vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 explanation
Consumer complaint received 2023-08-19 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$580.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2023-08-19 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-19 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: NC

Complaint narrative:
This is my 13th 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 XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-08-19 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: NC

Complaint narrative:
This is my 13th 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 XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX FTOKES AV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$25000.00} XXXX CARD XXXX Balance : {$2000.00} XXXX CARD XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit burea seeking maximum damages.

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 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
Written letters of cease and desist dated XXXX, and XX/XX/2023.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX Card back in XXXX or XX/XX/2023. I was originally sent a letter stating I needed to mail in front and back of my Drivers License, Social Security Card with signature and a current utility bill. The only option in the letter was to mail this information in. After spending money to buy an envelope and a stamp i sent the information in 2 weeks later. I received another email after asking for the same information again. There is no number contained on the letter to even call and talk to someone to understand why I would need to send the information back in. I XXXX  and found a number for a customer service department and was finally able to reach someone and was told my information was cut off and I would need to send it in again. I then asked if there was another method of delivery as I had already spent more money than expected buying a large envelope and stamps. I was provided a fax number as the only other option. Once I had access to a fax number I resent the information, probably 4 weeks after initial application. I had not heard a response and 2 weeks later I called in again and was told I needed to speak to someone in fraud department to clear the application. At no point did Barclay 's try to reach out to me to clear anything. I spent time on the phone where an associate called me on a separate line to ask me some security questions and clear my application. I was told that the application would be approved once another department finished clearing. I then waited another 2-3 weeks and called in again after not hearing anything about my application. I had to go through the fraud department calling me on a separate line again and me answering security questions. I was told my application was being approved and I would receive a card in the mail within 14 days. More than 2 weeks past and I had not received a card. I called in one final time and asked for a Manager. I was told they could not approve my application because it had been more than 90 days and my credit report had expired. This manager then offered me to apply again and told me they now have all of my documents on file. I then confirmed that would require pulling a new credit bureau report which could negatively impact my credit score for an error on their end. She did not offer any other alternatives other than going through the application process again.

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 2023-08-19 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: OK

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I recently received a copy of my XXXX credit report, and i noticed some late payments posted on my credit report : XXXX XXXX Bank. XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-08-19 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I recently received a copy of my Equifax credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX. XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
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, TN XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/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 explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/2023 I changed my bank account information. I went into each credit card app and deleted my old bank account and updated it with the new one. The only card that gave me an issue was Synchrony. On XX/XX/2023, this credit card company took money from my new account and also tried to process a second payment from my old deleted account. I called and discussed this with multiple people through out XXXX. Each person told me it was taken care of which it was not. Then I was told I need to file a dispute which I did. I gave my bank statements showing the processed payment. I received no follow up. I called in XXXX, XXXX and in XXXX my app showed a " purchase '' on XX/XX/2023 for {$110.00}. I have made no purchases on this card since XX/XX/2023. I called and was informed that this was my " missed payment '' from XXXX. They said that my dispute was cancelled because I did not provide the required information. I argued and they opened another dispute. On XX/XX/XXXX I once again gave my bank statement showing the payment and the time stamp from my account when the payment processed. Today, I received another letter saying I have not given the appropriate documentation. I called and was told I need to give a copy of the front and back of the cashed check. I paid through the online app via debit card and there is no check. They have now charged me twice for XXXX. I feel like they committed fraud by trying to take money from a deleted account. They except payment with a debit card but if you dispute something the only way to have it resolved is by showing a copy of a check. This is fraud.

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 2023-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Tried to increase a HELOC amount from $ XXXX to $ XXXX to buffer our remodel and pay off some other debt, but the lender, citizens bank never got back to me until I responded with an email on ( applied in XX/XX/XXXX ) XX/XX/XXXX. I was denied. Filed another application with my husband on XX/XX/XXXX, never heard back until XXXX. So now Ive gotten a few more credit checks and had adversely affected my credit score. Were in the middle of our remodel and now living in temporary housing with our rent being XXXX a month. I begin to look for other banks hoping to find an additional XXXX to cover us. More credit checks. Which affects my score. 

At this point, weve got about {$12000.00} to finish our job. The bank then suspends the XXXX saying that were unable to pay for financial reasons. Plus they had pulled another credit report. Weve been paying our loan as required. 

Went to the bank to see if anythings could be done, but nothing. We had to submit a request form for the $ XXXX. 

We dont and can not live in our apartment until this remodel is completed. 

So were going to be homeless and have a useless $ XXXX apartment sitting there empty. 

Help us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is reporting a charged off/written off on my Consumer Credit Report. This reporting is not accurate. 
According to the IRS website debts that have been Charged off or Written off are treated as canceled or forgiven DEBT for tax purposes, and the related canceled amount is reported to the IRS on Form 1099-C. I would like to bring to your attention that the reporting of a charged-off or written-off account as a debt on my Consumer Credit Report is inaccurate, as canceled debt does not constitute debt owed. 

See attached file.

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