vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: TX

Complaint narrative:
This credit bureau is not following their fair credit reporting act obligation. They have not acted in a prompt or " Fair/Equitable '' manner. Over the past 12 months I have been requesting a removal and/or investigation on numerous fraudulent charged as it is well known with the IRS and the other 2 credit bureaus that my identity has been stolen. The culprit has even been found and is being criminally charged by the IRS CI. I have IRS contacts and references as well to back my claims as they contacted me and conducted an interview showing me the fraudulent accounts created under my name. The bureau has not submitted evidence of investigation by providing me with the names and address of persons contacted as requested as they only send the standard paper over and over saying that it is verified when these accounts ARE NOT EVEN VALID, nor have they removed the inaccuracies. They have failed to take care to maintain the accuracy, relevancy, and proper us of information of my file. I have already filed a police report and an identity theft affidavit as well. I have submitted a small claims petition myself and served the papers via certified mail to of I get no response, so now I've partnered with an attorney and intend to also file a complaint with the Subcommittee on banking, credit and insurance and my attorney state general due to the blatant disregard of the law with this bureau. The other 2 bureaus have fixed the problem on their side, there is no valid reason to disregard the law and for this long of a time period. I have records and paper trails of everything and am fed up, I intend to take this as far as I can fully-fledged and request compensation as well if these fraudulent accounts are not removed. Please remove these fraudulent accounts immediately. 


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 2022-01-10 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: NC

Complaint narrative:
The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express sent me a replacement card for a card that was damaged via XXXX at my request. The card was marked as delivered by XXXX but did not arrive. I called American Express customer service, who told me I could request another card, but they would have to cancel my existing card number. A replacement Card would either need to take 7 business days via USPS or be sent by XXXX  again. Since XXXX is unable to deliver my card I am uncomfortable giving them the replacement card as well, and asked for another courier to send my second replacement card. I was told those are my two options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have three issues : 1 ) I have asked multiple times for BOA to provide me with " a copy of any document that we relied upon during our investigation and/or processing of your request. '' wrt to a rejected payment from XXXX XXXX / XXXX Mortgage in early XXXX. Instead, BOA keeps sending me my correspondence with them requesting the same. This however doesn't indicate how they know the payment was rejected. 

2 ) As part of that request, correspondence was sent to a 3 year old address ( on XXXX XXXX XXXX. Bank of America says they have no record of that address in my account. They have been unable and unwilling to furnish me with documentation they relied on to get that address, instead they keep sending me copies of my correspondence requesting such. 

XXXX ) I need Bank of America to research why correspondence is still being sent to an address that they indicate they have no record of. I also need to know what needs to be done differently the next time I change my address to prevent this 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 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc
State: MI

Complaint narrative:
Contacted the original debtor which is XXXX XXXX and they stated I rented a house from them and that is not true. They said it was the month of XX/XX/2021 and the amount owed was XXXX. Again is not ture I have never lived outside of Michigan and at the time of this they didn't have my correct last name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This complaint is about COVID-19 forbearance repayment. The loan is in the name of XXXX XXXX XXXX ( maiden name ) I own a XXXX and my XXXX XXXX mortgage is serviced by Select Portfolio Servicing ( SPS ). I have a XXXX  living in my unit and I applied for and received COVID-19 forbearance relief. My COVID-19 forbearance relief ended in XX/XX/XXXX, so I applied for payment deferral in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made four timely mortgage payments in the amount requested on the monthly statement. SPS kept asking me for " missing information '' ( 14 letters ). I provided the same information over and over again either via the telephone or by uploading documentation to the website. 
Then sometime at the end of XX/XX/XXXX, I was told that my application was declined because it was past 90 days old. I resubmitted the entire package, only to get a loan modification offer. I declined the loan modification, asking that I be considered for the payment deferral. I started both application processes stating that I wanted a payment deferral, not any of the other options available under the CARES ACT : payment deferral, loan modification, reinstatement, or repayment plan. SPS said that it was no longer considering me for any repayment options because they had offered me one : loan modification. I want a payment deferral so that I can refinance my 6 % interest mortgage. SPS does not refinance loans, but if they only offered me a loan modification, that would allow them to hold onto my loan for another 12-24 months, before another bank would let me refinance. I think that this is why SPS only offered a loan modification, instead of the payment deferral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a debit card from Wells Fargo with my name. 
I have not applied or have any business with Wells Fargo. It is tied to another account, in which the agent I reported to could not give me information about, inclduing a telephone number.

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 2022-01-10 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: TX

Complaint narrative:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX but nothing has been done.

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 2022-01-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i did not authorize these inquiries

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 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP
State: IA

Complaint narrative:
MULTIPLE FRAUD CHARGES ON XXXX. 

CALLED AND FILED A DISPUTE XXXX AMERIS BANK AND I STILL HAVENT GOTTEN MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Representative, I really need your help solving this fraud issue with BOAXXXX debit card. After numerous called made. I keep getting the same answer from them. We are still investigating or We will resubmit your claim again. 
. 
On XX/XX/XXXX, I called BOA/XXXX ( XXXX ) XXXX to report a total of 370 fraudulent charges of individual {$1.00} made to my account for a total amount of {$380.00} on XX/XX/XXXX by XXXX XXXX XXXX On XXXX XXXX I was credited {$100.00} claim number : XXXX. 
kind of odd that I only received a partial credit when all the fraudulent charges were made on the same day Called back again and this time another partial credit was issue back on XX/XX/XXXX I was credited {$77.00} Claim Number : XXXX again just partial XX/XX/XXXX. I called back again. After requesting to talk to a manager I was placed on hold for over 30 min. Still could not speak to a manager. However I was told that a claim for a {$290.00} was being submitted Today XX/XX/XXXX I called to asked why the credit has not been issued. As usual I got the same answer we are still investigating Please advise Thanks in advance for helping me to solve this issue 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 2022-01-10 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:
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MA

Complaint narrative:
I previously filed a complaint with the CFPB for Experian, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Experian is still reporting 3 companies that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Experian is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.

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 2022-01-10 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: CA

Complaint narrative:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2022-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I had a lease vehicle through Ally Financial from XX/XX/XXXX until XX/XX/XXXX. I made timely payments throughout the life of the lease. I turned in the vehicle and took on a new lease. Unknown to me at the time, Ally did an inspection on the vehicle and asked for an additional {$530.00} in excess wear and tear on the vehicle. They mailed this request in a letter dated XX/XX/XXXX to my former address which I had vacated XX/XX/XXXX. All of my communication during this lease had been via email and my communication preferences on my account indicated this as my preference. No email was sent or phone call made in an attempt to resolve this situation. I only became aware of the debt because of accessing my annual credit report on XX/XX/XXXX provided by XXXX. I attempted to contact Ally that day to resolve this issue but was forwarded to a debt collection agency. I followed up with both Ally and the debt collector on XX/XX/XXXX with questions regarding the inspection report itself and why no one attempted to contact me and no one at the collection agency nor Ally is willing or able to give me that 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
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to get a mortgage and my lender is saying that they can't pulled the credit report and to update my address to my current address. Equifax customer service stated that it will take up to 30 days for them to update my credit profile and I don't have 30 days as I need to update this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I put money into coinbase Wallet account, and it was taken out by another wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
I had an account with XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I cancelled my service and moved from that apartment, but they turned it back on, I'm guessing for the new renter but they kept it in my name and the people renting the unit never had it corrected.This was sent to collection company, XXXX XXXX XXXXXXXX XXXX This was the first I had heard about it and asked them to send me the paperwork because I knew I had cancelled and paid my final bill.Which they did and it clearly shows that it was cancelled and they stopped collection efforts and deleted it from my credit report in XX/XX/XXXX. Then I pulled my credit report in XX/XX/XXXX and the account had been sold of to National Recovery. I went directly to this collection agency and asked for the proof, they ignored me. I wrote to the bureaus where they also ignored me. I went back to the new collection agency, National Recovery, and sent them the paperwork that I had been provided by XXXX XXXX XXXXXXXX, showing proof that I had paid it. I have yet to hear back from them so I sent XXXX XXXX a letter directly asking them to please pull the account from the collection agency because this was their fault. I did not receive a response so I called them directly they claim they have never heard from me and would not look into the 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 2022-01-10 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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