vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I the consumer and Natural Person/Original Creditor was denied the extension of my credit after I gave them my social security number and received no benefits which is proof of fraudulent activity ( unauthorized use of credit card ) which is against 15 USC 1602 ( p ). they are in violation of 15 USC 1642,15 USC 1681 ( m ) and 12 CFR 1002,1002.7 because I the consumer made an application ( in good faith ) but credit was not issued. Averse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692 ( k ). They are subject to Criminally liability for violating 15 USC 1691 as I have proof that I was Discriminated against due to the response I received. They also violated 15 USC 1611 which is public knowledge Criminal liability for willfully and Knowingly give false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued there under. They are criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( m ) and 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I used my XXXX XXXX to send {$1100.00} to my nephew using Venmo. XXXX has this feature where you can send directly from your checking account to a Venmo recipient. It sends the money as a disbursement to the phone number attached to the Venmo acct. My nephew changed his phone number and the money was sent to his old number. Venmo can not apply it because the number doesn't exist anymore and they cant apply it to his new number, even though its him and hes been verified. There is nobody in the world that has the old phone number. It has been recycled by XXXX. Venmo has not gotten back to me regarding how they are handling it. XXXX as well said they cant recall the money back and it's at Venmo. I have been trying to email and call them but we never get any results. Its been over 6 weeks, and neither I or my nephew have the money. Its in cyberspace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : {$2700.00} dated : XX/XX/XXXX and XX/XX/XXXX To Whom It XXXX Concern : On XX/XX/XXXX and XX/XX/XXXX, someone gained access to my accounts through Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As a result, fraudulent charges for {$2700.00} were debited from my bank accounts. As I have my debit card and have never authorized that payment, I believe that my banking mobile app was hacked, and passwords stolen. In the amounts listed below. 

XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX I believe this to be true because my XXXX XXXX was compromised in XXXX. When I contacted wells fargo bank at that time they ran an investigation and it was said to be true. Since that incident, I deleted XXXX XXXX and believed my concerns had been resolved. Unfortunately, now the issue has arisen with XXXX. As a XXXX I have found that my clients prefer using digital money as form to make payments. In light of recent events, I have decided to remove all online banking apps containing money. 

I informed the bank wells fargo on the day of the theft. They have failed to reimburse me or try to understand that I did not authorize these charges. I contacted XXXX and they referred me back to my bank because it was through the mobile app.

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 2023-07-18 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: TX

Complaint narrative:
This is my several request to 3 Three Credit Bureaus to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The account is still reporting to my credit file held by them. This account is opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA. They have failed to verified the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account be corrected by the bureaus from my report 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 2023-07-18 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: NV

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}

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 2023-07-18 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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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 2023-07-18 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This is the account I want to correct and please assist me : XXXX XXXX Balance : {$670.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : 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 2023-07-18 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:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Force information. fraudulent. Account is not belong to me. I did not make these accounts fraudulent..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-18 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:
STUDENT LOANS ARE NO LONGER WITH XXXX  PER XXXX  ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: GA

Complaint narrative:
STUDENT LOANS ARE NO LONGER WITH XXXX PER XXXX ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY 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 2023-07-18 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: NV

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}

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 2023-07-18 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: NV

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX will not release my transcript.I withdrew from on line class.My grandmother passed away as well as I was sick with the flu.I was charged for ebooks that I never once looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-18 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief