vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 15 usc 1681s-2

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 2023-08-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 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 2023-08-09 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: OK

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-08-09 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: OK

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-08-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was in XXXX  around XX/XX/XXXX and got XXXX around XX/XX/XXXX. Before I went to XXXXXXXX I had a debit account at this ( bank ) XXXX XXXX. After I was release I found out my debit acc was closed and there was a credit card open for around {$570.00} of debt and it was charged off. This was not me and I believe this is fraud. I contacted the company, they sent me fraud papers, I filled them out and mailed them. But after a few months I didn't get a response back. I'm filling this out because of experience to increase my credit score and this is still on my profile.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
I have my credit frozen with all three credit bureau 's for the last XXXX months and have the XXXX XXXX Police continuing to investigate my identity being stolen. I was made aware today that {$26000.00} in debt is attempting to be collected from a company that was granted to an address in Florida that was not myself clearly. I am uncertain how this was granted as XXXX notified me of the credit report change, but my information is frozen with all three credit bureau 's so how this was bypassed I am not sure, but very alarmed. 

The company attempting to collect the debt and sending me a fraud packet goes by the name of IQ Data International.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed i cashed XXXX checks of {$1400.00} that were fraudulent and i didnt know. I sent {$1600.00} out of the XXXX checks and the rest remained untouched. The bank took back all XXXX checks to which i owed a total of {$1600.00} to Wells Fargo. I have XXXX accounts with wells fargo my checking and my savings, all the money was taken from my checking and i acknowledge what i owed and was trying to pay off the debt to close the account and move on. After XXXX weeks of being transferred from department to department no one could help me, what ended up happening was they took what i owed from my XXXX  account to pay it off. Now my savings account has still been untouched but they where still closing it, in my savings i have a total of {$2600.00} ; i called the loss prevention line and they said i can pick up the funds to close the account permanently ; when i went to get the funds they said that the bank had taken it and will not give back saying that i owed that much ; when in fact i didnt owe anything other then the {$1600.00} since Wells fargo had taken the uncashed checks directly out of my checking ; this is my first time being scammed and i have been treated like a criminal, they will not work with my on anything and nobody knows what they are doing over the phone. My savings is my money that i dont owe to anyone so their is no reason for Wells Fargo to be saying that i owed that on top of the {$1600.00} i have statements that show i didnt spend the other checks and statements confirming Wells Fargo took the uncashed checks out, i payed what i owed and now their saying i owe more this has been nothing but a childs game for the past month ; i want my funds from my savings as i dont owe Wells Fargo anything after the {$1600.00} was payed back to them of the fraudulent money.

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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Numerous points on my credit has been lost and I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: NY

Complaint narrative:
Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical.

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 2023-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX  Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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 2023-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Withdraw issue, bank website doesn't load I opened two XXXXAxos Bank joint accounts, one in XX/XX/XXXX with an approximate balance of {$350000.00} and other in XX/XX/XXXX with an approximate balance of {$260000.00} from the very beginning I have had problems with downloading information regarding my account. The account information is in the process of downloading, but never does. 

I have complained about it many, many times with phone calls and also emails. 
The interest was high at the time and so I put up with it. 

Now I have requested to closed my account with wire transfers for both accounts, because I have not been able to transfer funds from for either account, move money as the bank calls it, because of the downloading issue. So what I'm doing now is starting the transfers from my other accounts. For instance, a checking account from my reliable bank. The transfers are initiated from my reliable account, from Axos bank to my checking account. That is the only option I have. 

I have submitted a " wire transfer request form '' for both accounts on XX/XX/XXXX. First they were telling me I didn't enter all the information needed, which I did. Everytime I would call them they would come up with another reason they couldn't process the transfers. The last reason was that the Wire Transfer system was down. I have called them everyday since XX/XX/XXXX and more excuses. 

I finally ask them to send me a check closing the accounts. They said it would be 3 to 4 weeks to do that, which seems like a very long time. In the meantime I submit my transfers from my checking account, then transfer the money into other savings, CD, or MM funds. 

I am positive I will never get the funds from AxosXXXX and at the rate I am processing the external transfer from my checking account it will take me three months to get the money out of AxosXXXX. 
I am XXXX XXXX XXXX, I have worked in XXXX XXXX XXXX XXXX XXXX and this type of service is horrible and I'm sure illegal. 

To find out what they are doing and why it's just impossible for them to not want to release my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer reportXXXX XXXX XXXX XXXX, XXXX XXXXl- XXXX, XXXX XXXX XXXX XXXX XXXX- XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX 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 an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-10 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to dispute an inaccurate report linked with my name, regarding a recently closed account with Bank of America. This account was reportedly closed due to supposed suspicious and fraudulent activity, which I firmly believe is a misunderstanding that needs clarification and resolution. 
The transactions i made ( XX/XX/23 for a total of {$12000.00} ), ( XXXX a total of {$6800.00} ), and ( XX/XX/23 for a total of {$500.00} ) deemed " suspicious '' were individual checks I received from a client tied to my newly established business, registered as an LLC. As the business was in its nascent stages, these checks were deposited into my personal account at Bank of America. The funds from these checks were strictly related to my business operations, a fact that I can validate with the relevant LLC documentation and evidence containing the Consumer ID To my knowledge, these checks were legitimate. Therefore, it was surprising and distressing when my account was abruptly closed without any prior, direct communication or preliminary investigation. I had no cause to suspect any fraudulent activity linked with these transactions. 
My client, XXXX, provided these checks from XXXX XXXX XXXX  as payment for business services rendered. As such, I request that you thoroughly investigate this matter and reconsider the nature of these transactions.And not once did i ever recieve that money or used that money because it was never deposited into my account.

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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing in response on recent communication with the Better Business Bureau ( BBB ) in which XXXX XXXX XXXX claimed that I am not a customer or client of respective credit reporting agencies. I am deeply surprised by this statement, as it contradicts the presence of a collection account on my credit report, which clearly indicates that they have my personal information. I have attached a copy of the response to the BBB for your reference. 
I would like to reiterate that despite your assertion, I indeed have a reported collection account on my credit report, which is impacting my credit score and financial standing OVER 1 YEAR. 
This information not only implies that I am a customer or a client but also raises concerns about the accuracy and legitimacy of the reported collection account. and express my deep concern regarding the presence of a falsely reported collection account on my credit reports maintained by both XXXX and XXXX. Despite providing evidence to support my claim, I have yet to receive a satisfactory resolution to this matter and the removal of the inaccurate information Immediately

Company response to consumer: Closed with explanation