vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. Equifax reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. XXXX reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. Equifax is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX  and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. XXXX reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. Experian reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. XXXX is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines

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 2022-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX are in violation of the FCRA. They are continuing to inaccurately report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on Experian and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.

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 2022-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing about XXXX XXXX XXXX inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, TransUnion, and XXXX for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing about XXXX XXXX XXXX  inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, XXXX, and Experian for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, the auto loan with Capital One Auto Finance that we, XXXX and XXXX XXXX, shared jointly was reported as charged off. This is based on the following set of facts established by the totality of the evidence. 

A. On XX/XX/2022, a call was made by XXXX XXXX to Capital One. ( See Exhibit A ) B. On XX/XX/2022, In the presence of an eyewitness, an Account Resolution Specialist for Capital One agreed to a payment plan that allowed XXXX XXXX to pay XXXX months payment in the amount of {$300.00} and pay the remaining balance on or before XX/XX/2022 and avoid having the account charged off ( See Exhibit B ). 
XXXX On XX/XX/2022, XXXX XXXX paid {$300.00} to Capital One Auto Finance ( See Exhibit C ) XXXX On XX/XX/2022, XXXX XXXX paid {$540.00} to Capital One Auto Finance. ( See Exhibit D ) XXXX On XX/XX/2022, the same day the payment was made, Capital One Auto Finance erroneously reported the account as charged off. ( See Exhibit E )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Back I'm XX/XX/2020, I was defrauded by someone that accessed my XXXX account through my Wilmington Savings Fund Society checking account in the amount of {$950.00}. When I reported the fraudulent action to my bank, a bank customer support representative submitted my information to the bank 's fraud department and after weeks and weeks of going back and forth to the bank and calling on numerous occasions seeking answers, I was informed that the customer representative who was working on my case had transferred to another state and no one else ever attempted to assist me with this matter. I eventually became frustrated at their lack of effort in reimbursing me my lost funds of {$950.00} that I basically gave up. Whatever assistance you may be able to provide in this matter is greatly appreciated. Thank you and have a good day. 

Sincerely, 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 2022-07-30 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: DC

Complaint narrative:
TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Listed Below you will find items reported on my XXXX Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Purchased auto loan on XX/XX/2022 from XXXX dealership in Virginia. I am a resident of the State of Maryland and presented dealership with all documentation ( pay stubs, utility bills, auto insurance, driver 's license ) which reflect Maryland residential status. After reviewing loan documents auto loan interest rate is 28 %. State of MD maximum is XXXX XXXX The total purchase price of the vehicle is {$31000.00} and is financed over a period of 72 months. The approximate payment amount should be {$850.00} instead of {$920.00} ( what finance company, " Exeter '', lists ). Over the life of the loan that is in excess of {$4900.00}. I called Exeter  to explain their error and they agreed I was correct, however, they bounced me back to the dealership. I believe Exeter knowing booked this deal with the higher interest rate. The company is supposed to have a system of checks and balances in place so this would not happen ( XXXX XXXX ). If this has happened to me, and the loan has just been booked ) how many other people has this happened to? The rep was left speechless and could not provide ANY type of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I was sent communication from my payroll department about a wage garnishment. I went to the courthouse and filed a motion to stop wage garnishment. I called Johson Mark LLC at XXXX and spoke to a representative who informed me the call was recorded, I told her that the debt was not mine, it was my sisters debt and I was not a spouse to her, the rep told me that she would send an Email to the attorney and to follow up. I followed up and the next rep I spoke to looked into the Email and I was told that the garnishment would not be stopped, I told her that I was not responsible for the debt and she began to be condescending and basically told me that theres nothing I could do. After advising the firm that its not my account and Im not responsible for the debt. It is embarrassing that my employer has to deal with this which is not mine. Its causing a hardship on to me, it is affecting my emotional well being. Im constantly worried. This is not right to do to people that advice that the debt is not theirs and still no communication. Im not the first person this company had unreasonably gone after people and harassment. What proof is there that 1. I am responsible for her debt 2. She is in fact my sibling. My rights have been violated and Im seeking to be reimbursed for monies with held through this unfounded obligation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and Equifax are in violation of the FCRA. They are continuing to inaccurately report account # XXXX ( XXXX XXXX XXXX XXXX ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on XXXX and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: DC

Complaint narrative:
TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX via XXXX - XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Listed Below you will find items reported on my XXXX Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$1100.00} - Bankruptcy 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 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo everyday checking account ending in XXXX. I reached out to Wells Fargo by phone and also sent them email to close this account almost 3+ weeks back. But it seems Wells Fargo didn't close the account for unknown reasons. On top of that Wells Fargo charged me {$10.00} fees for no good reasons.

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 2022-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Consumer Adj CO. who listed as the debt collector, whom I have no knowledge of, reported a debt for XXXX XXXX Professionals who is listed as the original creditor reported to XXXX and XXXX a fraudulent debt of XXXX that is stated to have opened XX/XX/2022. This is fraud! An attempt to fraudulently collect monies. I do not have an open or closed contract, agreement nor contact verbally or non-verbal with this entity and have no knowledge of this company. It also shows record Consumer Adjustment CO is a closed facility, or non-operating entity. This entity has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX.org website, each case they lost. I've never received any communication. This is a fraudulent debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

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 2022-07-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TN

Complaint narrative:
On XXXX XXXX I applied for haf through XXXX. 

My haf application should stop the foreclosure process. 

On XXXX XXXX Selene Finance my mortgage company claims to not have anything from haf. 

Haf needs them to send my mortgage records And this will stop the foreclosure.

I need Selene to send my mortgage record to haf and remove me from foreclosure.

Company response to consumer: Closed with explanation