vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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 by the consumer. 

A copy of my Bank statement, drivers license, and XXXX Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-02 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: CA

Complaint narrative:
I've contacted DEPT OF EDUCATION/XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed aslate on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX/XXXX  # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX/XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank refuses to credit back my checking account with a total amount of {$990.00} from XXXX transactions I DID NOT make neither authorized on XX/XX/22 all made on the same day. XXXX transaction for the amount of {$240.00} another {$370.00} last one on that day {$370.00}. Total amount {$990.00}. 
A dispute was opened and a new checking account # was given on XX/XX/XXXX. 
The investigation was done and the outcome according to them is that I made those transactions. 
On that day as I explain to them as well when they made those transactions I was severely sick in bed the entire week at home with extreme XXXX pain, temperature, not feeling well at all, was all day sleeping. I had previously had an XXXX XXXX and was XXXX from hospital around a week before that happened, my XXXX went wrong reason why I was home sick after being XXXX right on the same days they made those transactions. I explain to them all this. 
Also, 2 days after the transaction I was in the hospital again having another XXXX. How could I have done those transactions being extremely sick. 
Im starting to believe that Wells Fargo bank is who did those transactions on my behalf.

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 2022-06-02 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: CA

Complaint narrative:
I've contacted DEPT OF EDUCATION/XXXX  & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed aslate on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/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 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I opened 24 month interest free promotional account for the purchase of appliances. I made minimum automatic payments which I thought would pay off the loan in 24 months but that wasn't the case. Also I did not receive my appliances until XXXX so I thought that is when the promotion began. Again that was not the case. So when I received a gigantic interest charge on my account in XXXX I called customer service to find out why. The customer service rep told me that if I pay off the principal by XX/XX/XXXX I would not incur any interest charges. I called XX/XX/XXXX ( today ) to pay off my principal. I spoke to XXXX who listened to the call between XXXX and I and she told me I was given misinformation. That I was lied too. So now I have 30 % interest on the original loan for 2 years that I can not pay. It is predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY for committing identity theft. I have never given AD ASTRA RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me Or furnishing items to my consumer report about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from AD ASTRA RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTA RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TX

Complaint narrative:
Inquiries are being furnished on my consumer report that I did not authorize nor consent too.

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 2022-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquiries are being furnished on my consumer report that I did not authorize nor consent too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone stole my husbands wallet because he has XX/XX/XXXX. 4 months later the thief went to the bank with a paper check and Wells Fargo cashed that check even though we reported the crime immediately. They assured me that no one would withdraw any money since we had reported. They cashed a check and when they realized the account that apparently paid my husband it was a closed account they took the money from our account. I filed a complaint and they close it without returning my money. A week after that they cashed a second check for a higher amount. Were out XXXX plus overdraft fees. They refuse to reimburse my money even though it was their fault. They refuse to reopen the investigation. We need help.

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 monetary relief
Consumer complaint received 2022-06-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Fair Collections has violated in multiple ways. 
15 USC 1692d ( 2 ) The use of Obscene & Profane language 15 USC 1692c ( a ) Without the prior consent of a consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with any debt. 

15 USC 1692b ( 5 ) not use any language symbol on any envelope or in content of any communication effected by mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX, and a card linked to my Paypal card number ending in XXXX that I don't know about Paypal told me is under my name and under XXXX Bank. Still, I want y'all to verify if it is under my name and under that bank or tell me the person 's name and what bank it is under ; my PayPal account email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Bank XXXX XXXX, Account # XXXX, has violated my rights. 

2 ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights 3 ) XXXX XXXX XXXX XXXX XXXX ( OriginatorXX/XX/XXXX ), Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
In XX/XX/2022, the mortgage company disbursed {$8700.00} in property taxes from escrow erroneously ( they paid the taxes that were due, then later paid nearly $ 9k for no reason ). I contacted the mortgagor in XXXX to alert them to the issue and have called three more times since then. Even after four contacts, the issue is not resolved but I continue to be reassured that they are working on it. They claim to be waiting for the payment in error to be refunded by the tax authority before my escrow account is adjusted. The mortgagor conducted an escrow analysis in XX/XX/2022 and claims that I have a shortage of {$8900.00}, which is mostly due to the property taxes paid in error. They now want to increase my payment as of XX/XX/2022 to cover this " shortage. '' At this point I have no confidence they will resolve this by my XXXX payment date, and whether or not they get money back from the taxing authority isn't my problem because the " shortage '' is due to their mismanagement. I feel like an inquiry from the CFPB is the only way this will get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: NC

Complaint narrative:
Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXX to file a complaint as well.

Company response to consumer: Closed with explanation