vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.

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 2022-10-26 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: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXn has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX {$12000.00} : DATE OF SERVICE : XX/XX/XXXX. 
PROVIDER OF SERVICE : XXXXXXXX XXXX  To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations.

The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXXXXXX XXXX ACCOUNT # : XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

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 2022-10-26 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: LA

Complaint narrative:
To add to my previous complaint for account number XXXX this documentation further proves erroneous reporting as the documentation from the very creditor shows a difference in the original balance than showed on my credit report, this is falsely reporting account!! 

My right is to have a fully accurate and completely verified account ; I demand this account to be reported as ( XXXX XXXX  Paid as agreed never late IMMEDIATELY as this is the true status ( documentation provided )

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 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Issue : Wells Fargo will not assert independence to the appraiser used for a mortgage application. The Company refuses to acknowledge compliance with Appraiser Independence Requirements ( " AIR '' ) causing the original home appraisal to be invalid and unusable. 

Background : I paid for an appraisal in full through Wells Fargo- the appraisal was ordered through Fradkin and Associates ( XXXX : XXXX ) on XX/XX/2022 around XXXX and performed on the same day. The appraisal report was provided by XXXX on XX/XX/2022. 

We have requested an appraisal transfer to our new lender, XXXX XXXX XXXX ( as shown in below email ) on Monday, XX/XX/2022 and not received the full documents necessary by Wednesday, XX/XX/2022 ( date of this complaint ). 

As part of this transfer, the Company ( Wells Fargo ) must assert that they complied with Appraiser Independence Requirements ( " AIR '' ), however, they have repeatedly refused to assert their independence. The reasoning provided by the company is that it is against their policy to provide XXXX certifications and provided the following message : " We cant provide an XXXX or XXXX XXXX Requirements per our legal department. The reason for this is an XXXX XXXX is basically a statement that everything is correct per the other lender standards. This is not always true due to other lenders having different policies, which then holds Wells Fargo accountable for anything that needs to be done or changed to their standards. '' However, this assertion that Wells Fargo would be held liable for any prohibited practices concerning the appraisal is wholly incorrect and represents a clear misinterpretation of the regulations regarding appraisal transfers & XXXX XXXX 's. 

It's explicitly stated within both GSE 's selling guides and on the signed transfer letter itself that : " Wells Fargo expressly disclaims any representation, warrant, or certification regarding the accuracy of appraisal information or conclusions of the appraiser, compliance with XXXX or any other applicable appraisal standards, Appraisal Independence Requirements, investor requirements, government regulations, or any other applicable standard, law, or regulation. The Lender is solely and exclusively responsible for evaluation of all information within the appraisal and assumes all responsibility for any use of the appraisal. '' The verbiage above unquestionably indemnifies Wells Fargo from any adverse events regarding the appraisal, XXXX certification included. As a result, their unwillingness to provide this independence assertion has caused delays in the mortgage closing process, requiring contingency extensions, and has caused for us to pay for an additional appraisal that should be otherwise unnecessary.

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 2022-10-26 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: IL

Complaint narrative:
Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original creditor name XXXX XXXX I have this open medical bill that does not suppose to be on my credit. According to the rules and regulations. In XXXX, the XXXX XXXX XXXX XXXX announced the National Consumer Assistance Plan ( NCAP ) as part of a settlement with numerous State Attorneys General, which included provisions for the reporting of medical debt.1 As part of the NCAP XXXX the companies committed to no longer reporting medical collections that were less than 180 days past due and removing medical collections that have been paid by insurance. Both of these provisions were intended to prevent consumers credit from being penalized for debts that were not the consumers responsibility to pay. 

On XX/XX/XXXX, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/XXXX, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning sometime in XXXX, medical collections with balances below a threshold of at least {$500.00} will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers. 

This report explores the characteristics of consumers with reported medical collections and focuses on the current state of medical collections that appear on consumer credit reports and medical collections that are likely to be removed from consumer credit reports in the next year. We use the Consumer Financial Protection Bureaus ( CFPBs ) XXXX Credit Panel ( CCP ) to analyze collections tradelines first reported to a national credit reporting company after XX/XX/XXXX with medical listed as the original creditor type.3 We observe consumers credit scores, census tracts of residence, and other credit information in the quarter before the first reporting of the medical collection. 

I'm requesting that this debt be removed from Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NE

Complaint narrative:
In XXXX my wife and I made the decision to consolidate our federal student loans in hopes of simplifying our payback arrangements. This resulted in a private loan with XXXX, serviced by AES which originated on XX/XX/XXXX with a balance of a {$42000.00} with a variable rate at the time based upon the XXXX. 

Since origination, almost exactly XXXX ago, the following are loan facts to date ( XX/XX/XXXX ) : Current Interest Rate : 10.57 % ( Standard Variable ) Payments made to date ( according to the banks payment history ) : XXXX Average Monthly Payment {$300.00} Late Payments Since Origination : XXXX Late Fees Paid Since Origination : {$75.00} Principal Paid to Date : {$9700.00} Interest Paid to Date : {$40000.00} Total Paid to Date : {$50000.00} Expected Payoff Date : XXXX/XXXX/XXXX My complaint should be self evident based upon the numbers above. While the ( to date ) loan details state that our term is " 196 months '' we have satisfied XXXX payments to date and have only paid less than {$10000.00} to the principal and the loan details also state the " Expected Payoff Date '' to be XXXX/XXXX/XXXX? Very confusing. 

It should be noted that my wife and I filed for XXXX XXXX Bankruptcy in XXXX, XXXX in XXXX of XXXX. The bankruptcy was a result in part to past medical debt and my wife losing her business due to unforeseen circumstances. Due to the bankruptcy pending on our credit report, we are not able to refinance this student loan. 

As shown above, in the past 14 years we have been late paying this student loan one time. 

I have attached the loan transactions to date document that was downloaded from the AES website. I have also attached the details of the loan as printed from their website in XX/XX/XXXX and as of recent of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/202XXXX XXXX ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/202XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity report

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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I called bank to check on balance and was concerned as the amount was less than it should be, the next day I called and my account was over draft. The bank informed me of transactions I was unaware of from my ATM card they suggested to get a new card and so I did this time they did not provide a claim numbe. 
The nex day I clled again and now the over draft was larger and I agin stated it was not me as I keep track of my transactions as I am trying to save some funds towards the future. This time I recieved a claims number. They issued another card. I chekced again and the amount had increased for the over draft and was told that the card was used and I became concerned as I had yet to activate the card. The bank said they would put a hold on the card. I was issued another card and when I called the bank it had been used again. It was a new card and it was yet to be activated!! the bank suggested that I closed the account and restart new. I can not close as my account is overdrafted. they issued another card I did not activate it .... the new card was used the over drft was less than two hundred it is now almost three hundred. I have threee new cards and have activated no cards but someone is still using my ATM cards!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
This was not sent in error ; I am a consumer under the law, and my information was misused, resulting in some false and not entirely accurate accounts on my credit report. My credit report was used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: LA

Complaint narrative:
To add to my previous complaint for account number XXXX this documentation further proves erroneous reporting as the documentation from the very creditor shows a difference in the original balance than showed on my credit report, this is falsely reporting account!! 

My right is to have a fully accurate and completely verified account ; I demand this account to be reported as ( XXXX ) Paid as agreed never late IMMEDIATELY as this is the true status ( documentation provided )

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 2022-10-26 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: FL

Complaint narrative:
I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity report

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 2022-10-26 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: FL

Complaint narrative:
I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX  ( Bank ) XX/XX/202XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance XXXX XXXX XXXX ( Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity report

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 2022-10-26 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: NY

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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 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 2022-10-26 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: NY

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 has violated my rights.

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