vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent the Credit Bureaus letters on XXXX-22 asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting 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 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.

If, after any investigation 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 investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account

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 2023-01-20 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: GA

Complaint narrative:
This is my sixth 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 alleged fraud or extortion. 
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 2023-01-20 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$70.00}, XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
I applied for an Axos checking account on XX/XX/XXXX. Further information was requested and provided on XX/XX/XXXX. Axos requested a phone call to confirm my identity and this was scheduled with their representative XXXX XXXX on XX/XX/XXXX. I emailed XXXX and did not hear back. 

I sent a secure message to Axos through the application portal and a separate email to their email XXXX on XX/XX/XXXX. In both messages I inquired about the status of my account and informed them a representative had stood me up on a scheduled call. I received an automated email on XX/XX/XXXX informing me my message was being forwarded to the appropriate department for review. I did not hear back from anyone regarding my message. 

On XX/XX/XXXX, I received two secure messages in my application portal within seconds of each other. The first requested a contact number ( which I had provided in my application ) and the second message stated that my application was closed as I did not reply to requested information. 

The customer service of this bank is ridiculous. It impacted me opening a checking account and being able to timely pay bills. I don't know why this bank has such wonderful reviews in business articles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
After I deposited check to my checking account on XX/XX/2023 amount of {$500.00} they hold some of my deposited for couple days n I dont have enough money to pay my rent on time n I have to pay for late fee for rent

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had an account with Wells Fargo since XXXX. During that time I have had several issues with overdraft fees being charged multiple times for the same transaction. Most of the time these have been refunded. But, I recently saw the settlement about fraudulent overdraft fees and I am wondering if some were never refunded. I dont have specific dates or times, as it has been several years.

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 2023-01-20 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: GA

Complaint narrative:
This is my sixth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX XXXX 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 explanation
Consumer complaint received 2023-01-20 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: GA

Complaint narrative:
This is my sixth 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXX  ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$19000.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXX  XXXX Date opened : XX/XX/XXXX XXXX  XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : - XXXX  : {$34000.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX XXXX  : {$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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo charged me a higher interest rate than originally quoted when I applied for a commercial mortgage. The rate quoted was 5 % the actual rate at closing was. 5.5 %.

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 2023-01-20 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my file. 

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 2023-01-20 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my file. 

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 2023-01-20 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXXXXXX 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 2023-01-20 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$70.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My payments to Mohela under the XXXX XXXX XXXX XXXX program have not been accounted for. My paperwork has been erroneously marked as a duplicate, and I cant have anyone take the time to fix it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi good day, please help me to resolvemy problem. I'm using my Paypal Account since XXXX and then one day they send an email that's say 's " You can no longer do business with PayPal ( Ref ID - XXXX ) '' on XXXX XXXX Paypal is the only way that I know to get the payment of my customers. I begging you please help me thank you and godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Depending on timeframe I had multiple issues. First I applied for mortgage refi during Obama, and they took my payments and put them into escrow while letting me go into default without me jnowing. I kept getting notices that I was not making payments but I really was. After months of notices, I figured out what they where doing, and pulled all savings to and pulled that escrow back into getting my loan up to currently. Destroyed my credit. Then I twice tried to refinance and was jacked around for months each. Each paying a fees to see if I qualify which I lost. Then just months later, they call me out of nowhere and want me to refinance. I didn't know what was going on.

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 2023-01-20 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: NY

Complaint narrative:
I've made several attempts to correct items on my consumer report that is inaccurate. 

In XXXX, I sent a mail disputing inaccuracies and I was told items were updated. The items were still inaccurate so I sent another certified mail on XX/XX/2022 delivered XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) asking to look into the matter, but no resolution. 

According to 15 USC 1681e ( b ) a consumer reporting agency required to assure maximum possible of accuracy 15 USC 1681s-2 ( A ) ( 1 ) - person shall not furnish any information if the person knows or has reasonable cause to believe information is inaccurate.

I have repeatedly reached out to Equifax for over a year, with no resolution. My consumer rights that should be enforced federally has been violated. 

I've attached my initial letters ( XXXX, XXXX, and XXXX ) & latest credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had XXXX issues with GM Financial 's auto payment system. Once in XX/XX/XXXX and once again in XX/XX/XXXX. When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by GM XX/XX/XXXX. 
This all shown and recorded on XXXX. 
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with GM Financial. When I informed our lender, they let me know " There is a GM lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my XXXX or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with GM Financial and they seem next to impossible with communicating. I can not access my GM Financial account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other GM XXXX XXXX consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXXXXXXBalance : {$17000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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