vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: OH

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-06-24 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but XXXX  XXXX and equifax has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but experian XXXX and XXXX has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my regions 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 2023-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
As a federally protected consumer XXXX & Capital One have violated my rights. 

Pursuant to the Privacy Act I the consumer am entitled to privacy of my nonpublic information. My transaction history is private information furthermore per Capital One terms and conditions they agreed not to share my information with non affiliates and the reporting agencies are NOT affiliates of Capital One. 

15 U.S.C 1681a ( 2 ) ( A ) ( i ) 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681a ( q ) ( 3 ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) Under 15 USC 6802 I the consumer also opted out of this information on XX/XX/XXXX 

Under the XXXX XXXX XXXX Capital One agreed to discharge this debt according to the forms on file with the SEC. 

Due to the promissory note of the consumer being securitized the certificate of indebtedness should have been credit to the consumer therefore no late payments can be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: OK

Complaint narrative:
A credit building company called self was supposed to help me build my credit I never gave them any money and I never opened an account but yet they have an account saying I owed {$720.00} and I never want to received any services for them or from them nothing I don't understand how that can go on my credit when I never signed anything I never send a picture of my ID to anyone I didn't do anything to have that on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: AR

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a XXXX veteran I receive my VA XXXX check there, Social security check there and payroll check. Often times I am in an out of the hospital due to my XXXX and I have a care person that takes care of my banking needs. Just recently I have discovered my account has been abused and is in the process of being closed which will put me in a worse condition financially and put me at risk of not being able to pay bills. I would like for the bank to reconsider the closing of my account and unlock it so that my direct deposits may hit and if I have to I will close my own account but this is an inconvenience to someone who served this country. Wellsfargo bank should be ashamed

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 2023-06-24 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act as a federally protected consumer, I have a right to privacy. 

Per the Securities Exchange Act Comenity Bank agreed to discharge this debt so it can not be late. 

Per the International Bill of Exchange and Promissory Note Comenity Bank failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. 

Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 

15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.Code 1681s-2 ( 7 ) ( E ) Per 17 CFR 424 Capital One said it would not commit language fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-24 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: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I have been a participant in the LA XXXX XXXX XXXX as a result of a hospitization I experienced during the XXXX pandemic. The State of Louisiana 's program paid my mortgage current and has made payments for 6 additional monthly payments. However, PHH Mortgage is ALWAYS slow in posting the payments. Once, the funds were sitting in a suspense account while agents told me no payment had been received from the state program. After waiting several weeks to speak with my PHH Relationship Manager they explained that the payment of {$790.00} was sitting in a suspense account and I needed to pay the remainder of that monthly payment ( approx {$100.00} ) before any of the state 's payment of {$790.00} would be posted to my account. The payment was late as a result of PHH 's failure to provide me with accurate information initially. They waives the late fee, however I am unaware if any late reporting was made to my credit bureau file for that XX/XX/XXXX payment. Here again I am being told on XX/XX/XXXX that PHH has not received payments from the state of Lousiiana HAF ( LA XXXX XXXX XXXX ) for XXXX or XX/XX/XXXX. The state has confirmed that payments were sent over 30 days ago. PHH will not process a partial payment for my portion {$100.00} and have scheduled a call for me to speak with my Relationship Manager over 3 weeks from now on XX/XX/XXXX stating that is the earliest appointment time that they have available. Why aren't payments that the state of Lousiana sent to them on XX/XX/XXXX and XX/XX/XXXX still not posted on my 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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

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 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: The J. G. Wentworth Company
State: MS

Complaint narrative:
I had XXXX different transactions with J.G. Wentworh. The first two went smoothly, no issues. The first being on XX/XX/XXXX for {$100000.00}, the second being on XX/XX/XXXX for {$95000.00}, the third on XX/XX/XXXX for {$480000.00}. They only sent me {$2000.00} on the third transaction. I tried to contact them numerous times throughout the time period allotted to cancel it, got no response. I have messages from someone from their company telling me XXXX supposed to receive {$480000.00}. I never once went before a judge during any transaction. Since then the bank has closed my bank account and caused many other issues to arise. All I want is for them to give me my money, which is out of a XXXX XXXX dollar settlement and quit tricking people into signing something when they are lying to them and scamming them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. 
Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. 

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

15 U.S.Code 1681a ( 2 ) ( A ) ( i ) XXXX XXXX XXXX XXXX agreed to not share my nonpublic information with non-affiliate. Experian is not an affiliate of XXXX XXXX XXXX XXXX. 

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) 15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1602 ( l ) 15 U.S.Code 1602 ( j ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 6801

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