vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: CA

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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} CXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2023-02-10 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-10 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
wise XXXX has closed my account for no reason, when i try ask them and send many mails no one answer, my account been created long time, and all was good until now, they close it for no reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: CA

Complaint narrative:
Signed up for Klarnas hardship program. None of their representatives stated the programs terms other than I wouldnt be able to use Klarnas services while on the program. The second to last time I tried to renew the hardship program, the representative renewed it for certain purchases. I inquired why he did not renew it for my other purchases and he said to wait until the payments are due/the hardship expires and then to contact Klarna again XXXX I did what I was told and waited. I was not worried since he did not indicate there was any issue. Then, I contacted Klarna again to renew the hardship program for the remaining purchases and was suddenly told that I could no longer do that. They said there was nothing they can do even though their employee mislead me to believe that everything would be fine. Now multiple payments are overdue and theyre threatening to send payments to debt collection and also have sent 3 of the bills to debt collection. Their only response is that they will train their employees better. That does not help the customers who were told the wrong information and are now getting threatened with debt collection! Especially since your employee was the one who said to wait and not to worry!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the Gramm LeachBliley Act for causing to disclose customer information of a financial institution relating to consumers.

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 2023-02-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern I have been monitoring my 3 main credit reports with the intention of trying to improve my credit and maintaining a fair to good score from all three bureaus. There are 2 accounts that have been disputed and taken off my XXXX score/report, however they still appear on my XXXX and Equifax reports XXXX I believe my privilege of challenging/disputing said accounts are being ignored from the two agencies, which are resulting in inaccuracies in all 3 reports/my FICO score. 

I don't believe XXXX or Equifax are making any solid efforts to resolve this, as I have disputed both accounts with both agencies recently and yet they are still on my reports. Under 15 U.S.C. Sec 1681i ( a )?, they discrepancies must be proven to be accurate, or they must be deleted. 

The said accounts are XXXX XXXX XXXXXXXX XXXX in the amount of {$62.00}, which was disputed and removed from XXXX in XX/XX/22. The other account is XXXX XXXX XXXX which was disputed and removed from XXXX back in XX/XX/22. I have provided snapshots of all 3 credit reports for review. 

I have talked with an attorney friend of mine of this, and she believes my Fair Credit Reporting Act right are being violated, specifically Sec 15 1681 section 602. A ( which states a right to privacy ) and also section 604.A, section 2 ( which states a consumer reporting agency can not furnish an account without my written consent. ) I have filed a previous complaint to your agency about XXXX, your complaint ID # XXXX. I'm writing this as a new complaint and supplement to that complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: FL

Complaint narrative:
I reached out to Equifax about the inquiries that was showing on my report.. the representative informed me that they had to do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: PA

Complaint narrative:
Fraudulent Account Are Reporting to My Credit Report. These Negative accounts are holding my credit report down.

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 2023-02-10 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: PA

Complaint narrative:
Fraudulent Account Are Reporting to My Credit Report. These Negative accounts are holding my credit report down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX I was contacted by XXXX XXXX XXXX, XXXX about a charged off credit card with Synchrony Bank/ Care Credit XXXX They were trying to collect {$8100.00} I wrote back to the company asking for debt verification within the 30 days. I also asked them to not contact me by phone, email, social media but to communicate with me only in writing. 
XXXX never answered my debt verification request but continued collection efforts by mail and also by calling me 2-3 times a day. In XX/XX/XXXX they sued me, although the debt was never verified. They reported inaccurate information to the 3 Credit Bureaus and when I filed a dispute they refused to update the account as disputed.

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 2023-02-10 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: PA

Complaint narrative:
Fraudulent Account Are Reporting to My Credit Report. These Negative accounts are holding my credit report down.

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have disputed twice some transactions that i did not authorize. the first time wasn't even filed so i did XXXX again and filed a complaint for not filing the disputes. i have been waiting to be reimbursed for 3 years now

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 2023-02-10 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: DE

Complaint narrative:
Unauthorized Inquiries Appearing On Credit Report. 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: DE

Complaint narrative:
Unauthorized Inquiries Appearing On Credit Report. 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 2023-02-10 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: IN

Complaint narrative:
I have unauthorized inquiries and a fraudulent account on my credit report. 


Inquiries XXXX, XXXX XXXX Account 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 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complaint XXXX  and XXXX  to XXXX and PennyMac XXXX XXXX XXXX On XX/XX/2016 I entered into securities transaction with undisclosed to me XXXX XXXX  who was acting via chain of sham XXXX XXXX XXXX XXXX who acted under name of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX which was renamed by XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX registered by XXXX XXXX as a single member LLC Another undisclosed to me part was originator XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX whom actor for hire XXXX XXXX, XXXX forwarded my information via secured website MSP I did not know anything about XXXX involvement as a services or its fictitious company XXXX or originator XXXX XXXX  As the result of this deception I signed promise to pay XXXX and mortgage to give XXXX access to my property as a collateral On XX/XX/2016 XXXX servicing hired XXXX XXXX XXXX XXXX XXXX to send me letter on XXXX  letterhead informing that XXXX dab XXXX  is my new serviced and directed me to send money to XXXX XXXX in XXXX TX XXXX XXXX where my money were collected and processed by XXXX, XXXX owned by XXXX XXXX, XXXX who deposited my money with XXXX  XXXX XXXX, owner of XXXX XXXX XXXX and XXXX XXXX who is a the 100 % owner of fictitious corporation PennyMac XXXX XXXX, XXXX incorporated as a separate entity by XXXX XXXX as a single member LLC On XXXX XXXX XXXX sent me a letter that my loan was transferred to XXXX XXXX dba PennyMac XXXX XXXX XXXX I started receiving letters and billing statements from XXXX, XXXX on XXXX XXXX company letterheads directing me to mail payments to the same post office in XXXX Tx where my money were collected and processed by XXXX without any references to XXXX XXXX XXXX XXXX to mention, PennyMac XXXX XXXX  XXXX co XXXX who fully own XXXX XXXX PennyMac is owned by hedge funds XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX died, but XXXX continued to demand from me money on his behalf On XXXX XXXX XXXX XXXX managed to initiate foreclosure in my home When I offereda total payoff for my alleged loan, XXXX XXXX directed me to send my full payment to XXXX XXXX XXXX in the account which routing number belongs to XXXX XXXX  XXXX XXXX, and without any return address to PennyMac XXXX services XXXX except a XXXX  XXXX rented by XXXX In XXXX XXXX XXXX XXXX hired lawyer XXXX XXXX who submitted claim in his behalf I want to clarify how XXXX XXXX XXXX issued directions to chase and how lawyer XXXX is going to deliver him my money? 

I found an alternative financing and want to pay my alleged debt in full if XXXX XXXX will provide me warranty of ownership of my alleged debt signed by an individual officer who can verify this ownership and give me a copy of account receivable from PennyMac loan services , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was informed to reach out. I had a loan that I paid off for my XXXX XXXX that I purchased in XXXX when I got back from my tour in XXXX. 

The loan was from Wells Fargo. I recently read an article that they are paying people back who had auto loans through then between the years is XXXX - XXXX for increasing interest rates and various other reasons. 

I wanted to see if I was eligible for any return or payment during the time I had my loan and paid it off. 

XXXX XXXX XXXX Thank 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 explanation
Consumer complaint received 2023-02-10 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: IN

Complaint narrative:
I have unauthorized inquiries and a fraudulent account on my credit report. Inquiries XXXX, XXXX XXXX Account 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 2023-02-10 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: IN

Complaint narrative:
I have unauthorized inquiries and a fraudulent account on my credit report. Inquiries XXXX, XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
ongoing nothing settled, breach of contract not paying property taxes, unfair banking, ect. So much distress this is not addressed to, second complaint. Paying property taxes that they are responsible for., along with penalty 's. Constant notification from tax collector.latest one is upset sale, delinquent real estate taxes. Wells fargo should be held accountable

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the courthouse and was told that they did not report a bankruptcy to the credit bureaus but yet all three bureaus are reporting it. I have disputed this issue several times with no resolution.

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 2023-02-10 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2023-02-10 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the courthouse and was told that they did not report a bankruptcy to the credit bureaus but yet all three bureaus are reporting it. I have disputed this issue several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: PA

Complaint narrative:
I have unauthorized inquiries and two Fraudulent Collections appearing on my credit report.

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