vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: AL

Complaint narrative:
I have tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) XXXX guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : TXXXX 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 The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, Equifax and XXXX. Meaning I should be getting a check for {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have tried to contact XXXX, XXXX, And Experian concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX  account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : 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 XXXXXXXX XXXX XXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, XXXX and Experian. Meaning I should be getting a check for {$5000.00}.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hi CFPB, For capital one credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and XXXX credit score. XXXX missed payment from the year XXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Velocity Portfolio Group
State: IN

Complaint narrative:
This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$1300.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name address and telephone numbers of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau, and the attorney generals office. Should you continue in your noncompliance of federal law under the fair debt collection practices act, the fair credit reporting act, and the corresponding local state laws. I further remind you that you might be liable for your willful noncompliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : -defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 8078 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 b ) You will be required to appear in a court venue local to me in order to formally defend yourself. 
PS please be aware that depending on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2023-01-29 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid data please correct all information submitted asap.

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 2023-01-29 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: TX

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.

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 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, 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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX percent responsibility of our serious problem -- a monetary loss of {$270000.00} -- has to do with total negligence and lack of red flag controls at XXXX Wells Fargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My wife 's computer was hacked by a criminal fraudster impersonating an XXXX from XXXX XXXX XXXX. This person convinced my wife {$40000.00} was mistakenly put in our joint checking account at the XXXX XXXX XXXX, and further seduced/convinced her to return the funds via wire under potential penalty of arrest if she did not comply. 

The first wire was sent from said XXXX XXXX, to a foreign address. No one at that Wells Fargo branch tried to persuade her not to send it. 

My wife was immediately contacted by the criminal fraudster saying the funds we not received, and they seduced/convinced her to send a second wire. She attempted to do this out of the Wells Fargo XXXX XXXX branch, and thankfully an astute banking professional there talked her our of sending it. 

She was then contacted again, being threatened by this criminal, saying they were not receiving any funds. This went on for a total of XXXX additional wires sent from XXXX separate nearby Wells Fargo branches, until finally Wells Fargo stopped the madness. But, not until {$270000.00} total from XXXX wires went through the Wells Fargo system. All to know criminal addresses. Yet not once did Wells Fargo explain to my wife about what was happening. 

I have written some half dozen registered letters to the CEO and board members of Wells Fargo and have received the most unprofessional, negligent, horrible responses from what is clearly a banking institution that thrives on taking advantage of unsuspecting people. They need to be stopped.

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 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: DC

Complaint narrative:
I reported to the company about the potential problem and issue of the debt to be resolved and removed from credit inquiry the reporting has caused a negative value on credit by discrediting me and lowering my initial credit score in attempt to keep me bondage to their debt procedures I asked for it to be removed and resolved as a result to no discredit me and allow such negative derogatory remarks to keep me bondage

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted XXXX XXXX  and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file 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 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We purchased a vacation home at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$400000.00}. We took the mortgage in the amount of {$320000.00} from Wells Fargo mortgage office in XXXX XXXX  ( no longer here ). Throughout the process we were given a XX/XX/XXXX year mortgage rate somewhere in the XXXX % ( can not recall the details ). A XXXX  of days, right before the closing, we were trapped by the Wells Fargo agent into paying a much higher rate, somewhere in the XXXX % range. We were told that this was what Wells Fargo was willing to offer at that time and could not be changed. We complained verbally trying to get a satisfactory solution to the problem, to no avail. So pressed with the closing deadline we had no choice but to agree to take the higher rate. Since the rate appeared to be still in the " semi reasonable '' rate, we did not press the issue afterwards. Now, I come to find reading the news, that this was a common, '' fraudulent '', practice Wells Fargo was involved in and it has been a subject of federal investigation and consumer settlement. We held and paid the mortgage until XX/XX/XXXX, when we sold the property.There was XXXX rate revision after XXXX years. I am sure the Wells Fargo records will reveal fully support this claim. Any assistance you can render advancing this claim against Wells Fargo will be greatly appreciated. Respectfully submitted. 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
Hi CFPB, Discover bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, Transunion and XXXX credit score. XXXX missed payment from the year XXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi CFPB, For XXXX XXXX XXXX XXXX my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and Experian credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

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 2023-01-29 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: MOHELA
State: FL

Complaint narrative:
Some one did fraud in my name and they agreed to remove with a forgery affidavit but they claim they i did not send my claim in time. that is non sense cause it was certified mail. Can you guys please enforce them remove that fraud information from my file. It is also affecting my changes of getting credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hi CFPB, For chase credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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:
this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted westgate resort and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file 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