vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I looked at my credit report I noticed some things that are incomplete and Not accurate. i had already told/send letters to all XXXX bureaus about this yet they have not done anything the investigation is completed and still the items remain i feel like a victim of the system now that i am learning about the credit bureaus ways and how they make money off us, so i figured its in they best interest to use my info how every they want to. but i learn according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. to These accounts Creditor : XXXXXXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX XXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX Account # : XXXX Creditor : XXXX XXXX  Account XXXX : XXXX Creditor : XXXX XXXXXXXX Account # : XXXX Creditor : XXXX Account # : XXXX Creditor : XXXX XXXX XXXX Account # : XXXX Creditor XXXX XXXX XXXX XXXX 
Account # : XXXX are not complete and accurate, According to 15 USC 1681s-2 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am beyond in disbelief that wellsfargo as my original loan in mortgage and line of credit. Could sell my first mortgage to a sister company that has all ties to them XXXX. Then my second loan is still with wellsfargo I have had issues with my mail. I never received any of the letters you sent to XXXX the company you sold my first loan. I had to declare bankruptcy to even try to get information since I was ignorant to the process I expected my bank to guide me and let me deal with one person. From the original day I asked wellsfargo for help I got so many different team members that by the time I had my information on how wellsfargo wanted it I was foreclosed. Wellsfargo originally had my first and second loan and through the attorneys find ways to not help us as people who are truly in duresss. XXXX hit us so hard family died your own representatives give wrong information on dont worry dont pay we can help. All to make us go under when we realize the amount we owe is totally triple thanks for being proud of taking a home from a mom of three. If you planned on helping you dont sell the loan and act like you cant sell the second loan. I will hire an attorney this is corruption!

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 2024-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX reports a $ XXXX charge from XXXX on my credit report. I do not have this credit card nor have I made a purchase on that site. I am not sure how to prove that I dont have something.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Listed below are the only personal information that should be on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/2024 I received a notification that there was an inquiry on my behalf that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of XXXX XXXX breach and my information was compromised. You are reporting inaccurate and unverifiable information on my consumer report. please reinvestigate the account and remove immediately. 



I Declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes A FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under 18 U.S.C. 1621 This item found within my credit report is not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character and has severely affected my livelihood.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I reach out to XXXX to investigate the XXXX account and why is it in my account when I have no knowledge of this account and I never open this account and they told me to reach out to the XXXX company which I have and they have no information about that account and they arent able to send me a letter due to having no account open that is XXXX under my name and Im so confused why is it taking so long to get it off my credit? I called several numbers and no help at all. So please help this is hurting my credit and I need to have it removed.

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 2024-02-16 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
on XX/XX/scrub>XXXX  I filed an ftc report concerning inquires that i did not consent to, authorize nor benefit from. FTC report number XXXXaccording to FCRA 605B THIS INFORMATION MUST BE BLOCKED IN 4 BUSINESS DAYS FROM THE RECEIPT OF THIS COMMUNICATION. As of today the iquiries are reporting on EQUIFAX, XXXX and XXXX. ON XX/XX/year> I called XXXX and spoke to XXXX in the fraud department she said XXXX did not recieve the FTC report and it would take 7-14 days to remove after receiving the documents. Atttached is original letters sent to EQUIFAX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
on XX/XX/year> I filed an ftc report concerning inquires that i did not consent to, authorize nor benefit from. FTC report number XXXXaccording to FCRA 605B THIS INFORMATION MUST BE BLOCKED IN 4 BUSINESS DAYS FROM THE RECEIPT OF THIS COMMUNICATION. As of today the iquiries are reporting on XXXX, XXXX and EXPERIAN. ON XX/XX/year> I called XXXX and spoke to XXXX in the fraud department she said XXXX did not recieve the FTC report and it would take 7-14 days to remove after receiving the documents. Atttached is original letters sent to XXXX, XXXX and EXPERIAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler felt and other companies are trying to make me pay debt that doesn't belong to and I don't recognize. I tried many times to let these people know that that person wasn't me they keep harrasing me with documents of a similar name as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Please promptly erase these inquiries, as I lack any information about them, and the company carried them out without seeking my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please promptly erase these inquiries, as I lack any information about them, and the company carried them out without seeking my approval.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I took this line of credit out in 2022 with " XXXX XXXX '' aka XXXX. A critical part of XXXX 's advertising was " no credit check '' and no harm to your score, also indicating there was no reporting to the bureaus ( positive or negative ). 

I have paid off this loan several times over the life I've had the line of credit and maintained a positive payment history for more than a year, none of which was ever reported to the bureaus for my own personal credit gain. 

While I had a hardship at the end of the year, I missed my payment to XXXX. To my surprise, despite their misleading advertising, XXXX has reported my late payment to Experian, causing a XXXX point drop in damage to my personal credit. The real kicker is they didn't report all the other positive payments and have opted to violate FCRA by incorrectly reporting payment a complete history. 

During my hardship, I also reached out to XXXX to inquire about no accrual for interest and I was informed they never stop charging interest, even in times of hardship. 

As a federally regulated bank, XXXX XXXX diva XXXX needs to follow guidance of putting loans into a nonaccrual after 90 days.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I filed a dispute more than a year ago and won. But now the same bill is being reported to the same credit bureau, Experian. I disputed it again this week but Experian ruled against me this time. How can they favor me for a whole year and then let the same company damage my credit score over again? Its like being tried for a criminal case twice. I need you to contact Experian and tell them to take it off of my report again.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Listed below are the only personal information that should be 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
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Listed below are the only personal information that should be 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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:
XXXX XXXX has acknowledged an account opened on XX/XX/year> in my name using a forged ID, Forged SSN and false bank account information. They have given me XXXX letters stating this My problem is with Experian, They keep telling me they are taking care of it, but they do not. They are happy to take my monthly membership fee and not actually do anything at all except give me excuses. 

XXXX account number XXXX, that XXXX has closed and verified twice date opened XX/XX/year> for {$83.00}

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been experiencing identity theft with bank accounts with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I have managed to successfully close the accounts opened but I need to have mailings or correspondents ceased from wrong addresses or previous addresses. 
I have already filed my identity theft report with the FTC.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have been experiencing identity theft with bank accounts with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I have managed to successfully close the accounts opened but I need to have mailings or correspondents ceased from wrong addresses or previous addresses. 
I have already filed my identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
There is a dispute regarding my account XXXX XXXX XXXX XXXX. The reasoning for this letter is, I have been charged twice in my account as you can see in the following statements. 2 days before my auto payment, I paid the full statement amount of XXXX cents as of XX/XX/year> with my XXXX debit card, the reference number is ( XXXX ). 2 days later, debited from my auto payment XXXX dollars from my XXXX XXXX  account, Reference number ( XXXX ). I found it not correct because I have paid the statement amount in full as of XX/XX/year>. XXXX. I contacted XXXX XXXX XXXX XXXX XXXX in regards to the auto payment of XXXX dollars, and the representative stated the error made by the shop your way master card system and acknowledged the mistake made from their side. The representative advised me to contact my bank XXXX XXXX  to reverse the auto payment because I had already paid the amount in full 2 days before the autopayment was scheduled. I then realized the following month XXXX XXXX is charging me the reverse payment of XXXX dollars in my account statement. I have called XXXX XXXX in regards to this matter and spoken to XXXX in regards to this matter.

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 2024-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qualify Loan Service Corp each refused to provide a correct monthly statement and correct billing amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My attorney subpoenaed Wells Fargo on XX/XX/XXXX, for bank records of Safety Deposit Boxes that were closed on XX/XX/XXXX as per a customer visit summary depicting that a non account owner accessed and closed boxes. After XXXX and a half months Wells Fargo declares that the records can not be found on boxes as to how they were accessed or closed. XXXX box completely missing all records 5 months after closure, XXXX box missing records on how accessed and closed.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I'm requesting that validation from LVNv funding llc I also need to see a forward flow agreement of this alleged that.

I need to see my signature with LVNV funding proving I owe this alleged that to this company.

See documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with them XXXX XXXX XXXXXXXX XXXX, they did not provide me with the contract as I requested

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