vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not have the date, but I had previously written them to remove address XXXX XXXX XXXX, XXXX, TX XXXX when I supplied them with the updated address of XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX Addresses were correct for awhile, but now the XXXX XXXX XXXX that I no longer even rent, was used to mail the credit report which concerns me and reappears, wrongly, on the report # XXXX for XX/XX/2022. 

Also, incorrect telephone numbers, previously removed, have reappeared : ( XXXX ) XXXX and ( XXXX ) XXXX. 

I am concerned about the volume and frequency of errors so, accordingly, would like free credit monitoring from Experian on a permanent basis as a result.

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 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
First and foremost as the natural living man born from natural living people I am enforcing my rights as a consumer. Southwest Credit Systems continues to furnish Incorrect and inaccurate information to the consumer reporting agencies. Southwest Credit Systems has sent me documentation violating 15 USC 1692 b saying I owe a debt. Simply put I have never giving Southwest Credit Systems any verbal or written permission. I have not given my consent and by definition without consent it is considered identity theft if a company uses my ssn without my written permission. This company has committed fraud by retrieving my personal information from another company that I did not give permission to. This company is deliberately undermining my personal private information. I dispute and disagree with any allegations I owe Southwest Credit Systems or any other company debt and I am putting Southwest Credit Systems on official notice of their wrongdoing and want to be compensated for their fraudulent actions and violations According to 15 USC 1692b and 15 USC 1692c. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission and the right to furnish Incorrect inaccurate information on my report according to 15 USC 1681 b2.This company has damaged me with its inaccurate reporting and I have been denied such opportunities to obtain a car home and other opportunities for my family due to their negligent inaccurate incorrect reporting. Therefore I demand Southwest Credit Systems to cease and desist and delete their report on my Consumer Report. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission in writing to furnish my information according to 15 USC 1681 b2. As the original creditor and consumer I demand a senior executive of Southwest Credit Systems to provide a notarized affidavit saying I granted their company my written permission contracting with them. If they will not provide that information I want that report to be deleted from my consumer Report and I want to be compensated for their violations of the FDCPA, FCRA and the US codes mentioned above. If they will not comply I will proceed in federal court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
Hi, thank you for accepting my complaint and for what you do. XXXX kept sending me billing notices for a mysterious order/item ( s ) and they refused to give me statements or the bill for them. I made requests in email and I have their emailed responses. They even told me that they can't find an account for me ( see their email ). They eventually put it on my credit report for {$110.00} and I disputed it and showed the evidence that it wasn't my bill and the entry was removed. Years later, they gave the debt to JEFFERSON CAPITAL SY who refuses to remove it from my credit report. I hadn't ordered anything from XXXX and they never showed me a bill or receipts. It isn't my debt. Please investigate and correct this. 

Please tell me how to submit the emails between me and XXXX  thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/2022, I contact the company XXXX XXXX regarding an alleged item that is reporting to my XXXX, XXXX, and XXXX report. I requested the method of validation used for this alleged account. As a result, I did not receive any correspondence from the company. I had no knowledge regarding this alleged debt before the company violated my rights and reported the erroneous items to my XXXX, XXXX, and XXXX reports. I have also discovered that XXXX XXXX has also sold my personal information to a third-party company, XXXX without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, TransUnion XXXX XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, TransUnion, XXXX XXXX XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.

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 2022-02-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & Experian confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, XXXX, Experian & XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.

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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
XXXX scam amount {$1700.00} Wells Fargo XXXX scammed with text phone spoof and session hijack to transfer to account in my name but after it was done was not my account but a bank ( XXXX ) I do not even use. Wells Fargo informed within the hour investigated provisionally refunded then XXXX days later said I did it it was not fraud and took the {$1700.00} back out of my account I did not authorize anything to chase! Please help. Initially received text then the bank called took my money via XXXX. Attaching phone ling bank taking money bank and XXXX transaction IDs

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 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, Wells Fargo is God awful! Consumer beware. 

I deposited an {$8300.00} settlement check from a recent accident I was involved in. Wells Fargo has placed my account on hold and froze my checking account due to suspected fraud. Ive had my account with XXXX for over 7 years and have had a weekly paycheck deposited for over 6 years from the same company. The check was issued by a large attorney based out of Northeastern Florida known as XXXX XXXX. Im sick and tired of XXXX XXXX predatory business practices. I feel helpless and am not sure what to do.

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 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I received a random message from a suspicious email on XXXX XXXX, 2022 called XXXX, claiming that XXXX uses XXXX TRS Recovery Services '' to process customer payments. This email claimed that XXXX was unable to process a transaction without naming what the transaction was, and that I owed money to Amazon. I then received at least 2-3 letters from this TRS Recovery services XXXX claiming that I owed money to XXXX. 

I ignored the first letter, but they sent me another letter telling me that I need to write or call them to dispute the debt, although they were asking me for all of my personal information ( bank account numbers, etc. ) on their dispute form. I of course did not give them any of this information, and I reached out to XXXX on XXXX XXXX, 2022 to ask them about this company. The representative that I spoke to via chat confirmed to me that I do not owe any money to XXXX, that they would contact anyone directly for billing issues, and that they wouldn't go through a XXXX party company to contact customers about billing or debts. 

This company keeps sending me letters and falsely claiming that I owe money to 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 2022-02-09 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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX  XXXX : XXXX -- -> : {$440.00} XXXX XXXXXXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX  : XXXX -- > {$700.00}

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 2022-02-09 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX XXXXXXXX : XXXX -- -> : {$440.00} XXXX  XXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX : XXXX -- > {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: PR

Complaint narrative:
I have disputed two bankruptcies reported by TransUnion and one by XXXX. Today I received a notification from TransUnion stating that they verified the information with the XXXX XXXX District Court. That is impossible since I contacted the Honorable Court, and in writing, they said they dont provide information nor report to Credit Bureaus XXXX I shared this letter with both Credit Bureaus. TransUnion insists over the phone and in writing that they verified these two bankruptcies with the court, which is impossible. I need these two bankruptcies reported by TransUnion and the one reported by XXXX removed from my file Immediately. Specially TransUnion is making a FALSE claim that they verified the information with the XXXX XXXX District Court. That is against their terms and agreements and violates the FCRA.

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 2022-02-09 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: CarMax, Inc.
State: AL

Complaint narrative:
On XX/XX/2022 I did the pre-qualify section on Carmax XXXX website to potentially obtain financing for a new vehicle. I only did the pre-qualify section. It clearly stated that a prequalification would not be a hard pull on my credit. I never did a credit application. I went to the carmax store in XXXX alabama and spoke with XXXX the sells manager and he pulled up my pre-qualification on the computer. He saw where i did the prequalification online and also saw where i did not do a credit app. The next day i receive a text from a Carmax associate named XXXX. He stated that he was reaching out to me to see about selling me a new car. I never spoke with him nor texted him back. About 20 minutes later I received an alert from my credit monitoring app on my phone saying that you have a new inquiry from CarMax. I reached out to Carmax corporate office to address the issue and explained that i did not do a credit app but somehow my credit report ( XXXX ) was hit with an inquiry from Carmax. The prequalification section clearly states that no impact will be done to your credit. I received an email from XXXX at carmax corporate office saying that sometimes inquiries happen on pre-qualifications. A pre-qualification and a credit app are two totally different things. Carmax is not willing to remove this inquiry that they placed on my credit report fraudulently. The act like its no big deal, and they are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX my insurance company, XXXX, paid my finance company, Regional Acceptance Corporation, a settlement check for {$8500.00}. The payoff amount is {$12000.00}, leaving a balance of {$3200.00}. I received a list of documents necessary in order to file the GAP Claim. I had to contact my auto dealership for the XXXX XXXX XXXX that was totaled by a deer on XX/XX/XXXX which I did, and they sent me the necessary paperwork. Then I had to contact my insurance company for specific paperwork which they sent to me in a prompt manner. Next, I had to ask my finance company, Regional Acceptance Corporation, for certain documents, as follows : Finance Agreement/Retail/Installment Contract, copy of signed GAP Addendum, their preferred GAP payment mailing address, my payment history which must show insurance check posting, all transactions from beginning of loan thru present and including running principal balance from beginning of loan thru present ; and the payoff as of date of the loss and how it was calculated. Date of loss is XX/XX/XXXX. Vehicle is a XXXX XXXX XXXX. Regional Acceptance Corporation still needs to send me their preferred GAP payment mailing address, my payment history, and the payoff as of the date of the loss and how it was calculated. I have emailed and called numerous times. I have provided a detailed contact spreadsheet.

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 2022-02-09 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-09 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-09 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have disputed two bankruptcies reported by XXXX and one by Experian. Today I received a notification from XXXX stating that they verified the information with the XXXX XXXX District Court. That is impossible since I contacted the Honorable Court, and in writing, they said they dont provide information nor report to Credit Bureaus XXXX I shared this letter with both Credit Bureaus. XXXX insists over the phone and in writing that they verified these two bankruptcies with the court, which is impossible. I need these two bankruptcies reported by XXXX and the one reported by Experian removed from my file Immediately. Specially XXXX is making a FALSE claim that they verified the information with the XXXX XXXX District Court. That is against their terms and agreements and violates the FCRA.

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 2022-02-09 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial Services continues with their systemic institutional XXXX oppression XXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: Global Lending Services LLC
State: FL

Complaint narrative:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

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 2022-02-09 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: FL

Complaint narrative:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have both a personal saving account and an cooperate bank account opened in BOA back to XXXX piror the covid-19.

Are all in good standing for normal business and payments. 

By XXXX, XXXX, they suddendly got closed without any reason, just one mail notice. 

Tried call the hotline and nothing given.

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