vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My online banking was hacked using my email. A XXXX XXXX was sent in the amount of XXXX. 

I got an email saying the transfer initiated XX/XX/XXXX but did not happen till XX/XX/XXXX. Wells Fargo sent an affidavit requesting to cancel the transfer but it was denied and the transaction posted. 

I called my bank immediately on getting the email XX/XX/XXXX. I reported it. I changed my checking and debit card numbers. There was a second XXXX XXXX already set up to go out and the bank cancelled that one. 

I froze my credit. I changed my gmail password. 

The bank is investigating and still hasnt given me my money or provisional credit. 

I found out from the bank that the XXXX XXXX paid was an XXXX credit card. 

I called and confirmed with XXXX I have no open credit cards or relationship with XXXX XXXX. 

I told the bank I confirmed with XXXX that I have no credit cards with XXXX. I also confirmed with XXXX XXXX I have no relationship with them. 

I also told bank my gmail was hacked because I got XXXX junk emails. I told them I changed my password.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE BEEN IN CONTACT NUMEROUS OF TIMES WITH ALL 3 CREDIT REPORTING AGENCIES DUE TO A MIX UP WITH MY SOCIAL SECURITY NUMBER. ADDRESS AND BIRTHDATE. THE NUMBER THESE AGENCIES HAVE ON FILE XXXX IS NOT MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED HOUSING/ CREDIT / LOANS, CAR LOANS ECT , DUE TO THIS MIX UP. I HAVE BEEN LIVING HOUSE TO HOUSE SOMETIMES ON THE STREET DUE TO THESE CIRCUMSTANCES WITH THE XXXX MAJOR CREDIT BUREAUS REPORTING WRONG PERSONAL INFORMATION ON MY CREDIT PROFILE. I HAVE DONE ALL I CAN DO TO FIX THIS SITUATION ; MY ONLY OPTION LEFT IS TO SUE THESE AGENCIES FOR NEGLIGENCE AND PAIN AND SUFFERING I HAVE ENDURED BECAUSE OF THIS MIX UP. THIS IS MY FINAL ATTEMPT AND ADDS MORE PROOF TO THE FACT I HAVE NOTIFIED AND PROPERLY EXPLAINED MY POSITION TO THESE AGENCIES IN THE EYES OF THE LAWS THAT GOVERN THEM. ON TODAY XX/XX/year> I WILLL BE ATTACHING MY STATE ISSUED IDENTIFICATION CARD ALONG WITH MY GOVERNMENT ISSUED SOCIAL SECURITY CARD IN HOPES THIS MATTER GETS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NM

Complaint narrative:
Hunter Warfield on XXXX Florida says I owe a debt I know nothing about. I have no idea what it is for. 
Every XXXX  this entity reports a debt as a new collection. This started in early XXXX and every XXXX  they report it as a new collection not a over XXXX XXXX XXXX debt. They have cause my credit score to fall from XXXX to XXXX this time which they reported between XX/XX/XXXX and XXXX XXXX according to my credit tracking. 
4 months earlier the same thing over and over and over. 
This has caused serious hardship for my family as we struggle to get a loan to repair our property. Furthermore this action of Hunter Warfield constantly pushes the expiration of this collection for another 7 years instead of just over XXXX according to their first report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This company must have tried to buy a debt from another company that was satisfied. Now the company has sent repeated messages and statements through the mail. It his account has been closed

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 2024-07-28 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: DISCOVER BANK
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PNC Bank N.A.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
As a consumer, I want to strongly emphasize that I have a legal right to a completely accurate credit report. Its crucial that credit reporting agencies take immediate action to update or remove the accounts mention in the attached dispute letters. Your prompt attention to this matter is of utmost importance and I genuinely appreciate youre your swift assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I recently checked my credit report with XXXX and found the servicer of my VA mortgage loan " Nation Star/Mr. Cooper '' has extended my mortgage by XXXX months from a XXXX XXXXear mortgage to XXXX year mortgage. In the comment section of credit report Nation Star reports Loan Modified  essentially extending the loan an additional XXXX years From XX/XX/XXXX to XX/XX/XXXX. I DO NOT have a mortgage loan modification with them and my account is in good standing. If this is on my XXXX credit report it's more than likely on all the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-07-28 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:
XXXX account XXXX Experian removed and blocked this fraudulent account but then later reinserted it without providing legal proof of account. The account is a direct violation FCRA 15 us code 1602 and should be removed per the violation

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 2024-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Peritus Portfolio Services II, LLC
State: MD

Complaint narrative:
Good day, On XX/XX/XXXX, I purchase a XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX. I just learned that on XX/XX/XXXX, XXXX XXXX  filed for Bankruptcy. See Case No. XXXX In the XXXX XXXX XXXX Virginia XXXX Furthermore, XXXX XXXX XXXX filed a lawsuit against XXXX XXXX on XX/XX/XXXX for non-performance under case number ( XXXX. I made all my payments on time. Now I'm receiving mail form PERITUS PORTFOLIO SERVICES, claiming the current Credit is XXXX XXXX without providing any proof of claim as requested by me. I contacted the Bankruptcy Trustee and was told that PERITUS PORTFOLIO SERVICE do not have any rights to collect a debt on behalf of XXXX XXXX. I don't know where to make my payments and PERITUS PORTFOLIO continued to call and threaten to file a court case against me. I have no other choice in this matter but to file a Adversary Complaint into XXXX XXXX  Bankruptcy Case. I am requesting that PERITUS PORTFOLIO SERVICES, AND XXXX XXXX provide me with PROOF of there claim as I have requested three times from them but to know avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez ( Shellpoint loan servicing ) recently took over servicing my HELOC. I made a large principal payment XXXX weeks ago. They have taken the money but not applied it to my account. It shows in my account as unapplied and has for weeks. I've used their online communication tools with no response, I've called and was told they would handle it, and a week later, nothing has been done. I've talked to the mortgage brokers who reached out to them and were told it would be resolved in a day, and it still isn't. It's like no one works there. 

I would like to pay it off so no longer incur the interest until I need it but the customer support agent I spoke with said it would be best if I didn't until the current unapplied principal payment issue was resolved. Issue is at this point I have no faith they will resolve the issue after ignored messages and broken promises to both me and the services support team at the mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-07-28 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-07-28 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
This is not my loan. They somehow got my email address and sent me the collect letter. I will provide the basic information. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX - XXXXXXXX XXXX, Mon-Fri XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Reference : XXXX They sent it to Security Credit and say I owe them the {$680.00} from a loan I got from XXXX XXXX XXXX. Which I didn't. I also have the original loan document that Security Credit sent me. All the information is for the person above, but they sent it to my email. The attachments were sent to me by Security Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my right I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed

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