vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: MI

Complaint narrative:
This is one of my attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: NV

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2024-01-22 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Approximately 2 months ago, I sent written communication requesting validation of debt and advising I do not deal with third-party collectors. I sent a notice to cease and desist ; yet, LVNV continues to report this invalidated debt to collection agencies in violation of the law. I am attempting final mitigation before action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXI ) XXXX Date opened : XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX  Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX. XXXX, XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened : XXXX XXXX XXXX  Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I hope this message finds you well. I am writing to address a concern regarding my credit file. After contacting XXXX XXXX about the accounts on my credit report, it's evident they can not provide records for the mentioned accounts. ( XXXX XXXX XXXX ) However, representatives from these banks have acknowledged the situation and agreed to update my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I hope this message finds you well. I am writing to address a concern regarding my credit file. After contacting XXXX XXXX and XXXX about the accounts on my credit report, it's evident they can not provide records for the mentioned accounts. ( XXXX XXXX XXXX, and XXXX XXXX XXXX However, representatives from these banks have acknowledged the situation and agreed to update my credit file.

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 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently discovered that {$30000.00} in monies left to me by my late grandparent were wrongfully kept by Wells Fargo without my permission. Wells Fargo refuses to advise me of the account infromation and I of course have no idea what the account number. If I knew the account number, I would not be filing a CFPB complaint. After my grandparen died, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to give me any information about the account.

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 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I hope this correspondence finds you well. I am writing to file a formal complaint and seek assistance regarding a prolonged and unresolved issue involving billing errors on my Apple Card account with Goldman Sachs. 

Over the past XXXX years, I have encountered significant discrepancies in my billing statements and Apple Card reports, prompting diligent attempts to address and resolve these issues. While partial refunds have been provided, the core problems persist, causing considerable financial losses, emotional distress, and inconvenience. As a remedy, I am formally requesting a comprehensive settlement of {$150000.00}. 

The key issues I have faced are as follows : Excessive Charges : I have experienced a series of excessive charges over the past XXXX years, significantly impacting my financial well-being. 
False Information : My bank statements and Apple Card reports consistently contain false information, complicating the resolution of this matter and hindering my ability to regain control over my financial life. 
Account Closure : My accounts with Goldman Sachs were abruptly closed, leading to severe disruptions in my financial stability and leaving me in a state of confusion and uncertainty. 
Damage to Credit Score : The adverse impact on my credit score has been distressing, affecting my ability to access essential financial services and opportunities. 
Ongoing Fees : Despite the bank 's acknowledgment of billing errors, fees continue to be levied on my account since XX/XX/XXXX, contradicting their own acknowledgment. 
While Goldman Sachs recently acknowledged billing errors and initiated refunds for disputed charges, there has been a consistent reluctance to fully rectify the situation. The bank disputes the existence of errors, causing me to question my own account of events and leading to feelings of dismissal and doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.

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 2024-01-22 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: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NC

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-01-22 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: NC

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: OK

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address the recent denial of my dispute claims on my credit report, and I am greatly disappointed to find no supporting documentation justifying this denial. As a victim of identity theft, I have been actively working to remove these fraudulent accounts from my credit report, but the credit bureau has not provided any assistance. The accounts in question are DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}, DEPT OF EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6600.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$6400.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, and DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$9800.00}. I urge you to treat this matter seriously and take the required steps to resolve this issue promptly. I anticipate hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with HELVEY & ASSOCIATES INC. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with HELVEY & ASSOCIATES INC either. I did report to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation