vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: MD

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: 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. 

XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account XXXX XXXX those account above 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 2023-04-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove all of the unauthorized inquiries attached to my consumer profi le. My consumer rights hasbeen violated and my character is being tournished according to 15 us code 1681b. I am requesting itremove within 15 calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove all of the unauthorized inquiries attached to my consumer profi le. My consumer rights hasbeen violated and my character is being tournished according to 15 us code 1681b. I am requesting itremove within 15 calendar 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 non-monetary relief
Consumer complaint received 2023-04-02 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: 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. 

XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account XXXX XXXX those account above 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 2023-04-02 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: Experian Information Solutions 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. 

XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX those account above 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 explanation
Consumer complaint received 2023-04-02 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am so tired of explaining to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and others. WELLS FARGO conspires with these companies to commit fraud because they have been provided settlement, have discharged and have been provided settlement again. Since lying WELLS FARGO employees want 60 days to investigate something they have investigated many times in the past, according to the Fair Debt Collection Act they are supposed to take the disputed item off the credit report while they investigate. I guess WELLS FARGO makes the rules, I guess they don't have to follow the law, I guess XXXX money can buy you anything! When are you going to stop WELLS FARGO from damaging the people! They have killed me in commerce, financially slaughtered my character, economically held me hostage until I have suffocated and now my vessel in commerce is dead. How am I supposed to live? I am a living woman who has the same right to live in peace on my own land but WELLS FARGO continues their deceitful tactics and their conspirators XXXX, XXXX, XXXX, and XXXX help them perpetuate the fraud. 

According to United States Code Title 15 Subsection 1601-1666 Pertains to WELLS FARGO 's bad banking practices. 

Consumer Law - 15 USC 1602 ( I ) Credit Card - used my Social Security Card as funding to pull credit, so what has WELLS FARGO lost? They are liars!

Truth in Lending 15 U S Code 1605 Determination of Finance Charge ( what they aren't telling you ) - Finance charges should be provided separate from the rest of the document, but you WELLS FARGO loves small print and comingles all the charges together. 

ANY transactions that I have ever done with WELLS FARGO have been settled many times over plus when I had my business account their they got full benefits for the income I put in the bank from the business. They kept title to the securities deposited because according to their records the securities were abandoned. If the public school system and universities trained us to operate in commerce we would know and XXXX would not be on the verge of finance collapse! This is WELLS FARGO and their gang of banking criminals ' fault!

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to dispute the debt that XXXX XXXX  is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute the debt that XXXX XXXX is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I am writing to dispute the debt that XXXX XXXX is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from 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 2023-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022 I applied for a Capital One/Menards Big Card via Menards website . I received a letter directing me to call the fraud department to provide more information. Upon receiving the letter I noticed that there was a mistake and my last name was duplicated on the letterhead. I called and was told that the duplicated name was the issue and I would receive a reply in two weeks. I then received a letter asking for proof of income and tax return information. I sent it to them I then followed up several times and was told I would receive a letter in two weeks. I never received any letters from this point. 

The reason I am filing this complaint is because I don't understand why I would be denied the card. At the time having just under an 800 credit score and a 100 % on time payments record. I also have other Capital One credit cards, even had an auto loan through Cap. 1 without any issues. I believe that I deserve an explanation why I can't get a card from a store that I purchase thousands of dollars a year on home improvement products from. 

Thank you for looking into this for me and my family. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/23 & XX/XX/23, I formally requested verification of two said late payments from Victoria Secret that are incorrectly reporting, & verification of alleged collections on my report from XXXX XXXX, & XXXX XXXX. None of these 3 companies provided proof of late payments or proof of validation for alleged collections, nor did they send a follow up on their investigation for either request. Due to failure and compliance with my request for investigation, I demand for these items to be removed as I have been more than patient regarding investigation processes and times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
A charge was fraudulently made on my american express card I contacted both the store and american express and american express is holding me responsible for the charge even though i did not make it. It was XXXX for a chip reader at XXXX XXXX XXXX store.and american express contends i am liable for the charge. I have had a american express card over 40 years without a problem and the first problem i get no help from them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My personal information was stolen ( social security number ) and used to open a credit card account ( in XX/XX/XXXX ) with Navy FCU. I noticed this new account in XX/XX/XXXX. {$740.00} was charged to a credit card account. Navy FCU closed the account on their own after determining it was fraudulent. I am trying to get a letter from Navy FCU informing me that this has been resolved. I have not received anything yet. I sent a letter on XX/XX/XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NJ

Complaint narrative:
I recently viewed my credit report and noticed suspicious accounts on it. The account is not mine and I am being negatively impacted by the derogatory accounts.

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 2023-04-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My husband, XXXX XXXX, and myself have tried several times to correct an issue over the phone and through their Dispute process for XXXX XXXX XXXX. XXXX XXXX XXXX placed the loan in Forbearance for my daughter after loosing a job from COVID. XXXX made a mistake of reporting the payment late when the loan for in Forbearence. They sent in a correction and XXXX and XXXX corrected it after much pressure. Transunion refuses and keeps making me supply more evidence that XXXX XXXX XXXX made a mistake. XXXX XXXX XXXX claims they have submitted several creations for all four names on the loan and there is nothing more they can do. So I turn to you to help me get Transunion to fix the issue.

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 2023-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I called multiple times in XXXX of XXXX and XXXX of XXXX to request student loan payment refund for payments made during the XXXX pandemic. They did not submit the request to the treasury department until the 3rd time I called during this time period and they did not submit the request for payments made from my previous servicer until XXXX of XXXX. I had not submitted any student loan payments to Mohela and it is now XXXX of XXXX and I still have not received any refunds for the payments I made during the XXXX  pandemic and Mohela has consistently given incorrect timelines for when I was to receive payments and lied multiple times about when they had submitted the request to the federal government. This had resulted in loss of income that I could have potentially made on the refund payments while the payment pause is in effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
We got a car back in XXXX. My mom was the main signer and I was the cosigner. My mom filed bankruptcy and the car is still on my credit report. What can I do?

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