vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXXXX/XX/2022

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 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I have requested proof from them, full details in my attached files. 

I disputed the ALLEGED debt and refused to pay the ALLEGED debt, pursuant to Title 15 U.S. Code 1692c ( c ). I demanded that they ceased ALL further communication through ALL and ANY MEDIUM except for communication of remedies for I, XXXX XXXX, the consumer and natural person, via MAIL ONLY, per Title 15 U.S. Code 1692c ( c ). I invoked specific remedy as the original creditor, pursuant to Title 15 U.S. Code 1692c ( c ) ( 2 ), and demanded items listed in the attached files. 

I, XXXX XXXX, am submitting this without any influence from any 3rd party or agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Received a letter from a debt collection company XXXX of 2022, in the amount of {$71.00} I responded to them stating that it wasn't my debt. I checked the box asking them to send me the address and name of the original creditor. I never received anything back. 
I received another letter today with the same information as the first letter, but now the amount of the debt is {$1000.00}. it can't possibly be mine. I have insurance I've never been contacted my insurance for this nor the medical facilities I go to. They mention a XX/XX/XXXXXX/XX/XXXXbut I've never been there. I don't know if I should send this second letter back to them since I never got the verification from them for the first letter. I'm really not sure what to do at this point but I'm sure it's not my debt. The debt collection company has XXXX different reference numbers for the XXXX letters I received. The first one has as reference # XXXX, the second letter has reference # XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-01-31 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-01-31 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: KY

Complaint narrative:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a phone call from XXXX ( XXXX ) XXXX letting me know they were from the fraud department at Wells Fargo, they verified my identity as they already had most of my information, I asked for verification I was talking to Wells Fargo and they provided me with their name ( XXXX XXXX ) and reassured me the number they called from is the number on my bank card. They let me know that due to their fraud concerns they would have to freeze my card unless I was able to sort it out over the phone then and there. They proceeded to go through some of my bank statements with me to make sure it all looked legitimate, they already had access to my account as I only provided my Name and phone number, they verified my account numbers with me, without me providing them. I did provide a pin as they said they required that. Because I was having a personal emergency I let them know this was not a good time and I would need them to call me back. I then saw that two wire transfers had been made and asked what had happened and he said that was the fraud and the money would be sent right back to me. He let me know they would call me in a few hours to finalize everything. Immediately I knew that phone call must have been the fraud. I immediately contacted Wells Fargo. One wire transfer was for XXXX, and the other one was for XXXX. I did NOT authorize these wire transfers. I then received an email about 30 minutes after the call saying that my debit card had been authorized for XXXX XXXX and connected to a new XXXX under the name of XXXX XXXX device. I also did NOT authorize that.

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 2023-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: GA

Complaint narrative:
MY COMPLAINT IS ABOUT XXXXANCE AND HUFFMAN I DID A COMPALIN ALREADY BUT THE CFPB FAILED TO PROTECT ME BECAUSE VANCE AND HUFFMAN VIOLATE MY RIGHT AND DAMAGED MY CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Mortgage Research Center, LLC
State: HI

Complaint narrative:
On XXXX, Veterans United Home Loans pulled a hard inquiry on my credit report without my consent. I didn't complete the application on their website on XXXX because they don't provide soft inquiries on credit report for pre-screening but they still pulled a hard inquiry two days later without authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately 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 2023-01-31 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:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance {$320.00} ; XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX  XXXX : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX 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 2023-01-31 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: CA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance - XXXX XXXX XXXXXXXX Balance {$320.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX  XXXX : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number 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 XXXX XXXX  XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank , N.A . is incorrectly reporting a XXXX  days late payment on my credit reports ( to all three credit bureaus ) since XX/XX/2022. This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( XXXX  years ). You can also see the error which is the late payment report by JP Morgan Chase Bank , N.A . for XX/XX/2022. 

According to the Fair Credit Reporting Act, JP Morgan Chase Bank XXXX should remove incorrect and inaccurate information from my credit report. I have contacted JP Morgan Chase Bank, XXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XX/XX/2022, the information reported is a complete error and yet they not doing anything about it. 

This error on my credit report is costing me, my wife and XXXX  XXXX  daughter massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. 

The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
This is regarding my Experian Credit Report. I submitted a dispute on XX/XX/XXXX for Experian credit report # XXXX disputing a loan account on the report with the name " XXXX loan account ''. I asked them to remove the loan account from the report since it is no longer being serviced by XXXX. Their resolution on XX/XX/XXXX says that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have attached a copy of the email provided by XXXX that the load is no longer being serviced by them. XXXX no longer has any ownership of my loan account. They transferred the loan to another provider, XXXX XXXX, and I have been making regular payments to them. 

The Experian credit report is inaccurate on the following points. 

Status Updated Date is XX/XX/XXXX. If Experian says that they investigated my dispute and the information on the account was confirmed and updated as of XX/XX/XXXX, why is the installment loan account still in good standing when there is no payment made after XX/XX/XXXX? This is because they no longer service the account and have no financial relationship with me. 
Provider Name is incorrect Balance is incorrect This XXXX account is no longer active and it will never be updated since I dont make payments to them, and they dont service the account anymore. This account has not been updated since XXXX and is harming my credit score and credit worthiness because it represents inaccurate and misleading 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