vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
For the last XXXX days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on XXXX, and I have XXXX inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last XXXX days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) XXXXILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX Equifax, XXXX XXXX XXXX Bank Balance {$150.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All XXXX of these illegal accounts were opened within a XXXX  day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX Equifax, XXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.

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 2024-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Today is XX/XX/2024 and my Mortgage payment has not been posted. The mailing address for my payments is : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
However, My XX/XX/2024 Statements address was : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
A different XXXX XXXX XXXX, I dont understand the deception. 
I have asked Select Portfolio Servicing, several times who owns My Mortgage Loan. So, on XX/XX/2024, I sent Select Portfolio Servicing, a Certified Letter, Requesting to know, the Owner of my Mortgage Loan. The letter was signed off and picked up on XX/XX/2024, By XXXX XXXX. I have a copy of the Signature Confirmation. Today is XX/XX/2024, and Select Portfolio Servicing, has still, not informed me, who is the owner of my mortgage Loan. It is Select Portfolio Servicing obligation to provide me the Name, Address, and Telephone number, of who owns My Mortgage Loan. Moreover, I have asked Select Portfolio Servicing, numerous times to post my payments, on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
Hello I setup enhanced direct deposits for my payroll into my Citibank checking account for {$100.00} bonus but havent got the bonus yet as per the terms. Their customer service is also unhelpful in resolving this issue. Hence I would like to request to kindly reach out to them so they can look into this and deposit {$100.00} bonus into my account. Thanks

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i contacted Transunion for the removal of old outdated information I am writing to request the removal of certain addresses and work history from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c.

As per the information listed in my credit report, I have identified several addresses and old work history which are either outdated or no longer relevant to my current circumstances. 

Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, PA XXXX Employers : XXXX XXXX XXXX XXXX  The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 
The following outdated addresses and phone numbers should be removed from my credit report : Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX, PA XXXX Employers : XXXX XXXX XXXX XXXX I believe that the presence of these obsolete addresses and old jobs does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 
I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 
I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 
Thank you for your prompt attention to this matter.

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 2024-03-09 00:00:00
Product: Credit reporting 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 XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C. 1681 section 604 A I t 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 non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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  Account XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and XXXX XXXX is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) states XXXX XXXX Equifax, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: CO

Complaint narrative:
Conns is using illegal tactics such as calling over 10 times in a day and hangs up when I say " are u calling to collect a debt or make it right ''. I've tried telling them they never delivered a new item per what I agreed. I have paid them for a few months in hope they fulfill their end of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX XXXX  XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number XXXX  XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
Funds locked in account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/24, I paid my XXXX XXXX Property Taxes online, as I have done for the past 16 years with my same Wells Fargo checking account, by entering my account number and routing number. 

On XX/XX/24, I received an email from the XXXX XXXX treasurer stating the payment was not successful due to : No Account/Unable to Locate Account ( refused by the payer 's bank ). I was assessed a {$25.00} penalty and interest in the amount of {$55.00}. 

I called Wells Fargo to see what happened and the female rep only confirmed the routing and account number I provided were correct and to resubmit but not what caused the problem. She directed me back to XXXX XXXX and would not investigate further.

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