vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a letter to XXXX on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept XXXX stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This check was cleared without my endorsement. This was done through Wells Fargo 's " mobile deposit. '' I have made many phone calls to XXXX regarding this issue, and they acknowledge that this should not have been deposited without a signature by both parties at the bank. 

They verbally acknowledged that this is a " loop-hole '' since it was done through their mobile deposit system during the beginning of the pandemic. 

They have never sent me a written statement regarding the outcome, only a verbal statement by their employees that I will have to take the party to court.

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 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MD

Complaint narrative:
On XXXX/XXXX/2022, I called IQ Data International after receiving a letter in the mail saying that it may be possible to negotiate settling my outstanding accounts at a very favorable discount. That evening, I received XXXX letters confirming in writing that if I paid a total sum of {$10000.00} by XXXX/XXXX/2022, that my XXXX outstanding accounts would be settled in full and that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding these accounts. 

I was provided the account information to make a wire transfer and sent the full {$10000.00} owed on XXXX/XXXX/2022. I immediately sent the transfer receipt with confirmation number to XXXX XXXX, the operations XXXX who had sent me the agreements. XXXX did not acknowledge receiving the transfer receipt, so I sent the receipt again on XX/XX/2022 to both of her e-mail addresses listed in her signature. I then proceeded to call the agent I had spoken to on the phone, XXXX, who told me that they had just received the funds from the transfer and my end of day I would have confirmation. 

On XXXX/XXXX/2022, I was sent two letters confirming payment was received in full for both of my account, settling the account and releasing me from further liability regarding obligations to the original creditor. It also reiterated that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding this account. 

On XXXX/XXXX/2022, my XXXX credit history was updated to show that I still owed {$780.00} on one of the accounts. XXXX and XXXX credit histories continue to show that I owe the full balance and do not acknowledge that the accounts have been settled. 

On XX/XX/2022 I sent a copy of the XXXX report and the letter from IQ Data International stating my account was settled in full to XXXX XXXX, requesting an investigation into the matter and corrective action to remove the negative information from all three reports and update the account as settled in full. No response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove negativity of the following accounts completely from my Credit Reports : 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 2022-03-04 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove negativity of the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: AR

Complaint narrative:
I have been disputing alleged accounts since XX/XX/ 2020 and the company has violated my consumer rights several times. I have enclosed my files and exhibits.

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 2022-03-04 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make any charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


Fraudulent/Negative Accounts : XXXX XXXX  Account Number : XXXX Account Opened : Balance : {$330.00} Fraudulent/Negative Accounts : XXXX XXXX ACCOUNT NUMBER : XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX ] XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXXXXXX DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I woud like for this loan to be forgiven because the school I attend XXXX XXXX AKA XXXX school and this school advertised to me that they had a job placement percentage of 80 %. The school was closed due to such claims. So I am requesting that my loans be forgiven. Due to my experience being impacted by such claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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:
Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request TRANSUNION the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXXXXXX Balance {$570.00} XXXX XXXX XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Asked for a card for my box as a user. Came back with cant verify my information from credit reporting company. Funny my number and address is on there. This happened when I asked for a line increase also. So I spent hrs contacting all three credit companies. Also they have my information address phone checking account ect. 
Ive learned this bank can hire US people so the quality of service is a solid -99 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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:
Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX  XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MXXXX )

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 2022-03-04 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:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX XXXX XXXX ( Original Creditor : 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 2022-03-04 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: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: OH

Complaint narrative:
This alleged account with XXXXXXXX XXXX XXXX : XXXX was opened in my name under false pretense this is a demand and comply communication from the consumer and natural person XXXX XXXX, for the sole purpose pursuant to 15 U.S.C 1681c-2 block of information resulting from identity theft now under the FCRA your company TRANSUNION has 4 business days after the date of receipt to comply with this correspondence for this account reported as fraud I will be attaching a copy of my identity theft report, my drivers licenses, a bill in my name and a copy of my social for identification purposes.

This account being reported is a violation of the following codes pursuant to FAIR DEBT REPORTING ACT, FAIR CREDIT REPORTING ACT & the TRUTH IN LENDING ACT 15 U.S.C 1681d ( A ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) Please also understand that these accounts being reported is a violation under 18 U.S.C 1028 FRAUD ANS RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, AUTHENTICATION FEATURES, AND INFORMATION. 

Please note this is not a request for an investigation or verification this is a demand and comply request to block this fraudulent account from reporting. 

The matter pertaining this account Is subject to litigation and will be brought upon every party liable for violating my rights as a consumer for my lack of consent, authorization & knowledge of such fraudulent reporting activities A DEMAND AND COMPLY complaint/dispute was sent to transunion via certified mail on XX/XX/XXXX and delivered XX/XX/XXXX and it contained a copy of my identity theft report, ID and social security card.

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 2022-03-04 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: FL

Complaint narrative:
Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EQUIFAX the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX  - XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} NXXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00} Original creditor : XXXX Balance {$93.00} Original creditor : XXXX Balance {$1100.00} Original creditor : XXXX Balance {$1000.00} Original creditor : XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation