vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-29 00:00:00
Product: Credit reporting 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Im begging you please remove this to the 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A dillards charge account was opened, someone changed my email address and address on my XXXX XXXX XXXX and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in XX/XX/2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for 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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit repair specialist has sent in multiple documents to XXXX, Transunion, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, Transunion and XXXX about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all XXXX companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : XXXXXXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX  # : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Accounts that need to be updated. The late payments are inaccurate! 

XXXX XXXX XXXX  # : XXXX LATE PAYMENTS Shown are inaccurate. I've also contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX Late Payments - I have also contacted the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # : XXXX Late Payments - I have also contacted XXXX XXXX XXXX XXXX Self with no help in return. 

XXXX XXXXXXXX XXXX XXXX  # : XXXX Inaccurate Late Payment XXXX XXXX XXXX  # : XXXX  Inaccurate Late Payment

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit repair specialist has sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all 3 companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXX XXXX XXXX XXXX XXXX ( THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : XXXXXXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Accounts that need to be updated. The late payments are inaccurate! 

XXXXXXXX XXXX XXXX  # : XXXX LATE PAYMENTS Shown are inaccurate. I've also contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX Late Payments - I have also contacted the CEO of XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # : XXXX Late Payments - I have also contacted XXXX XXXX XXXX XXXX XXXX  with no help in return. 

XXXX XXXXXXXX XXXX XXXX # : XXXX Inaccurate Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Money has been taken out of my account with outnmy permission a multitude of times in the last 7 months totaling up to almost XXXX they refused my mother 's payment shenhas been getting since 2015 to go into her bank account anymore gave us no heads notice and therefo Ultimately consting my my mother the only relitive i have left alive that cared for me. 
Starting on XX/XX/XXXX in the amount of XXXX XXXX thr month of XXXX alone there was XXXX in charges I didn't approve lf. XXXX was XXXX to random XXXX XXXX XXXX to price line. XXXX to XXXX below and XXXX trips to XXXX where i know it wasn't me. In the amounts of XXXX XXXX and XXXX I have asked for help and I've always gone proof and still. Othing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-29 00:00:00
Product: Credit reporting 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- COVID-19 Relief PENNYMAC LOAN SERVICES Loan number XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

THE REINSTATEMENT BALANCE PAYMENT HAS BEEN SUBMITTED AND ACCOUNT IS NOW IN CURRENT STATUS My name is XXXX XXXX and I am writing this letter in hopes of removing late payment from my credit report. I am currently going through a divorce. We separated in XX/XX/2020 because of the negative impact XXXX had on our marriage. Due to us being in the XXXX, we both were affected in negative ways. From the constant change in scheduling, to the disagreement in beliefs of the vaccine, to being XXXX in short notice it cause a terrible fall in our marriage. When he finally got fed up and moved out he completely stopped supporting the bills which in turn left to pay all the bills and then some .I just recently submitted a payment of $ XXXX to have my account reinstated. I am in a better place financially and will no longer have issues making any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello. 
I would like to inform you that about 2 weeks ago XXXX XXXX XXXX closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and XXXX guys did a GREAT JOB, because XXXX XXXX XXXXXXXX XXXX XXXX checking account back ( which should have never been closed in the first place without any investigation ). 
So, now they have decided to go after my XXXX Account, which is again absolutely UNFAIR and UNJUST. I have contacted XXXX XXXX XXXX many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from XXXX XXXX XXXXXXXX which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. 
Today I was checking the Credit Karma app. I realized that a Remark Code was added to my Credit Report and that the Credit Score with Equifax HAS DROPPED FROM 688 TO 627 ( 61 POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my Credit Score and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( XXXX XXXX Credit Card Account Closure letter from Bank XXXX XXXX. 

Thank you in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received email notification that an account was opened by me with Bank of America. I immediately contacted Bank of America fraud and was given a phone number to reach out to during the investigation. All of the Bank of America numbers will not allow you to speak to someone unless you enter your online pin. I did not open the account, so how could I have this information? Now I have received a debit card not only from Bank of America but from Merrill Lynch also. Once again, trying to contact them is impossible.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I have a consolidated student loan with Mohela ( XXXX ). When I applied for the loan, there was an automatic 0.25 % discount if you enroll an automatic payments. From the very first day I could, I enrolled an automatic payments. Their website and app does not indicate I've been getting any auto pay discount. When I contact the company they claim I am without having proof. They also are alleging a lesser discount than the quarter of a percent advertised when I originally signed up. 

When I recently contacted them asking for documentation of the discount, even their documentation shows a period of time where I was not given the auto-pay discount even though I was enrolled in auto pay. 

I feel this company is intentionally misleading borrowers and not fairly charging interest to vulnerable borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Inaccurate information reporting to my file, I wrote these companies over thirty ( 30 ) days ago requesting a copy of any contract or proof of liability for these accounts but have not received any reply. These accounts are not mine. Please delete these accounts, as required by law, from my records in a way that they will not re-report at any point in the future.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC
State: NV

Complaint narrative:
Received letter from XXXX dated XX/XX/2019 advising Me to select courses and advising Me that, My Financial Aide Letter was received and that, I had {$350.00} in XXXX XXXX. I enrolled in XXXX  XXXX : Online class, Perspectives in History which I dropped as, I was unable to receive assistance from the Instructor. 

I did not receive any response back regarding the dropped class, not notice if payment due or the cost of the Class which was dropped. 

XXXX then place a derogatory mark on My Credit for {$960.00} which was removed and re-added with a New Date as it it were a New Occurrence and has continued to do so every time that, the item was challenged and removed. 

The item needs to again removed and the Creditor should NOT be allowed to continue to repackage the item with a New Date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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