vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: NJ

Complaint narrative:
I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : 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 2024-03-13 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: NJ

Complaint narrative:
I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Keeping up with timely payments has been a priority for me on this account, always avoiding overdue status. I'm unclear why there are mentions of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections are warranted.

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 2024-03-13 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
My personal information was impacted by the XXXX data breach. l have been a victim of identity theft. I have contacted the company to dispute and get the account removed. They have failed to do so. They are aware and acknowledge that this account is fraudulent. I want this account deleted and removed from my credit report immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL. In XXXX of XXXX I filed XXXX XXXX personal bankruptcy and lost my business. In XXXX of XXXX the bankruptcy was discharged. After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXX XXXX in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. XXXX of XXXX I get a call from XXXX XXXXXXXX XXXX  asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. I think the mistake is in the fact that the facilitator XXXX XXXX XXXX and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and XXXX XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-03-13 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: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. Despite numerous attempts to rectify this matter, I am disappointed to inform you that I have yet to receive a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. Despite numerous attempts to rectify this matter, I am disappointed to inform you that I have yet to receive a satisfactory resolution.

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 2024-03-13 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: MS

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report. The inquiry is unauthorized and not associated with any application or credit request made by me.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information outlined in this document is not mine.

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 2024-03-13 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: MA

Complaint narrative:
Reached out to credit bureau to remove items off credit report. Provided proof of identity theft. Violation of 15 U.S Code 1681s-2 ( b ).

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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a regions now card account in XX/XX/2024 prior to me opening this prepaid account I had a closed account with a cashier 's check that went missing on XXXX in the amount of XXXX. I have come to the knowledge that the post office is where it was stolen from. The regions bank branch in question is directly across the street. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX weeks after opening the prepaid account I received a check for reimbursement from my car tags from the dealer I purchased my new car at. The check was for XXXX I went into the branch and attempted to cash this check. The teller told me I could not cash it on that account.I explained to her even the regions now app has check deposit availability. She confirmed to tell me I could not cash a check neither with them or thru the third party check cashing they do. I was so baffled. I had to go to a separate bank altogether and cash this check and wait till the weekend was over to receive the money. 
I then asked the women about an illegal account opened in my name there because of this missing check. She looked shocked and went off from the clerk area and came back after a few minutes and told me she didn't know. Was not willing to look into the illegally opened account.

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 2024-03-13 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: IL

Complaint narrative:
" I discovered that my stepfather had created an email account in my name and used his credit card to open a line of credit without my knowledge or consent. As a result, I recently received a notification about a late payment on an account I had no prior knowledge of which has dropped my score by XXXX points.

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 2024-03-13 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: IL

Complaint narrative:
" I discovered that my stepfather had created an email account in my name and used his credit card to open a line of credit without my knowledge or consent. As a result, I recently received a notification about a late payment on an account I had no prior knowledge of which has dropped my score by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I signed up for a Wells Fargo XXXX XXXX XXXX to transfer balances from other credit cards to their 0 % balance promotion. They did not disclose that it would take two-weeks and I had a balance that would incur a deferred interest amount by the XXXX of XXXX. I paid the balance and asked them to stop the transfer. I went into a Wells Fargo branch and asked the banker assigned to call and cancel. The Active cash rep told the banker they could not because the transfer had been completed. I contacted Wells Fargo 6 times from XX/XX/XXXX to XX/XX/XXXX to have this and another transfer created by mistake cancelled but all I was told was that I would have to have the monies sent back from the creditors they over paid. 

I have since asked them to refund the monies and cancel the account. I have only received an email acknowledging my XXXX email and nothing regarding the physical onsite attempt to correct the transfer and nothing from the XXXX phone calls. Today the XXXX of XXXX I have a new balance of {$10.00}, XXXX that includes {$3900.00} of overpayments that I had tried to stop. I believe I have been given false information and taken advantage of. I wish to have the account closed, as I have requested many times.

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 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Hello, I submitted my insurance declarations and have the paper trail. My insurance is currently {$3200.00} per year. Mr. cooper failed to connect my active insurance and purchased {$8000.00} insurance on my behalf. I would like a refund or I will need to seek legal remedies. Please see attached. Loan number XXXX. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I filed a dispute with XXXX on XX/XX/XXXX, I had already sent my documents and a cover letter to XXXX on XX/XX/XXXX, and I have to send also a copy of my ID. 

The Company that the Dispute is against, Jefferson Capital System is an collection for XXXX stating that I owe them {$1200.00}. 
I never owned an XXXX phone, I am a value customer with XXXX XXXX since XX/XX/XXXX. And I am still a value customer. 

My old/previous was : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX. 
Those other addresses are not mine nor lived at. 

I am requesting that those other addresses be removed from my credit report. 

My current address is : XXXX XXXX XXXX XXXX, XXXX, VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX Account number : XXXX - XXXX XXXX XXXX  Account number : XXXX - XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ASTA FUNDING INC.
State: TX

Complaint narrative:
palisades collections llc has illegally had a judgment filed against me in the amount of {$1300.00} from XX/XX/2010 which is a violation to Indiana statue of limitations of 6 years to pursue a collection. ive been a victim of identity theft multiple times including this one which is why i asked for the original document showing my signature of any loan agreement with the original creditor which they refused to send me and continued to break the law and pursue this legally. Palisades practices illegal attempts to bully and harass people into debt they do not owe and refuses to show legal proof of the original debt when requested. This company is not even BBB certified and has multiple complaints against them due to their illegal scare tactics to collect debt that is not owed and can not verify. I have the documents they submitted DO NOT BELONG TO ME, they refuse to submit the original contract with my signature showing proof this debt is valid nor have i EVER lived at the address listed below on the document. Furthermore I have never been notified nor served by this company or made a payment on any debt which makes their previous response to this complaint a complete LIE. WHICH I HAVE ALSO PROVEDE BELOW SO THEY CANT TRY TO RESUBMIT THE SAME FAKE DOCUMENTS. SUBMIT THE DOCUMENTS I REQUESTED WHICH IS MY SIGNATURE ON THE ORIGNAL CONTRACT TO THIS DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a credit card with Wells Fargo. I have an XXXX credit score and have never missed a payment. I received a letter saying unable to verify my SS/TID number so called the company to correct this. They refused to provide me with information or re open to application ; saying I could completely reapply. When I applied it dinged my credit score over XXXX points and I was declined for some reason I can not dispute, while dealing with a major credit score ding and a rejection which means I can not apply to another credit card for quite some time.

The person I spoke to was unhelpful and refused to help me 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
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am not aware of this debt, and I did not have an opportunity to dispute this information. If you believe that you gave me proper notification, please send me a certified receipt with my name on it and my signature stating that I received it.

Company response to consumer: Closed with explanation