vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " 60 days late. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " 60 days late. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my XXXX XXXX in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.

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 2021-11-24 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: NC

Complaint narrative:
Equifax continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Equifax credit report and significantly impacting my credit score in highly negative fashion. I understand that Equifax is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: IL

Complaint narrative:
ERC ENHANCED RECOVERY COMPANY Caller is harrassing in nature doesn't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: VA

Complaint narrative:
First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.

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 2021-11-24 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: VA

Complaint narrative:
First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: VA

Complaint narrative:
First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.

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 2021-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my credit score in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " XXXX  days late, '' as it is FACTUALLY INCORRECT.

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 2021-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports. 
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 2021-11-24 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NY

Complaint narrative:
The issue in XXXX XXXX  was : Equifax in reports XXXX, XXXX and XXXX stated on XXXX/XXXX/21, XX/XX/21 and XXXX/XXXX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XXXX/XXXX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... In XXXX XXXX XXXX XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. The specific item name and account numbers are in the attached Equifax XXXXXX/XX/21 and XX/XX/21 confirmation # XXXX XXXX and XXXX. Equifax responded to XXXX on XXXXXX/XX/21 ... A letter outlining our findings was mailed to the address on file...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is happening in three months before the event, I also have in the XXXX website complaints and get accepted the case number, but two months past the XXXX  also did not give my reply, I played several times phone to the american express bank want to get processing, there is no reason of refused only say sentence inconvenient said too much, it. This is actually very easy it is possible to identify the fact that really want to, the problem is that I stored in a check in I have american express storage value account, time after 5 days, which money smooth display in my account, but to the morning XXXX point lot of time. American express to check be returned to the reason for the have to account money go away, then I call ask customer service personnel why would in the middle of the night when said check be returned to? I do so perennial intended never this happens, I will require american express bank the return check coding tell me, until now american express are get not they told me check is the other requirements of the return of the program number number is how much it will not is very simple process event? As long as called american express bank come up with check be returned coding will identify ensure complete, if get not this coding digital this obvious is american express in talking fraud cheat I deposits isn't it? Regardless of any reason to get not this coding digital enough to prove bank fraud Three months so simple things I didn't think need so long processing time, cov 19 has nothing income the since also happens such fraud, I really difficult to believe this is funds strong bank to fraud ordinary people people the hard-earned money, hoping to get processing put money compensation I, there are three months of suffering and pain,, thank you, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one changed my purchases to cash advances over {$2000.00} when my cash advance limit is only {$400.00}. 00. I contacted them about errors and fees and interest incorrectly applied. They refused to correct the issue. They wouldn't let me pay my cash advance actually taken out {$400.00}. They said the entire credit limit was listed as cash advance and charged accordingly on statements, fees charges including. They denied consolidation of all cards accounts to get one bill, one interest rate. Now they have brought a suit against me to garnish my XXXX and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX2021 ( Reported Identity Theft ) 5. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX XXXX XXXX2021 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OH

Complaint narrative:
Upon receiving the US Bank XXXX for XXXX benefits funds had already been removed from the account and continued to be stolen from the account. Upon notifying the company and completing every request for information they didnt complete any investigation nor did they refund any of my stolen funds. They continued to be dishonest by stating that they did an investigation when they had not. Also requested on 3 separate occasions, that I be given supporting documents and all information that was used in conducting the investigation for my review and all they continued to do is send me the same documents that I sent to them which was nothing more than the transactions that fraudulently occurred on my account from the beginning to the end. I have lost a great deal of money from US Bank XXXX  and now am contemplating seeking legal assistance to recover my money from my unemployment benefits that they allowed to take place due to their negligence and breach of my rights listed in the cardholder agreement.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XXXX  ( Reported Identity Theft ) 2. XXXX on XXXX  ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-11-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARCO Group, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 a consumer background screen was ordered by XXXX to a third party vendor Precheck. I authorized the check with the impression that the third party vendor would follow the FCRA rules and guidelines when reporting. That meant following the 7 year rule. I consented to that. Upon completion of the report on XX/XX/2021 the report was released by the vendor Precheck with unverified, inaccurate data in which I reached out to Precheck during the investigation process to provide details. The report also violated my privacy in that it included information that may have been public records but was nearly XXXX years old without my knowledge that it would be reported. When I reached out to dispute the consumer report I was met with resistance and stonewalled. I was told by management that they had the right to report public records so long as it appears public with or without my express consent. As a result of defamation and gross negligence on the behalf of this company my employment status is in jeopardy, not to mention the possibilities of further discrimination and character misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
During the months of XXXX 2021 I'd made arrangements to pay off my vehicle in full. Credit Acceptance Made an arrangement for me to pay off my vehicle loan in full on XX/XX/2021 which negated my payment for XX/XX/2021. The entire balance was paid on XX/XX/2021 and the account was paid off XXXX months early. That said, during the month of XX/XX/2021 Credit Acceptance reported me to all XXXX credit reporting agencies for being over 30 days late in spite of the payment arrangement promised. Their actions caused my credit score to drop tremendously. Several attempts have been made in order to rectify this issue but Credit Acceptance refuse to correct their mistake. Therefore, I request your assistance in correcting this issue. 

Respectfully, 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 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation