vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bought a truck back in XX/XX/XXXX and leased it to XXXX XXXX for monthly payments also in XX/XX/XXXX. While the truck was leased, I was in charge of making the monthly payments on the truck which I did religiously until XX/XX/XXXX. The truck was involved in an accident on XX/XX/XXXX. After the accident, I reached out to my insurance company and followed due process and filed a claim. The insurance company acknowledged the receipt and creation of the claim and told me they would go on to handle the case with the lien holder ( Wells Fargo ) and pay off the truck. After they assured me of that, I continued to follow up with them and they kept telling me the same thing that they were in contact with the Lien holder and would handle it. I reached out to the lien holder as well and told them what was going on. Sometime in XXXX I received a notice from the lien holder saying the said truck was in their possession and they planned to sell it soon if I didnt make a payment of {$2100.00} for reinstatement. Immediately after I received that notice a repossession claim had already been filed on my credit report and it adversely affected my credit score. When I received the notice saying my car had been repossessed, I was very shocked. I reached out to Wells Fargo to explain what was going on and that the insurance had assured me they were going to take care of the issue, and thats when I learnt from Wells Fargo that the insurance was hesitant to pay off the balance of the truck like they had earlier promised, hence why they repossessed the car. I was surprised, but I went ahead and paid the reinstatement fee and got the car back from them and continued making payments on a truck that was damaged up until XX/XX/XXXX. I reached out to the insurance company and told them every thing that was going on from the repossession to my credit being damaged and they were reluctant to fulfill the claim. I had to get my lawyer involved before they finally decided to pay attention to my case and try to get it resolved. Eventually, they sent an agent to assess the truck and on XX/XX/XXXX, they sent a check to pay for the truck. All this is to say that the repossession on my credit wasnt my fault by any means and was out of my control so I would like it to be taken off. Im attaching evidences and can send more evidence if needed.

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 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for PenFed credit card because of 0 % APR promotion and they still charge me for interest fees even though I was promised for 0 % APR promotion upon signing 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 explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-11 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: AL

Complaint narrative:
My Hippa laws has been violated, and sensitive medical records have been obtained by a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland credit management company is a horrible company. threatening to put a judgment against me. XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive already submitted a complaint about this chase freedom card and XXXX from the office of the president is NOT HELPFUL!!! Im still wondering why is she calling me if she has not figured out a solution to an easy problem! Its in black and white that I met the standards to get a chase plan however she is saying eligible purchases. Well what makes a purchase ineligible?!?! She cant give me an answer. Meanwhile my payment is due Tuesday XX/XX/21 and Im going to have to make a payment which will THEN make the purchase ineligible to be put in a chase plan. Ive been a chase customer for over 20 years and Ive had this card since XXXX and I make my payments ON TIME! XXXX XXXX score is in the 800s and above so I cant believe its my creditworthiness! Its impossible. Needless to say if this isnt fixed by Monday, I will take every single dime out of my Checking, Savings, Investment, and my daughters checking account and find another bank. UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam : These are inaccurate reporting of late payments. Please remove the inaccurate late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TN

Complaint narrative:
Bank of America submitted a application in which I didn't apply for. They Maliciously went into my. Credit account without my knowledge

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 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I was a victim of Identity theft due to a Data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: The Outsource Group, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$4100.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXXDate Opened : XX/XX/2021 Balance Owed : {$760.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$370.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

WELLS FARGO BANK is reporting late, yet it is closed in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number XXXX {$14000.00} Still On My Credit Report And TransUnion Claiming That The Account Is Verified But They Never Showed Me Proof Of Verification Because This Fraudulent InformationDo n't Belong To Me Iam Very Disappointed With The Way TransUnion Has Been Handling My Report I demand to see Verifiable Proof As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that TransUnion remove them immediately : Account Name : XXXX XXXX XXXX Account number XXXX {$14000.00} Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 


Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on ELAN FINANCIAL SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. MIDLAND CREDIT MANAGEM XXXX XX/XX/2021 Balance {$440.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC
State: MA

Complaint narrative:
On XX/XX/21 and XX/XX/21, I wrote cease and desist emails to Alliant Capital because I was receiving phone calls with detailed voicemails that disclosed existence of a debt. My family members were also receiving phone calls and voicemails, despite their names clearly being stated in the voicemails. I have a credit alert on my credit due to being a victim of released confidential information, and I never received any information regarding a debt. I am also aware I should receive notification of the debt prior to phone calls. In the voicemails, I am being threatened with future action or determination regarding the matter, both calls occurred after I emailed cease and desist letters to the company. I also alerted the Massachusetts Attorney General and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of Identity theft due to a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX Credit Bureaus and found that this FINANCIAL CREDIT NETWO ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX Inquiry Date XX/XX/XXXX ; 4. XXXX - CARD SERVICE Inquiry Date XX/XX/XXXX ; 5. XXXX - CARD SERVICE Inquiry Date XX/XX/XXXX ; 6. XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

RECEIVABLES PERFORMANCE is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Revenue Management, Inc.
State: CA

Complaint narrative:
American Revenue ManagemenXXXX in XXXX, California falsely reported to the credit bureaus that I have a past due debt from XXXX Chos XXXX despite never contacting me, never validating the debt, or even offering me an opportunity to pay any debt. The so-called debt just appeared on my credit report on XX/XX/XXXX as owed since XXXX but I have never received so much as an email correspondence about it. I emailed American Revenue Management and they initially responded saying they would follow up but I have not heard from them since. My credit is plummeting unfairly. Not only was the debt never initially validated as legally required, but I never even received any communication after that, and am still not receiving any proactive communications from the debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : DPT ED/XXXX-XXXXXXXX-Balance {$21000.00} XXXX-Balance {$25000.00} XXXX-XXXXXXXX-Balance {$0.00} XXXX XXXX-XXXXXXXX-Balance {$1200.00} XXXX XXXX-XXXXXXXX-Balance {$780.00} XXXX**-Balance {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on CHRYSLER CAPITAL ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation