vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had moved to overseas on XX/XX/2015 and I used live in XXXX and while I was in XXXX temporarily, I think my information was stolen and someone ( Maybe my room mate ) had used my information and opened a card and never paid. 


WF Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I initially had my home loan with XXXX XXXX XXXX XXXX who never had any trouble assessing property tax. My loan is impounded so the tax should be collected each month. They did not require money from me at the end of the year and in fact I received an escrow check. When the loan was purchased by Penny Mac they could see what I paid in property tax. Last year they asked for money to cover a shortage and if I could not do this they would spread the amount over the next 12 months. This results in me paying more interest on a loan that will each year have a higher payment because they either can not figure out property tax or are purposely engaging in unethical business practices. I have spoken with them before about this as well as emailed them last year. I as a single consumer can not fight an unethical or incompetent company please advocate for me as I am on a fixed budget. My sole income is XXXX and this company infuriates me and causes me unneeded worry. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts TN XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted several request for validation and verification of inaccurate accounts on my Transunion credit report. Transunion states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Transunion has ignored my request. Transunion still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted several request for validation and verification of inaccurate accounts on my Equifax credit report. Equifax states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Equifax has ignored my request. Equifax still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/2018, i received a promotional mailer from BBVA offering me a {$50.00} bonus for making 3 bill pay transactions by XX/XX/2018. The offer states that the {$50.00} bonus will be deposited to the checking account WITHIN 90 days of meeting the requirement. So I completed the bill pay requirements by XX/XX/2018. On XX/XX/2018 when i didn't receive the bonus I sent them an inquiry through their online secured meassage center asking for the status update. They replied stating i should wait till early XX/XX/XXXX when 90day has passed from XX/XX/XXXX, and that if i still don't receive then contact them back. So on XX/XX/XXXX of this year when i still didn't receive the bonus i secure messaged them back again, and this time they replied with apology and told me to call their customer service number to escalate the issue. I called their customer service number, after 45 minutes of waiting for a live person i finally got to a live person, but she was rude and unprofessional. She disconnected the phone before i finish my sentence. So i had to go back to their online secured message center again for help. 
But no responses to my message. Meanwhile, the {$50.00} that they promised still has not posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I wrote a letter toCapital One as requested from all three credit bureaus after disputing a Capital One inquiry, I was told to contact the furnisher of the inquiry. 
On XX/XX/XXXX I certified a letter asking for Capital One to provide a application letter giving my consent or permission to check my credit. 

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose. 

Capital One responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving Capital One or these specific companies named in their statement permission. 

Capital One Can Not Provide These Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both XXXX  and Transunion are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Re : XX/XX/XXXX & TODAY, XX/XX/XXXX TWO DATES, TWO COUNTS : The contract fraud and the invasion of privacy : Without prior consent and agreement Capital One modified the normal method I gain access to the account and now requires me to waive my right to privacy through an intrusive message prompt instructing me to call them at XXXX if I need help. 


They offer three options but block the option I choose to use.

Capital One can not show any agreement between us where I consent to communicate with them by telephone or text. 

To do so waives a right to privacy when the connection begins with their use of an automated voice device that introduces the caller to the system guide that will confirm the waiver with each step. Next an audio message discloses the callers ' voice will be recorded during the call and lastly location identification of the caller is collected & stored. 

The blocks are abusive and negligent, and violate my rights under the ADA. 

They must correct their error and the pattern of negligent, intrusive and interference with my financial duties & responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Both Equifax and XXXX  are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Received notification on credit report that the company had added a derogatory collection on my credit report. Never received a correspondence via mail or anything about the collection. The collection agency fail to provide information in regards to this collection. Debt was never confirmed to be mine. No Contract was ever signed with the Collection Agency. I never received any information that was submitted to the Credit Bureau to showing that this debt was mine. 

I have proof that the collection was added to my credit report around XX/XX/2019. That is how I was made aware that something was added to my credit report. 

statue of limitation in the state of Texas is four years. Not understanding why would this collection agency report something that failed to send me information about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I wrote a letter toXXXX XXXX as requested from all three credit bureaus after disputing a XXXX XXXX  inquiry, I was told to contact the furnisher of the inquiry.

On XX/XX/XXXX I certified a letter asking for XXXX XXXX to provide a application letter giving my consent or permission to check my credit.

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose.

XXXX XXXX responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving XXXX XXXX or these specific companies named in their statement permission.

XXXX XXXX Can Not Provide These Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The items listed on my report, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are fraudulent accounts. Please see the attached, documentation which includes a police report and an Identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
An unauthorized amount of money {$170.00} was taken from my account and put in XXXX to a an unknown user, XXXX XXXX, at XXXX on XX/XX/18. My bank account has faced several security breaches in the past, including an unauthorized XXXX charge in XX/XX/2018, an unauthorized XXXX Charge in XX/XX/2018 totaling about {$20.00} each. As soon as I realized a huge sum of money was missing from my account I called Wells Fargo and asked them to freeze my account so the funds would not be transferred, and I explained to them that this transfer was not initiated by me, and must be a hack consistent with the other security breaches. They shut down that bank account completely and I opened a new one. However, they refused to freeze my funds or return the money to me, and said that through XXXX, payments can not be cancelled and that I must have authorized the transaction. I was in dire need of that money as a student and it was stolen from me. I have not had any new charges of fraud since opening this new bank account, so I believe my old one was just completely compromised and the final scam attempt was their big one. I feel duped and ashamed that the money I worked hard for at only XXXX years old was snatched from me. I called Wells Fargo and they said they could do nothing at all for me, and that if I wanted to file an appeal, it would be a complex process of scanning documents, a handwritten letter sent by post to California from my Florida address. I felt as if it was disingenuous and intentionally designed to discourage me. I did not have such resources. It is only in doing research recently that I realized I could file a grievance with the Consumer Finance Bureau, which I tried to do right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation