vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a check was deposited by way of an ATM into my checking account which is photographed and entered electronically by the ATM machine. A couple of days later when checking my balance, it showed in available funds approx. {$5500.00}. As the next couple of weeks went by, I utilized a majority of my available funds. On XX/XX/21 I received a letter noting the bank error of over-crediting my account of {$4500.00} and that my account was deducted {$4500.00}. I notified the bank of my rights as a consumer and filed a dispute requesting my {$500.00} plus dollars from checking, along with my {$940.00} social security check that was taken as well as access to my {$500.00} plus dollars in my savings being that they locked my debit card, explaining that I am not responsible for bank errors. My claim was denied. I again contacted Wells Fargo on XXXX to dispute the denial and to escalate the claim to higher-up authorities.

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 2023-05-05 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : I would highly appreciate if you remove these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the accounts in questions. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4500.00} Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: TN

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # XXXX  XXXX : XXXX  XXXX XXXX  - # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX - # XXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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 explanation
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXXXXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NV

Complaint narrative:
I want to file this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Dear TransUnion Consumer Solutions , /dispute department My name is XXXXXXXX XXXX XXXXXXXX the last 2 years or longer i have disputed the bankruptcy and every time you say its verified well now i went to the courthouse and XXXX XXXX where you said it originated from which was XXXX XXXX XXXX XXXX Ohio XXXX the clerk of courts did a investigation and found no records on the bankruptcy account XXXX  # XXXX I also went to the XXXX XXXX they did an investigation and found bankruptcy account XXXX  # XXXX and found it to be an error as well and deleted it attached to this is letter is a letter from XXXX XXXX as well. Please look at that as well. I have never been affiliated with any bankruptcy in my life. Attached is a letter from the Clerk of courts it states this information that i just mentioned. I am asking you as by law to please remove this from my report due to it being a BIG error!! In my Transunion report the file number is XXXX please respond back to me with a letter that states it is removed and that you received this letter Thankyou. 
Sincerely, 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 2023-05-05 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: ID Analytics, Inc.
State: NV

Complaint narrative:
I want to file this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
This account is reporting late as reported in my Experian and XXXX Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX Opened : XX/XX/2012 XXXX XXXX : {$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 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their collection XXXX, XXXX XXXX I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but XXXX points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXX XXXX  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

Respectfully, 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 2023-05-05 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: Auto Trakk, LLC
State: MI

Complaint narrative:
I have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file XXXX has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows AUTO TRACK LLC XXXX XX/XX/2015 THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This company was processing payments of {$4800.00} dollars each month, paid directly out of my bank account for 9 months. ( I have bank statements to support this ) lead my family to believe they were working on a modification, or repayment plan. When in fact they were processing a foreclosure all the time. There is no reason financial or other wise myself and my wife can not me a fair financial payment. But we were not offered a reasonable chance. We are law abiding taxpayer Americans, and I believe we diserve a chance to protect the future of our children. Thank you for listening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
A loan was taken out in 2019 for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to NCA which I called and followed up with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: HYUNDAI CAPITAL AMERICA
State: MT

Complaint narrative:
I disputed an account on XXXX  that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from hyundai showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to hyundai 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.

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 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Heres what happened : I got a letter from CBE Group. They claim I owe XXXX {$230.00}. This letter said, in part : Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XXXX, we must stop collection until we send you that information. 

On XX/XX/, I completed CBEs online form which allowed me to dispute the debt. I got confirmation that said debt was disputed. 

Fast forward to XX/XX/XXXX, I got another letter from my pals at CBE. They are now trying to collect on the XXXX debt despite them telling me in their first letter, I have until XX/XX/XXXX to dispute the debt. 

CBE Group misled me, and as a direct result, my credit will likely be negatively impacted. Im not pleased about this. This feels illegal and creepy. 

I still have both letters I have received from CBE Group including the letter asserting Ive got until XXXX to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
As in a previous COMPLAINT SUBMITTED ON XX/XX/2022 is sending me a bill " owed '', again, to XXXX  XXXX   ( from XXXX XXXX in XXXX XXXX, TX. ). Once more, I have no knowledge of such debt. Whatever I did owed them, I always paid in full. I have not received any letters or invoices from XXXX XXXX. Again, CAPIO Partners and XXXX XXXX  do not provide information about the original invoice, or the services provided. This harassment causes me anxiety and stress. I always pay my bills on time and try my best to keep a good credit score. I desperately need your help to investigate these two companies and the fraudulent bills they create. How many people pay them because of fear and stress?

Company response to consumer: Closed with non-monetary relief