vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I mailed Chrysler Capital a host of letters asking them to verify this debt and the information that this is being reported for this account but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to dispute the following information that appears on my consumer report : Source of dispute information : Wells Fargo Home Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in Wells Fargos mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with Wells Fargo on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, Wells Fargo assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, Wells Fargo called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, Wells Fargo reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX. 
o The following week, I contacted Wells Fargo to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, Wells Fargo determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that Wells Fargo were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o Wells Fargo 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a Wells Fargo customer for ~15 years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and XXXX to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue WF has created.

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 2024-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXXt Account Name : XXXX and XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good afternoon, I have been a victim of Identity Theft and have tried pleading with Navy Federal to please open an investigation on my claims. 

I have submitted necessary paperwork that outlines my identity theft and I have even shown them the eviction I am facing due to the identity theft. 

Please have them return my mom or I'm going to be homeless. 

Please help me, what they're doing is illegal and shouldn't be taken lightly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a Capital 1 prepaid Silver Credit card in the mail. It said it was for {$500.00}. Not believing it but curious that Capital I would send me {$500.00}, I went to the XXXX XXXX  ATM and tried using it. The ATM refused the card. 

I called Capital one and explained about the card and that when I tried using it the ATM refused it. I was asked if I entered the PIN #. I told them that a PIN # was not included and could they give me one. The answer was no. I asked what should I do and was told, find the correct PIN or I couldn't use it. 

I then asked them to cancel the card. I was told I needed to give them the PIN and name of bank that funded the card. Of course I didn't know either of them. Not knowing what to do, I did nothing. I figured it was a scam and nothing would come of it. 

Then I started getting bills for interest on the card. Each month I received a notice that interest was being deducted from the card. Annual percentage rate of XXXXXXXX XXXX 

On the latest notice I noticed a " purchase '' charge of {$87.00} and a cash advance of {$570.00}. 

I admit I didn't pay attention to the Capital 1 notices because I did not apply for the card and did not use it and when I tried cancelling it they refused. I shredded the card after they refused to cancel it. 

Yesterday, I received a notice Capital 1 had sold the account to " XXXX XXXX XXXX, XXXX. 

I don't understand what is happening. I confess to being ignorant about financial matters. I only use my XXXXXXXX XXXX Credit and Debit cards. I don't need any other. I am XXXX XXXX XXXX and too trusting. I should have known Capital 1 would never give me {$500.00} free but I see banks offering such often in advertisements. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-04 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I was contacted by XXXX XXXX XXXX in XXXX of 2023 about this debt. I reported it to CFPB, ( complaint # XXXX ) because when I contacted them they gave misinformation and the repeatedly called me about this debt after I gave them proof that I paid and XXXX had made the error. They never provided me with information showing that I owed money. Now I am receiving information from XXXX on behalf of XXXX XXXX ( which I have never had an account with ) and they are asking for half of the amount due. 

I feel XXXX has made this mistake and sold the debt. Now the debt collectors are refusing to acknowledge that it was a mistake. I need help correcting this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Per the FRCA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written non written verbal non verbal per 16USC6802.

ThePrivacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

A Charge off is considered a certificate of indebtedness. please remove from my credit report. 

This account is reporting inaccurately across XXXX and transunion.

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 2024-04-04 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: GA

Complaint narrative:
Per the FRCA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written non written verbal non verbal per 16USC6802.

ThePrivacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

A Charge off is considered a certificate of indebtedness. please remove from my credit report.

This account is reporting inaccurately across Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
Under FCRA 605B, we're obligated to expunge any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Under FCRA 605B, we're obligated to expunge any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-04 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-04 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 eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I contacted Equifax and XXXX about incorrect personal information on my credit report. They have failed to address the problem or update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/year> and they still are not reporting my loans as paid off and as agreed. 
See below Group Total Applied Applied to Principal Applied to Interest Applied to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/year> and they still are not reporting my loans as paid off and as agreed. 
See below Group Total Applied Applied to Principal Applied to Interest Applied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/2022 and they still are not reporting my loans as paid off and as agreed. See below Group Total Applied Applied to Principal Applied to Interest Applied to Fees* XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$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