vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-12-18 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to the local bank in turlock to talk about a possible scam on my account. They sent me a. Letter saying that I had made that payment myself so they accepted the XXXX transfer to a different account.. I have been on hold multiple times by the bank and nothing ever gets resolved. I got scammed and he gained control of the online payments. And reversed them. So now I'm backed up in my payments after paying him in crypto and helping him get back. I realized he was lying about the whole thing and gained my confidence and friendship through out months. He was supposed to come back to the US in XX/XX/XXXX but is now demanding more money saying he dint Meet the agreement he had with the lawyers out there in that country. He sent me a picture of the demands. He was very demanding and was definitely a professional scammer. He made a bunch of transactions I was not aware of.

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 2021-12-18 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: RI

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( XXXX ). Reports must be in accordance with 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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk  from there file. i sent the same letter to XXXX and Equifax. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the Bk from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with XXXX  and equifax. i received a letter from equifax XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called Equifax in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The SYNCBXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX is not my credit card. I have never had a XXXX card. I need this information removed from my credit.

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 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: SC

Complaint narrative:
In XX/XX/2021, upon inquiring for potential loan on a home, a mortgage loan officer sent a detailed email with my credit scores, creditors, account numbers, account balances, charge offs, collections, basically all personal details of my credit to me and blind carbon copied a real estate agent on that same email. 

I obviously couldn't see the blind carbon copy initially. So upon revisiting the real estate agents office, she pulled up the email from the mortgage loan officer and showed me that she had been copied in the email and discussed it with me casually. I was taken back that she had all that information about my personal credit. 

I can forward the email but would rather do so upon request as it contains personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
these transactions occured on XX/XX/XXXX when 2000 withdrawal was made in one day from all non chase ATM. At other times it was money being transfereed from between both of my accounts then withdrawn. I have reported unknown transactions they credit my account then to write me and say i owe them. there is no possible way 2000 $ was withdrawn from ATM. My account was hacked and thousands was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( 2 ). Reports must be in accordance with 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 non-monetary relief
Consumer complaint received 2021-12-18 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: RI

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( XXXX ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: DE

Complaint narrative:
I received many calls and letters from Dynamic recovery solutions in the past month of XXXX and XX/XX/XXXX about a hospital visit in XX/XX/XXXX XXXX yrs ago even if if I did visit hospital I have no documentation to prove I would have destroyed those receipts a long time ago I also have been the victim of identity theft in the past and besides that I know that the statue of limitations has expired after XXXX  years if I did pay this bill in the past I don't have any receipts Dynamic recovery solutions XXXX South Carolina XXXXthey are calling everyone that has my name and giving out my personal information by telling me the last XXXX of my social and telling me my present and past address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out in reference to an account on my report that XXXX XXXX has furnished. Under the FDCPA, a closed account can not have a late payment on it. That is a violation!!! Furthermore, I mailed in a dispute letter on XX/XX/2021 asking to furnish the original contract with my signature showing where I as the original creditor signed off on this. I never heard anything back. XXXX  days later, I sent in a XXXX  Day Demand of XXXX, and still never heard anything back. Under the FCRA, the failure to provide me with the documentation I requested is an automatic deletion from my credit report. Aside from that, being that no one responded back within XXXX days with nothing- under federal law that is also automatic deletion from my credit report! At this point, I will be seeking litigation if this account is not deleted because there have been way too many violations occurring as the consumer and original creditor. 

Account Number : 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 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I was served papers at my employers office. By the XXXX XXXX. For XXXX  XXXX XXXX XXXX. From a Company I have never ever had any kind of loans with. And this Company has been harassing me for about XXXX years now. When I asked them to produce some kind of written contract with my signature they couldnt produce one. So I write to you asking for help. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am reaching out in reference to an account on my report that Affirm Inc. has furnished. Under the FDCPA, a closed account can not have a late payment on it. That is a violation!!! Furthermore, I mailed in a dispute letter on XX/XX/2021 asking to furnish the original contract with my signature showing where I as the original creditor signed off on this. I never heard anything back. 45 days later, I sent in a 30 Day Demand of Comply, and still never heard anything back. Under the FCRA, the failure to provide me with the documentation I requested is an automatic deletion from my credit report. Aside from that, being that no one responded back within 45 days with nothing- under federal law that is also automatic deletion from my credit report! At this point, I will be seeking litigation if this account is not deleted because there have been way too many violations occurring as the consumer and original creditor. 

Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Norwich Commercial Group, Inc.
State: CT

Complaint narrative:
In XX/XX/2021 I extended my forbearance to what I believed was XXXX. I was later told it was XXXX. First week of XXXX I called and reapplied for forbearance until XXXX since I had just started working. XXXX I got an experience alert that XXXX flagged my mortgage 180 days late. Even if the forbearance was until XXXX ( which I don't believe so I asked for the call to be pulledI ) I would have resumed payments in XXXX. How and I being told that I am in default and being reported 180 days past. XXXX is pulling some fraudulent XXXX!!! I spoke to a rude XXXX  woman who hung up on me after I continued to question the math. EVEN IF THE FORBEARANCE WHICH IS CONFIRMED WAS ONLY UNTIL XXXX SIMPLE ELEMENTARY MATH WOULD TELL YOU THERE ARE NOT 180 DAYS BETWEEN XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Closed on a mortgage on XX/XX/2021 - mortgage held by Wells Fargo. Received in the mail several days later a note from Wells Fargo about a XXXX account balance on my 'Wells Fargo Everyday Checking ' - This is via a normal account statement which has a note that the account is now closed. I have no record of opening a checking account with Wells Fargo nor did I ever authorize such. 

Contacted Wells Fargo - call taker cut me off when explaining situation/ spoke over me then transferred me to another lady who said they would investigate but would have to wait up to 45 days for results and then needed to speak with someone else - was transferred to a XXXX minute wait time before call dropped. They did disclose that there was no activity on this account. 

I don't know what this is, if I took a credit hit, etc. I am stuck waiting and they do not seem to really care. It seems Wells Fargo had a MAJOR issue with this fairly recently and it involved the CFPB, other lawsuits, etc so I thought it best to surface this concern to see if we can figure out what happened to cause this account to be opened.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank closed my account without notifying me. I believed there are money in my account but I can't access to my account information. I went to a local branch last week to get help but the staff said they don't have my account info as well because it's already been closed so he gave me a customer service number to call but the one I talked told me she couldn't help because no information is showed so she gave me another number to call but it's all the same, nothing showed up on my account! I'm so frustrated that I can't get any information on my bank account. From the record I have the last time I used my bank for an online payment was last year in XXXX.

Company response to consumer: Closed with monetary relief