vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from WFDS which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted WFDS, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: OK

Complaint narrative:
On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: AZ

Complaint narrative:
They have inquiries on my credit report from XXXX and XXXX XXXX that i did not authorize XXXX XXXX was on there 3 times and they only removed one the other two dates are are still reporting file # 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 2017-06-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This complaint is being filed against Equifax in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX for {$230.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with Equifax on four different attempts to correct their inaccuracies. However, Equifax have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. Furthermore, during my 3rd letter of dispute, Equifax failed to provide me a timely respond. Not only did they not provide me a responds with 30 to 45 days, I had to write them again to inform them that they failed to respond. Still the above mentioned accounts remain inaccurate on my credit report. These accounts do not belong to me! According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair  Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Equifax claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 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: Credit Plus Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Credit plus which was made on XX/XX/2016. I checked my credit report, which I acquired from XXXX. I have contacted credit plus, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: TN

Complaint narrative:
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

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 2017-06-21 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: TN

Complaint narrative:
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

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 2017-06-21 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted Santander and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through Santander Consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XX/XX/2016. I checked my credit report, which I acquired from Transinon. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) XXXX XXXX who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names Cooling and Winters. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a XXXX XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that XXXX XXXX never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me XXXX XXXX contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay XXXX XXXX and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.

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 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX  XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX /XXXX/2016. I checked my credit report, which I acquired from transinon. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My account is negative because of an XXXX and I need to add money and XXXX XXXX wo n't let me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through 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 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX which was made on XX/XX/2015. I checked my credit report, which I acquired from Transunion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX-XXXX-XXXX Re : CAPITAL ONE BANK USA NA # XXXX XXXX To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX with a pass due balance of XXXX I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,

Company response to consumer: Closed with explanation