vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite evidence that this is an UNLIQUIDATED debt in dispute in state court your XXXX XXXX XXXX XXXX, NY XXXX employees and your XXXX XXXX XXXX XXXX, IL XXXX employees continue to report inaccurate information on my credit report. I have contacted and will continue to contact every state and federal government agency available to enforce the laws you keep breaking for the obvious intended purpose to cause me harm. Several AGs, the FDIC, corporate oversight agencies and anyone else I can find to put a stop to your criminal behavior against me, have already been given my complaint in state court outlining your continued violation of credit reporting laws, FDCPA violations, deceptive biz practices, slander lible negligence to name a few. So I beg you to stop reporting inaccurate credit information, 2 months late status, the wrong address on the debt, the wrong month it was sold, the wrong agency that insures it because this debt is no longer with XXXX XXXX, the wrong monthly payment because u never paid ins in escrow XXXX, the wrong number of payments because I never made a payment and cant because it was fraudulently induced, and more. So please I beg you stop reporting this debt to the credit bureaus. Its just mean and intended to and does cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite evidence that this is an UNLIQUIDATED debt in dispute in state court your XXXX XXXX XXXX XXXX, NY XXXX employees and your XXXX XXXX XXXX XXXX, IL XXXX employees continue to report inaccurate information on my credit report. I have contacted and will continue to contact every state and federal government agency available to enforce the laws you keep breaking for the obvious intended purpose to cause me harm. Several AGs, the FDIC, corporate oversight agencies and anyone else I can find to put a stop to your criminal behavior against me, have already been given my complaint in state court outlining your continued violation of credit reporting laws, FDCPA violations, deceptive biz practices, slander lible negligence to name a few. So I beg you to stop reporting inaccurate credit information, 2 months late status, the wrong address on the debt, the wrong month it was sold, the wrong agency that insures it because this debt is no longer with XXXX XXXX, the wrong monthly payment because u never paid ins in escrow XXXX, the wrong number of payments because I never made a payment and cant because it was fraudulently induced, and more. So please I beg you stop reporting this debt to the credit bureaus. Its just mean and intended to and does cause me harm.

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 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted multiple times to dispute hard inquiries on my credit report from experian and XXXX and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.

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 2023-11-04 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: TX

Complaint narrative:
I have attempted multiple times to dispute hard inquiries on my credit report from experian and XXXX and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.

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 2023-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted multiple times to dispute hard inquiries on my credit report from XXXX  and equifax and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-04 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-04 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 A. Section 3, which states, I have the right to privacy as well as 15 USC 1681 Section 604 A. Section 2. Which also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b which states, a creditor may not treat a payment on a credit card account under an open consumer credit on a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 A. Section 3, which states, I have the right to privacy as well as 15 USC 1681 Section 604 A. Section 2. Which also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b which states, a creditor may not treat a payment on a credit card account under an open consumer credit on a open end consumer credit plan as late for any purpose.

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 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
I filed a group of disputes for unauthorized transactionsthat were made on my account from draft kings between XX/XX/23 and XX/XX/23 I have been approved then the next one will be denied and the next one will be approved and it goes back and forth like that and they are all from the same incident, when my phone and wallet were taken. How can only some of the charged I made be approved and some not it doesn't make sense. 5 different people have said u will get an email showing documents used to make the determine but I have gotten nothing everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
The company named below has been reporting to the Bureaus that I've had a CHARGED OFF ACCOUNTFIXED RATE since XX/XX/2018. The account shows a joint account ownership. I've even gone in person to find out, and report this fraudulent activity to them, and they refuse to produce any evidence, or documents, etc. 
Their information is listed below. 

AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite this debt being in dispute and its unliquidated character you continue to affirm inaccurate facts on my credit report. You have an outstanding amount due on my loan portal of {$13000.00} last month and {$15000.00} this month. Obviously you have not been paid. But you report you have been paid off on my credit report. That is inaccurate. XXXX XXXX XXXX XXXX, NY XXXX Recently reported the debt as paid. Nope. Not paid. Not yet. Prove it with a payoff statement. U cant. XXXX XXXX has yet to hold this debt.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite this debt being in dispute and its unliquidated character you continue to XXXX  inaccurate facts on my credit report. You have an outstanding amount due on my loan portal of {$13000.00} last month and {$15000.00} this month. Obviously you have not been paid. But you report you have been paid off on my credit report. That is inaccurate. XXXX XXXX XXXX XXXX, NY XXXX Recently reported the debt as paid. Nope. Not paid. Not yet. Prove it with a payoff statement. U cant. XXXX XXXX  has yet to hold this debt.

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 2023-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Original Loan Modification application # XXXX Residence XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX submitted as of XX/XX/2023. Furthermore, illegal migrant squatters vandalized and destroyed residence. The renovation and repair are be done from personal finance s. Seleene finance is not processing loan modification application and requesting research. Unfortunately, that bank has filed foreclosure mitigation due to Seleene finance unable to service loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband died and I requested a modification, However they did a modification without my income being involved.

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 2023-11-04 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
My account was put into forbearance and I have been unable to get an explanation from MOHELA. In addition, I submitted a request through their internal messaging system on XX/XX/23 asking when my PSLF would be completed as I am at 120 payments. Its now XXXX and Ive not had a response and my account is on forebearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-04 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I received an alert that a collection was placed on my credit file. Once I looked on there I notice a collection was placed with XXXX XXXX XXXX on my TransUnion credit file. I have no acknowledgement of this debt or understand how it just appeared out of nowhere on my report, so I disputed it. Additionally, I never received a validation letter or any communication from the credit buyer through any other means. This was all stated in the dispute with the TransUnion, but miraculously the dispute came back as verified as correct information. I don't know how that is possible when the credit buyer never sent out the notices required by law! This Company has done this in the past, and will now try and use the credit reporting agencies ( CRA ) and CFPB as middle men to try and pass validation/verification letters and other correspond through in hopes of it qualifying as their communication for FCRA purposes, which is also against the law, instead of sending that correspondence via certified mail like the regulations require. I would really like to know what XXXX relied on when verifying this account since there is nothing showing the acct. was verified unless it was forged.

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 2023-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention the issue I am currently facing with my TransferWise account. When I attempted to log in recently, I received a message stating that my account has been deactivated. 
I value the services provided by TransferWise and have been a loyal customer for over a year. I understand that there may be reasons for account deactivation, and I would like to take this opportunity to rectify any issues that may have led to this decision. I submitted an appeal and this is what I got as a reply from wise. " Thanks for your email. Unfortunately, I cant see why we closed your account Customer Support cant see this information. We know this is frustrating. To claim any remaining money or appeal this decision, please go here and follow the steps : http : //wise.comXXXX  Once youve made your appeal, our team will be in touch with updates. Let us know if you have any other questions. Were happy to help. Best, XXXX XXXX Wise '' I kindly request you to review my account status because this is a mistake. Reason being that I havent made a duplicate account or unauthorized payment or uncompleted payment arising to this decisions. If there are any outstanding requirements or concerns that need to be addressed, I am more than willing to cooperate and provide any necessary documentation. I have being operating with my business account via wise legally registered under the Registeration in the United State Alabama. I got up a few week ago just to my surprise, logging into my account I was told its deactivated. I have other business services to transact with supplies and I wish you can look into this for me to reactivate my account for me respectfully as I am ensuring I dont violate any regulations by your noble firm. 

I assure you that I am committed to adhering to all the policies and guidelines set forth by TransferWise. I genuinely appreciate your prompt attention to this matter and your assistance in reactivating my account. 

Please do not hesitate to contact me at XXXX  if you require any further information from my end. I look forward to your positive response and the reinstatement of my account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: PA

Complaint narrative:
I XXXX XXXX XXXX have fraudulent account and increase appearing on all three credit reports.

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