vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Hello, my name is XXXX XXXX. Today I would like to write a complain about my problem. I lost my wallet and lost XXXX XXXX credit card. When I discovered 2-3 days later and called to disputed all of them with the wells fargo XXXX XXXX bank XXXX then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave reasons are : First, the merchant verified your personal information, which include name, address, phone number, email, card expiration date. Second, Why did you call and report it in two days?. Third, how did you lose your information?. Fourth, you did respond to confirm the email to the merchant which is the same primary email address that we have on file.

-In my opinion, from my end, I NEVER receive any phone calls, NEVER reply or confirm any emails from this merchant. No packages arrived.!! 
- My questions are : what day and what time did the merchant called me? Called to what phone number? 
- Which email address did they asked to confirm? Is it my profile primary email address? 

I do not know what to do and how to resolve this matter. Please help. Thank you. 

XX/XX/2022 in the amount of {$960.00}

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 explanation
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP

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 2022-12-06 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: LA

Complaint narrative:
I have been a victim of identity theft I have several accounts on my credit report that are not accurate with multiple inquires. I have tried to reach out to the companies to explain the situation and I have not gotten any help I have been dealing with this issue for Months.

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 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
False debt collection / credit agent scam / threat to have my personal information I received debt collection from this company ( " credit management LP '' XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) that I own XXXX communication bills. I called XXXX  to check if I actually own any bills but apparently NO. I called this credit agency to ask for this debt collection information and they keep threating me to give them my identify information and I refused. After contact the XXXX  and they told me no debt was found under my name, I realized this credit agency is a scam. And there are many victims had the similar experience under this company 's XXXX review. Now this debt collection has showed on my credit report and affected my score. Please help to contact them, this is not OK to put false collection and keep threating me to give out my personal information. Need this collection to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have correspondence from an XXXX XXXX XXXX XXXX XXXX regarding my loan with Citizens Bank and my mortgage. The VA is trying to fund my loan with this bank and she is not communicating with XXXX XXXX from the VA. XXXX is needing to know that my loan was in forbearance in XXXX and she is not giving him that information. She is avoiding that at all costs. This has been going on since XXXX. All he needs is a simple yes and it can be funded. I don't know where the disconnect is with XXXX but she needs to be removed from handling Va loans or Citizens in general should not be approved to handle VA loans I have had nothing but problems with them. I spoke to a loss litigation representative today XX/XX/XXXX and he is XXXX  the covid forbearance letter his name XXXX. XXXX owes me loss of wages and time spent on dealing with this and the stress I have dealt with due to the issues with this. I have been put on stronger XXXX XXXX XXXX due to this and have checkins with XXXX XXXX XXXX XXXX  due to the stress of this mortgage process. That is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
FCRA Violation credit card payments never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation personal loan not mine
XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA Violation personal loan payments never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collection not mine
XXXX XXXX XXXX

FCRA Violation inquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation hard inquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX 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 2022-12-06 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: TX

Complaint narrative:
FCRA Violation credit card payments never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation personal loan not mine
XXXX XXXX XXXX XXXX XXXX XXXX  

FCRA Violation personal loan payments never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collection not mine
XXXX XXXX XXXX

FCRA Violation inquiries not mine
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation hard inquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This additional information against Ally Financial. Exposing the fraud theyve committed on my account. Ive attempted to satisfy the debt obligation numerous times. I have proof with in the photos. Ive sent in private money orders. etc. Theyve kept them sent me copies and said its not acceptable. XXXX sent another registered remittance coupon for settlement. However yet keep it! And sent copies back all my instruments with my wet ink signature on them. They kept and didnt credit the account. While telling me its unacceptable or flat just saying they received the instrument. And are not accepting it. Dishonor for years Ive had to stress and deal with this. Ive had enough and Id like justice for all of the years of stress and dishonor they continued to do. Theyve messed up my credit. 

Payments were made they reversed all of them! My car was in the status of release of title etc. Proof in the pictures! 

XXXX Had the account audited you can plainly see this car was paid off. 

XXXX Had an audit they dont even show the payments that were reversed. Plainly violating fed wire ACH laws by reversing payments. They took that out and sent the enclosed audit. XXXX payments not even on this XXXX audit they removed them. 

The account was finally closed and paid in full status XX/XX/XXXX. They then reopen it put it back on my credit report shown in the pictures. How is this not illegal!!!!??? Im quite sure Im not the only one going through it with this Fraud company. They are restricting my ability to live. I cant get a mortgage loan because of the credit history theyve put on my credit. All because they are crooks. Please help!! DONT DO ANY BUSINESS WITH ALLY FINANCIAL! YOUVE BEEN WARNED!

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 2022-12-06 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-06 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:
I have an inquiry on my XXXX XXXX XXXX and Equifax inquiry is XXXX XXXX inquiry date XXXX XXXX phone number XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: IL

Complaint narrative:
I have an inquiry on my XXXX XXXX Experian and XXXX inquiry is XXXX XXXX inquiry date XXXX XXXX phone number XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am no longer liable for this debt with this accounts because this is already under BANKRUPTCY. I attached the letter from the bankruptcy court and XXXX XXXX  for you to remove it asap

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 2022-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, I want to inform you that I could not provide you with the name and contact information of my loans investor because my Servicer refused to give it to me by phone or email. 

Attached I am sending a copy of the letter I sent to Specialized Loan Servicing formally requesting the investor information. I understand that cases have due dates for submitting data, but it has not been easy for me to deal with my Servicer. 

I would appreciate it if my case remains open until we receive an answer from my Servicer. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone number XXXX XX/XX/XXXX, XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX # XXXX. Your letter dated XX/XX/2022 Property Address : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Certified Mail # XXXX Dear Servicer : The Consumer Financial Protection Bureau requires the contact information of the Investor of my loan ( # XXXX ). I called several times to get this information by phone, and finally, your customer service agents instructed me to send a request in writing. Thus I would appreciate it if you could send the following information as soon as possible Investors name or company name. 
Mail address Phone number Contact name, email address, phone number, and address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX 
XXXX XXXX. 
Consumer Financial Protection Bureau

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 2022-12-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Reached out to them several times.. wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Sir/Madam Good afternoon, I buy the XXXX XXXX XXXX on XX/XX/2022 through XXXX XXXX XXXX XXXX XXXX sold this auto loan to XXXX XXXX  and we don't know about this, we don't know where to pay who to pay and on XX/XX/2022 XXXX reported to credit bureaus as a 30 day late payment, because of this my credit score fallen to XXXX from XXXX, today my mortgage loan officer called me he said he can not approve my loan if this issue not got fixed, I have called XXXX XXXX  and I explained the situation why the first payment was not made, XXXX XXXX  person asked to raise the dispute with credit bureau and when credit bureau reaches to XXXX XXXX  for explanation they can take care.

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