vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was informed by US Bank that all of the late payments on my loan with US Bank would be removed from all XXXX major Credit bureaus, XXXX, XXXX, XXXX. I have yet to see the Credit information be updated on all XXXX reports. I was told this information would be updated within 60 days of the information being reported to each major credit bureau. I am requesting that US Bank honor what the company Customer care team informed me of so that this negative information can be removed off my credit report. 

Thank yoiu, 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 2022-07-29 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: NY

Complaint narrative:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

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 2022-07-29 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: NY

Complaint narrative:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my XXXX  to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brennan & Clark, Ltd., LLC
State: TN

Complaint narrative:
They would not tell me who they were. They would not provide any information about my debt and said it wasnt their problem and they didnt represent me. They would not tell me if they were a licensed attorney or licensed debt collection agency and are using an email address that leads to an attorney/debt collection website. At no time did they ever say it was an attempt to collect a debt. I have all communication records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
XX/XX/22 To whom it may concern : I would like someone to know how I was taken advantage of today and seek reimbursement for money taken unknowingly to a theft. 

I received a fraudulent warning email from XXXX saying XXXX XXXX had spent {$470.00} from my account. I responded to the email on the same day it was sent ( XX/XX/22 ) to reassure the company that I had not made any purchases. 

I was given a report # XXXX and told that they would reimburse this money and help me to prevent any future cyber attacks. I believed them and proceeded to allow them to use " XXXX '' app to walk me through the addition of virus identification. They said I had XXXX XXXX XXXX, and XXXX virus. I was glad to have someone help me rid of this on my phone. The representative then added new apps and set up accounts including : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These were to prevent further online hacking. 

I became suspicious after my bank simultaneously called and the representative told me to ignore them. Once I disconnected with the XXXX representative, they continued to call back some times texting but the numbers always said " XXXX XXXX. '' My credit union was immediately informed, but they said since I " allowed '' them on my phone, that I was responsible for the theft ( {$500.00} XXXX  cash, and {$120.00} XXXX ) that I immediately know of. Unfortunately, they had " XXXX '' spyware and saw my driver 's license information while setting up " XXXX ''. I can lock my account, but only a photo id ( stolen ) is needed to reopen it. 

Phone numbers used to call me included : XXXX XXXX XXXX XXXX separate e-mails say : XXXX XXXX, I am calling from XXXX support. Please call me back at XXXX XXXX XXXX Police were notified on XX/XX/22 at XXXXXXXX XXXX  and said the money was probably already in a different country and not much they could do but I could file a report if I wanted to. However ; contacting the bank and companies for accounts set up was my best bet. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I applied for a forbearance through my mortgage company and come the end I said my hardship was resolved. They sent me an application to figure out my options. I was told my app was complete and I could start making payments after signing a packet of papers. Packet never arrived. Got a letter in the mail stating my app was then incomplete. Talked to mortgage and they said it was because I had already done a modification that I couldnt do another one within 2 years. I did a deferment 3 years agoso whats the problem? They have me in never ending circle where Ive filled out the same application XXXX to no avail. The only option is I can {$5000.00} to make myself current and then the rest thats owed in a payment plan. I wouldnt need to be 8 months behind and have to pay 5 months worth if they didnt have me in a never ending circle. Ive been wanting to make my payments since XXXX and they are not allowing me to

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 2022-07-29 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: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-07-29 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: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are 3 Inquires on my Credit Report that I didn't authorize XXXX XXXX XXXXXXXX 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 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified through various reporting systems that someone attempted to open several credit cards under my information last night. They each appeared on the Experian reporting. I went to review this on their site, but the individual accessed my Experian account and changed my log-in as well as the e-mail address in my profile used to request a new password. So ... I can not log-in to the Experian site to submit a fraud report. I called into their company and spoke with 3 different people on the topic. I made it VERY clear as to what the problem was. 1. Someone has accessed my personal information and is attempting to open accounts under my name 2. The same person has accessed my Experian account and has modified my log-in so I can no longer recover it. NONE of the people were able to help me. One even told me that my account was locked for XXXX hours and I couldn't do anything until that expired. So that means the CRIMINAL could still access my account but I couldn't!?!?!!? The woman then told me that my profile would be " deleted '' and I would be able to create a new account. Well that did not happen either. It shows that my social security number is tied to a XXXX account... .which is NOT my e-mail. Zero help... very sad process and they do NOT care about your persona information as they say. Also as I was told there was a " freeze '' on my account ... .I just received another notification that someone just did another hard inquiry on my credit!?!?!?! I feel extremely vulnerable and angry that this is the level of assistance I was provided!!!

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 2022-07-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.

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 2022-07-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
File number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Request to remove inaccurate information Dear, Equifax Information Services LLC Company Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Account Type : REVOLVING Reason for Dispute : Last Payment date/Closed Date Incorrect/Current/Previous Payment Status Incorrect. This account has the wrong information, I would like this account removed from my credit file. 
The balances are way too high, I never spent that much on that account. 
This is a prepaid card, this is not a credit card, I would like this removed from my credit file of Equifax. I do not spend off of this account, this needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
Hello, My credit profile was pulled by this company, prosper/XXXX  and I did not authorize my credit to be pulled. I reached out to this company and credit application was withdrawn. I requested for this inquiry to be removed off my report and I was told the fraud department will notify me via email. I have yet to receive any message from this company.

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 2022-07-29 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: CA

Complaint narrative:
I am appalled by the Credit Bureaus inablitity to verify the validity of the information they present on my Cr edit Report. I have been submitting multiple dispute letters and complaints addressed to the Credit Bureaus and the last letter I sent was XX/XX/2022. It makes me wonder the Credit Bureaus are consucting a proper investigation to verify the accuracy of the disputed items. Once again, I was a victim oof idenetity theft and the items I dispute were never made by me nor anyone authorized by me. I also never received any thing in return, may it be benefits or items or money due to theft of my identity. I have read that the Credit Bureaus must remove any accounts or information that resulted due to identity theft under the Fair Credit Reporting act section 605b but I see here that the Credit Bureaus have failed to comply to. I am submnitting this complaint hoping that the Credit Bureaus would take their time to remove the isputed items completely from my Credit Report. The items that needs to be removed are as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} DEPT OF ED/XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX  XXXX Balance {$3100.00} DEPT OF ED/XXXX  XXXX Balance {$3800.00} DEPT OF ED/XXXX  XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00}

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 2022-07-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX scammed me for {$1000.00} on XX/XX/22 for payments required to receive a payment owed to me for furniture sale. I contacted Wells Fargo that same day and they opened a case. 
I received two letters on XX/XX/22 that were dated XX/XX/22. One letter said Wells Fargo would continue to try to assist me with resolution of the issue. The other letter said Wells Fargo was unable to stop or reverse the funds and they are closing the claim. I contacted Wells Fargo the same day the letters were received. They said they created a claim with XXXX last XXXX for refund from the financial institution. I continued to monitor my account for reimbursement but didnt see any reimbursement and hadnt received any communication from Wells Fargo XXXX so I called again on XX/XX/22. Wells Fargo said they didnt have an update.

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