vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 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: WA

Complaint narrative:
Several times when checking my credit report, I have noticed a credit card account that was not mine. In XXXX, I noticed an incorrect address listed on my report. That was removed after I disputed it. In XXXX I filed a dispute re a cc that appeared that was charged off that I believe to have been opened fraudulently in XXXX. Credit bureau dismissed this. Filed another claim a few days ago, also dismissed. Today i tried contacting XXXX XXXX XXXXXXXX who reported the initial credit card charges and delinquency. I spoke to 8 different people in 8 different departments, no one seemed to be able to help me resolve this. 
I believe someone used my ss # to obtain this credit card and then never paid it. 
I just want this removed from my report. I never open this 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 2023-07-05 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: NV

Complaint narrative:
a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: NV

Complaint narrative:
a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.

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 2023-07-05 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: LA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-07-05 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: LA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX loan modification was approved which had wrong property tax of {$340.00}. 
I have filed enough complaints about property tax either wrong calculated, wrong amount was taken out was and so on. This issue has never been resolved. I had filed a complaint with XXXX XXXX that only partial escrow was corrected. It stated in the response on XX/XX/XXXX it WAS INADVERTENTLY ADDED HOME OWNERS INSURANCE. 
From XXXX until XXXX SLS refused to correct the mess and ITS ONLY TO COVER RESPONSE SLS BACK SIDE ONLY INADVERTENTLY HOMEOWNERS INSURANCE WAS ADDED. 
ITS JUST BALONEY TO STATE INADVERTENTLY CLOE TO TWO YEARS LATER CFPB AND FEDERAL GOVERNMENT HAS BEEN MADE FOOL BECAUSE SLS KNOWS CFPB IS TOOTHLESS TIGER WILL ACCEPT ANY RESPONSE EVEN IF IT IS WRONG. 
After loan modification documents exhibit A {$340.00} property again has been added. Exhibit B after multiple complaint property tax corrected to {$260.00} request was made to correct. 
On XX/XX/XXXX a written request was made to correct by XX/XX/XXXX so loan modification can be signed and returned. Respondent failed and refused to correct property tax amount. 
Despite not returning corrected loan modification responded has been charging late fee for NONE OTHER CFPB BEING TOOTHLESS TIGER. We have been charged late fee while we are in forbearance plan. Charging a late fee without responding to my inquiry to correct loan modification is a violation of FDCPA. Likewise, is violation of FDCPA to charge late fee while I filed written dispute filed on XX/XX/XXXX and no response has been received as of XX/XX/XXXX. 
Its over 45 days I have not received response I have not received corrected loan modification. XX/XX/XXXX I requested to provide corrected loan modification its XX/XX/XXXX I have not received corrected loan modification.

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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
on XXXX XXXX I received a Venmo transfer of {$2500.00} and I didn't know the person who send it I advice Venmo officials that these money is not mine and I would like to return the money but after I notify Venmo the money sent was for me and when I try to make the homey out my account if frozen even if I verify my self and upload my driver license till date my Venmo account is frozen and I wouldn't make any withdrawal or money transfer I need my account unfrozen and I would like to transfer the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-05 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: NJ

Complaint narrative:
My identity was stolen and several fraudulent accounts were opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: NJ

Complaint narrative:
My identity was stolen and several fraudulent accounts were opened in my name.

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 2023-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
Original creditor was an ambulance company that did not bill my insurance even after multiple phone calls to them asking them to bill my insurance that was on file. Almost 4 years later, I get notified that I was in collections for that ambulance bill that was never billed to insurance. This time it was a new debt collection agency that purchased the debt from the original creditor.

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 2023-07-05 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: LA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I talked with the company and they are looking into it but they told me to file this complaint along with a police report for Idenity Theft on XX/XX/XXXX the service was XXXX back in XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is XXXX XXXX  and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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:
I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1980, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-07-05 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company wells Fargo is lying telling me I wanted to pay in full I already made settlement now they're saying I wanted to pay in full which is a lie why would I pay settlement and then pay in full doesn't make sense.

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 2023-07-05 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
The credit card company continues to report inconsistent and incorrect payment history every month. I have disputed the account many times and each time its a different outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I opened an Alaska XXXX XXXX XXXX XXXX Bank of America ( BoA ). I had the card for several months and made a number of purchases ( over {$3000.00} ) and paid the card in full. In fact, I overpaid the card by {$190.00}. BoA then notified me that there was fraud detected on my account and that I needed to report in person to a BoA lobby with identification to prove I was who I claimed to be. I told them that I would not be going in person since the nearest Bank of America XXXX is XXXX miles from my home. BoA said I had to go in person and I decided to close the BoA account for this horrible customer service. I was prepared to send them any documentation needed to verify my identity, yet, they insist I go in person. 

Now, I called to asked that BoA return my overpayment/credit balance of {$190.00}. They still insist that I need to go in person to prove my identity ( XXXX miles ) before they pay me back my overpayment. I have tried to resolve this and the BoA fraud department is blaming their customer service for the hold on my funds and BoA customer service is blaming the fraud department. I want my overpayment back and I am glad to send proof of my identity and/or get on a video call if they want that. I just want my overpayment back plus reasonable interest for holding my money without cause.

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2023, Bank of America went into my checking account and emptied my funds of my account. They claim another bank account had been made at the beginning of the year in my name which I never opened. I had submitted all necessary paperwork proving who I was at the beginning of this year 2023. They claimed to have never received this information. Which led to them taking money out of my account on XX/XX/XXXX. In the amount of. {$1100.00}. 
I received a week after the fact a letter informing me they were going to be taking this money from me. After my account was already purged by XXXX and my account has been In negative standing since XX/XX/XXXX due to this. One quarter of my monthly income was stolen from me by XXXX. I call them weekly. I was talking to a manager out of the XXXX, CT boa location weekly as well. And she of course no longer works there. I received another letter from XXXX on XX/XX/2023 saying Weve completed our research on your claim listed above. And determined you arent the person responsible for opening the account. 

I was told on the XXXX of XXXX that the analyst working on my case would get me an update. No such thing has happened. Last week when I called XXXX again. I was told the analyst has until XX/XX/2023 to get my money refunded back to me. Even though I have been told since XX/XX/XXXX it would take XXXX business to get my money refunded back. After talking to another person today. I was told now it can take 30-90 days to get my money that BOA has stolen from me. I want this resolved. This was done criminally towards me and XXXX is dragging their feet. My money was stolen from me. What and why do banks have fraud protection for customers if they clearly do nothing when something like this happens?

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 2023-07-06 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: MI

Complaint narrative:
I have a XXXX  XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a XXXX XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please

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