vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the XXXX XXXX  and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

XXXX has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files Equifax and XXXX still have the accounts on my files as well but they have not increased my credit usage like XXXX did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-21 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:
I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion, XXXX and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all 3 bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these 3 party Consumer reporting agencies are Foreign for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All 3 bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. Transunion stole my identity and sold my information via credit sale to these corporations without prior consent.

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 2021-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied online for an unsecured personal loan with Wells Fargo. I was conditionally approved ( Application ID XXXX ). I spoke to a branch manager telephonically at the XXXX, California location. He indicated the loan is conditional because Im required to login to their website and agree to the terms and conditions of the loan and sign electronically. The branch manager also indicated Im not required to provide identification, W-2s, tax returns, or pay stubs. On XX/XX/2021, I logged onto the Wells Fargo website and agreed to the terms and conditions of the loan and signed electronically. On XX/XX/2021, I received electronic mail and a text message stating Wells Fargo Personal Loans We need additional documentation for your recent application. For details, sign on at wellsfargo.com/status I then signed on and the website indicated I already signed and agreed to the terms and conditions on XX/XX/2021, and the loan status is complete. There were no additional instructions on Wells Fargos website. I called a branch manager today and he indicated he does not know why I received an email and text message from Wells Fargo. I was given a telephone number to Wells Fargos advocacy group to file a complaint. I called ( XXXX ) XXXX and received an automated system that the department is closed and to call back later. The automated system did not inform what their hours of operations are. I then called the telephone number for Wells Fargos XXXX XXXX XXXX at ( XXXX ) XXXX and received an automated system that did inform what their hours of operations are. Moreover, I was told by a customer service representative the foregoing departments close at XXXXXXXX XXXX. Eastern Standard time. Im Pacific Time. Most consumers work XXXX XXXX to XXXX XXXX those hours are inconvenient for those in Pacific Time. If I work XXXX, how am I suppose to speak to someone regarding the text messages and emails Im receiving? 

Secondly, when I logged onto the website, I received a message instructing to logoff my mobile device or tablet and continue on a desktop or laptop. I dont have a desktop. It is cumbersome to find a desktop during the deadly pandemic. Im tired of being harassed with text communication and electronic mail instructing to login and complete my loan documents when I already have. Im requesting a {$10.00} reimbursement from Wells Fargo for my XXXX XXXX cost to use their desktops in an attempt to follow Wells Fargos egregious 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 monetary relief
Consumer complaint received 2021-12-21 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: MA

Complaint narrative:
On XXXX/XXXX/2021, I received Experian 's response to my complaint on XXXX/XXXX/2021 Company 's Response " Thank you for submitting your complaint on XXXX XXXX, 2021 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you would like the method of verification used to verify information on your credit report. You also request original signatures or any tangible proof that verify the accounts. But, you do not mention which disputed items you are referring to in regard to the previous investigations. At this time, we are unable to process your disputes, as they are not specific '' There has been corresponds via letters and CFPB 's portal numerous times between the parties. And each time I convey, with uploaded documents, I might add, that I want specific items removed off my credit report that are not accurate or can not be verified. Therefore, Once again, I will be sending Experian a certified letter with the exact same document that I will upload here. All we have to do is look at the history and the documentations. It states what I am disputing.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint narrative:
There are two fraudulent. The scammers names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
They asked me to pay money for the purchases of electrical equipment but they did not send me. I sent 800 $ for the first transfer on the XXXX of XXXX for the name XXXX XXXX XXXX XXXX XXXX. 
I sent XXXX $ for XXXX XXXX. It was the second on the XXXX of XXXX. 
I have already requested and recalled the XXXX and announced bank that it was fraudulent. They told me that it takes 5 days. But I do not believe in the system of refund money of XXXX. Could you help me, please to receive my money back? 
The scammers^s account names are the below information. 
Account Name : XXXX XXXX XXXX XXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank Branch : XXXX - XXXX XXXX  : XXXX Bank Address : XXXX XXXX XXXX Recipient Address : XXXX XXXX XXXX - XXXX XXXX XXXX Name : XXXX XXXX Bank name : First Citizens Bank Account type : Checking Account number XXXX XXXX Routing Address : XXXX Country : USA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX North Carolina XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 a third party fraudulently obtained my account access information ; a third party called me pretending to be a representative from the Chase Fraud Department, then tricked me into providing a texted confirmation code used to initiate a {$5000.00} XXXX XXXX out of my business account. An EFT stemming from this situation meets the EFTA Regulation E definition of unauthorized EFT, and Chase is responsible for reimbursement of these funds into my account. 
For nearly XXXX  months I have been in contact with Chase Claims Department, and they seem intent on giving me the run-around long enough for me to cede and give up on the funds that were stolen. I have filed a police report in XXXX XXXX, I've reported this incident with the FBI, I've contacted the Attorney General 's office, the FTC this CFPB, the OCC and the XXXX. Next, I will contact media outlets, news, radio, social media. 
The third party who called me, seemed to have been trained by Chase Bank. His language was identical to the language used by Chase Branch employees ( to " generate a XXXX code '' and they'd " walk you through the steps using your chase mobile app '' ). I believe these fraudsters are actually bank employees working from home. I imagine they use their own phones during working hours, and have a way to " spoof '' the caller ID to Chase 's XXXX number when making " courtesy calls '', then " spoof '' their caller ID during their time off to scam bank customers. 
This is not the end of the line for me, as I will continue to pursue this scam, and I am sure Chase does not want to deal with the fall out of exposing their off-site / outsourced employees stealing funds from their customers. 
Chase is responsible for reversing and reimbursing my stolen funds. Chase partially owns XXXX and intentionally relinquished financial liability for erroneous or fraudulent transactions, putting the onus on their consumers without making these terms clear to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 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: OH

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: OH

Complaint narrative:
This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : 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 2021-12-21 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: OH

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : 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 2021-12-21 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: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
Over the past year, I have been trying to get documented verification on the account associated with my name from Mountain Run Solutions. On XX/XX/2021, I had reached out to the XXXX major credit bureaus for assistance in verification. Even after providing proof, XXXX advised that they would not be investigating this account because the company has verified the account to be accurate without any documented proof.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: PA

Complaint narrative:
I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, Equifax and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX XXXX Consumer reporting agencies are XXXX for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, XXXX and Experian. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX party Consumer reporting agencies are XXXX  for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.

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 2021-12-21 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:
ATTN Fraud Department : Remove fraudulent accounts from 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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The past billings from NewRez, LLC have routinely been received by the XXXX thru XXXX of every month for payments due to them on the first of the month. As of today I have not received the billing that would have been expected for the payment due to them on XX/XX/2022.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation