vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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:
A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make payments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this. 

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I'm requesting a re-investigating. I just received my TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please Give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX XXXX XXXX XXXX XXXX  Do not send me any stall tactic letters. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Forgot about an account I opened XX/XX/XXXX after death of my husband. I am and have always been the sole owner of the account. I drove to a local branch to find out what happened with my account. I have all original opening documents. 

XXXX XXXX XXXX : talked with XXXX and she said she would do research. She made copies of my original paperwork. For 2 months she tried to find information then there was nothing else she could do. They said to get a subpoena but no instructions on how or where to get one or where to send it. Since I am and have always been the sole owner of the account, it is confusing. 

2. I looked on State lost funds information for XXXX XXXX XXXX finding nothing there. 

3. I called my local District Attorney 's office and he said subpoenas are only for getting other peoples information and they dont issue such a subpoena. He talked with his wife who is a bank manager and she said it makes no sense why they asked for such and did not know how to proceed. 


XXXX XXXX, XXXX. Called the main branch located in XXXXXXXX XXXX and talked to XXXX. She had no idea what to do. I asked for the legal department phone number to find out how to proceed. She said they do not have that information. 

XXXX. XX/XX/XXXX. I called Federal Reserve and they told me they didn't understand why I needed to get a subpoena either and there is no information on a sole owner needing such. So I was told to file a complaint. 

6. I talked with another banker of another bank locally to see if they could help me know how to proceed, they also said it made no sense and couldnt give any ideas on what to do next except file a complaint. 

XXXX. XXXX, XXXX. I found an email forma subpoena intake for Regions Bank and sent an email but there has been no receipt acknowledgment nor reply. 

XXXX. I also sent an email to a local news person who sometimes helps with banking issues but no reply. 
XXXX. XXXX XXXX. I also contacted another Regions main branch in XXXX and talked with XXXX and she did research and filled out 7 different times the forms they requested. They finally responded with same thing need a subpoena but no instructions nor information on how to get one or where to send it to nor why it is needed for a sole owner of an account to find out about my own account. 

I really would appreciate help finding out what happened to my account and my money. It is very disappointing that my bank whom I also have another active account for over 20 years has not resolved this issue for me. Please help me. Thank you so much.

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 2024-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They have ruined my credit, I have asked them for statements, proof I opened this account and they have failed to provide this to me for2 years.

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
This company after years of me requesting proof that I opened this account, They have not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information I've identified on my credit report that needs to be deleted from my records immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/XXXX, I transferred USD {$11000.00} ( XXXX XXXX ) through Wise to my mothers account in XXXX. Wise received my money on XX/XX/XXXX. On XX/XX/XXXX, Wise sent me an email stating Your transfer [ XXXX ] is complete on our page, but hasnt been paid out by our partner yet. This is because your transfer has reached one of the verification thresholds for sending to XXXX. and requesting additional information/documents to complete the transfer, to which I complied by sending a statement declaring its a donation to my mother. I also submitted XXXX forms of government photo IDs ( Drivers License and XXXX passports ) and a birth certificate. After 2 days, on XX/XX/XXXX, I called Wise to know why the money has not been sent. Although the money has been withdrawn from my account by Wise, the amount has never arrived to the account destination. And yet Wises app and website states that the transfer was successfully sent to my recipients bank on XX/XX/XXXX - how could the money have been received by my mother on XX/XX/XXXX if by XX/XX/XXXX I got an email from Wise stating that my transfer hasnt been completed and my documentation had only been accepted by XX/XX/XXXX? Wise then asked me to send my moms bank statement from XX/XX/XXXX to XX/XX/XXXX to prove that no money has been received by her - I sent the bank statement and have not heard from Wise since. I told Wise to either actually complete the transfer or provide me with a full refund. On XXXX, the Wise account informed me that once a transfer completed, we cant cancel it and refund it to your account - according to Wise, my transfer has been completed and yet no money has been sent to my mother and her brazilian bank is also unable to locate any deposits with the information provided by Wise. I called Wise and they dont provide a protocol to track my case- all they say is that it has been escalated to the proper department, which might take several business days to respond. Over email, it is also taking a long time to get a proper response. As mentioned, I want the money to either be actually sent to her or for it to be fully refund to my account. Wise cant simply claim a money has been sent without providing any proof. I am not happy with their resolution so far and need help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to complain to BK OF AMER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-04-11 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from CCS ( Credit Collection Services ) stating I owed a debt in the amount of {$1900.00}. The letter instructed me to go to their website and submit the dispute form if I required the debt to be validated. I did this on two separate occasions. I never received any response from them. They went ahead and reported the debt to the credit bureaus. I called CCC on XX/XX/24 at XXXXXXXX XXXX. to discuss the debt. The customer service representative informed me that they did receive my request for validation and made a note on the account that I disputed it but that they were not required to do anything further. She informed me they did not look into the debt further and would not be doing so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The TransUnion web page XXXX XXXX XXXX XXXX XXXX  for placing Fraud Alerts on my TransUnion account has been non-functional for more than 6 months.

I've called them about the issue, but I still can not place/extent our Fraud Alerts on their web site. I was only able to do so by calling them. I've told them about the issue and the web page is still not fixed. See the attached picture that shows the broken page. It has been so for more than 6 months for me.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management also known as MCM keeps calling my cell phone number. In the past they would leave voice mail messages. Now they call from different numbers, even on the weekend. 

I do not owe a debt to any debt collector yet they keep trying to contact me by phone. If they believe I had a true debt they should send me a letter in compliance with the federal Federal Debt Collections Practices Act and its Florida counterpart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF INQUIRIES ON MY CONSUMER REPORT XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NJ

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF INQUIRIES ON MY CONSUMER REPORT 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

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 2024-04-11 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: Nelnet, Inc.
State: TX

Complaint narrative:
A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make p
ayments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this. 

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: VA

Complaint narrative:
XXXX XXXX XXXX has reported that this is in the court -court name XXXXXXXX XXXX XXXX Docket number XXXX month filed XX/XX/XXXX XXXX XXXX XXXX Docket number XXXX month filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name USBK court Eastern Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies

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 2024-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief