vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX  XXXX. 
I paid off this account but its still showing that I owe a balance. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2023-02-08 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Notice of FCRA Violation by Penfed Credit Union I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that you have committed. The FCRA, as outlined in 15 U.S. Code 1681a 2 ( A ) ( i ), clearly states that transactions and experiences such as late payments and utilization are not included on consumer reports.

However, I have recently reviewed my consumer reports and discovered that you have reported late payments and utilization on my credit reports, which is a clear violation of the FCRA. This type of information is prohibited from being reported on a consumer 's credit report, and its inclusion may result in negative consequences for the consumer 's credit standing.

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 2023-02-08 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: U.S. BANCORP
State: NV

Complaint narrative:
I sold my house in XXXX paid in full. It was even transferred at the county office. US bank home mortgage 5 years later is reporting late payments starting XX/XX/XXXX to XX/XX/XXXX when I havent owned a house sense.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells fargoXXXX has been hitting me with XXXX overdraft fees in the span of XXXX weeks and my account is not overdrawn by XXXX dollars

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 2023-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION
State: FL

Complaint narrative:
I am an XXXX XXXXXXXX XXXXXXXX Veteran an believe that I am been unfairly treated with regards to the approval loan process with the American Armed Forces Mutual Aid Association Mortgage services , specifically , with the underwriting department. I have have every requirement and submitted all the required documents only to have AAFMAA keep requiring additional irrelevant documents to delay this process based on my XXXX in my opinion. I applied for a {$25000.00} HELOC to pay or a replacement roof on/about XX/XX/XXXX and have submitted more than 30 documents and photos and have a credit score over XXXX, my house is valued at more than {$540000.00} and I owed approximately {$360000.00}. Because I am in a XXXX  XXXX bankruptcy since XX/XX/XXXX, my application was approved on a conditional basis. I have met all of those conditions. But I am still being give the proverbial " runaround ''. 

As an XXXX XXXX veteran, who has served our great nation for more than 23 years, I would greatly appreciate if someone would investigate my complaint or recommend the appropriate agency to handle my complaint. 

Regards, XXXX XXXX XXXX XXXX XXXX ( retired ) XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The name of the creditor in question is XXXX XXXX XXXX Now this was originally an auto lone for {$17000.00}? opened in XXXX. The vehicle was totaled in an accident in XX/XX/XXXX, and paid by the insurance. Ive called them before and theyll say they are going to remove this account but they never do. Instead they have put that i owe {$10000.00}, then {$10000.00} literally on the same report. Im not even sure where they got that from but my problem is that Ive never signed a loan or deal of any kind for that amount, and it even shows that the accouint is open and that ive never made a payment on this said balance or account. ive gotten nothing but the run a round from them.this account has been on my report for over 7 years as they continue to move the date, please help. it shows as if I have an open car loan that ive never made a payment on and that is totally false.

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 2023-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX my checking online banking account restricted by Truist Bank. It was working fine XX/XX/XXXX. The bank decided to update accounts as a system clean up as result of an issue with XXXX accounts. I called customer service spoke XXXX different people I was instructed to go to the branch, the branch stated that the account was fine there was no issue but I still can not access it. I finally spoke supervisor at Truist Customer Service who stated I had to go back to the branch XXXX XXXX, XXXX, MD XXXX. We identified what the problem was and corrected the paperwork XX/XX/XXXX, I worked who has been very helpful but as XX/XX/XXXX I still do not have access to my account and funds. I spoke to another with Customer Service Supervisor on XX/XX/XXXX who is now stating that will now take XXXX business days for this to be taken care of due to the number of customers impacted by this change. There was no communication before this change was done. My trust has been in effect since XX/XX/XXXX with same bank through all their mergers. 
I can I pay my bills? Who is going to pay late fees? What impact could this have on my credit score? 
How can the bank do something like this without communicating

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 2023-02-08 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: FL

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XX/XX/2022 account number XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I could not afford the car payment and called Hyundai who was the lease holder and asked what would happen if I gave the car back. I was told by a gentleman on the phone that if they sold the car for more than I owed in arrears and for the remainder of the lease I would be fine. That is not the case. They say I owe over XXXX XXXX? And are still reporting it. I have tried to get it removed by disputing it I have even paid companies to try. I think it wasnt right what they did almost 4 years ago and are still doing to me after they said I would be fine. And I know that they got more for the car then I owed it was in perfect condition. I was mislead and may have been able to work something out to pay 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 explanation
Consumer complaint received 2023-02-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX TX XXXXXXXX ) found with XXXX and no other matter. 
The following dates are instances where WELLS FARGO BANK N.A. & its subsidiaries or affiliates accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. 
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. 
XXXX WELLS FARGO BANK Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ) XXXX WELLS FARGO XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX AZ XXXX ( XXXX ) XXXX WELLS FARGO BANK XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX XXXX XXXX ) XXXXXXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC XXXX 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 explanation
Consumer complaint received 2023-02-08 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2020 closed account XXXX  account # XXXX XXXX XXXX closed account XXXX account account XXXX XXXX XXXX closed account XXXX  account XXXX XXXX XXXXXXXX XXXX  closed account has violated my rights 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX, on behalf of Target Card Services and TD Bank, attempted to collect a debt from " XXXX XXXX XXXX '' by sending a letter to XXXX XXXX XXXX in XXXX New York. My name is XXXX XXXX XXXX and I do not, and have never, lived at that address. Nor have I ever had a credit card issued by TD Bank or Target Card Services. The home at that address is owned by an extended family member and because of this I was alerted to the communication. We promptly communicated to XXXX that : ( 1 ) the debt was not owed by me ; ( 2 ) I had never had a credit card issued by TD Bank or Target Card Services ; and ( 3 ) I had never lived at XXXX XXXX XXXX. XXXX indicated that they would note that the address was incorrect and that the debt was not owed by me. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX XXXX related to this debt on behalf of Target Card Services and TD Bank. This letter was not sent on XXXX letterhead, but rather only identified Target Card Services and TD Bank. We called the number listed on the letter ( XXXX ) and again informed them that : ( 1 ) the debt was not owed by me ; ( 2 ) I have never had a credit card issued by TD Bank or Target Card Services ; and ( 3 ) I have never lived at XXXX XXXX XXXX. They again " made a note on the account '' but also asked that we return the letter as " Return to Sender -- Wrong Address. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2020 closed account XXXX account # XXXX XXXX XXXX closed account XXXX account account XXXX XXXX XXXX closed account XXXX account XXXX XXXX XXXX XXXX closed account has violated my rights 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
According to the FCRA and CFPB new law Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports.

Also this medical debt Violates The No Surpise act was i ever notified of this account being reported on my account. 

As you can see XXXX and XXXX already Deleted XXXX from there Credit reporting Agency.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CO

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I refinanced my vehicle from Wells Fargo bank to XXXX XXXX Bank XX/XX/2023. I noticed that I was still receiving statements from Wells Fargo XX/XX/2023 so I called to verify my account has been paid as I understand it takes a XXXX  of weeks. The several Wells Fargo customer service agents I have spoken with recommended I make an additional payment or they will report my account as delinquent. I asked to speak with someone higher who could tell me about the status of the check received from XXXX  XXXX and after providing the requested information, they told me that they have NO record of the check from XXXX  XXXX. I also contacted capital XXXX and spoke to someone in a similar department and was told otherwise about the Check. XXXX  XXXX stated that it would have been returned but it has not. So currently I have multiple car notes due form both companies and still being charged interest and late fees from Wells Fargo bank.

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