vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was denied deferment payment and was reported late payments on the account to where the account was being processed as defaulted with the threat of repossession. My wife and I filed out the paperwork and took it to the bank to fax them in to their department who handles the deferred payments but the claimed they didnt receive them so therefore we had to follow the process again along with them never correcting the credit report of late on payment and we could never catch up until the last resort ended up in voluntary repossession

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 2024-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: IL

Complaint narrative:
We've sent two letters to Meridian Financial Services requesting debt validation which they've failed to do in the timeframe that they're supposed to. They call but won't help outside of collecting payment. We need our debt returned to XXXX XXXX so we can cancel our timeshare.

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 2024-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and found several serious inaccuracies that have caused me considerable distress. The items in question are unverifiable, invalidated, and inaccurately reported, which directly contradicts the requirements of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information on my credit report must be reported accurately. Unfortunately, your agency has failed to ensure that these accounts meet this standard. 

I have attached copies of all correspondence sent to your agency regarding these inaccuracies. I request that you promptly investigate these discrepancies and take necessary actions to correct my credit report in accordance with the FCRA guidelines. 

This situation has caused me significant emotional distress, and I trust that your agency will address this matter with urgency and diligence. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of this breach and Equifax has done nothing. Please help me to delete these illegal accounts from my credit reports. 


XXXX XXXX XXXX XXXX Account XXXX / xxxx xxxx xxxx XXXX XXXX XXXX XXXX XXXX Account XXXX / xxxx xxxx xxxx XXXX XXXX Bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX was in short sale. XXXX refused all 3 offers from the primary lender on the property and the short sale never happened. The house went into foreclosure and was auctioned off as indicated on my credit report under XXXX XXXX XXXX in XXXX of XXXX labeled with an " F ''. When the house was foreclosed upon, XXXX lost the lien on the house and it became an unsecured debt. XXXX failed to report the foreclosure in XXXX of XXXX  and has been reporting the mortgage debt for the last 5 years only to charge it off recently. This blatant and intentional false reporting has ruined my credit for years and precluded me from securing a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX  was in short sale. XXXX refused all 3 offers from the primary lender on the property and the short sale never happened. The house went into foreclosure and was auctioned off as indicated on my credit report under XXXX XXXX XXXX  in XXXX of XXXX, labeled with an " XXXX  ''. When the house was foreclosed upon, XXXX lost the lien on the house and it became an unsecured debt. XXXX failed to report the foreclosure in XXXX of XXXX  and has been reporting the mortgage debt for the last 5 years only to charge it off recently. This blatant and intentional false reporting has ruined my credit for years and precluded me from securing a mortgage.

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 2024-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX XXXX  a private independent company association with XXXX XXXX XXXX XXXX XXXX. Is attempting to collect a debt that is not owed by myself for years not contracted with them. Home owners insurance for XXXX for years of XXXX XXXX. My home was sold in XX/XX/XXXX. There was no contract with neither company XXXX XXXX XXXX XXXX in Illinois. This leads to be something fraudulent towards my credit. This debt was reported to a collection agency TSI debt collection. Spoke with TSI and they claim there is an attempt to collect for their client XXXX, however they have no number or information for me to call to follow up why they have my information and the attempt to collect money not owed. Everyone is pointing fingers to one. Again this is an attempt to collect money that I do not owe. I believe there is a fraud attempt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sulphur Bank Rancheria Enterprises
State: LA

Complaint narrative:
I reached out to the loan company when i spoke with the first person i explained everything about how they where still drating my account for the loan his excact words was XXXX im so sorry they have been drafting my accout for a year on a XXXX dollar loan which should have been paid off the first 2 months cause the notes where XXXX a month. the guy trasnferred me to some one else when he got on the phone he told me it was my fault cause i didnt remind them of that after arguing with him about im telling him let me speak with some in higher in the department he puts his so say supervison on the phone an they denied me to speak with any one higher they claimed they where the highest an theirs nothing that can be done. they continued to deny me to speak with any one i hung up an called the the city XXXX  because that where the loan comany which is also a credit union based at. they said to make a complaint with my local city department which is XXXX XXXX, XXXX  they transfered me to someone in XXXX XXXX but instead i got the voice mail. i left a message with my contact i didnt here anything back intill about a month ago i receieved a letter from baton rought with a letter stating that in this mail is a complaint form fill it out an mail back asap to see if the where gon na continue to prusue it.also the was a a paper asking me what i wan na do this happening what type of action to persue i simply said i jus ant my money back that they darfted for almost year out of my account i mailed it off the next day now its been over a month an yet have i herd back from any one. right now times is hard so i can use the money that they owe me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Have identified identity fraud. Accounts open in DEAD FATHER name, ssn. Same Name as DEAD FATHER. I have identity fraud in XXXX. XXXX, XXXX, XXXX. NEED ACCOUNTS REMOVED FROM XXXX ALSO.

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 2024-06-19 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: FL

Complaint narrative:
" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.

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 2024-06-19 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:
I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc.
State: TX

Complaint narrative:
I made a XXXX. XXXX purchase on XX/XX/year>. The temporary hold amount was for {$120.00}. I only got part of the order delivered for the amount of {$65.00} then part of the order shipped to me for the amount of {$8.00} and then there was the driver tip for {$5.00} totalling {$79.00}. somehow everything got messed up and I was arguing with XXXX and b9 to get my refund for the difference between the temporary hold original amount and the final total. Somehow I ended up with 2 unauthorized pending XXXX charges which put me bank account negative {$45.00} so when I got my refunds finally then took the refund of {$47.00} to cover the negative money in my account and the other refund was for {$12.00}. I had already talked to b9 and they told me that my refund wouldn't be put towards the negative amount in my account since it's was only negative due to fraudulent XXXX charges but they did. Then they took my remaining {$12.00} from my refund from XXXX and Said it was for monthly account fees. I provided them proof that they had already taken {$18.00} and {$2.00} from my account this past week to cover the {$19.00} a month account fees. They still refuse to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've sent in disputes since XXXX and Transunion has failed to investigate my dispute they keep sending me letters to verify my identity. on XXXX occasions I've sent in my drivers license, social security card and utility bill. They still failed to investigate my dispute and at this point they are in violation and i need help getting my report corrected asap i am being put in a hardship due to them not correcting my file. Ive asked for names, contracts and legal validation as to how these accounts were placed on my file and validated. I sent in my identity report and my file still have not been corrected. This is my finale attempt before seeking legal action.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-19 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: NY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. XXXX  XXXX | XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXXXXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!

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 2024-06-19 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: NY

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/year> This letter is to formally dispute the debt you are attempting to collect from me. In reviewing my credit report I see your agency listed regarding a debt of allegedly owed to XXXX 

I dispute this debt for the following reason ( s ) : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company response to consumer: Closed with explanation