vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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:
On XX/XX/2023 I mailed my dispute to Experian Reporting Agency about several unlawful Late Payments being furnished on my consumer profile, The basics of my dispute is about the unlawful use of Late Payments which is illegal, My results remained unchanged as I got updated of the results today Friday XX/XX/2023. XXXX XXXX states Late Payments are forms of Transactions and or Experiences between the consumer and the person making the report According to 15 USC 1681A ( 2 ) ( a ) ( i ) it states Consumer report does not include-Transactions and or Experiences between the consumer and the person making the report deeming all relative information furnished on my consumer report as inaccurate information in the form of Experiences pertaining to the Late payments being reported also I did not gave any of these companies written permission to put anything on my consumer report which is illegal and a violation. 15 USC 1681b2 Governs Permissible Purpose in the use of information in which I did not give them so this is a clear identity theft on there part, according to XXXX XXXX, they just refuse to follow the law knowing certain information is unlawful to report on one 's consumer report and they refuse to delete or remove the inaccurate information they choose to report the following accounts are reported as such Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the unlawful Late Payments that remain I need all these Unlawful Late Payment Accounts Removed and Deleted never to be brought back and my Credit score updated along with the other updated inaccurate information that has been removed because they have not been updating my score either

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My account was locked out w/o warning for some large transaction I made for a down payment on a car one whole month later raised as suspicious. Ive sent over all my transactions and proof of car Im currently on a road trip in my car and I have no way to access my funds Ive had over 70 phones calls with agents and supervisors and they keep telling me we will email your shortly its now been 48 hours and Im stranded with no gas or no food at a truck stop, they dont care whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: PA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-31 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: AL

Complaint narrative:
On XX/XX/XXXX, I called Experian when I received an alert about my account. I checked and a company, XXXX XXXX, had filed a collection against me for {$530.00}, destroying my credit. ( I worked hard to build up my credit and my payment history is exceptional ) The original creditor was listed as XXXX XXXX. 
I do not have and never had an account with XXXX. They do not even operate in Alabama. 
I called XXXX XXXX on XX/XX/XXXX. The representative asked for my SS number and insisted I pay. I refused without knowing what it was about. I was told that they would have to investigate it. I asked if I would be charged for this and she said yes, but wouldn't tell me how much. 
On XX/XX/XXXX I was able to find a phone number for XXXX where I could actually talk to someone. The rep transferred me to the collection dept where I was instructed to file a fraud report with the police. She said when they received it, they would remove the collection from Experian. I was given a website to go to fill out a form, but it is overwhelming to me. I am XXXX XXXX XXXX, ill, and have XXXX XXXX. It is difficult for me to figure out things. 
I did file a fraud report with the police and can get a copy of it next week, but don't know what to do with it.

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 2023-03-31 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:
Back in XXXX of 2022 I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX. XXXX was successfully able to dispute and block the fraud account which is XXXX XXXX BUT Both XXXX and Equifax still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
Back in XXXX of 2022 I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX. XXXX was successfully able to dispute and block the fraud account which is XXXX XXXX BUT Both Experian and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.

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 2023-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
Towards the end of 2022 I got a notification that my loan servicer, launch servicing LLC would be acquired by ascent. I had no mind of it until I saw my credit report and the account that I originally had taken out with launch had doubled into now 2 separate accounts. Now I have a {$17000.00} debt that is falsely under my name. I've contacted launch servicing, now Ascent, to change remove this and they told me that the credit bureaus will need to remove it, the credit bureau told me they need a letter from ascent. I've contacted ascent twice on this matter and they refuse to write me a letter stating their own incorrect information on my personal account and finances that is now effecting my life. Launch/Ascent has refused to provide any documentation, but has admitted to this falsehood on my account and credit. This has caused my credit score to lower, my debt being ~50 % higher then it should be, and refinancing and purchasing opportunities have become extremely difficult. Please help, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This banks are not allowing me to be able to to open up a bank account with them or any other bank because I am in XXXX thanks to this person or people that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

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 2023-03-31 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: PA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was told to resubmit since it wasn't specific enough before. In XXXX I was put in collections by the XXXX XXXX XXXX for a tow after being hit by a drunk driver with no insurance. The collection, which I disputed at the time remained on my credit report from XXXX through at least XXXX when I stopped looking. In XXXX, a full decade after being off of my credit report, and 2 full 7 year periods for collections being allowed, a new collection agency called XXXX XXXX XXXX, ( partial account # XXXX ) has tried to restart the collection process from the beginning. I have reached out to Experian multiple times to get this illegal collection removed from my report but they have told me that they don't actually do anything except verify identity. My dispute is that you can not put a collection on someone's report for 4 out of the 7 year period, stop and then wait 10 years and resume like nothing happened. There are statutes of limitations and laws against double jeopardy. You also can not have someone in collections for 4 out of the 7 year period and then start over on day 1. As of now the item will not drop off my credit report until XXXX, which will illegally extend a 7 year reportable collection to 21 years. Also XXXX XXXX XXXX does not have the right information about me and is reporting an address for me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, that I have never lived at, not related to anyone who ever lived there, no friends who have ever lived there, and I have never even visited. This needs to be removed as well.

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 2023-03-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry on my credit report.

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 2023-03-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, My Credit Card/Credit Line Debt balance is showing incorrect.. 
Also, the late payments are inaccurate for XXXX XXXX for XXXX, XXXX XXXX Mortgage for XXXX, XXXX XXXX XXXX ( XXXX ) There are other discrepancies also, but this is a good starting point.. 
I have excellent payment history yet not getting approved due to the low score Experian keeps showing..

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 2023-03-31 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 HAVE BEEN TRYING TO REMOVE XXXX FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX  AND XXXX XXXX. XXXX WAS ABLE TO PROPERLY INVESTIGATE AND VERIFY THAT THE ACCOUNTS INDEED NEVER BELONGED TO ME SO EQUIFAX HAS TO DO THE SAME BECAUSE THE ACCOUNTS ARE NOT MINE. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: TN

Complaint narrative:
We purchased a vehicle from XXXX XXXX XXXX XXXX XXXX They recently closed the business and filed bankruptcy. A collection agency is now servicing those loans. We do not owe a collection agency for our car, we were current on our payments when the doors closed, we have pd over 16,000 on this car.

There are 1000 's of people in the same situation we are in. 
We appreciate any hep.

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 2023-04-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; 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 
These banks are not allowing me to open up a bank account with them because I am in XXXX thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

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 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

After opening 4 disputes with JCPenney - Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance!

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 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX keep sending me a {$10000.00} bill and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ), XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX, contacted me on XXXX stating I owed credit card debt from approximately XXXX. They said to stop pending legal action I must pay a small amount now then the entire balance. I paid {$200.00} and provided a credit card number. Since this call I found out, that Household Bank XXXX balance of {$1000.00} was charged off by Household Bank now XXXX XXXX on XXXX and the file did not indicate the debt was not sold to any third party collection agency. My understanding is that the statute of limitations is XXXX  years for XXXX? If so, since the account was charged off in XXXX, XXXX years ago, how can XXXX threaten legal action some 20 years later. XXXX mentioned I made a payment in XXXX, but could not provide the information, nor the original balance due and fees added to total {$2300.00}. Household bank also stated they didnt have any file for me and owe nothing. Im very concerned, what should I do?

Company response to consumer: Closed with explanation