vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
transunion and XXXX XXXX XXXX XXXXXXXX XXXX is committing interstate fraud, illegal activity, and violation of federal law, maryland, texas and district of Columbia law. they are destroying a XXXX veterans health and causing him to be XXXX, and are legally liable for their actions. they are ILLEGALLY and fraudulently re-inserting a false, fraudulent collection that is false and fraud that I do not owe and have never owed on my credit report AND IS not MY ACCOUNT AND I DO NOT OWE!! this is a re-insertion. see previous deletion attached. this is a fraudulant illegal collection account RE-INSERTION that I DO NOT OWE And AM NOT REPSONSIBLE FOR!! XXXX XXXX XXXX AND TRANSUNION ARE VIOLATING FEDERAL AND STATE LAW AND HAVE BEEN REPORTED TO THE ATTORNEY GENERALS OF DC, TEXAS, AND ILLINOIS, AND CALIFORNIA, WHERE TRANSUNION HEADQUARTERS ARE LOCATED. I HAVE ALSO FILED MULTIPLE XXXX COMPLAINTS AGAINST THESE COMPANIES, AND HAVE THE STATES ATTORNEY GENERALS INVESTIGATING YOU FOR FRAUD!! I DO NOT OWE THIS COMPANY AND THIS IS FRAUDULANT AND ILLEGAL. REMOVE THIS COLLECTION FROM MY CREDIT REPORT IMMEDIATELY TRANSUNION OR I WILL SUE YOU FOR FRAUD, PAIN, SUFFERING, EMOTIONAL DISTRESS, XXXX, AND MY MEDICAL BILLS. YOU ARE PREVENTING A XXXX VETERAN FROM BEING HOUSED AND FOR THAT YOU SHOULD BE SUED AND YOUR XXXX XXXX, FCRA LAW VIOLATING, CORPORATE LEADERSHIP THROWN IN JAIL!! YOU ARE DESTROYING A VETERANS LIFE YOU XXXX XXXX XXXX XXXX!!! REMOVE THIS ITEM FROM MY CREDIT REPORT IMMEDIATELY!! IT IS FRAUD, NOT VALID, ILLEGAL, FALSE REPORTING AND A RE-INSERTION OF A FRAUDULANT ILLEGAL ACCOUNT!! TRANSUNION IS VIOLATING THE LAW AND DID NOT PROVED THIS FRAUDULANT ILLEGAL ACCOUNT BEFORE RE-INSERTION TODAY. TRANSUNION DID NOT SEND ME A RE-INSERTION LETTER FOR THIS FALSE, FRAUDULANT ACCOUNT THAT I DO NOT OWE!! XXXX BOTH OF YOUR COMPANIES, 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 2022-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
My title loan with Ally Financial was paid in full with XXXX on XX/XX/2022. I was told by Ally the lien release and payoff letter would be mailed within 5 business days. I have contacted the company several time and still have not received the documents. I have been told by them the documents have been or would be mailed. I received and email from them on XX/XX/2022 stating the documents were mailed. On XX/XX/2022 I was told the documents would be sent via XXXX. I still am not in possession of the lien release or payoff letter.

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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing Inc contacted me regarding a XXXX XXXX Account Number XXXX and an outstanding payment of {$92.00}. When I contacted XXXX they had no record of this. They could not bring up the account number of the pending amount. Moreover all my XXXX accounts are on auto-pay so this was a big surprise. 


Convergent Outsourcing Inc has been falsely collecting or pretending to collect bills on behalf of companies. They should be reported for fraud and investigated. I have sent them a copy of my transcript with the customer service rep who mentioned he could not pull up any account # or past due details. I was never contacted by XXXX and yet randomly got a bill from convergent LLC. 

Convergent Outsourcing Inc XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, WA, 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 2022-04-20 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 Account # XXXX XXXX XXXXXXXX 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 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 Account # XXXX XXXX XXXX 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 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 Account # XXXX XXXX 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 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  Account # XXXX XXXX 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 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  Account # XXXX XXXX XXXX XXXX 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 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 Account # XXXX US. DEPT. OF EDUCATION 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 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 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in 2017 and my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. 

Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. 

The account that I saw on my credit was The Bureaus Inc Account Number XXXX Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and The Bureaus Inc information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. 

Please hold them accountable for not verifying whoever used my information to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had ben a customer with Wells Fargo in XXXX area for approx 20 yrs. I was unhappy about some of their banking practices, so I moved over to XXXX approx 2years ago. On approx XX/XX/XXXX I revieved a settlement check from Wells for a class action law suit for XXXX ( I will attach copy of this check ). I went into a local branch in our community of XXXX, MN on approx XXXX to cash. They refused to cash the check as the law suit against Wells was issued by " XXXXXXXX XXXX  ''. The branch manager XXXX # XXXX explained the corp procedure, but agreed it was not right, so he opened up a complaint to his corp hdqtrs ofc and I received a # XXXX with their consumer advocate team. Approx XXXX I called XXXX and was told to ask for XXXX. After 4 unreturned calls and over a week went by, I finally got in touch with a XXXX XXXX. She did tell me that she would research to help with cashing the check and call me back ASAP. On XX/XX/XXXX I get her phone call and she reads to me the procedure that I would have to open a account with Wells to cash or deposit at my other bank, but they refuse to cash at our local branch. This is consumer FRAUD! You settle a lawsuit and then refuse to cash the check???? Something wrong here, not worth getting an attorney, but I would like to see CFPB get on top of this as their regulator and force them to cash " THEIR SETTMENT CHECK '' Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I settled the debt and keep call me and it on collect that I didnt not paid it, it was paid in full. they agreement to settled with 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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

XXXX XXXX XXXX ACT # XXXX XXXX. XXXX ( NO PAYMENT HISTORY WHICH MAKES IT INACURATE ) ACT # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX 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 an account without my written instructions 15 U.S.C. 1681 c. ( 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. 


XXXXALSO HAVE PROOF THAT THE COLLECTION AGENCY HAVE DECIDED TO NOT RESPOND TO ME BUT IS STILL BEING REPORTED. *

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 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank Bank NA Issued 2021 Tax Year 1099 C Cancellation of Debt Debtor TIN XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XXXX this the last 4 of my social security ) Citibank NA has no record from my identity by name address or social security There is no record of this debt on my credit report There is no account in Citibank by account number on the 1099 nor my social security number. 
The police were contacted yet unable to act since there is no suspect or account to act upon, only a 1099. This is likely an error in the credit card company I went to the IRS and the Police. Citibank has made an error or they need to verify the account and provide all historical statements to include money disbursed and collect from whom. What bank was used to disburse money and what type of account is this. 

Claim Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Accounts opened in my name from the internet in XXXX and closed 2 months later in XXXX, never was notified. I believe that my entire account at Wells Fargo was subject to fraudulent activity. I was never notified. I had over 10 accounts opened in my name. I have never had access to a full set of statements. I became XXXX  in less than 2 years after depositing over XXXX in XXXX. 

I have many files but I don't want to open myself up to more possibilities of identity theft.

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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage company, PHH Mortgage Services, XXXX XXXX  XXXX, XXXX XXXX. N.J. XXXX, will not give me a payoff statement or provide me with a payoff amount without me paying a fee. This is just the latest of fees they want from me for any information on my loan account. In the past, for example, I had to pay a fee in order to make a large payment to bring down the debt. 

These fees make it harder for me to make payments. I am asking them to provide me with a payoff statement or amount, but they want to charge me fees. I don't think it is legal, and it certainly is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter to Experian on XX/XX/22 regarding a formal request for Verification Procedures. They failed to send out this verification but instead they sent me an email stating that the company reported the information as accurate. This was my second attempt requesting that Experian provide proof of the verification procedures.

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the banks to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my Chex systems report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, [ Your name ] Enclosures : Social, ID, Identity Theft 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 explanation
Consumer complaint received 2022-04-20 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-20 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An online bank account was opened in my former name with a zero deposit, but with my proper social security number. I have successfully closed the bank account, but am trying to stop further events like this from happening.

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 2022-04-20 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:
On XX/XX/2022, I discovered multiple accounts on my credit report including one collection that did not belong to me, that happened right after I pulled my credit report. I do not know how, but the accounts were there, this is my first time trying to remove the following accounts that are not mine, XXXX XXXX  XXXX ( XXXX ), XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX, these alleged accounts are not mine, and they need to be remove from my credit report, because they are part of an issue with Identity Theft and, I am now reaching the CFPB to do a complaint and accelerate the process of fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
On XX/XX/2022, I discovered multiple accounts on my credit report including one collection that did not belong to me, that happened right after I pulled my credit report. I do not know how, but the accounts were there, this is my first time trying to remove the following accounts that are not mine, XXXX & XXXX ( XXXX ), XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, these alleged accounts are not mine, and they need to be remove from my credit report, because they are part of an issue with Identity Theft and, I am now reaching the CFPB to do a complaint and accelerate the process of fixing this issue.

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