vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: TX

Complaint narrative:
XXXX OR XXXX XXXX XXXX XXXX SHOWS ME AS HAVING OPENED AN ACCOUNT WITH THEM IN XXXX OF XXXX. I HAVE BEEN FIGHTING WITH THE XXXX CREDIT BUREAUS TO GET IT REMOVED AND THE PROTECT THE BUSINESS SAYING ITS MY ACCOUNT. I HAVE FOUND A GUY NAMED XXXX XXXX FROM XXXX XXXX XXXX IS FROM SHOWED UP ON MY DARK WEB SEARCHES FROM FICO. XXXX XXXX XXXX IS XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER LAST XXXX ARE XXXX IRONICALLY THE SAME AS MINE. HE IS FROM XXXX TEXAS ZIP CODE XXXX AND LAST FOUR OF HIS DL IS XXXX. IT SAYS HE WASINVOLVED WITH XXXX XXXX BREACH WHICH OCCURRED XXXX OF XXXX IRONICALLY THE SAME TIME THE ACCOUNT WAS OPENED BUT THE THRE CREDIT COMPANIES AGAIN TAKE THE WORD OF THE BUSINESS INSTEAD OF TGE CONSUMER. XXXX PHONE NUMBER IS XXXX. AS MUCH AS I HAVE DISPUTED THIS WITH THE XXXX XXXXXXXX AND XXXX SIDING WITH THE COMPANY THIS SHOWS XXXX CONSUMER HAS TO DO HIS ON RESEARCH TO PROVE THE TRUTH AND GET YOUR CREDIT REPORT COEANED UP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: TX

Complaint narrative:
XXXX OR XXXX XXXX XXXX XXXX SHOWS ME AS HAVING OPENED AN ACCOUNT WITH THEM IN XXXX OF XXXX. I HAVE BEEN FIGHTING WITH THE THREE CREDIT BUREAUS TO GET IT REMOVED AND THE PROTECT THE BUSINESS SAYING ITS MY ACCOUNT. I HAVE FOUND A GUY NAMED XXXX XXXX FROM XXXX XXXX XXXX IS FROM SHOWED UP ON XXXX XXXX XXXX SEARCHES FROM XXXX. XXXX XXXX DOB IS XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER LAST FOUR ARE XXXX IRONICALLY THE SAME AS MINE. HE IS FROM XXXX TEXAS ZIP CODE XXXX AND LAST XXXX OF HIS DL IS XXXX. IT SAYS HE WASINVOLVED WITH XXXX XXXX BREACH WHICH OCCURRED XXXX OF XXXX IRONICALLY THE SAME TIME THE ACCOUNT WAS OPENED BUT THE THRE CREDIT COMPANIES AGAIN TAKE THE WORD OF THE BUSINESS INSTEAD OF TGE CONSUMER. XXXX PHONE NUMBER IS XXXX. AS MUCH AS I HAVE DISPUTED THIS WITH THE BIG THREE AND TGEM SIDING WITH THE COMPANY THIS SHOWS TGE CONSUMER HAS TO DO HIS ON RESEARCH TO PROVE THE TRUTH AND GET YOUR CREDIT REPORT COEANED UP.

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 2023-06-30 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: TX

Complaint narrative:
No changes from Transunion on the illegal credit reports from them.

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 2023-06-30 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: FL

Complaint narrative:
It has been a battle going through this and I am writing to delete the only account listed in my file.. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with CHILDSUPPORT showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX : {$11000.00}

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 2023-06-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was sent an escrow refund check for XXXX USD in XXXX, apparently. It was sent to my old home address where I was living through XX/XX/XXXX. 

It didnt arrive. 

On XX/XX/XXXX I called and they resent it, this time to my new address. 

On XX/XX/XXXX it still hadnt arrived. I called back and was told it would be overnighted to me by courier. 

It wasnt. 

On XX/XX/XXXX I called and asked where the check was. I was told to wait another day. 

On XX/XX/XXXX I called and was told well they disconnected me mid conversation. 

I dont have the time to keep calling them. They owe me {$2500.00}. Please 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 2023-06-29 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-06-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  - XXXX - Please remove it from my credit reportplease investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question HighlightedDelete account for failure to perform an investigation per fcra regulationDelete account for failure to perform an investigation per fcra regulation XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit 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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account Holder held a credit card account with Bank of America, Bank. As part of the billing agreement, Account Holder enrolled in the autopay feature, which authorized Bank to deduct the monthly payment due from Account Holders bank account automatically. In XXXX, Bank erroneously billed Account Holder an amount greater than the actual balance Account Holder owed. Specifically, the autopay deduction exceeded the correct amount by approximately {$390.00}. This overbilling resulted in a negative credit balance in Account Holders account. Upon discovering the overbilling, Account Holder immediately contacted Bank on XXXX separate occasions, specifically on XX/XX/23, XX/XX/23, and XX/XX/23, via Bank customer support phone line accessed through Bank mobile app. During each interaction, Account Holder informed the Bank representatives about the discrepancy and requested a refund of the excess amount and to close the account. Account Holder provided all the necessary information requested by the representatives and cooperated fully in resolving the matter promptly. Despite Account Holders repeated attempts to rectify the issue and the assurance given by the Bank representatives, Account Holders money has not been refunded to date. The delay in reimbursing the overpayment has caused undue inconvenience and financial hardship. In light of the above circumstances, Account Holder believes it is evident that Bank is liable for the outstanding debt owed to Account Holder, in addition to interest. 

NOTE : Attachments include account statement and call logs.

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 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2023-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 explanation
Consumer complaint received 2023-06-29 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: KS

Complaint narrative:
According to my research about FCRA 605, XXXX  and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KS XXXX ; XXXX XX/XX/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 2023-06-30 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: ND

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-29 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: GA

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  : # XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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.

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 2023-06-29 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: KS

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX  XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX  XXXX : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

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 2023-06-29 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX  XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX  XXXX : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Re : MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$730.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor Please send the following information used to verify the validity of : 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
This is response to my previous complaints. XXXX, XXXX and XXXX. 

Agent for Bridgecrest Compliance has failed to account for the misappropriation of funds. Bridgecrest has not made one cash advancement. Agent has failed to answer who authorized an EFT of the monthly cash advancements that were entitled to the consumer. Bridgecrest has failed to return the collateral which is the collateral, She has failed to cancel the contract. Bridgecrest obtained the receivable under unfair and deceptive business practices. XXXX times Bridgecrest has converted instruments to their benefit. Please answer who authorized the XXXX EFT 's of the monthly payments of {$260.00}? What account were the funds deposited? Did Bridgecrest open another account in the consumer 's name? Where are the funds? Bridgecrest is a licensee of the gov and agreed with the gov to process consumer credit transactions according to the law. Bridgecrest is non compliant to that agreement which is also apart of the consumer credit transaction agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: IL

Complaint narrative:
A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX  XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from 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 non-monetary relief
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX  XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from 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 non-monetary relief