vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX LAST FOUR : XXXX ( DISPUTE CODE - XXXX ) Hello, my name is XXXX XXXX and my personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized accounts. Ive attached a police report pertaining to the incident and sent it to Equifax. In accordance with the Fair Credit Reporting Act multiple unauthorized accounts I have found on my credit report please immediately delete and remove all inaccurate accounts I have listed. 

In accordance with the Fair Credit Reporting Act XXXX, Account : XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I NEED this account XXXX XXXX XXXX deleted from my credit report profile. 


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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I NEVER AUTHORIZED XXXX XXXX XXXX OR THEIR ORIGINAL CREDITOR XXXX XXXX TO USE MY INFORMATION OR DONE ANY TYPE OF BUSINESS. I HAVE FILED A POLICE REPORT ABOUT THIS ISSUE BECAUSE MY IDENTITY HAS BEEN STOLEN THROUGH THE PANDEMIC AROUND XXXX. PLEASE REMOVE THIS DEROGATORY ACCOUNT I HAVE NEVER ASSOCIATED MYSELF WITH IT IS VIOLATING MY CONSUMER RIGHTS AND I WILL TAKE IT TO COURT IF THIS IS NOT REMOVED. 

- XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX XXXX which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Called IC system on XX/XX/2022 in reference to a balance they keep reporting for XXXX for equipment I returned the equipment a year ago and dont owe anything I even got a letter from them stating they will removed it ..its still on my account and it has not been removed. The balance is XXXX for equipment from 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 2022-12-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX  account # 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 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. 

There are many inaccuracies within my consumer report. See enclosed attachments

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 2022-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NM

Complaint narrative:
I have been trying to activate my card, but it always says my social security number or date of birth is wrong. But I've tried it multiple times, to make sure I didn't get it incorrect, I would like to fix this problem as soon as possible, because I haven't been able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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:
I was called by a Wells Fargo phone number to verify charges against my account. I was sent a text with a secure number to verify my identity and discovered the call was a scam. My checking account was charged for a wire transfer online for {$24000.00}. 
I called WF immediately and reported the scam. They took my report and told me I would be reimbursed because it was a case of fraud. 
I got a letter in a few days advising me that because I had initiated the wire transfer they would not reimburse me the {$24000.00}. 

I did not initiate the transfer, I was scammed initially and reported it immediately as a scam and fraud. 

I am XXXX XXXX XXXX, and I believe there are protections in place for fraud against a senior citizen and that Wells Fargo did not do a thorough investigation to try to recoup my 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 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Texas National Holding, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) missed a judgement recorded against a property I purchased when they handled the closing process. I later sustained an approximate {$20000.00} loss after contacting their agent regarding the matter. I then filed a claim with XXXX as instructed by their agent and XXXX is refusing to pay the claim. See the attached complaint sent to XXXX containing all the details ( dates, amounts and actions taken ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
It's been over 30 days, and the creditor has not updated the information nor provided proof or documentation in regards to the late payment. They have not supplied this information and they must the late payments reflecting on my credit report. Under federal olaw they had 30 days to complete this investigation. They must remove these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
First and foremost I would like to address my concerns with Fig Loans of Texas which Fig Loans refuses to acknowledge and refuses to resolve. 
1. Fig Loans of Texas ( Fig Texas ) Opened a Loan in an unknown time for $ XXXX {$200.00} Fig loans reports this as Deliquent monthly to the consumer credit bureaus. 
2. It was already reported to Fig loans that I did not receive any funds from this loan, It was opened with a checking account which is now closed due to identity theft, and a phone number that isn't associated with me. Additionally, This has been reported to fig loans and they refuse to do anything even with an Identity theft affidavit. This is a legal document that is honored by the FTC and sent to the FBI Regarding Identity theft.

3. Fig loans did not send me any documentation regarding this loan, I did not receive funds from this loan, Fig loans did not verify it was me that was applying for this loan. They did not send me any statement 's regarding this loan, I have not received any documentation pertaining to this loan, Yet fig is under the impression I OWE THEM FOR A DEBT they sent to some thief.

4. Fig Loan 's continues to FALSELY report the loan on to my credit report stating that the loan is deliquent and it increases each month. I never received any monetary benefit from this loan, and I refuse to pay something I didn't authorize. They never confirmed it was me applying for it. If they had I would have advised it wasn't me. They never contacted me, instead they attempt to collect a debt that I do not owe. I refuse to pay something that I did not open and I did not sign, and I did not apply for. This was not received by me, it was not applied for by me, and I NEVER AUTHORIZED THIS ACCOUNT. It's fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
Regarding : Account No XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 

Its also violation of permissible purposes. So they also need direct written consent from me XXXX XXXX XXXX to report anything on my credit report. So without my direct written consent of reporting child support thats on my credit profile is in violation of my rights.

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 2022-12-05 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: NJ

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

15 U.S.C 1681 Section 602 A. States I have the rights 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 reports 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-12-05 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: CarMax, Inc.
State: NC

Complaint narrative:
CarMax has reporting a increase in my balance to all 3 credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called CarMax on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Using the U.S. Post Office, I mailed a check made payable to XXXX XXXX on XX/XX/22 for the amount of {$590.00}. The check was intercepted along the way and the check was altered to make it payable to : XXXX XXXX for the amount of {$990.00}. The fraudulant check was cashed at Navy FCU XXXX ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX on XX/XX/22 at XXXX. 
-- XXXX XXXX was contacted and a stop payment was placed on the check but it was too late to halt payment The incident was reported to XXXXXXXX XXXX in XXXX, XXXX, Claim # XXXX & they have not taken any action other than a cursory inquiry. They claim that it has been over 90 days and the Navy FCU has not responded to them. No further action will be taken by them. 
-- A police report was filed on XX/XX/22 for forgery/fraud with the XXXX XXXX Police Dept. XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX. Phone XXXX XXXXXXXX. 
-- The XXXX XXXX XXXX was notified on XX/XX/22 of the stolen check, the claim XXXX XXXXXXXX for their internal investigation. No results or follow up communicationce since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to withdraw money my friend deposited into my account on Saturday XX/XX/2022 after the bank said the funds were available. I went to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, NY XXXX because it was a large amount for ATM. The cashier refused to give me my money because it was still " pending '', and stated to wait till XXXX to come to get the funds. I called the bank to ask about what just happened. I was told again the funds are available for withdrawal as long as I come with proof of identification which I did the first time. I went back there on Monday and they still refused to give me my money. I had to start going back and forth with the cashier in front of people which was embarrassing for me. They eventually gave me the money. I tried to talk to the manager about what happened and all she told me was " It's not her workers, it's the bank, they are following what the bank wants ''. I was treated unfairly, they made me feel like a thief for trying to withdraw my money. I hate to go there but I feel like I was being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open- end consumer credit plans as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has created fraudulent checking and savings account 's for the last year and a half and two years. Wells Fargo advised me in my last complaint these " Fraudulently '' Created account 's submitted with my information that was not accurately reported, and that the account 's were not authorized by me, but instead from an identity thief. I did not, sign any account opening documents and I have not opened any account 's with Wells Fargo. These account 's were opened originally as part of Wells Fargo new account scandal where they were opening account 's without peoples knowledge. I advised Wells Fargo I have never had any account 's with Wells Fargo, These were opened from an identity thief, and Wells Fargo advised they agreed a thief opened these via a letter they sent me. Wells Fargo has alot of phishing emails going around also, Alot of scam emails. I do not open these. I am not sure where to report these, However. I was going to talk to a banker about opening an account at some point since I have never done so at Wells Fargo. The banker informed me that Wells Fargo and or it's affliates can not open account 's for me because of a " Past Relationship '' I do not have a past relationship. As I stated before I NEVER HAVE HAD ACCOUNT 's with wells fargo. You even agreed the phone number XXXX was a fraudulent number. I have confirmed XXXX shut this number down. I have not applied for account 's with your bank and I have not opened any. No Savings, or Checkings accounts. So how can I have a past relationship if these were opened from a thief?

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 2022-12-05 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On or about XX/XX/2022 CREDIT ACCEPTANCE CORPORATION has reported incorrect information to XXXX and XXXX as well as violated my rights under : 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

I have not given any consent, and no consent is a violation of my rights as a consumer. 

I have filed multiple disputes with the credit reporting agencies. No action has been taken by the company at this time.

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 2022-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Phoenix Financial Serv and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation