vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
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 finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response  received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 








2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my 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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XXXX XXXX, 2019, I got scammed from a person named XXXX XXXX in XXXX asking me my account information to transfer {$490.00} through my WellsFaro banking account. 

After I realize its a scam, I contact Wells Fargo, however, they were unwilling to help and reverse the transaction of {$490.00} for 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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I was financed by this co. many years ago then in 2019 I filed Bankruptcy chapter XXXX and I included this company as part of my creditor. Now just got the discharged from the United states bankruptcy court my debt was discharged and fact was this debt with this creditor was included and protected under this law and now I went applied for a finance vehicle loan with this company they stated as denial to finance me in the letter they stated as follows : POOR CREDIT PERFORMANCE WITH US another word as I stated my debt with them already been protected by the US Bankruptcy chapter XXXX law and in order to get a loan with them they want me to pay them there for that is against a law of trying collect debt from me knowing it is protected under bankruptcy chapter XXXX law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: OH

Complaint narrative:
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

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 2020-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
The auto loan financial company is unwilling to refund payment I have sent to get back my vehicle. The company also known about gap insurance. The amount was {$2000.00} but no title or vehicle was returned. I never got my title for the vehicle or never received any refund towards the payment I have sent which was settlement to get my car repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: LEXISNEXIS
State: OH

Complaint narrative:
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TN

Complaint narrative:
THESE ACCOUNT WAS NEVER APPLIED FOR 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 2020-04-27 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: Innovis
State: OH

Complaint narrative:
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CORELOGIC INC
State: OH

Complaint narrative:
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

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 2020-04-27 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: OH

Complaint narrative:
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/2019, I got scammed {$1200.00} from the person called XXXX XXXX in my Associated Bank account. 

After reporting and disputing with associated bank for this scam and fraudulent activity, they refused to either reverse the transaction or refund the money back to my banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: GA

Complaint narrative:
Hello XXXX  : XX/XX/XXXX. I have contacted XXXX  Credit Bureau and i have made it aware that i am a victim of fraud. On XXXX of XXXX my wallet was lost and it came to my attention several years later that an account was opened under my name a few years later. I filed a police report on XXXX and i am sending you the attached report to confirm that it was an act of identity theft that was made on my consumer report. For the most part the accounts were removed and place back on to my consumer report. I believe it was suppressed on your end and not fully and permanently removed. To my understanding if an account was open without my knowledge and it was because of identity theft, it is out of my control and should be investigated immediately. I have sent in certified letters along with proof that this was identity theft. I am asking for an internal investigation for the following accounts that is listed on my consumer report to be investigated and removed permanently. If the accounts continue to report as an error on my consumer report, i will be faced to report your company live and show complaints on how your company is purposely placing errors on people consumer reports. I will be forced to take legal actions immediately upon this response. ( Dept of EducationXXXX  9 Accounts # XXXX ). I have 6 inquiries that is fraud related. ( XXXX XXXX XXXX  XXXX XX/XX/XXXX ), ( Global XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) If the erroneous accounts and information is placed onto my consumer report or if my personal information is sold to debt collectors i will be sure to take legal actions. I repeat do not attempt to resell and information to any debt collectors. This is not a threat. You are liable for the erroneous accounts.

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 2020-04-27 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: GA

Complaint narrative:
Hello XXXX  : XX/XX/XXXX. I have contacted XXXX   Credit Bureau and i have made it aware that i am a victim of fraud. On XXXX of XXXX my wallet was lost and it came to my attention several years later that an account was opened under my name a few years later. I filed a police report on XXXX and i am sending you the attached report to confirm that it was an act of identity theft that was made on my consumer report. For the most part the accounts were removed and place back on to my consumer report. I believe it was suppressed on your end and not fully and permanently removed. To my understanding if an account was open without my knowledge pertaining fraud and it was because of identity theft, it is out of my control and should be investigated immediately. I have sent in certified letters along with proof that this was identity theft. I am asking for an internal investigation for the following accounts that is listed on my consumer report to be investigated and removed permanently. If the accounts continue to report as an error on my consumer report, i will be faced to report your company live and show complaints on how your company is purposely placing errors on people consumer reports. I will be forced to take legal actions immediately upon this response. XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Cr XXXX XX/XX/XXXX XXXX, XXXX Pay Off ), ( XXXX XXXX  ), ( Dept Of Education ) If the erroneous accounts and information is placed onto my consumer report or if my personal information is sold to debt collectors i will be sure to take legal actions. I repeat do not attempt to resell and information to any debt collectors. This is not a threat. You are liable for the erroneous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
THESE INQUIRIES WERE DONE MISTAKENLY AND WITHOUT MY CONSENT I HAVE SENT THESE TO THE CREDIT BUREAUS WITH SEVERAL TIMES AND WAS TOLD INQUIRIES ARE ACTUAL. AS YOU CAN SEE THEY ARE NOT. 

XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX Inquiry from XX/XX/XXXX Finance XXXXXXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THESE INQUIRIES WERE DONE WITHOUT MY PERMISSION I HAVE NO KNOWLEDGE OF THEM 


XXXX XXXX XXXX
Other Collection Agencies
Inquiry date:XX/XX/XXXX
XXXX XXXX Auto Financing  Companies
Inquiry date: XX/XX/XXXXRemoval date:XX/XX/XXXX
XXXX XXXX XXXX XXXX  Auto Financing Companies
Inquiry date:XX/XX/XXXX
XXXX  XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX XXXX
All Banks - non specific
Inquiry date:XX/XX/XXXX
XXXX XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX
Auto Financing Companies
Inquiry date:XX/XX/XXXX XXXX
Auto Financing Companies
Inquiry date: 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 2020-04-27 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: TN

Complaint narrative:
THESE ACCOUNT WAS NEVER APPLIED FOR BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TN

Complaint narrative:
THESE ACCOUNT WAS NEVER APPLIED FOR 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 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: WI

Complaint narrative:
I got scammed from a vender selling defective product Online from my US Bank credit card for {$79.00}. Ive contacted vendor many times, unfortunately, never get a response. 

I tried to get help from US Bank credit card Financial institution company to dispute the charge. They were unable to 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 explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX - XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX Inquiry : XX/XX/2019 XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I received a voice message in XX/XX/2020 from collection Agency, IC System. It took me about a week to follow up with them, due to Covid 19 issues, to determine who they were and contacted them via telephone. The agent indicated that said debt was from company XXXX, which an online search reveals they provided internet/cable services. I informed the agent that I have never done business with XXXX  and that I believe this is identity theft as XXXX  does not service the XXXX XXXX area. The agent asked me to contact some other telephone number, I did not, but did send them a letter asking for verifiable validation of the debt, on XX/XX/2020. The letter also stated that IC System was not to take any action, that would be detrimental to my credit report, but on XX/XX/2020, I received a notification from XXXX  Credit reporting Agency, that there had been a change to my credit report. Upon review, there was a collection entry from IC System for the amount of {$440.00}. Subsequent, and in response to my letter that I sent them dated XX/XX/2020, I received a " collection notice '' from IC System, dated XX/XX/2020????. IC System took action that resulted in detriment to my credit history and credit score and because this debt is unverifiable and not validated, IC System violated the Fair Credit Reporting Act : Section 609 ( a ) ( 1 ) ( a ). They are required through the physical verification of the signed consumer contract - for all accounts you post on a credit report. They are in violation of law! In  addition, while reviewing my accounts with XXXX  and XXXX  yesterday, they too received the same collection credit reporting from IC System. I am outraged that this collection agency can break the law, ruin your credit and have little to no repercussions. I am fighting back!

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