vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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: TN

Complaint narrative:
My understanding is that CFPB IS SUPPOSED TO HELP AND AD FAR AS I CAN TELL, no such thing is happening! Equifax has yet to provide their proof about XXXX and it has been removed on all other accounts! I have sent police reports and court documents! A collection company tried to sue and garnish my wages! How can this even be allowed! Now EQUIFAX has added XXXX XXXX XXXX Company to my credit for XXXX $ that showed up with a balance on XXXX! Where is the proof of anything from Equifax? I am calling an attorney after this complaint for my records! I have reached out to you CFPB and still have no answers!!!!! 
Where is the proof?? A police report and court documents should be proof enough! Why is this on my credit!!! So what you are telling me is that I opened a XXXX account XX/XX/XXXX and first delinquency was XX/XX/XXXX? Show me checks were I made a payment or even a checking account payment! And my signature!!! This is a bold face lie and CFPB IS DOING NOTHING NOR IS EQUIFAX BUT ENABLING THESE BLOOD SUCKERS!!!! I want THESE LIES REMOVED FROM MY CREDIT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

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

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 2023-08-01 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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
In accordance with the FCA Fair Credit Reporting Act XXXX XXXXXXXX ( XX/XX/2023 ), XXXXXXXX XXXX  ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an 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 2023-08-01 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: NC

Complaint narrative:
In accordance with the FCA Fair Credit Reporting Act XXXX XXXXXXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am inputting a new compliant in follow up from compliant # XXXX. Citi lied in the response that they would be honoring the misleading disclosures and crediting my XXXX XXXX account for XXXX miles. As you can see in the letter attached, they agreed that the disclosures stated I would be credited and that I would receive credit 7-10 business days. This did not happen and instead I was told by their executive office that they lied in the compliant to CFPB and would not be honoring the disclosure or statement they made. I ask that the CFPB look into false disclosures Citi is providing their customers as I was told that there have been a number of complaints about the illegal disclosures on the promotion. I have attached the disclosures I agreed to when opening the account and the letter from their executive office stating that I should have been credited 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 explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXXXXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$560.00} POSTED XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX MIDLAND CREDIT MANAGEM {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / MIDLAND CREDIT MANAGEM {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX MIDLAND CREDIT MANAGEM {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX  {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXXXXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: DE

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: DE

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.

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 2023-08-01 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: SC

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XXXX XXXXXX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

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 2023-08-01 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: PA

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-08-01 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: PA

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-08-01 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: OH

Complaint narrative:
I have a few accounts that are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to formally request as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I have filed a Police report with 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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called Ally 2 times trying to getting a letter or form saying that I was cancelling a dispute I had put months ago almost a year. I need proof that the dispute is being removed or cancelled and no one could help me. I am trying to buy a house and I cant having that dispute under me. I was told to wait 45 days I cant wait 45 days. And when I called again they told me there was nothing they could do to call the credit bureaus.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not authorize nor approve these inquires. 
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

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 2023-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I have XXXX plus student loans. All of them are on a IDR plan except one. That one should also be on the IDR. Ive been trying to contact Nelnet to understand why the one is not, I can not get through to them. Their wait times are nearly 2 hours long. So my issue is 2 fold 1. I cant get in touch 2. The one loan should be on IDR and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-JXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is against the Executive Office at Wells Fargo. In being very careful not to duplicate a complaint against this very questionable Financial Institution, my complaint is very specific to a sole / certain issue in my dealings with Wells Fargo. With the various governmental Financial Oversight Agencies, I can not understand how a Financial Institution such as Wells Fargo is allowed to stay in business??? Their lengthy history of validated fraud, fraudulent accounts opened by Wells Fargo, Customers money removed in a fraudulent manner, such as my {$8800.00} in my retirement savings -- - and lest we not forget XXXX XXXX in Civil Penalties, and XXXX XXXX in restitution, how is Wells Fargo allowed to continue to function as a Financial Institution?? How is Wells Fargo allowed to be trusted with Customers Money?? I'm very angry at myself for not researching Wells Fargo prior to trusting them with my Retirement Savings. 
I have been trying to collect my lost monies of {$8800.00} from Wells Fargo since XXXX XXXX. I have involved the : -- XXXX XXXX XXXX -- Consumer Financial Bureau -- Office of the Comptroller of the Currency -- FDIC Consumer Response Unit and I have posted many facts online for customers to beware -- prior to trusting Wells Fargo with any Financial Activity, and certainly not their Retirement Savings. 

My case was once again turned over to the Executive Dept. at Wells Fargo. The Executive Office Case Specialist assigned to my case is XXXX XXXX. He has communicated with me x 1. He sent me an attachment which I can not download, as I made him aware of this. And of course this is the 3rd Executive Case Specialist that I have been assigned to. My question is simple : why does Wells Fargo continue to shut me out and ignore me? My only goal is to get an agreeable resolution to my {$8800.00} retirement savings, which was lost in a fraudulent manner in transactions by Wells Fargo. And this was after I had my accounts deactivated and disabled!! I am not going away until my {$8800.00} that Wells Fargo list through Fraudulent activity is collected.

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