vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
A credit card was opened in my name from Truist bank with {$9200.00} past due balance. I did not open this line of credit or use the credit for purchases. It is fraudulent

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 2023-05-25 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: IL

Complaint narrative:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Both my checking and savings accounts were stolen in addition to my XXXX accounts. I need to get my outstanding debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: AZ

Complaint narrative:
I received an alert from my Experian app and notice someone tried to use my name. I am building my consumer report and this has intrigued me tremendously. Please remove this inquiries that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2023-05-25 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: FL

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello My name is XXXX XXXX. I am reaching out with concerns of my credit status with TransUnion, I contacted Indigo explaining my reason for high balance do to me being in the XXXX XXXX XXXX XXXX XXXX  during the month of XXXX, as I was not able to work and needed to use my card for my family. I'm asking to have the reporting to the credit bureaus ( XXXX ) be removed of negative reporting, I'm trying to buy a home for my family and that month in the XXXX  set me back.

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 2023-05-25 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: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-25 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I have four loans with American Education Services. Since XX/XX/2023, they have misapplied my payments every single month even though it is on auto debit from my bank account. I receive emails and letter in the mail stating that my payments are late. They are not late. 

I have to spend my time chasing them each month and it takes days each time to correctly apply the payment. They charge me " late fees '' and report it to the credit bureaus when my payments are not late. AES is the one who can not properly apply my payments. 

This is unacceptable. They are trying to charge me fees for their own mistakes and ruin my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I XXXX XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2012. A consumer credit transaction that involved a finance charge. 
15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash. The finance charge is also supposed to include insurance but Navy Federal Credit Union made me purchase insurance separately. Navy Federal Credit Union is supposed to provide me the right of rescission according to 15 USC 1635. This is a consumer credit transaction and Navy Federal Credit Union did not clearly and conspicuously disclose this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: MI

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of sevoral laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received a XXXX ( phone never rang ) from XXXX. States I need to call XXXX immediately or they would send my file to court. I called WDS is how they answered. I advised I was returning a XXXX. They stated I had a debt of XXXX and I could pay them. I dont believe this is accurate and know my rights so asked about verification of this and asked it be sent via email. She refused. Stated it had been sent already. I asked to what address she provided an address I dont live at. She kept arguing with me that I have it and to just pay. She said it is owed to Wells Fargo. I again refused to pay and stated I wanted documenting of this debt as I feel it is not valid. She refused. When I asked for address /name of collection business she laughed and hung up. I called back and she stated I was harassing them and to not call back. I called Wells Fargo who advised I would not be able to open a new account ( which I have several accounts with them currently ).

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 2023-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Subject : Urgent Request for Removal of Fraudulent Account and Debt from Credit Report Dear Sir/Madam , I am writing to bring to your attention a critical matter regarding fraudulent activity associated with an account created under my name without my consent. I recently discovered that an unauthorized Citi Custom cash card was obtained and utilized fraudulently, resulting in a total outstanding balance of {$4700.00}. I must emphasize that I did not apply for this card, nor do I have any banking relationship with CitiBank. 

As a victim of identity fraud, I kindly request your immediate assistance in addressing this issue promptly and thoroughly. I ask that you take the necessary steps to remove all traces of this fraudulent account from my credit report, as it is negatively impacting my financial standing. 

Please note that this request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers. Under the FCRA, it is crucial to rectify any inaccuracies or discrepancies on my credit report, particularly when they involve debts that are not mine. I kindly request that you expedite the resolution of this matter to ensure the accurate and fair representation of my credit history. 

While I have not provided a credit report at this time, I assure you that the fraudulent account in question is causing significant distress and financial hardship. I am prepared to provide any necessary documentation or information required to assist with the investigation and resolution of this matter. 

I understand that investigating and resolving such matters can be time-consuming and complex. However, I urge you to prioritize this case due to the substantial financial impact it has on my creditworthiness and personal well-being. I kindly request that you keep me updated on the progress and provide me with a written confirmation once the fraudulent account and debt have been removed from my credit report. 

I appreciate your attention to this urgent matter and look forward to a swift resolution. Should you require any additional information or have any questions, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and cooperation. 

Sincerely Yours.

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 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please remove fraudulant inquiries:
XXXX XXXX XXXX XXXX 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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: NV

Complaint narrative:
I want to file this complaint to EQUIFAX. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
{$5000.00} was fraudulently transferred out of my First Horizon Business banking account XXXX on XX/XX/XXXX to someone in XXXX. I become aware of this when I became victim to other Identity Theft crimes in early XXXX. I contacted First Horizon to open a claim and they were unhelpful and did not assist at all. This is a serious matter and they were unwilling to assist in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: IN

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My issue is I've had my personal information " Name '' " Address '' " Employers '' being reported on my consumer report inaccurately I've asked the consumer agency " Experian '' to correct this numerous times and yet I have not been assisted in having this information updated correctly again its still being report after months of trying I will enclose all of the information that is needed so that my personal information is updated and reported correctly under the FCRA rules and regulation states that a consumers credit report is supposed to be accurately reported and if it is not then those items are to be removed from my consumer report i also disputed other items as and I have received an emailed from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

I, was the one who requested all of THIS INFO YES IT WAS ME THAT requested every thing that was disputed it was all sent by me the consumer so I do not know what they're assuming and they have not moved or made any effort in correcting my consumer report which they are in clear violation of ENCLOSED BELOW IN THIS COMP [ LAINT IS MY LETTERS AND DISPUTES THAT WERE SENT TO THEM A NUMBER OF TIMES

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 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo Home Mortgage has had my address incorrect for XXXX years ( as long as I have had my home ) they have refused/ will NOT fix it. I have sent them a copy my Deed and appraisal. This has caused issues with my home insurance provider. I have numerous times and yet they will not fix it even after they say they will.

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 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i don't know where these XXXX hard inquiries come from its false information i need them removed right away from all XXXX credit reporting companies.. the hard inquiries are XXXX address XXXX XXXX XXXX XXXX ut XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX phone number XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a 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 2023-05-25 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: NY

Complaint narrative:
i don't know where these XXXX hard inquiries come from its false information i need them removed right away from all XXXX credit reporting companies.. the hard inquiries are XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX phone number XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section XXXXXXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX  XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a 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