vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo reported to XXXX XXXX and XXXX that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from Wells Fargo already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see 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 2023-09-04 00:00:00
Product: Credit reporting 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 715. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX has failed to properly verify my identity in order to obtain my credit report/score. After numerous attempted during the course of several weeks, I have contacted EQUIFAX 's customer service to resolve this issue. I provide the representative with all the information they request, and still can not solve the problem. 

I have mailed copies of the documents they have requested ( Driver 's License, Social Security Card and Utility Bill ) and no matter what I do, they can not fix the issue. My EQUIFAX report can not be accessed by anyone including myself. This presents an issue as I'm in the process of purchasing a new vehicle. Since creditors can not access my report, they will automatically deny me, which further adds to the burden of making a large purchase. 

Additionally, since I do not have access to my report, I do not know what is being reported. If there is any information on my report that is currently erroneous or incorrect, I would not be able to dispute it. 

I've attached all the documents EQUIFAX asks every time I call with hopes that this problem gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Mitchell Bluhm and Associates at XXXX XXXX XXXX ( hereafter XXXX ) are knowingly reporting a medical collection amount ( {$920.00} ) to the three credit bureaus in error. I reached out to the creditor XXXX to resolve this matter and also provided supporting documents through XXXX of proof of payments and the medical bill total is less than {$500.00}. The Creditor continues to report to the bureaus in error as the amount owed is {$920.00}, resulting in a false derogatory mark on my credit report. The medical bill is less than {$500.00}, which means it needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have disputed an Jpmcb account with all three bureaus ; its appears the credit card was opened in XXXX of XXXX  with a credit card limit of {$7100.00} and a negative balance of {$1000.00}. I have notified all three bureaus that I was XXXX  when this account was opened along with documentation from my probation officer. I received notification that the account was verified accurate. It was impossible for me to receive any goods or services from JPMCB during this time frame,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA ACCOUNT # XXXX This charge off account does not belong to me. I have requested on numerous occasions to investigate this matter and Bank of America has not been able to properly process my request. 

The inaccurate information on my credit file by Bank of America has affected my ability to obtain credit and to have the correct information reported by law under the FCRA. Since the information can not be verified, I request that it is removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork per the FCRA. Nothing was done correctly, and the paperwork was not attached to my disputes. And I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX Dept of EDXXXX

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork per the FCRA. Nothing was done correctly, and the paperwork was not attached to my disputes. And I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX Dept of EDXXXX

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 2023-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I went to make a payment of {$24000.00} on XX/XX/23 and got a confirmation email from my company AidVantage. The payment was posted on my account and then a few days later there was a payment reversal from the company and the balance was added back to my loan. All of my bank account information was correct this is an issue a lot of people are having.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 715. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 715. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). 


Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent. 

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA. 

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law. 


Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ).

Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, Credit Strong account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent.

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law.

Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX reported to Trans Union and XXXX that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX reported to XXXX XXXX and Equifax that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
In XXXX of last year, my identity was stolen. I filed a series of complaints with the CFPB on XX/XX/XXXX. My COMPLAINT IDs = XXXX, XXXX, XXXX, and XXXX. I also filed a police report with the XXXX XXXX Police Department in XXXX XXXX, SC. 

The person who stole my identity leased an apartment with the following address : XXXX XXXX XXXX XXXX XXXX, FL XXXX. Last month, my XXXX credit report reflected that I owe {$970.00} to Helvey and Associates, a collections agency, for an unpaid utility bill to XXXX XXXX Florida. This bill is associated with the lease that was fraudulently taken out in my name and is the result of identity theft. I called Helvey and Associates on XX/XX/XXXX to confirm that the charge was associated with the address listed above, and they confirmed this to be true. 

I am attaching the police report I filed in XXXX along with my current credit report and a screen shot of the Helvey and Associates charge.

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 2023-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NM

Complaint narrative:
Greetings. Prior to the pandemic, I was owing {$160000.00} ( XXXX principal and {$15000.00} interest ) in my student loan. I made payment towards my loan during XXXX. The total amount paid totaled about {$78000.00}, leaving me with a balance of {$84000.00}. Due to recent financial difficulties I requested the money be refunded to me as prescribed by the cares act. This occurred sometime around XX/XX/2023 when I was still with Ed financial. The agent I spoke to confirmed my request and said she processed it. She informed me that it will take about 60 days to receive my check in the mail. Shortly after this, I noticed my loan amount had increased back to the previous amount of {$160000.00}, which makes sense as I had requested the payment originally made be refunded to me. 

On XX/XX/XXXX my loan servicer was then switched to XXXX. After the 60 days had elapsed and I had not received my check in the mail as expected, I reached out to XXXX who could not see that I made payments during COVID and that I had requested a refund either. All they could see on their end was that I owe {$160000.00} ( No mention of the {$78000.00} paid prior or refund request that was supposedly submitted ). Because they have no history of my previous payment, they are unable to make any refund request on my behalf. I called Ed financial, and they said they requested the refund, but they are unable to tell me the status of my refund request or what was delaying the check. I even logged into studentaid.gov website which show my previous payment of {$78000.00}, but make no mention of the refund request and reports a balance of {$160000.00} ( Which inaccurately insinuates that my pre pandemic total loan is XXXX + XXXX ). 

It seems like the money I paid towards my student loan has been erased because I have not received my check as requested and my loan balance has returned to the pre-payment amount and no one is able or willing to tell me where my money/ refund is. I keep getting the run around. XXXX is unable to help me because they do not have the full record and Ed financial is giving me the run around. I tried calling the department of Finance, but unable to get a hold of a human on the phone in order to discuss my situation. Can you please assist me by figuring out if my refund was actually and accurately submitted to the department of education. If it was, I need to figure out where and when my refund will be sent to me. If it was not, I need the application resubmitted or have my loan amount updated to {$84000.00} instead of {$160000.00} to reflect payment already made since they are not refunding my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
My wallet was lost at a convenient store someone ended up turning it in. So I stopped by and grabbed it on my way home went to sleep woke up to my account being drained. When i seen thin i checked my wallet and my debt card along with my pin was stolen. I immediately called Chime started a dispute. Since then i keep getting the run around by them laughed at ans mocked daily. I have sent them everything they have asked for and then some. They will denie it but reopen it again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent numerous letters in order to resolve this issue which have all gone unanswered. 

In reference to the following, I requested a proper investigation which has not been done. The inaccuracy of the report has impacted me significantly, and I demand that the information be corrected. 

The following accounts are still erroneously reporting. In accordance with the Fair Credit Reporting Act, it is required to investigate these items and DELETE any and all discrepancies. 

XXXX  XXXX XXXX XXXX This charge off account does not belong to me. 

XXXX XXXXXXXX I was never late on this account. I have made all the payments on time. 

XXXX XXXX I was never late on this account. I have made all the payments on time. 

In compliance with the Fair Credit Reporting Act, which clearly states that any known information that is false can not be reported to any credit bureau. I have been requesting that they be immediately removed but have gotten no response.

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