vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be aware that I have contacted your company SEVEN times, In my previous complaints and cfpb complaint # XXXX I inform your company about a few inaccurate information on my consumer /credit report with your company my request to suppress and block inaccurate information, Your company responded on XX/XX/2022 : In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. 
And your NON-MONETARY RELIEF response was : In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address ALREADY REFLECTING ACCURATELY Completely ignoring my Complaints, disputes and attachments this unjust system Ive been dealing with for 3 years XXXX XXXX SERVICES Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX EXHIBIT D : ATTACHMENTS

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
FRAUDULENT MISREPRESENTATION, XXXX  VIOLATIONS, FRAUDULENT CONVEYANCE, THEFT, IDENTITY THEFT, MISUSE OF PERSONAL INFORMATION BY XXXX XXXX XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Saint Services LLC
State: CA

Complaint narrative:
I paid this company to repair my credit on XXXX of this year ( 2022 ) until now they remove some item but not the whole they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
My mortgage has been sold 3 times in a 9 month period.the first one called XXXX  allowed my information to be breached then sold it to mr cooper but consumer told me to hold payment for mr cooper, a program helped me pay my payments and catch them all up to mr cooper, while this payment had been received and paid mr cooper requested money again and claimed the payment was not received but was proven to be. All this time mr cooper had already sold my loan to another company but was requesting more money from me .now I have a new lender but mr cooper has my home balance incorrectly with the new loan that is basically saying my loan went up and a d they did not receive payment but I have receipts with XXXX  XXXX that they did get payments .my loan shod be XXXX left but it is stating XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have a Venmo account and I had a balance of {$89.00} to be paid on XXXX XXXX but we had a power outage in the area due to a storm and I ended up paying on XXXX XXXX. Today, I checked my account and they charged me a late fee of {$41.00} almost 50 % of the amount due. This is an absurd! Because of barely one day, they hack up a fee of 50 %?

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 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: KS

Complaint narrative:
Seventh Avenues card {$280.00} Montgomery ward card XXXX These accounts were opened in XXXX when I was XXXX XXXX  in the military. I did not open these accounts and I did not make any charges I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I had no idea these accounts were in my name until XX/XX/XXXX. I would like for these accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been a customer of Wells Fargo for 15 years. I received a email saying my account has been overdrawn of XXXX. So I contacted Wells Fargo because i know my account had funds inside. Wells Fargo said they was calling me asking did I want to proceed with the claim. The person hacked my account added a phone number to my account. Wells Fargo never spoke to me while this transaction happen. I found out thru my email. In right then I called. I went thru going to the office for they can check my phone to see do i have a tracking on my phone. They looked and seen i was in Alabama the whole time of the transaction took place. The check the recording in it wasn't me. He said the voice was deep. Indicating it was a man. I went to the police department to to a fraud on my account. I have done everything that wells Fargo has ask me to do. In still I haven't receive my funds of XXXX. I'm really trying to stay come. But I'm losing everything around me. Can you please help me 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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX XXXX on several occasions to resolve the account that does not belong to me. I have offered to send updated copies of my social and ID to confirm. XXXX  XXXX has reported the account ending in XXXX to the wrong credit report. 

XXXX  XXXX  has a social security number reporting under a social that doesnt belong to me. Please review the attachments for further review. 

I would like to be contacted at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX  ( any and all ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXDetails attached...

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 2022-11-09 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: IL

Complaint narrative:
ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX XXXX any and all ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX .Details attached...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/2022 an on line reservation was made with XXXX XXXX and paid with a credit card in the amount of {$850.00}, for 5 nights with check in XX/XX/2022 and check out XX/XX/2022. I received a Booking Confirmation # XXXX and receipt from XXXX XXXX Reservations aka XXXX. It should be noted that XXXX identified itself as the XXXX XXXX and did not let me know if was a third party until they sent us the confirmation and receipt. While checking in at XXXX XXXX and after telling the motel staff that I prepaid and had a confirmation number, my credit card was billed an additional {$660.00}. XXXX XXXX did not tell me that I did not have a reservation and they did not tell me that I was being billed an additional {$660.00}. XXXX XXXX did not issue me a receipt at check in. At my urging, on XX/XX/2022 Capital One issued a credit for {$850.00} and a Dispute with the reservation company was made on XX/XX/2022. I called XXXX XXXX and obtained a receipt for {$660.00} with the same Confirmation Number that the reservation company provided. The XXXX XXXX responded to the Dispute and sent documentation to Capital One. Capital One denied my dispute and billed my credit card {$850.00}. I have since contacted XXXX XXXX and their parent company XXXX XXXX XXXX and received no satisfaction. They claim that they have no record of the reservation and its payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I checked my account it was - {$3300.00}. In which I have no way of knowing how. Wells Fargo tells me I made a claim. I talked to 4-6 people explaining that I didnt make a claim. Wells Fargo made a claim on my account. Now they want me to pay it back. I dont have that kind of money. What should I do please someone help me. Thank you!

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 2022-11-09 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:
XXXX XXXX XXXX. A law firm out of XXXX ran a hard inquiry on my credit report with out my permission on XX/XX/2022. 

I have tried to call about this to them several times and each time transferee to a different department. From my understanding it is illegal to run a hard check without permission from the consumer.

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 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

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 2022-11-09 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: FL

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 ) 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 these accounts have violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I requested a loan refund for the amount of {$10000.00}. This amount I paid on XX/XX/2022 and is eligible for XXXX XXXX XXXX  XXXX  ( only XXXX of this Im eligible for ). But I understand this is the only way to gain forgiveness. I have waited now over 12 weeks for a refund. Initially they communicated a 4-6 week wait. Then they changed this to a 6-10 week wait. Now theyre telling me 10-14 week wait. This is absolutely unacceptable. I am eligible for the refund and I demand it immediately. I am currently unable to submit application for the student load relief as my account is still reflecting the amount of {$0.00} loans Paid in full. I can speculate by assuming Aidvantage is holding my refund XXXX and waiting to ensure loan forgiveness is going through at the federal level. This is neither here nor there. I am owed my refund and that is final.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion continuously does not allow access to dispute an item they are reporting on my credit report. I have tried to dispute an item online and over the phone and they continue to state there is an error with their system. This has been an ongoing issue. They are reporting an account for XXXX XXXX with a balance of {$5600.00} on my credit report, however ; this account has been settled as paid in full and they have refused to allow me to dispute the balance to update my credit report. XXXX XXXX is reporting a balance of {$2400.00} on my credit report, however ; this company will not allow me to make a payment, they stated they sold my account to another lender, however ; they did not list this on my credit report that it was sold, they are still reporting a revolving balance and I have not received any letters from XXXX XXXX  telling me my services was sold, who the lender was.

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 2022-11-09 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: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-09 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: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXX is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TX

Complaint narrative:
I have been sending letters disputing these fraudulent accounts in my report, but I did not receive any results. The bureau does not give me any response as well. I do not know if what actions do they take but I believe they do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They reported charges back in XX/XX/2021, but they didn't remove them. I inquired again and asked why but not they are telling me I've passed the terms of reporting fraud so they are making the changes permanent. They have removed charges older than 6 months in the past with no problem and now refuse to take them off. Case XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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