vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC
State: MI

Complaint narrative:
Complaint XXXX and Debt Validation Request Today I called CoreLogic XXXX XXXX XXXX XXXX XXXX to verify their authority to pay for my property Taxes at XXXX XXXX XXXX XXXX and spoke with an employee XXXX purportedly from CoreLogic XXXX XXXX at XXXX ( or someone's call center ) XXXX XXXX told me that CoreLogic collects property tax information from local Assessors and send it to my Mortgage company who send CoreLogic money to pay for my property taxes. 

When I asked XXXX XXXX who refused to give me his last name ) to give me contact information to my Mortgage Company accounting department or an authorized officer who hired CoreLogic to pay for my property taxes, he refused to give it to me and told me to call customer care at XXXX. 
XXXX question XXXX. 

Please state full corporate name of Corelogic company which pays my property Taxes in XXXX XXXX XXXX XXXX. Is this Company a subsidiary of Corelogic , Inc. or affiliated with Corelogic , Inc. or received directions from CoreLogic, Inc.? 

XXXX  question XXXX. 

Why CoreLogic is paying my taxes when another company has been claimed to be the Servicer? 

XXXX question XXXX. 

Does this Core Logic company has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic ( it must be the owner of my alleged debt or its lawful representative. Please state the name of this authorized agent at the company who claims to be " Servicer '' and his/her contact information. 

Does Corelogic XXXX XXXX ' parent organization has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic XXXX question XXXX. 

Whether the payment by CoreLogic is entered on the accounting ledger of the named creditor as a credit to the loan account receivable and a debit to cash. 

In double entry bookkeeping a credit to the loan account receivable would increase the amount payable from the debtor. 

Please identity of the person or company that entered a debit to Cash into my loan account receivable. 

Please provide me a statement or acknowledgment from the officer in charge of accounting for debits and credits to my loan account receivable. 

I am trying to figure out where my account is kept, by whom and on whose behalf. 

I am also trying to figure out how XXXX is able to do any servicing for XXXX XXXX " loans '' if XXXX XXXX uses only XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to service its " loans '' and XXXX XXXX  terminated XXXX access to XXXX around XX/XX/2019. 


Best regards 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 2021-12-01 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: AR

Complaint narrative:
On XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. Im uploading a new FTC report also.

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 2021-12-01 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: Advantage Credit, Inc.
State: NV

Complaint narrative:
On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that Advantage Credit was the company that ran the report. At XXXX, I called Advantage Credit and informed them that I did not request a credit check. I was informed that XXXX XXXX of XXXX mortgage was the person who requested the credit check. XXXX phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and Transunion refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, Transunion, XXXX XXXX and XXXX regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, Experian and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, Experian, XXXX, XXXX XXXX and XXXX regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.

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 2021-12-01 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, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX, XXXX, XXXX XXXX this is willful defamation. Infringement on my XXXX Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have sent certified mailings to credit bureaus demanding compensation from them due to the Civil Liability, the defamation and willful intent to infringement of my XXXX amendment rights to be secure in my papers, which Have been fraudulent obtained and retained, without my consent. The deceptive, false claims made by business who are in collusion with these third party credit bureau who continually are buying and monetizing off my public information. I have sent demand letters to XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: AZ

Complaint narrative:
Hello, I need this complaint sent to XXXX XXXX. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. MISUSE OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN XXXX XXXX XXXX ( H ) XXXX fraudulent inquires has caused financial hard ship. this make up 10 % of my credit score. I have been denied credit, XXXX and Equifax has already complied with the facts of law I've laid out. But XXXX it self over the have phone told me they don't care about the federal codes, that XXXX wrote for them to follow. XXXX continuously have disregards to the XXXX, XXXX XXXX XXXX XXXX chapter XXXX and to the natural people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Organization I work for has had a credit card account with American Express for over XXXX years. When the account " owner '' passed away, AMEX said we had to transfer the account to another officer or board member. I have had personal credit issues and inquired multiple times what would happen if the transfer was denied because of my personal credit. And I was told multiple times that any denial would be sent to my home address and not to someone else at my place of employment. 

AMEX sent an explanation of denial to my work so others became aware. 

I spoke with XXXX, a supervisor at XXXX, on multiple occasions in late XX/XX/2021. XXXX acknowledged I asked multiple times and was told multiple times that any of my personal financial history would not be shared with my employer. And XXXX acknowledged that it was done. 

I asked for four things to help fix the matter : 1 : send a replacement letter to my employer, telling them the letter was sent in error ; 2 : a letter to me with an apology for their acknowledged error ; 3 : a copy of the call transcripts ; 4 ; some financial recourse for the damage AMEX did to me XXXX said no to all four requests even though he said, " I agree. We made an error. '' All he told me over and over was " I'm really sorry. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 — Investigation took more than 30 days
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. Please remove this ASAP.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
ORIGINAL COMPLAINT XXXX AS STATED THIS IS FOR WF CREDIT CARD ACCOUNT XXXX. THIS IS NOT FOR MY MORTGAGE. THIS IS FOR A WELLS FARGO CREDIT CARD THAT HAS BEEN CLOSED FOR YEARS AND YOU ARE ADDING REMARKS TO IT WHEN IT IS CLOSED. FURTHERMORE XXXX AND XXXX CONTINUE TO ADD REMARKS ON THIS ACCOUNT & HAVE NOT REMOVED ANYTHING. CLEAN UP THE MESS YOU MADE ON MY CREDIT FILE. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : Consumer Disputes- Reinvestigation in Process Consumer Disputes After Resolution The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. IDK why XXXX WF or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.

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 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a purchase on XXXX on XXXX/XXXX/2021 for the amount of {$120.00} with Bank of America Credit Card XXXX. I returned the XXXX items and the merchant refunded me for the same amount, {$120.00}, on XXXX/XXXX/2021 to the same Bank of America Credit card. However according to a letter from Bank of America dated XXXX/XXXX/2021, since they merchant gave me the credit " for your disputed transaction, we reversed the temporary credit of {$120.00} we gave you ''. However, I never disputed the transaction at issue, nor did Bank of America ever gave me a temporary credit of {$120.00} for the transaction. ( Around the same period of time, I have disputed some fraudulent transactions from so called " XXXX XXXX '', but has nothing to do with the transaction at issue. ) I contacted BOA and requested them to correct the mistake, however they refused to do so for no viable reason. They could not produce any evidence that I ever disputed this transaction or they ever gave me a temporary credit for it. What they did is simply to take away the refund given by the merchant. I am attaching here the email conformation for the purchase, the proof of refund from XXXX and the letter from BOA notifying of reversal of temporary credit which they never gave me whatsoever.

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 monetary relief
Consumer complaint received 2021-12-01 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: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...

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 2021-12-01 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: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as TARGET/TD XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation