vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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:
I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : $ XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  ( XXXX : XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

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 2022-08-13 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 want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, Someone who forged my identity ( had a fake ID ) visited a chase branch to withdraw money from my account and was turn away because the banker noticed the difference in signature. The banker who turned down the thief left a comment on my account to be cautious. The thief continued to purse another chase branch and took {$3000.00} out of my chase checking account. He/She wrote a withdrawal slip with a forged signature, not only was the signature very different from my original signature, my name was actually spelled incorrectly. The second banker did not noticed and authorized the transaction. 

I filed a claim immediately and was able to get reimburse for the money stolen but by this incident, it demonstrate that in some of branches, chase did not properly train its bankers to handle cash withdrawal through the proper protocols to verify one 's identity prior to authorizing withdrawals. I'm quite disappoint at how incompetent the banker in Chase branch is and how can we trust the bank to manage our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: MI

Complaint narrative:
Equifax has violated many consumer laws. 
The first one being PERMISSIBLE PURPOSE. 
Equifax did not and do not have permissible purpose to post anything to my consumers credit report without my WRITTEN CONSENT. No consent is identity theft! 

Equifax has also committed AGGRAVATED IDENTITY THEFT. Equifax willingly and knowingly took information from a third party other than myself and reported to my consumers credit report. VIOLATION! THEFT! FRAUD! A CRIME! 

I have reached out VIA certified mail with return receipt numerous times to rest assure that EQUIFAX have received my demand to immediately remove XXXX XXXX service and any other hard inquiries that is on my consumers credit report. Any hard inquiry thats on my consumers credit report and for every hard inquiry thats posted to my consumer credit report is {$1000.00} a piece for each party responsible! I am the original creditor and I am the only one who dictates what goes on my consumers credit report! 
Equifax has also broken their own written policy rules! After 30 days, after their investigation I have not heard anything from Equifax and from that point on everything that I demanded to be removed shall be removed. Equifax failed to do so! 

Equifax has also lowered my score XXXX points and I was one of the millions of ppl who was effected by that. Im also demanding equifax to properly and quickly fixed this issue. Equifax blamed that error on a TECHNOLOGY CODING ISSUE. This error was dated back to mid XXXX. 

Another consumer law that Equifax has violated is Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax is a credit reporting agency right? So where is my privacy as a consumer? Again, I am the only one who dictates what goes on my consumers credit report. 

A copy of this will also be sent to the attorney general, Equifax, XXXX and more!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy  Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXXXXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-08-13 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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX Contacted Fifth Third Bank for a copy of my file and requested a copy of the XXXX XXXX. As of XX/XX/2022 have not received the letter. According to Resp 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ) I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. No response from Fifth Third Bank XXXX Contacted Fifth Third Bank for a copy of my entire file. There were too many inconsistencies from department to department. As of XX/XX/2022 have not received the letter. According to Respa 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ). I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. 
No response from Fifth Third Bank Contacted the XXXX XXXX XXXX, XXXX one of the lawyers from XXXX via email dated XX/XX/2022 to make sure the right law firm was handling the case. The phone numbers match but the address on the Urgent Notice of Acceleration of the Mortgage Loan : Payment Due in Full Does not match. The law firm on the letter is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX XXXX. The email XXXX XXXX XXXX sent me does not have an address only a website www.codilis.com. 

Notice not sent of the transfer of my mortgage to XXXX XXXX XXXX. The title company I closed with is XXXX XXXX XXXX XXXX XXXX. I can't tell if this is the original document or a fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

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 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continues to attempt to collect on a PPP Loan where all requirements were submitted according to the note for loan forgiveness but they failed to process it. After half a dozen requests for SBA review the SBA finally confirmed they were reviewing. Now its been over 200 days and their is only a 90 day statutory review process and they have yet to decision nor has Wells Fargo delivered any details as to reasons why they feel the debt is still owed. I have a dedicated PPP reviewer within the bank who cant even get a response from the reviewing department. In the meantime I have filed several complaints with the CFPB and nothing has been done to resolve and stop their harassing automatic attempts to collect on a debt that I dont owe.

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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX 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 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had {$1400.00} stolen from my Bank Of America Checking Account on XX/XX/2022 from an international website. I disputed the charges and was assured that the international company would no longer be able to access my account or funds again. I was given the provisional credit to my account and the claim is still being investigated. 
The SAME international website stole {$4800.00} from my account AGAIN. I disputed the charges XX/XX/XXXX and was denied credit and the claim was immediately denied and closed. 
I lost all of that money and they arent doing anything about it. Today is XX/XX/XXXX. There is no way they completed that investigation in only 5 business days.

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 monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Complaint Regarding PayPal Withholding My Payment I'm writing with regards to help with the release of my payment in PayPal PayPal sent me an email claiming that it had limited my account Upon inquiring the circumstances behind the limitation, PayPal informed me the account had been limited for security reasons- reasons they can't reveal. 

Please note that I'm a single mother of XXXX, I'm paid by my employer using my PayPal email address and my bank ( paypal ) has permanently limited the account with money in it. 

I feel so devastated, shocked, overstretched and completely overwhelmed. 

I'm slowly sinking into XXXX and I think this issue is having a toll on my health and mental wellbeing. 

I can provide the PayPal email associated with the limited account The amounts withheld are {$84.00} dollars Date of withholding was XXXX XXXX, 2022 The reasons they cited for limiting my account was that the account was closed for security reasons they can't disclose and that my money will be made available to me 180 days after the date of the limitation. 


I hope that you'd been of assistance in this matter. 


Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: AL

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 XXXX XXXXXXXX, Account XXXX XXXX has violated my rights. 

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

XXXX XXXX XXXX XXXX  XXXX, Account # 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 an 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 explanation
Consumer complaint received 2022-08-13 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: AL

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. 

U S DEPT OF EDXXXX, Account XXXX XXXX has violated my rights. 

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

US BKPT CT XXXX XXXXXXXX, Account # 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 an 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 2022-08-13 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX 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 2022-08-13 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation