vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my credit report, I have noticed that there is a very large amount of inaccurate information, That I am writing to dispute. I have filed identity theft reports with law enforcement, and this letter is to address Experian directly in order for them to make changes and restore my credit back to an exceptional credit score. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the bias of material misrepresentation. 

I first would like to note that I have never authorized Experian to have possession of my social security number. The Experian LLC has never received any authorization from me to have access to my private social security number. The only individuals legally authorized to have my social security number are myself, the Social Security Administration and the individuals I shared it with. Anyone who has bought, sold, or trafficked my private information is guilty of identity theft and fraud. 

In XXXX an LLC asked me for my social security number in order to do a credit check. They did not inform me that they were going to traffic my social security number to another LLC that was going to monitor me for the rest of my life. Posing as some sort of government bureau playing a game of hide-and-seek according to their bylaws on how they think credit should work. Experian never sent me notification, a contract, or instructions until XXXX. ( 17 years later ) Therefore this is unfair business practice and should be restored to exceptional XXXX XXXX. 40 % of their credit process, it's doing business with other LLC 's that approve of and authorize this sort of behavior. Of trafficking, selling and bidding for social security account numbers. Which is totally unacceptable. 

This letter is in reference to my account activity and how it should look before full reimbursement and restoration of credits. The other unidentified transactions are not information related to any transactions made by me as a consumer. You are required to do what I am asking, which is block and delete these transactions from being reported to My Consumer Report within 4 days from the date of the receipt of this notice. I look forward to your response. 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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had made a complain about my Wells Fargo online access due to misinformation in my payment account and it was disabled and I want help back enabling my online access because Im on a business trip and cant go to the branch..

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 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Duplicating the same debt on my credit reports twice is illegal the original creditor sold the debt on ( XX/XX/2017 ) it was charged off and closed but yet they are still reporting the debt as well as the collection agency that they sold it to, the amount that is being reported is {$970.00}. I don't owe the collection agency because I have not signed any contractual contract binding me to pay this debt off with the collection agency. And sending me a Bill statement isn't justification of a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
Lower Holding Company sold my mortgage to XXXX Mortgage some time last month. In the process Lower has once again " lost '' one of my payments. I say once again because this is the second time Lower has sold the mortgage and " lost '' a payment in the process. I filed a complaint last time and suddenly they " found '' the payment -sent an apology letter and everything. ... I do believe this a pattern of behavior that Lower engages in as a money making scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.

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 2023-07-24 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: IL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-24 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: IL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-24 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: WI

Complaint narrative:
To Whom It Applies : I saw that two companies have made hard inquiries on my credit report from XXXX and XXXX that I did not authorize, have knowledge of, or consent to : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX -- the phone number is disconnected to call and I see on line that I am not the first person they done this to ; XACTUS LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CT, XXXX -- I spoke to a company rep and they said they find no record of such activity, and that they are a third party for companies who have clients seeking a home loan. 

I am on hold for XACTUS and the rep said they will be right back. That was about five minutes ago. 

These are scam companies in my opinion in light of that stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The charge was made with American Express XXXX card on XX/XX/12 to XXXX XXXX for {$12000.00}. This card is not now active as XXXX visa took over the XXXX credit card business. Having called both companies in trying to resolve the complaint they each say it is the other companys responsibility. The run around. I understand that XXXX XXXX was convicted of fraud. A long with XXXX XXXX and XXXX I have called serveral times to resolve issue. Both companies say they can not find the charge because of the length of time involved. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-24 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Credit Card Services ran my credit for a credit card on XX/XX/2023. I did not apply for any credit with them and when I requested an investigation they asked that I send a letter which I did on XX/XX/2023, they then sent a letter ( Dispute XXXX XXXXXXXX ) on XX/XX/2023, stating it was a valid inquiry. Because I did not apply for anything with Wells Fargo, I called their dispute line again on XX/XX/2023, to request proof that I applied for credit. At that time I was given a " dispute '' number XXXX and advised they would reach out within two days. Wells Fargo did not respond and has not provided the information I requested. 
It is clear to me that they did nothing to investigate this matter and have left the credit inquiry on my credit file. Please follow up on this sloppy and poorly handled investigation to ensure that consumers do not continue to suffer from these banks that have been allowed to become too big to operate.

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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA

Complaint narrative:
From XXXX XXXX : Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is MERCANTILE ADJUSTMENT BU. The original creditor was XXXX XXXX XXXX. 

I have no idea who " XXXX XXXX XXXX '' is, and have never had business with them. A XXXX search does not show any results for a company with that name. I tried to contact the collection agency, but was sent to voice mail or hung up on. This is not my debt and looks to be coming from some form of fraudulent shell company. Also, Mercantile never tried to contact me to resolve before filing with the credit burau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I found out my account has been suspended ( blocked ) when I was tried to make a purchase with my ATM card. I immediately called them and I was told by Citibank representative that, they can not provide me with no information I would have to wait for a letter which has a code that I will submit to them for verification. 

After a week from the suspension, I went to the Citibank branch and spoke directly with the representative who had open the account for me on XX/XX/XXXX. Her name is XXXX at the : XXXX XXXX XXXX XXXX , XXXX, VA XXXX location. XXXX called customer service and she was told the same thing which is to wait for the letter. 

Today is the XX/XX/XXXX and am yet to receive the letter. This is my only account and the same account all my bills comes out off. 

I have also exhausted all ways of borrowing funds to sustain. My cell phone was disconnected today due to not paying my bills and the rest of my bills including my mortgage payment is due this Friday. I need help and I do not know what to 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
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America opened a checking account in my name without me requesting this account. Around XX/XX/2023 I received an email stating my new account has been approved. I never applied for an account. I called their fraud department on XX/XX/XXXX to report the fraud. I called back again on XX/XX/XXXX to follow up. I was assured that the account would be closed following an investigation. 

On about XX/XX/2023 I received in the mail a new debit card for my account with Bank of America. I tried calling the fraud department back again but whenever the line picks up it just goes dead. 

I have never had an account of any type with Bank of America.

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 2023-07-24 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For company to do what fair equitable to me by consumer by deleting the items identified as identified theft from my consumer reports

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 2023-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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