vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 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: FISERV FINXACT CORE
State: MI

Complaint narrative:
My stimulus check was sent on a card and was sent to an old address someone got the card and activated it and withdrew all of the money off of the card. When I learned about this I disputed it as fraud and filed a police report sent all of this information in and they didn't investigate it they just denied my dispute stating inconsistent conflicting information! I've asked plenty of times for the information they used in reaching the denial and yet they haven't sent me anything as of yet and per law I am to be provided that if asked for and if nothing was used to reach the denial how was a denial reached with the police report and all I still have all of my paperwork that was sent and turned in including the police report and will forward it to you if needed. The company name is money network I don't know why my stimulus check was sent via card when my bank account number was on my tax paperwork and everything should've been deposited in my bank account to stop fraud yet it never was a check was mailed the first time for the stimulus check and was stolen and cashed without my consent I didn't cash it this is the second time this has happened and I'm tired of it im out of {$2700.00} and I've been appealing my decision and still nothing showing why it was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on MRS BPO, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Three Credit Bureaus are reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY 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 non-monetary relief
Consumer complaint received 2021-12-04 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have wrote and sent letters to Transunion credit reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have a public bankruptcy removed that was dismissed back XXXX went to the XXXX XXXXXXXX XXXX  received certified letter stating they are not reporting the dismissed bankruptcy to any credit bureaus because no money is owed on the dismissed bankrupt and I sent letter to Transunion on 4 separate occasions and I keep getting letters stating they have verified the bankruptcy and I went back to the court which provided me with another letter stating that is incorrect because they did not validate any bankruptcy with Transunion. And they still have not removed the incorrect public record from my report

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 2021-12-04 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: OR

Complaint narrative:
These agencies include Equifax, XXXX, and XXXX. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to Equifax, XXXX, and XXXX they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX XXXX IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with Equifax, XXXX, and XXXX is crossed wrong, multiple files with mine and my wife. info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well Fargo XXXX closed my account ending in XXXX and unable to reopen it with a zero balance I would like for this store reopen with a {$1000.00} credit limit .. company refused to reopen 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 2021-12-04 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX  XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I submitted a dispute in regards to a bankruptcy on my credit file and TransUnion responded on XX/XX/2021 ( report # XXXX ) that the bankruptcy was verified but not specified. I wrote them another letter on XX/XX/2021 and sent it certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) letting them know that I was requesting a description of procedures as stated by 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) of the FCRA. I requested a description of the procedure used to determine the accuracy and completeness of the information they provided to me from the XX/XX/2021 dispute.I asked them to provide the business names and addresses of any furnisher, vendor of information contacted in connection with such information and the telephone number of such furnisher. I also let them know that this Information could have not been provided by the courthouse because I attached them the letter from the court which stated that they did not provide them with the Information. Today, XX/XX/2021 I received a letter in the mail from TransUnion stating that they were not going to investigate this matter, but I didn't request another dispute investigation, I requested the description of procedures. I feel that they are in violation of the FCRA by not responding to 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) which says they have 15 days to respond with the information. 

Please see attached for all information that was sent and received. This will also be filed with NJ attorney general and FTC.

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 2021-12-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed that my profile report contains unauthorized accounts that are illegal. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be re-examined in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my information was exposed as a result of the Equifax data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FCRA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I'll seek a default judgment and file a class action lawsuit under TILA 1640 on behalf of at least 1 % of the corporation for violations, XXXX, and XXXX XXXX, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
This debt is not mine I have been in touch with the company through XXXX XXXX and the debt is still showing on my credit report. I am XXXX XXXX XXXX XXXX, I am a veteran and I have my own medical insurance. 

I did not call any ambulance to transport me t o any hospital. This collection agency did not even try to contact me before they placed this damaging collection account on my credit report. There was no verification if they even had the right person and they dont appear to be in any hurry to correct it. 




WAKEFIELD AND ASSOCI Last reported XX/XX/2021 {$1700.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/2021 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes- reinvestigation in progress Original creditor name XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
These agencies include XXXX, XXXX, and TransUnion. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to XXXX, XXXX, and TransUnion they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX office IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with XXXX, XXXX, and TransUnion is crossed wrong, multiple files with mine and my wife. info

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 2021-12-04 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: TX

Complaint narrative:
XXXX XXXX XXXX  has reported different information to both XXXX and Equifax. On Equifax it is showing perfect payment history and account reflecting close and paid satisfactory. With XXXX they are reporting derogatory with all late payments. Both XXXX XXXX Equifax are saying the account has been verified yet different information is being reported. I have never had an account with this XXXX XXXX XXXX and the information they are reporting is conflicting and very different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent via certified mail, my Affidavit of Truth which was notorized, stating I do not owe American Express any alleged debts. In my attachment are the original documents sent and my certified mail receipt. They received my affidavit and did not respond with an affidavit or any proof that I owed them a debt. They sent back billing statements which do not prove anything at all. I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. On XX/XX/XXXX, I was served papers of a lawsuit. I am now being harassed and extorted from a private company/agent, American Express Legal , represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and XXXX5 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the Peace and Friendship Treaty of Morocco and The Treaty of the Delaware Indians. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
I Received a call from XXXX XXXX from Cbj Credit Recovery Inc stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, The bill was paid in full and I provided proof to. This company have over 500 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my way of living. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received a bank statement XX/XX/XXXX ( my prior name in XXXX and earlier ) for an account I did not open. I have never used TD Bank either. When checking XXXX, there was a notification that the account was opened on XX/XX/XXXX. I did not open this account. 

I tried to reach TD Bank but after waiting over an hour there was never any response. The closest branch is over an hour away to visit in person. 

This account was opened fraudulently and TD Bank reps are not reachable.

Company response to consumer: Closed with non-monetary relief