vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
My mother used my ssn when i was under XXXX to open a XXXX phone plan in my name. The debt collector for said phone plan says I owe {$1600.00}. This is impossible as I just turned XXXX last year. I would like this debt to either be transferred to her and taken off of my credit reports to to just be completely free of it altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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 am notifying the CFPB that my identity has been stolen and used for fraudulent purposes. 
When I rst noticed when my identity had been compromised I placed a fraud victim alert on my XXXX, Trans Union and XXXX credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX I still dont have any informationon who this theft is but I will update XXXX when i found who.

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 2023-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This company scams though calling your phone all day., they refuse to stop calling only to get your important information.. Comenity Bank doesnt exist..XXXX XXXX I will be taking legal action to the fullest if the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am trying to get a loss mitigation and I keep getting denied. Now they want me to come up with a reinstatement fee of XXXX dollars by XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The property that I own has an Home Equity Line of Credit XX/XX/XXXX, the borrower is XXXX XXXX deceased on XX/XX/XXXX. I XXXX XXXX XXXX own the property since XXXX of XXXX, I have made the payments on the account, paid property taxes and insurance since XXXX, prior to XXXX XXXX passing away. On XX/XX/XXXX the Home Equity Line of Credit Mature, Wells Fargo Bank demanded the total balance of {$55000.00}. I applied for a loan modification, I provided to Wells Fargo Bank all the documents requested to prove my occupancy of the property, Wells Fargo denies the modification basing the decision in assumptions. On XXXX XXXX, I spoke to XXXX XXXX who advised that in the past prior to applying for the modification I stated that I was not living in the property ( hear say ) XXXX XX/XX/XXXX I received an Appraisal of my property REVS Evaluation Review from Wells Fargo Bank that reads as follows : " occupancy type : owner occupied, As-Is Occupancy : 100 %, Valuation Table : Market Value-Real Estate Only XXXX USD. I have provided to Wells Fargo Bank a copy of the City Ordinance that was adopted by the City Commission in XXXX, the approval change the zoning to the current TOC zoning district ( not a residential zoning anymore is a mix used ). XXXX XXXX advised that now is not the issue with the prove of occupancy, now is the Assumption of the loan, that because of the property not being zone residential anymore, now TOC zoning, probate might not approve the loan modification, that I will be getting a new loan under my name only. On XX/XX/XXXX, I receive a letter from Wells Fargo that reads as follows : " If you are approved to assume the loan, we'll add your name to the loan. Your assuming the loan will not release the borrower 's estate of liability. '' I ask XXXX XXXX about the legal status of my property, I don't want my property to be foreclose, she denies that my property is in foreclosure despite the fact that I have receive in the mail multiple legal advertisement that says my property is in foreclosure, is my understanding that during the process of a loan modification the foreclosure is on hold. I have provided on timely basis all the documents Wells Fargo requested since XX/XX/XXXX when the loan mature, I continue to pay for property taxes and insurance, I have never refuse to pay the loan.

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 2023-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I need my information from my student loans that were transferred to this new servicer.. They have not contacted me with any information regarding, the borrower debt relief refund on my federal student loans. i have updated many files online to the nelnet to help my case, and information to keep my contact information up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: WI

Complaint narrative:
I informed Wisely aka ADP aka XXXX XXXX XXXX XXXX was draining account. 

The wisely card was used for XXXX. 

Wisely aka ADP aka XXXX XXXX XXXX said they sent a card XX/XX/2023 which was never sent or recieved ( Mail Fraud by financial business automatic XXXX to XXXX mil penalty ) I fought XXXX to unlock card, they will argue they opted resolutions but I couldnt at the time due to no cellular service as ADP ( wisely locked my account with XXXX ) I had {$7.00} left after I fought with ADP and waa told 3 hours and we are closing your account for rude behavior on ADP 's clause 13? which I had no clue existed or had access to contract/ those clauses ( fraud there too ) XXXX XXXX XXXX XXXX XXXX XXXX claim my {$7.00} XXXX leftover check was sent around XX/XX/2023 but claims returned ( USPS note from worker states otherwise, double mail fraud on ADP and now XXXX XXXX ) Federal Crimes are Federal Crimes .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received my credit report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/2023 - hard inquiry - XXXX XXXX XX/XX/2023 - hard inquiry - XXXX XXXX  XX/XX/2023 - hard inquiry - XXXX XXXX XX/XX/2023 - hard inquiry - XXXX XXXX XXXX XX/XX/2023 - hard inquiry - 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX  Account status charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX. XXXX Past due {$360.00} XXXX XXXX XXXX  # XXXX Account status charge off Date opened XX/XX/XXXX Past due {$480.00} XXXX XXXX  XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} Experian XXXX XXXX XXXX  Date opened XX/XX/XXXX Past {$360.00} XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$350.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Past due {$1200.00} XXXX XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$360.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$480.00} ARS Account status collection Date opened XX/XX/XXXX Past due {$0.00} ( FCRA ) 15 U.S.C. 1681 and Following ) Creditors or collectors are not allowed to report an accurate information to your credit reports under the Fair credit reporting act. I would like all 3 agencies to remove these accounts off my report as soon as possible. And would like to receive a full report of the investigation from sub parties in original creditors.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: NV

Complaint narrative:
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Credit plus did a hard pull on my credit report. Continues to do a hard pull without my knowledge or permission.on a monthly basis. 
XX/XX/XXXX XXXX XXXX did a hard pull without my knowledge or permission. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Xactus did a hard pull without my knowledge or permission. on a monthly basis. 
XX/XX/XXXX CIC Mortgage Credit did a hard pull without my knowledge or permission. 

I have given two companies permission to pull my credit. XXXX XXXX and XXXX XXXX XXXX XXXX as I was in process of buying a house when my score dropped XXXX points due to this and I was no longer able to carry out the purchase of a home. 

In addition to this my ex husband has been allowing his wife to use my name on medical bills and to sign my name again with out my permission or knowledge. I am getting medcial bills of his and they are counting against my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I recently received a letter stating that my information was compromised back in XXXX with the division of family services. i reached out to credit beauras and i was told that all had been verified. credit inquiries are still showing up and i have put a fraud alert on my credit. they keep running my information through the same companies, seeing that its really hurting my credit..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I recently put in my complaint this is XXXX XXXX I accidentally said XXXX and my data was compromised with XXXX.my email is XXXX I didn't put my number XXXXmy next complaint is with credit acceptance I called them repeatedly over the years and explained to them I had a disaster fire and 4 years later they say I owe XXXX XXXX XXXX blew up XXXX the winter storm that's where I lost everything they seem to have no regards.i think this is so unfair and they won't do anything to help with the situation.fema had to help around XX/XX/XXXX in XXXX Texas where I had to relocate XXXX.Right before that in XXXX I was informed that my identity was stolen and fraud was committed so I went to XXXX police station to file charges as well as get a police report.due to the fire I lost everything no paper chase.as of today my information is still being used I was informed my information is on dark web and will remain there.im unable to get my id social security card birth certificate.please help in anyway possible.im fighting with my bank because my money was stolen from my XXXX online account XXXX and I was incaserated in XXXX county from XXXX XXXX XXXX transaction has been made during that time over XXXX XXXX dollars.please let me know what I can do thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: NV

Complaint narrative:
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Credit plus did a hard pull on my credit report. Continues to do a hard pull without my knowledge or permission.on a monthly basis. 
XX/XX/XXXX XXXX XXXX did a hard pull without my knowledge or permission. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Xactus did a hard pull without my knowledge or permission. on a monthly basis. 
XX/XX/XXXX XXXX XXXX XXXX did a hard pull without my knowledge or permission. 

I have given two companies permission to pull my credit. XXXX XXXX and XXXX XXXX XXXX XXXX as I was in process of buying a house when my score dropped XXXX points due to this and I was no longer able to carry out the purchase of a home. 

In addition to this my ex husband has been allowing his wife to use my name on medical bills and to sign my name again with out my permission or knowledge. I am getting medcial bills of his and they are counting against my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
I received letters regarding denial of credit applications which I don't recognize, on XX/XX/XXXX ( Stellantis ) and XX/XX/2023 ( XXXX XXXX ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application. 
On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( Stellantis and XXXX ) are part of 8 companies. 
Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.

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