vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
I lost a lot of my personal documents in XXXX during the Texas hurricane. Since then, i have been receiving a lot of mail since my house is now fixed and in livable condition. I checked my credit report, and it is a lot of accounts on my credit report that do not belong to me. i have filed a police report and i will include the incident number along with additional fraud accounts that are on my credit report below XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX POLICE INCIDENT NUMBER 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 2022-04-20 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: CA

Complaint narrative:
I recently got a copy of my credit report and I noticed there are incorrect and fraudulent accounts being reported on my consumer report. I am aware of the FCRA and understand that I have the right to dispute these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There had been fifteen times where I had call Wells Fargo Bank complaint department to file unauthorized charges and Wells Fargo keep blaming on their system. After making XXXX claims with XXXX I was forced to close the account. XXXX XXXX close my account for making a claims for unauthorized charges. I'm not sure what is going on with the bank institutions not protecting our accounts. They seems to be enjoying the fact of pocketing the customer 's money.

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX, I had checking account with the Citibank for over 20 years my account number was XXXX, and this account was closed due to some suspicions that Citibank had and I was recently told {$3000.00} deposit on XX/XX/2021 is the reason, this deposit came from XXXX XXXXXXXX XXXX credit card which was under my mother 's name her name is XXXX XXXX, I am authorized user on that account as well, and hold same credit card with same number. 
Now Citibank had closed my account and never sent me any documentation explaining the reason for account closer or allowed any solution for me to get the remaining balance back. I was refunded {$4100.00} by official check and {$3000.00} was never refunded to me. my account balance was {$7100.00} wen account was closed. 
I've been calling Citibank for past 4 months I had made over XXXX phone calls and I am not getting anywhere, no help was offered most of my phone calls are being terminated by simply saying they don't have any more further information to give it to me. 
I do have all the supporting documents to clarify any misunderstanding Citibank had, I like to request to CFPB team to please take action this fund has been held up with Citibank for over 4 months now, please help me get my $ XXXX.Back If you have any questions or need more information, explanation or supporting documents please do not hesitate to contact me I can be reached at. 
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 2022-04-20 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: TX

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 status Closed XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX Credit Bureaus 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-20 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:
In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX , has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-20 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: CA

Complaint narrative:
In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX , has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I never heard from this company never email or mail or a phone. 
company name its wekafield & associates I on XX/XX/2020 now its on collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 confidentially under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXX XXXX # 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-20 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 confidentially under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXX XXXX # 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
An attorney named XXXX XXXX XXXX located in XXXX XXXX, purchased my debt from Sentry Recovery. He sent a summons to sue me for the debt. I obtained an attorney, who has reached out many times attempting to settle out of court. Before obtaining an attorney, I also tried to get in contact with this attorney to see what could be done, and he has never returned any of our phone calls, including those from my attorney. The balance of my debt increases every month, and we can not get ahold of the attorney to discuss options. Based on reviews online and from others we have spoken too, he never answers the phone calls in hopes you will owe him the settlement amount against you from court. This cant be legal, and while it isnt repeatedly calling, a direct attempt of screening phone calls to prevent someone from paying their debt should be. 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 2022-04-20 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: CA

Complaint narrative:
In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-20 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: Receivable Solutions, Inc.
State: SC

Complaint narrative:
THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST CREDITORS AS A PART OF MY IDENTITY THEFT PACKET FILED IN XXXX. I FILED REPORTS IN THE PAST BECAUSE I HAVE HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST XXXX YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T EVEN HAVE MY CORRECT INFORMATION. I WOULD LIKE FOR THESE COMPANIES TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING INACCURATE ACCOUNTS. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY! 

RECEIVABLE SOLUTIONS LLC has multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
On XX/XX/2022 I opened up an account with Gemini  and applied for a credit card. The account was opened and credit card approved for {$22000.00} on XX/XX/2022. On XX/XX/2022, I emailed support to inquire why my account was now showing as frozen, but my account showed my credit card as available. Support emailed me back with ticket number XXXX stating that my account was under review by the Trust and Security Department. On XX/XX/2022, I logged in and the account showed as frozen but my credit card information was no longer showing. I emailed support again, but did not receive a reply this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
CFPB Write up In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 instruction.

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 2022-04-20 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: SC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 
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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my lender SLS grant me a forbearance plan under the COVID-19 guideline. The forbearance period end on XX/XX/XXXX since then I have been trying to obtain help with my lender I requested a loan modification or a repayment plan however lender refused any help instead they approved me for a short sale and that is not an option for me. How can they offer short sale when my loan amount is much less than my property value, something doesnt seem right. Please help or advise me where can I seek for help. Lender sent me a letter that they will soon initiate foreclosure activities

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX hard inquiry from XXXX. reported XX/XX/XXXX credit limit was {$2000.00} balance reported {$1800.00} 92 % of account limit. XX/XX/XXXX, remark removed from account. balance increased by {$130.00}. XX/XX/XXXX {$1900.00} was spent, account under investigation. 




XX/XX/XXXX hard inquiry from XXXX XXXX XXXX XXXX Account under investigation. 



XX/XX/XXXX hard inquiry from XXXX  XXXX no action was taken contacts was lead to nothing. 



This are all false reports on my credit. This are false inquiry accounts opened under my name are false I want them to be fixed/ deleted

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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Great American Finance Co
State: OH

Complaint narrative:
My girlfriend and I financed a washer, dryer and a mini freezer with Great American Finance via XXXX  XXXX XXXX and they told us we had 12 months to pay same as cash but they did not say that if we were late on our payment one time that we would lose that deal and then be charged 30 % interest. My girlfriend who is in charge of the finances was late on 2 payments and so now I am receiving multiple calls per day over a 16 day late bill that I plan in paying this week but most of my payments are going to thr interest now instead of the principal. This is false advertising and complete harassment. I want to sue them for this or at the very least file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
I recently got a copy of my credit report and noticed there are inaccurate and fraudulent accounts being furnished on my report. I am aware of the FCRA and understand that I have the right to dispute these 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 explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I so called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) XXXX Account # : XXXX Closed ; ( XXXX ) XXXX  XXXX XXXX Account XXXX : XXXX Closed ; ( XXXX ) XXXX  XXXX Account # : Date Reported : Condition : Credit Limit : XXXX Closed ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.

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