vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. TransUnion notified me " XXXX XXXXXXXX XXXX-UPDATED. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX nor XXXX XXXX XXXX XXXX. I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor CXXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX TransUnion failed to produce any documented evidence of how XXXXXXXX XXXX, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX  is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX XXXX XXXX XXXX XXXX XXXX. Also known as XXXX XXXX XXXX XXXX as the original creditor that is an error. TransUnion remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXXXXXX XXXX remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.

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 2023-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I started a XXXX XXXX business and did my banking at Wells Fargo. I also had another XXXX for my property management company for two houses that I own and had a checking and savings account for my property management business. In addition, I had my personal checking and savings account at Wells Fargo. 

I had a signed contract to collect overdue business account and they wired the funds into my XXXX XXXX Account. After the funds were wired into my XXXX account, in early XXXX I had a meeting with a banker at Wells Fargo and asked them if the funds that were wired in were legitimate and the Banker told me yes and that I could withdrawal the funds or distribute them. 

My XXXX XXXX banking at Wells Fargo began on XX/XX/2022. In XXXX I received notice that they were freezing all my accounts, including both XXXX 's and my personal checking and business accounts. I had an appointment with my Banker at Wells Fargo, and she told me that the wired funds that went into my XXXX XXXX XXXX account was not authorized. I said I understood them freezing my XXXX XXXX XXXX account but that it was unlawful for them to freeze my XXXX  account for Property Management and my personal checking and savings account because XXXX 's are treated separately. They told me they could and would freeze all my accounts. It wasn't unitl the end of XXXX that they released the funds for my other accounts and sent me checks for the amount.

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 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC. 1692g ( b ), give notice that : 1. The debt, or a portion thereof, is disputed. 
2. The Consumer requests verification of the debt. 
3. The Consumer requests the name and address of the original creditor. 
4. The Consumer requests validation of the debt, to wit, the chain of title to the debt and a history of charges and payments thereon. 

I have disputed this account previously and received a written response that the account was under investigation as a result of my dispute. However, it does not reflect the ACCOUNT INFORMATION FOUND ON CONSUMER REPORT I also have a recorded transcript in which the Debt collector threatened me and continued to interrogate me although I told her she was causing me stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 
Names Reported : XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 USC 1681a ( 2 ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Was not informed about this debt. Showed up on my credit report and not sure what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$6200.00}, XXXXXXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NV

Complaint narrative:
XXXX XXXX account with acct. # XXXX is reporting incorrectly and a duplicate account. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: DISCOVER BANK
State: NM

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681section 604 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose. 

DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX I want someone to explain WHY I can't log into my account, or access anything? It's giving fraud & scam. I want someone to explain why my credit score in your records is XXXX near XXXX less than XXXX and other reports. I have an issue that for over 10 yrs I have had continued issues with contacting and getting a live person, and the fact that you're a credit reporting agency and my XXXX IS NOT CORRECT burns me to my soul ; flames of fire as my chest gets tight from irritation. There's absolutely NO REASON, why I should have this many issues for this many years ACCESSING MY OWN PERSONAL PRIVATE XXXX INFORMATION. I shouldn't have to harass anybody, to correct update or fix XXXX. 

I want direct contact to a manager, & corporate contact information. It's giving XXXX discrimination, & purposely not updating my credit report to match or reflect the truth. I like lawsuits, & have been MORE than patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX. 
email XXXX FNBO account # XXXX Credit limit start date XX/XX/XXXX was {$9400.00} credit limit on XX/XX/XXXX is {$500.00} First National Bank of Omaha Bank Headquarters Phone Number ( XXXX ) XXXX, XXXX XXXX XXXX XXXX Nebraska, XXXX, www.fnbo.com First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. {$9400.00} credit limit, never missed a payment.Then unexpectedly XX/XX/XXXX, my credit limit decreased to {$500.00} which inturn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. FNBO First National Bank of Omaha cut my card limit down about 95 % This is Horrible how you treat people with your high limits then penalize those of us that are responsible and pay on time and more than the minimum!. Bait and Switch Contact customer service and I was told that my FNBO Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and " However, when people applied for the cards, part of he qualification and limit-setting process stated nothing about I had to spend on the card. FNBO drop my husband credit limit from {$15000.00} down to {$500.00}. My husband spoke to XXXX XXXX from the office of the President FNBO and restored his credit limit back to {$15000.00}

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Date report XX/XX/XXXX and date opened XX/XX/XXXX which is also inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: NE

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. 

XXXX. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX. ( XXXX, XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX, # XXXX XXXX ( TransUnion ) XXXX. Account name : XXXX XXXX XXXX # XXXX, ( XXXX, XXXX ) XXXX name : XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) XXXXAccount name XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX, # XXXX, ( TransUnion XXXX XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX I, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) 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. 

2. 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.

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 2023-02-14 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: NE

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. 

XXXX. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( EQUIFAX, XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX. ( XXXX, EQUIFAX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( EQUIFAX ) XXXXAccount name : XXXX, # XXXX XXXX ( XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX, ( XXXX, EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX, ( EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX # XXXX, ( XXXX XXXX XXXX. Account name : XXXX  # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX XXXX  # XXXX, ( EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) 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.

2. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
An obsolete credit card account must be legally removed from my credit report. After over 7 years this obsolete and incorrect account remains on my credit report. Please remove the account permanently from my Experian credit report and do not publish it at any time in the future by penalty of XXXX XXXX. Account ending 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 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I make daily principal payments on my mortgage. On Monday - Thursday I pay {$22.00} and Friday I pay {$66.00}. Per Federal Law principal payments must be applied with an effective date of the date received so that they are not illegally collecting interest on money that has not been earned. What Freedom Mortgage is doing is placing the daily payments into a non-interest-bearing suspense account and then applying the payments received at the end of the month. The entire point of paying extra principal on a daily basis is to avoid the " per diem '' interest costs. Every other bank has chosen to follow the law and apply for principal payments as directed per law. Freedom Mortgage is flat refusing to do so because they said that they will only apply extra principal payments to the balance due as of the date received only when made manually by their website. When any payments come in via XXXX, XXXX, or wire transfer they deliberately chose to apply the payments to the principal balance only monthly contrary to Federal law and regulation. They label the aggregated daily payments applied to my account monthly payments as " curtailment '' which is clearly fraudulent. They have been doing this since the mortgage was transferred to them for servicing.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.

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 2023-02-13 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: CA

Complaint narrative:
I sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.

Company response to consumer: Closed with explanation