vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
My XXXX XXXX used my bank account info to pay a {$4100.00} debt. This was fraud and has effected me greatly, in multiple aspects. My bank tried to retrieve the money the next day, but the bank it was wired to responded that the funds were not available. My XXXX XXXX  is being held liable legally, but I desperately need my money back. I am a XXXX  father of XXXX. I know I am not on the account, but she has also reached out on my behalf, and has promised to pay the original debt in full if I can be returned my money. This was fraud and she was not an authorized user on my account. My bank account is now securely locked and all passwords changed. I really really need these funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: OH

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXXXXXX {$110.00} XXXX XXXX XXXX XXXX {$97.00} XX/XX/2023 Same Accounts XX/XX/2023 Same Accounts Ive contacted the companies and Credit Bureaus All I get in return are they have identified that these belong to me. These accounts have been charged off and are still open revolving accounts damaging my credit score. I did not receive a 1099 from the IRS. These are noncompliance FCRA regulations and need to be removed immediately

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 2023-05-11 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:
Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using Experian but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all XXXX credit bureaus ( XXXX, Experian, XXXX ) Regards, XXXX XXXX XXXX XXXX, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate 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 2023-05-11 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:
I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I submitted a complaint again last XX/XX/XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I submitted a complaint again last XX/XX/XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-11 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I submitted a complaint again last XX/XX/XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-11 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have three accounts on my credit report that I have not authorized. The following accounts are : XXXX XXXX ( {$430.00} ), XXXX XXXX ( {$1800.00} ), and XXXX XXXX ( {$260.00} ).

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 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
your company has broken the law, they have furnsihed my information without my consent I am cease and desisting all illegal activity as they have violated 15 usc 1692c I am well aware of my rights as a consumer and I am ceasing all mediums of communication and that includes that through my consumer report or any other tactic to attempt to collect information, If my case is not taken serious I will hold all parties involved civilly liable in pursuant to 15 usc 1692k as they have caused mental distress and marital instability with me and my partner, I demand a deletion of these accounts From my consumer report at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They just closed my account for no reason this was years ago and I was receiving my SSI benefits

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 2023-05-11 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases.

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I do not know who IC System is, claiming XXXX and a debt of {$120.00}. 
I have not had a XXXX account since XXXX and, as this is XX/XX/XXXX, this claim was opened in XX/XX/XXXX, does not appear on my last full report dated XX/XX/XXXX. This is likely fraud and should be removed one way or the other.

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 2023-05-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my XXXX credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( XXXX ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

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 2023-05-11 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: TX

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I refinanced back in XXXX with Home Point Financial at which time a deed of trust ( XXXX XXXX Courts, Maryland ) in Book XXXX Page XXXX with HUD in the amount of {$91000.00} was paid with the proceeds of that loan. When Bank of America , N.A . did a modification in XXXX they did not property file documentation with HUD so when HUD released the lien, they released the initial partial claim lien and not the lien for {$91000.00} that was filed on XX/XX/XXXX ; which originated on XX/XX/XXXX, signed on XX/XX/XXXX. We need a release in order to file secondary financing.

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 2023-05-11 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: OH

Complaint narrative:
Today I called and spoke with Supervisors at Equifax regarding unauthorized inquiries on my credit report. I have contacted the Creditors hundreds of times and have even been advised they dont have anything with my name on it. There are multiple inquiries on my credit report that I do not recognize. I was told to file a complaint with the FTC ( you can ONLY file a complaint online with the FTC and they provide you with a report number ) and also send in a copy of my ID and social security card VIA FAX which I am attaching. Please remove the following inquiries from my report. 
See below XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: IL

Complaint narrative:
I have been working on my XXXX credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
Tried to get a loan approved through XXXX XXXX XXXX XXXX in Oklahoma. Loan got approved for a 2023 XXXX XXXX, XX/XX/2023. Didnt have any issues with the loan since the day we were there but a week or so ago the finance manager from the dealership started harrasing us for a paycheck and a paystub from my employer. Gave them all the information and no issues. Few days go by and more harrasment from this financial manager asking for employement verification. Told him that I couldnt get ahold of my manager/supervisor since I work off shift. He kept calling and texting us for a few more days. Last call he made I told him that I wasnt satisfied with their customer service and wanted to give back the car and stop the deal from happening. XX/XX/2023, me and my husband decided to head back to the dealership and talked to another manager to sort things out. No manager was available so we left. Went back today XX/XX/XXXX and a guy named XXXX said that the loaned got approved but refused to show any evidence. We called the financial institution and they didnt have any information on their system stating that the loan was approved. He then left the office to go get a finance person. Came back and nobody from finance came into the office to talk to us and XXXX kept being very condescending about the situation and even congratulate us, in a sarcastic manner, on being owners of the vehicle. He even told us that if we left the car it was getting repossessed. Then he proceeded to say Im done here and left the office and left us. After that, we stood up and left the car with the keys in that office.

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 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
I broke a lease with XXXX XXXX at XXXX XXXX XXXX a few months before the end of my lease. I was never notified of additional balance due after I vacated the apartment even though I did provide forwarding information. I figured that they used deposit to cover it and were able to rent my apartment immediately. The first time I learned about a balance due was when it appeared on my credit report. Had I been given notice I would have been able to make payment arrangements. However, the balance due on this collection account that was illegally placed on my credit report with no notice is preventing me from being able to obtain housing.

Company response to consumer: Closed with explanation