vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Open Date : XX/XX/XXXX Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Open Date : XX/XX/XXXX Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the Equifax shall block 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. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

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 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

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2022 I sent a personal dispute letter to Equifax to correct my address. I also called them on the phone to correct it as well. As of today they will not remove the apartment number from my address. I have sent them a copy of my drivers liscense, a copy of my light bill showing my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I don't waste my time contacting Wells Fargo 's card dept. anymore. The calls always end up at corporate with my complaining, because the people they hire are dangerously uninformed, ill trained and inept! So I figure I'll do it this way. When my account balance goes over the limit they report it so fast it'll make your head spin! When my balance is under the limit they take too long to report it like now. I made a payment to bring down the balance on XX/XX/22 for {$210.00}. That payment is not reflected on the report I ran today. I paid on my other credit cards and the payments have already posted and updated. What is XXXX problem? One of my lender 's expressed disdain for them due to their repeated horrible customer service. Couldn't agree more! I made yet another payment on XX/XX/22 which was sent to them today. It won't show up until XX/XX/22. However, they won't report it to any of the bureaus for 60 days! They have been charging me a cash advance fee for 2 years on {$100.00} advance! They try to keep justifying it but it's XXXX and they know it! 2 years charging a cash advance fee expresses their greed and law breaking. The Comtroller of the Currency is too friendly with them so they're a waste of time. As long as I have a balance they'll keep charging me the fees monthly and continue to be uber slow to report to the bureaus the positive info that they fail to do timely. If my other creditors can do it quick why can't they? They're a much larger corporation than those banks are. This just speaks to why no one trusts this bank, and why their customers hate them. Because of them my scores remain low due them leaving negative info on my report longer than positive. I've not had too many instances where they've not been paid on time and there are NO XXXX  day lates of any kind on my account! When I am a little late paying they call me repeatedly daily. When I need help from them with questions or whatever they don't assist but give me a hard time or force me to have to complain to corporate who also really doesn't do much. It's an across the board problem with this bank. I don't foresee them ever getting better. Its gone downhill fast ever since XXXX XXXX was forced out.

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 monetary relief
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX CO ) XXXX Open Date : XX/XX/XXXX 2019 Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) XXXX Open Date : XXXX XXXX, 2020 Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Secret XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX Ct, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX Wy, XXXX XXXX XXXX CA, 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 2022-08-17 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: CA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX CO ) XXXX Open Date : XXXX XXXX, 2019 Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) XXXX Open Date : XXXX XXXX, 2020 Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Secret XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX Ct, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX Wy, XXXX XXXX XXXX CA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE  EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: AZ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-08-17 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: AZ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX2006 Balance : {$0.00}. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX Opened : XX/XX/XXXX/1996 Balance : {$0.00}

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 2022-08-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been checking my credit score with all three agencies for months due to identity theft and because I have been working on raising my score to purchase a home. My score has been going up due to a credit score loan that I have been paying on early, my credit went from XXXX to XXXX since XXXX, I look every day, today I went on credit karma and it said Equifax score down XXXX points, it has a button to see what's changed, it stated nothing has changed, I called them because there is nothing at all that has changed in my credit report, they can't even find any changes. I asked them to explain what happened to drop my score XXXX points in one day. They told me nothing has changed on my credit report and can not explain the XXXX point drop in my score overnight. They will not look into the issue any further because they said they're has been no changes as I have proof of. They still will not fix the problem even though they agreed there was no reason for the drop. I want this fixed. There have been no changes, no accounts added, my accounts are frozen from any potential additional accounts being opened. But they will not investigate the problem that is obviously a mistake. My other credit report agencies did not have any drop in my score, in fact they are all increasing. Equifax is not giving any information as to why this would happen they have no explanation. I told them I was filing a complaint with consumer protection. I am two days away from going to lenders to pre-qualify for a home loan and now I can't due to Equifax dropping my score XXXX points over night with zero explanation. And they will not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have already filed two complaints with CFPB about US Bank ( see previous complaint reports linked to my file ). CFPB did an excellent job of following through with US Bank, who promised to resolve the issue -- which US Bank did, only after being contacted by CFPB -- and removed my name and credit history from this HELOC. 
However, I recently started receiving letters, again, from US Bank, who are STILL TRYING TO COLLECT ON THIS HELOC. The letters come addressed to my DECEASED ex-husband at my home address. All parties involved have declared that I am not responsible for this debt, and my ex husband obviously is deceased. I have called repeatedly and told them this it is upsetting to have these letters continue to arrive in my mailbox. This debt should have been closed out years ago ( this has been going on for XXXX years ). I need them to STOP sending these form letters to my house.

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