vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was in an abusive relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my abusive relationship. It wasn't until I moved to a completely different state ( all to get away from my abuser ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this XXXX hiccup. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-08 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: FL

Complaint narrative:
Around XXXX of 2021 XXXX  and equifax received a bankruptcy account from XXXX. I disputed the accounts to see who furnished the accounts and it came out ot be XXXX. XXXX is in violation of 15 USC 1681b and had no permissible purpose to furnish any information to any unaffiliated 3rd party. After disputing these accounts with XXXX they ruled that the accounts were not verifiable, and we deleted. However, equifax and XXXX are still reporting harmful information that has been proven to be unverified from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-06-08 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I was denied a checking account because of negative account showing on ChexSystems. I sent a certified letter since the XXXX of 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 2023-06-08 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: IL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filling a complaint on Wilshire consumer Credit address XXXX XXXX XXXX. # XXXX XXXX XXXX, ca XXXX Number- XXXX. I have been contacting this company to prove the validation of this debt under section 1692g. and they have yet to do that. They are reporting this debt on my credit and that is identity theft and at this point im able to sur under section 1692 up to 1,000 dollars for each fraudulent account being reported on my credit and can also get them for unfair practices under the section 1692f also section 1692 d.harassment or abuse and section 1692c. communication in connection with debt collector. They are very rude and disrespectful to consumers and I can prove everything im saying with voice recordings from them directly that I have recorded. They hang up on consumers, they threaten consumers, they talk over consumers while the consumer is just trying to get information on the so called debt in their names. This is against the law under the Equal credit opportunity act and fair debt collection practices act. I have asked this company to cease contact with me because this account they have was did fraudulently and they are still contacting and harassing me. They have not provided me with the original documents that was made on this account I would like copies of all documents they obtained in making this false debt. That is the law and they are required by the law to provide this information and have not. They are breaking the law!! When I called to see what was this in my name they then changed the information on this account to my real information when I first called because I was unaware of what the debt was and gave them my address so they could send me the binding contract with my signature and my identification and instead of them sending me the information they are trying to get more of my information so they can add it to this fraudulent account that is not mines. I want this account out my name and all information on it or I will be pursuing a lawsuit under these sections which is my right and I should actually do now because I have given them the 30 days as the law has stated I can

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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My XXXX was compromised and someone accessed my bank account and was withdrawing money slowly so I did not find out of the hack. The hacker was withdrawing money around XXXX to XXXX when I was sleeping. They were buying something on a website called XXXX. The used an old ID to request loans that were denied thankfully. I contacted Wells Fargo to file a claim. They closed the case without even reaching back to me. They did not give any details of the claim, they just closed. I called them back because it has been a week since I first contacted them, and that is how I found out the claim was 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 2023-06-08 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: FL

Complaint narrative:
I had my car repossessed during the pandemic because I could not pay it. XXXX, the original creditor, listed the repossession in my credit report as a charged-off account. Eventually they sold the account to a collection agency called XXXX XXXX XXXX, who started listing the account in my credit report as a collection. For the last five months, both XXXX and XXXX have been reporting the same account. Reporting duplicate accounts in the credit report is a violation of the FCRA. I have written to the credit bureaus ( XXXX, XXXX, and Experian ) as well to as XXXX to delete the duplicate account and they have all ignored my requests and are still reporting the duplicate account in violation of the FCRA. 
The attached documents show dates of when I have written letters to the CRAs and XXXX asking them to remove the account. I am also including the credit report I pulled today that shows the duplicate account still being reported by both XXXX and 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 2023-06-08 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
There are accounts that were opened and operated by someone else located on my credit report. I have no knowledge of who has opened the accounts that are located on my report. There are three accounts that are listed fraudulently and incorrectly ; one account is Navy Federal Credit Union, opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions, the fraudulent account still remains on my credit report. 

Another account that is fraudulent on my credit report is XXXX XXXX XXXX XXXX, fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report. 

The remaining fraudulent account on my credit report is from a collection agency called XXXXXXXX XXXX, this account was fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
I have filed several disputes with Experian and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called Experian on XX/XX/2023 to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show Experian actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and XXXX XXXX XXXX. I have given experian my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage

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 2023-06-08 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: TN

Complaint narrative:
I've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus XXXX, Transunion, XXXX have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX XXXX : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : 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 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I received a payment of {$2200.00} dollars on XX/XX/2023 and Venmo suspended my account when I tried to transfer it saying my card was linked to another account and I never gave anyone authorization to use my card for anything and now I submitted multiple times my bank statements they were asking for via email and they are saying that that's not what they are looking for. The last lady I spoke with said an email would be sent in 5-7 business days. I received an email saying upload my ID and bank statements in the next few days and I did exactly what they wanted me to. I am positive it's the right card and the statements they repeatedly asked for and they are saying it's not what they need and it shows it is and the last four digits of the card is on the transactions list as well. They are not specifying what exactly they are looking for and at this point I don't think they are looking for anything. My funds are still stuck on this account and I had to pay rent since last week. They repeatedly send an email saying it's not what we are referring too but it definitely is. I submitted a ticket on the venmo account today because that's the company I'm referring to. I told them what I'm telling you now and I'm getting frustrated because I also uploaded the files as well. They are so vague and not explaining to me why they are just holding my funds. " This cause tremendous amount of stress and can possibly lead to eviction if my landlord pushes the issue. " Please unfreeze my account. I gave you guys everything you requested and asked for. " Exactly what I told them and they are still doing nothing and saying that the ones who can unfreeze my account is unreachable what app does that? Who just holds people funds and say it's nothing they can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LA

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX : XXXX { Credit Bureau XXXX ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX k }

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 2023-06-08 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: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
XXXX/XXXX/2023 The company Specialized collection Systems Inc contacted me leaving me a voicemail specifically saying Hello this is SCS Inc. with a message this message is from a debt collector please visit us online at XXXX forward/patient or call us at XXXX thank you and have a nice day please listen for a reference number XXXX I went to the website put personal information in to find out the debt I owed And it site said I owed XXXX I checked my medical insurance and and confirmed I did not owe or have medical debt. 

I came to the conclusion that I was scammed I didnt not pay the company any money The information I gave the company to find out the debt My date of birth My last name My email My zip code And last 4 digits of my social I already contacted an attorney in Texas filing a complaint on this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The issue is causing me significant XXXX and XXXX to the point where I'm having trouble sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a medical debt owed to XXXX, a company that provides aligners, and their debt collector, Westlake Portfolio. I initially signed up with XXXX and agreed to a total cost of around {$2000.00}, with an initial payment of {$290.00} and subsequent monthly payments of {$99.00}. 

Upon realizing that the aligners were not suitable for me, I researched the refund process on XXXX 's website. However, when I tried to initiate the refund, XXXX informed me that I was not eligible. I attempted to dispute their findings based on their own terms and conditions, but they had already blocked my access to do so. Feeling dissatisfied with their service and promises, I decided to continue making payments to XXXX, even though I wasn't a happy customer. 

Months later, I discovered a missing payment collection notice on my credit report, which negatively affected my credit score when I was in the process of purchasing a car. I discovered that the missed payment amount reported by Westlake Portfolio, which caused my credit score to plummet by over XXXX points. When I contacted Westlake, they informed me that the amount they were claiming included interest and charges, and even if I paid the full amount, it would remain on my credit report for 7-10 years. XXXX redirected me back to Westlake, stating they didn't have any information about my account. This back-and-forth continued, even after speaking with XXXX, a supervisor at XXXX. 

My main concern is that I am unable to ascertain which payments were missing, as I had set up automatic payments and didn't reconcile my accounts regularly unless there was a significant discrepancy. XXXX and Westlake have both provided different amounts owed, neither of which takes into account the payments I made or the agreed-upon pricing when I initially purchased the aligners. 

I feel that both XXXX and Westlake are holding my credit XXXX without providing any details about the alleged debt. They are effectively extorting me, offering the choice between paying an amount I believe to be inaccurate or enduring the long-term consequences on my credit report. I am seeking assistance in resolving this matter promptly and fairly.

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