vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: AL

Complaint narrative:
I put in a dispute with Experian that something was incorrect on my credit report that it should be deleted because it is incorrect I showed proof to them that what they are reporting is incorrect They have a loan from me from XXXX XXXX listed as a XXXX  loan and XXXX XXXX  does not offer XXXX  loans

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 2022-12-28 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2022 XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from 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 2022-12-28 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received three letters from USBank that they received an application for a credit card on XX/XX/2022. Reference # XXXX. I contacted USBank and spoke with XXXX and advised him that I did not request this credit card. He noted the file and said the frauders have my name, address, and social security number.

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 2022-12-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX I have tried for several months to obtain information on reverse mortgage that I obtained in XXXX to date I have not received a monthly payment amount due, or a balance. Upon inquiry online I have my loan numbers and account number and no documentation, is produced, I ve read where several lenders who have purchased loan but no information to be located., on the alleged loan I have loan number XXXX XXXX  Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have mutiple diagnoses, which are documented by numerous work comp physicians.and the XXXX of Arizona and the Arizona XXXX XXXX. MY HUSBAND IS A PRACTICING XXXX. Also, sustained permanent LIFE XXXX injuries. I also have XXXX XXXX Court Police documents that are prove of attacks by drug dealers on the premises at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. 
When I received a phone call from XXXX XXXX I was under the care of my physicans and was unable to proceed. I informed the mediator XXXX XXXX XXXX and XXXX XXXX on the document I POSESS IT CLEARLY STATES THAT I CAN SEND CORRESPONDENCE TO THEIR ATTENTION NOTING THE ABOVE NAMED CASE NUMBER AND WE WILL REOPEN THE FILE. MY HEALTH XXXX XXXX /XXXX  AND THE XXXX DID NOT ALLOW ME TO FOCUS ON WELLS FARGO FRAUULENT CASE. I WAS UNDER THE CARE OF XXXX XXXX XXXX FOR XXXX AND CONTEMPT ORDERS OF THE JUDGE AND DEFENDING ARIZONA CASE ATTORNEY. MY LIFE WAS MY PRIORITY! WELLS FARGO WAS NOT MY PRIORITY. MY HUSBAND WILL TESTIFY. 

WELLS FARGO XXXX  XXXX XXXX, OR XXXX IS RESPONSIBLE FOR THE ADDTIONAL XXXX  TO MY BRAIN AND BODY WAS RESPONSIBLE FOR ADDITIONAL XXXX TO MY ATTEMPTED XXXX CASE. MY PATIENT DIED IN THE ATTACK. I have a DIAGNOSIS OF XXXX. THE CONTINUAL ADDED STRESS FROM WELLS FARGO CAUSES ADDITIONAL DAMAGE TO MY BRAIN. 
PLEASE TAKE THIS IN ACCOUNT, BECAUSE XXXX XXXX WILL BE ACCOUNTABLE FOR ABANDOMENT AND DESERTION. NEW YORK STATED HE WAS THERE AT THE OFFICE AND NEVER RETURNED MY CALLS. HE HAS DISAPPEARED. 
WELLS FARGO HAS INCREASDED THE INJURIES I SUSTAINED IN BOTH LAW COURT CASES. IF THIS ABUSE CONTINUES I WILL SUPPLY MY COURT DOCUMENTS WITH SOMEONE WHO WILL SUPPORT THE CRIMINAL ACTIVITY USED AGAINST ME. 
THERE WAS A COURT ORDERED AWARD AND I WILL PURSUE REPORTING TO DISABILITY COURTS. 
THIS WILL BE THE LAST INJUSTICE THAT WELLS WILL DO TO ME. 
ALSO, I SUSTAINED INJURIES XXXX 2022.ON A CLINICAL SITE FROM A DISABLED MINOR. WELLS FARGO IS INCABLE OF RESOLVING MY DISPUTES CREATING MORE XXXX TO MY UNRESOLVED CASE OF 4 YEARS. I DO HAVE INCREASED BODILY INJURIES AND THE PI ATTORNEY IS TAKING MY CASE. 
DO I NEED TO REPORT WELLS FARGO ACTIVITY TO THIS PI ATTORNEY? 
I DID NOT NEED MORE STRESS FROM WELLS FARGO. SOMEDAY A LOVED ONE MAY NEED MEDICAL CARE... .REMEMBER YOUR INVOLMENT IN MY CASE.

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 2022-12-28 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: Duvera Billing Services, LLC
State: MI

Complaint narrative:
The name of the company is called XXXX XXXX XXXX however they show up on my XXXX and XXXX report as DUVERA BILLING SERVICES. THEY ARE REPORTING ON BOTH MY XXXX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo issued financing at higher rate off credit report .... credit report was supposed entered wrong. Received letter from Wells Fargo with correct credit score. Contacted Wells fargo... they sent out letter just indicating financing was done with correct credit score.

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 2022-12-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!! 
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear Experian XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
( XXXX XXXX ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to XXXX XXXX XXXX and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of XXXX XXXX XXXX  and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence.. 
You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted XXXX XXXX to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me? 

On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly XXXX XXXX and asked if they will remove the negative item and inquiry from my credit report by letter or by phone. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am? 
Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from XXXX XXXX No Account found via My social security number. 
Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On about XX/XX/XXXX I receive documents from XXXX XXXX. It was a total of ( XXXX ) pages out of those pages ( XXXX ) was repetitive junk pages!!!. The XXXX pages that was left was the Payment History for year XXXX thru XXXX. I don't know why they chose those years specifically. XX/XX/XXXX XXXX XXXX XXXX for ( - {$10000.00} ) was subtracted from this Loan. This transaction was posted for XX/XX/XXXX. The Misapplication Reversal - {$1400.00} date XX/XX/XXXX, posted XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX for ( {$10000.00} ) was added back to the Account. There was ( XXXX ) transaction took place in XXXX. There was ( XXXX ) transaction in XXXX. Misapplication Reversal ( {$7000.00} ) Hazard Insurance ( - {$2600.00} ). In XXXX Misapplication Reversal ( - {$5900.00} ) Hazard Insuranc ( - {$4400.00} ) Misapplication XXXX Reversal ( - {$1000.00} ) Hazard Insurance ( - {$1800.00} ) Hazard Insurance XXXX ( - {$1800.00} ) This is only a small picture as to what my Payment History looks like. XXXX -- -- ( XXXX ) Transaction took place, XXXX -- - ( XXXX ) Transaction, XXXX -- ( XXXX ) Transaction, XXXX -- -- ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transactions???????? Why so many Transaction took place on a long that was refinance in XXXX!!! Why do this Loan have 5 different Loan no. and 4 different FHA no. If anyone think this is a Duplicate question is because I never receive a ANSWER!!!!

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account has been closed for a year now. 
And the bank didnt send me my remaining balance. They keep sending me my bank statement every month, and this year I realize that they tried to take money out of the account even though they said its closed. I had to give them a call so that they can put back the money they charged into the account. 
They locked the account without justifications and no proof of fraudulent activity

Company response to consumer: Closed with explanation