vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XXXX MY DEBIT CRADS WAS LOST/STOLEN SO I CALLED THE BANK AND LET THEM KNOW THAT MY CARDS WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE. I HAD TO MAKE A DISPUT FOR THE TRANSACTION ON THE ACCOUNT I DID NOT AUTHORIZE, AND GET A NEW DEBIT CARD MAILED OUT TO ME. ON XXXX I RECEIVED PROVISIONAL CREDIT FOR THE CLAIM AND THEY TOLD ME THAT EVERYTHING IS OK. ALL THE TRANSACTION WAS MAKE ON THE ACCOUNT WAS PLACED BY SOMEONE USING ( MY CARD AND NOT MY PIN NUMBER ), NOW ON XXXX I RECEIVED A MESSAGE ON MY BANK APP INTO MY MESSAGE CENTER THAT WELLS FARGO : SUBJECT : CLOSURE OF YOUR DEPOSIT ACCOUNT THE ACCOUNT ARE EXPECTED TO CLOSE ON XXXX I WANT TO KNOW WHATS THE REASON I HAD THIS ACCOUNT FORM : XXXX I HAD NO DISPUTE TRANSACTIONS AND THIS IS THE FIRST TIME I MAKE A DISPUTE NOW IM GOING TO HAVE MY ACCOUT CLOSE, WHEN ITS A OVERDRAFT FEE OF {$35.00} TAKING OUT THE ACCOUNT I NEVER COMPLAIN ABOUT THE TRANSACTION I MAKE THE PAYMENT, THIS IS NOT RIGHT MY ACCOUNT IS CLOSING I NEED THIS ACCOUNT FOR MY EVERDAY LIFE TRANSCTION I HAD MY ACCOUNT FOR OCVER XXXXYEARS I JUST NEED THIS TO BE FIXED AND LOOK INTO. THANKS

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 2024-07-09 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data System continues to report an unpaid collections amount of {$2100.00} on my credit file which is negatively impacting my score. I was laid off from work for some time and sent payments to the XXXX XXXX which was the original creditor. I was still making payments directly to XXXX and was never notified by the hospital that they had turned the file over to Medical Data Systems. Once Medical Data Systems got the file, I set up a payment plan with them and they automatically deduct $ 50 monthly from my account to pay this debt. I was threatened by a representative from Medical Data Systems back in XXXX of this year saying that even if I did setup a payment plan they would still report me to the credit bureaus to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax takes off a large amount of my points whenever something is reported bad. When something is reported good they give me a couple of points. I'm working to build my credit and it's hard when credit bureaus want u to pay a fee for XXXX  score update and more. If you don't, you get poor treatment. My XXXX score hasn't been updated in months and that's only when my report is ran for false pre approved cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-09 00:00:00
Product: Credit reporting 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I closed on my house on XX/XX/year>. Late payment date is XX/XX/XXXX for banks. How was I late and then theres more activities on my report after the house was sold that wasnt me. Please correct it because its prevent a veteran of XXXX wars with XXXX branches from owning land that he proudly fought for. Thank for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX of XXXX, I saw my credit score provided by XXXX, Experian and XXXX was between 506 - 522. These low credit score caused XXXX  credit card companies denied my request for a card. 

History - Between XXXX and XXXX I paid my full credit cards ( XXXX ) balance totaling {$7700.00}. 
I have sent communication to them receiving no The only card I have is XXXX, with a balance due of {$170.00}

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 2024-07-09 00:00:00
Product: Credit reporting 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: DC

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have been trying to get exact identity requirements since XXXX 2024. After having gone to the notary all I need, according to XXXX is a telephone check with a code. 

I do not know EXACTLY what kind of telephone service I need AND if I need an internet connection in the USA. I am a dual XXXX XXXX XXXX XXXXXXXX citizen. The bank will not accept my XXXX  telephone number or email. 

In XXXX I expect to be at my XXXX address. Must I install a landline, wifi, XXXX telephone or will a prepaid do the trick and what about Internet? Do I have to have all that also in the XXXX just to close the account and transfer the amounts to another XXXX bank? 

Half a year ago they transferred x and y cents ( a trivial amount -- can't remember the exact dates and amounts ) to my account at XXXX XXXX. I verified the amounts and days deposited but XXXX said they were unable to verify my identity. 


Please help me to close the account and transfer the money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please check the documents I've sent regarding this matter. I always my check my credit report during mornings and I noticed that there are inaccurate accounts appearing. I don't know why they're appearing but please do remove and block 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please check the documents I've sent regarding this matter. I always my check my credit report during mornings and I noticed that there are inaccurate accounts appearing. I don't know why they're appearing but please do remove and block 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-09 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
There are multiple inquiries on my credit report that do not belong to me. Inquiries for loans and credit cards that I did not submit. The accounts that are showing were ; a loan for XXXX XXXX XXXX, a Credit Card Inquiry for Discover Financial, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Ive spoken to XXXX. They explain to me they will not remove old debit. From XXXX or more years ago. This is effecting me buying a new car for my wife and kids. There holding up me updating my Credit Report. There holding my account hostage. I can't update address cause they refuse to let me change my address. I don't live at that address. That address is from XXXX ago. 
Ive spoken on the phone with Experian. Plenty of times. They Refuse to update my address because of 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
my account was paid and closed. 

My account is showing late payments from XXXX I am now unable to get a mortgage due to this. 

I need these latepayments off my credit report because i was never aware of my account still having a balance, and thought it was already closed prior to XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to express my deep concern regarding the disputed accounts on my credit report. On multiple occasions, I have raised the issue of inaccuracies in these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

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 2024-07-09 00:00:00
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXcount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: AR

Complaint narrative:
Medical debt was paid as part of a settlement which was closed in XX/XX/XXXX. 

In XX/XX/XXXX a collection appeared on my XXXX credit report by Elevate Recoveries LLC. I have sent all of the details that we have from our settlement via email.

I have also requested a copy by mail of everything that Elevate and their client have regarding this debt. It is very surprising and concerning for a collection to appear two years after a settlement when I have not received any bills, statements, invoices or any communication regarding a debt.

Every response from Elevate via email is " Weve received your email and have forwarded all information to our client for review. '' I have not received anything at all verifying the debt or any bills, invoices, or attempts to collect any debt. My credit score dropped and when I checked all three credit reports I found the adverse information reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
A company named Sequium Asset Solutions put on my credit report that I am in colletions for {$1200.00}. 
I do not owe anybody any money. Looked them up on internet and they are a scam company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief