vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been billed for a Premium credit monitoring service provided by Experian at {$27.00} a month for the past 3-months. I have not used the services and was unaware of the charges. When I called Experian to question the billing and request a refund for the past 3-months, I was told they would only grant 2-months refund. I want all 3-months refunded to my bank account. Additionally, I want the service canceled. 

I am having a difficult time financially due to COVID-19 and it is unfair for Experian to take advantage of consumers during this time. As I have stated, I was not aware of the premium service, did not authorize these charges, and have not used the service. I ordered a basic service from them previously with my bank card. Experian used that bank card to bill me each month without my consent or knowledge. 

Sincerely, XXXX XXXX Experian Membership No.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 2021-01-20 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: OH

Complaint narrative:
THIS IS THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XXXX PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, XXXX, XXXX, XXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My dispute is with XXXX XXXX XXXX ( XXXX Visa Credit Card ) and Trans Union credit reporting. It started with an honest mistake with XXXX XXXX XXXX and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by Trans Union credit reporting agency. When I went to the Trans Union website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with XXXX XXXX XXXX went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How XXXX XXXX XXXX and Trans Union came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently XXXX XXXX XXXX lets Trans Union handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from XXXX XXXX XXXX denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge XXXX XXXX XXXX and Trans Union to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. 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 2021-01-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently pulled my reports from all three bureaus and notice inaccurate and fraudulent information. I believe that I am a victim 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 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Stearns Ventures, LLC
State: TX

Complaint narrative:
A government entity assisted me on my home mortgage during the Covid-19 outbreak by making a check for {$2100.00} that was mailed by accident to a prior servicer called Stearns Lending / XXXX. XXXX XXXX XXXX from the XXXX County Community Services Department Office of Social Services where check # XXXX was issue from for amount on the complaint letter. Myself and XXXX have contacted loancare numerous times requesting that they find this check asap which they cashed on XX/XX/2020 after check was send by mistake on XX/XX/2020. They provided a ticket reference # XXXX. They've been telling both us and giving us the lies that they escalate and someone's is tracing this. Now I asked you or anyone reading this XXXX has send photocopies of bank check showing loancare cashing this but refuses to refund back the amount or sending this amount to correct servicer which is XXXX XXXX Mortgage so my account is updated. Instead there playing around and trying to keep money for themselves which is theft. I've even called executive office today XXXX and spoke Mrs. XXXX which administrative to XXXX XXXX and acted very unprofessional and seemed not to care about situation at-hand. I asked anyone reading this check the reviews for yourself. Why would you want to do business with someone that's keeping a check that belongs to someone else. I've explained to several supervisors of this company XXXX got this check was given to me during the covid-19 to assist me with another loan that's not them. These individuals can care less making promises that they broke their self they never return my calls or anything instead which is bunch of Lies like I said on reviews. A company like this should not have a license to operate.

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 2021-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I did not call to close a account and. Did not talk to any one from. Bank of America to close My savings account. 
I did call to try to figure out why? they closed the account. They bank of america were not open.

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 2021-01-20 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: MI

Complaint narrative:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my girls Inquiries : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Equifax Mortgage XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX LXXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
XXXX provide breakdown of fees including any collection costs and medical charges XXXX a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: OH

Complaint narrative:
THIS IS THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XX/XX/ PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, SSXXXX, SSXXXX, SSXXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XX/XX/XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

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 2021-01-20 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: TX

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX  XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: PA

Complaint narrative:
I have recently disputed an account that is not mine on Equifax I would like them to resolve the dispute in a timely manner. I have filed a ftc report to support my claim so there shouldn't be any problem when removing this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, Wells Fargo credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. Wells Fargo did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused Wells Fargo to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with Wells Fargo on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with Wells Fargo on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I submitted documentation including a FTC report ID number along w/documents verifying my identity. I encourage you to take the time to actually look at this time instead of blowing me off with a generic response that does nothing but try to make the consumer look like an XXXX XXXX. This is now my third time trying to resolve this issue with you, Transunion. Once w/you directly an twice now through CFPB. I strongly advise you to take action this time so we are not forced to escalate this matter further. You are essentially harassing a victim and tossing their pain and suffering as a result of ID theft to the wind. Probably not a pretty picture to be painted for your image

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 2021-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.

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