vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX also this account : US DEPT ED XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them 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 non-monetary relief
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX also this account : US DEPT ED XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Block, Inc.
State: KS

Complaint narrative:
I just enrolled into XXXX XXXX  XXXX XXXX  app because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think XXXX since XX/XX/1922 XXXX showing my social security number with the wrong address and the other XXXX with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the XXXX  XXXX as told to me through XXXX XXXX XXXX XXXX  app. Also I have received strange inquiries through my text msg on my cell number recently through cash app asking me to receive an money request and I have no cash app in my name. Also I reported last month the same as I received an email about a XXXX account that I never opened which I called them and reported it. As well as there is XXXX old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely hitech computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. Missouri who would beat the XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an evergy bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX  accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX ks that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXXXXXX account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from Experian from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those 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 2022-06-08 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: CA

Complaint narrative:
I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those 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 explanation
Consumer complaint received 2022-06-08 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: CA

Complaint narrative:
I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX  account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX  complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Wednesday XX/XX/XXXX I unlocked my debit card so that my rent funds could be deducted overnight and I woke up to XXXX unauthorized transactions from an account I am not familiar with. I immediately contacted Chime and they immediately denied my claim. I asked that they reopen it and investigate due to me not making the transactions. They were made about XXXX and I was sleeping in bed and had my card physically with me. They reopened my dispute and said I should have a resolution by XXXX XXXX. So 3 months I have waited patiently when all I want is my money so that I can close my acct. i contacted chime on XXXX XXXX because there has yet to be a resolution to my dispute and they said they sent an escalation to the investigation department and that they would contact me with in XXXX business days because they dont know why its not resolved. Of course no one contacted me so I reached out again Monday XX/XX/2022 and again no one had answers so they escalated it up again to the investigation department and said again someone will contact me in 3 business days. No one still did not contact me. So I just contacted them today XX/XX/2022 only for them to tell me that the investigation team just yesterday XX/XX/XXXX, requested a charge back from the merchant and that it can take up to another 30 days. At this point I am livid because why would the company just now be trying to initiate a charge back from the merchant knowing I didnt do these transactions. Chime dispute process has to be one of the worst I have encountered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have video where I can see tellers info from the drive up at chase that is not my account information. I have contacted the market director XXXX XXXX and the Executive Market  XXXX XXXX XXXX They will not respond nor fix the issue regarding the privacy violations. Please provide an email address and I will send the video that shows teller 1 information clearly that does not pertain to my transaction. I would also note XXXX did not return my drivers license so I would have to return to the branch. This further substantiates my point that XXXX XXXX has been harassing me ever time I go to this branch. I have brought this up to the branch managers on more than one occasion. Yet the executive management team does nothing to rectify the discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TX

Complaint narrative:
- In accordance with the fair credit reporting Act XXXX  XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX, XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

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

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 2022-06-08 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-06-08 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TX

Complaint narrative:
- In accordance with the fair credit reporting Act XXXX  XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX, XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Paypal Holdings, Inc
State: KS

Complaint narrative:
I just enrolled into XXXX XXXXXXXX XXXX XXXX XXXX because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think 4 since XX/XX/1922 one showing my social security number with the wrong address and the other 3 with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the dark web as told to me through XXXX XXXX XXXX XXXX XXXX. Also I have received strange inquiries through my text msg on my cell number recently through XXXX XXXX asking me to receive an money request and I have no XXXX XXXX XXXXn my name. Also I reported last month the same as I received an email about a PayPal account that I never opened which I called them and reported it. As well as there is two old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely XXXX  computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. XXXX  who would XXXX XXXX XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an XXXX  bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX  accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX XXXX  that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank lied about purchasing my Mortgage loan debt with their recording of the Assignment of Deed of Trust on XX/XX/XXXX, and had the document recorded at XXXX XXXX Register of Deeds, as it said on the document that it paid value for the Mortgage loan. 

Wells who not entitled to perform a non-judicial foreclosure as it did not hold the Mortgage Note as a party that was owned a debt and was at the time holding the Mortgage Note for XXXX XXXX as the custodian of records and not as debt holder. 

Wells misrepresented to the State of Nebraska that they held the debt but in fact was not owed a debt and could not collect for XXXX XXXX who after the fact they said they were working for to collect a Mortgage debt that XXXX XXXX did not purchase any Mortgage debt as they never extended a loan or purchased Mortgage debt. 

XXXX refuses to provide proof of paying value for the Mortgage loan and their bogus claim that they used in claiming that they purchased a loan from XXXX XXXX on XX/XX/XXXX, to remove the Mortgage loan from the XXXX XXXX XXXX has nothing to do with real estate as the property at XXXX XXXX XXXX XXXX XXXX was illegally sold on XX/XX/XXXX, which no assignment of deed is available because no property is involved as it was extinguish 11 days prior! 

Because neither XXXX XXXX or Wells Fargo Bank had ever paid a value for the Mortgage loan that neither paid monies for or originated so a non-judicial foreclosure is not available to either XXXX or XXXX and did not possess the to foreclose as neither was owed a debt from me! 

XXXX refuses to provide proof of purchase and the fact that they were the custodian of records for XXXX XXXX did not make them Holder in due course, but only the holder of the Mortgage Note for XXXX XXXX who is prevented by US Congress from buying or selling a Mortgage loan! 

Where is the proof of a sell of the Mortgage loan to Wells Fargo Bank as stated in the Assignment of Deed of Trust recorded on 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 explanation
Consumer complaint received 2022-06-08 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: TX

Complaint narrative:
I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.

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 2022-06-08 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: TX

Complaint narrative:
I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TX

Complaint narrative:
I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.

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