vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Account was opened under my name at Frost Bank. I have contacted the bank and they have closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

6. Identity Theft XXXX Account Number : XXXX Delete From My CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I never received a loan. Each party received actual cash value on the exchange. You have performed fraudulent Title 15 collections against me, making me believe I receive a loan from you. I received no such Thing. It was an exchange of actual cash value for actual cash valueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Has material breaches of the binding arbitration agreement that was entered into on XX/XX/2022, have occurred. 15 U.S. CODE 1640 ( A ) RETURN OF PROPERTY THE SUM of XXXX XXXX XXXX XXXX XXXX  and XXXX cents. {$150000.00} PAYABLE TO XXXX XXXX XXXX XXXX 15 U.S. CODE 1635 ( B ) Return of automobile XXXX  XXXX XXXX Vin : XXXX 15 U.S. CODE 1635 ( F ) RESCIND OF CONTRACT AS IT WAS NOT PROVIDED 15 U.S. CODE 1644 ( A ) LL ADVERSE NEGATIVE REPORTING TO ALL CREDIT REPORTING AGENCIES UPDATED AS NEVER LATE PAID IN FULL UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT Debt discharged, and a settlement. according to Uniform Commercial Code Section 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the instrument is refused, there is discharge to the extent of the amount of the tender of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. '' An EFT is an offer to pay. It is also a " bill of exchange.

Bill of Exchange Act 1882 : 43 Dishonor by non-acceptance and its consequences A bill is dishonored by non-acceptance UCC 3-415. OBLIGATION OF INDORSER ( c ) If notice of dishonor of an instrument is required by Section 3-503 and notice of dishonor complying with that section is not given to an indorser, the liability of the indorser under subsection ( a ) is discharged.

Uniform Commercial Code Section 3-604 : Any party making full tender of payment to a holder when or after it is due is discharged to the extent of all subsequent liability for interest, costs, and attorney 's fees. The holder 's refusal of such tender wholly discharges any party who has a right of recourse against the party making tender. 
Where the maker or acceptor of an instrument payable otherwise than on demand is able and ready to pay at every place of payment specified in the instrument when it is due is equivalent to tender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TX

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-17 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: TX

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a customer with Wells Fargo for almost 20 years, since I graduated from high school. To reward my being a loyal customer, they have taken illegal overdraft fees from me. They reversed a provisional credit on my account after I made a justifiable claim against another merchant. During the 3 months of an " investigation '' that they claimed they did. They chose to side with a the airline that is worth billions an airline, that was charged with illegally neglecting clients with XXXX and special needs by the department of transportation. An airline that treats staff like trash. 

They took advantage of a loyal customer that has put up with their flagrantly shady and despicable illegal behavior for many years. I had careful documentation and proof of the claim made against XXXX. They never asked for any information, that I had to prove why I made the claim. They called me once..then said their decision, was based on paperwork submitted by the airline/ merchant that I filed the claim against. 

When I asked several customer service reps why, Wells Fargo claims specialists reversed the provisional credit, they said their was no reason why.. It was a different story each and every time, I spoke to someone else.They garnished my two weeks worth of work, paycheck. Since 2019, I was the main caregiver for my elderly mother and aunt. They were sick with XXXX XXXX XXXX, XXXX and XXXX.. I lost employment, because I was their man caregiver. 

I explained all of this to Wells Fargo and XXXX on WHY I missed my flight, and why I needed the money back from the missed flight, if they did not want to rebook me on another flight. Wells Fargo responded by reversing a " provisional credit '' Without even completing an investigation FIRST. They then charged me XXXX in overdraft fees... 

Then they had the audacity, to contact me about " protocol '' that was followed. These thieves were lecturing me, about the legality of their protocol .... The shoddy excuse of a company, that was just ordered to payback billions for the lives they have ruined. I was left in a terrible position... I felt like I had hit rock bottom with these cromagnon charlatans and thieves. 

Because of the current lawsuit that they now have to pay out for, they are doing EVERYTHING they can to recoup financial losses from wherever. They don't care if your claims are founded or if you have justified reason to take action again merchant 's. 

I suspect their CEO and managers has given them strict orders to reverse provisional credits and get overdraft fees where they can, as to soften the financial hit they will take with this current lawsuit.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: MN

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested. 
I have contacted both Experian and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.

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 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I have a Current account # XXXX which has been functioning without incident for almost 3 weeks. Without notice, Current Fraud Operations cancelled my pending ETF and sent me a verification request. I promptly submitted all documents ( Photo ID, Selfie holding ID, XXXX XXXX  Statement ) and asked for an ETA to resolution, follow-up timeframe, contact information, etc. I have spoken to almost 20 Agents and Supervisors throughout the organization ; Nobody at Current will provide the contact information for the Fraud Unit, Executive Response Unit, Office of the President/CEO, or even a timeframe within which someone from Current will proactively reach out to me to confirm resolution. In the meantime, I have been lied to, given contradictory information, hung up and disconnected on while my access to my account funds ( presently {$340.00} ) is fully restricted ; I can not make any Inbound/Outbound transfers, and my Debit Card access is locked for purchases/withdrawals. This is tantamount to theft of my {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
THIS DEBT WAS PAID THROUGH ANOTHER COLLECTION AGENCY BY THE NAME OF NATIONAL CREDIT ADJUSTER, AS I AM REVIEWING MY XXXX  CONSUMER CREDIT REPORT I NOTICE THAT THE SAME DEBT AND ACCOUNT NUMBER IS BEING SHOWN ON THIS REPORT COMPANY NAME IS LTD ACQUISITIONS, STATING THAT XXXX XXXX XXXX IS THE ORIGINAL CREDITOR, WHICH THIS DEBT HAS BEEN PAID AND I HAVE A LETTER FROM NATIONAL CREDIT ADJUSTERS, STATING THAT THEY ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORTS. THESE ACCOUNTS ARE DAMAGING MY CONSUMER CREDIT REPORT ALSO SO THAT ALL HAVE DIFFERENT DATES SHOWING ON ALL THREE REPORTING AGENCIES TO MANY DISCREPANCIES, INACCURACY. ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Greetings On XX/XX/XXXX and XX/XX/XXXX I received a bill from Transworld Systems Inc. in reference to a debt that they paid for to collect in the amount of {$1200.00}. This debt was bought from a utility company called XXXX. XXXX is in violation of 15 US Code 6802, 1681 ( b ), 6801 and 1681 ( a ) ( 4 ). All are associated with privacy violations. So once again a clear violation of my privacy rights has gone unchecked. 
I sent Transworld a certified validation letter, cease and desist letter and a 30 day affidavit of truth on XX/XX/XXXX in reference to the alleged debt. They did not produce the evidence to prove their claim. They did not respond in the form of an affidavit and did not remove the debt from my consumer report as demanded by me ( XXXX XXXX ). 
I do not owe this company any money whatsoever. Nor have I gone into any agreement them at all. 
I've also uploaded a copy of my consumer report and there are several inaccuracies coming from the same company. The consumer report states that I owe {$960.00}. However, my notice in the mail says {$1200.00}. 
The report also states that the reporting dates are inaccurate as well as the last dates active. 
This is also a Maryland account and I have live in Florida since XX/XX/XXXX. So there is no way physically I could've opened the account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL

Complaint narrative:
In XXXX I defaulted on my student loan due to financial difficulties. In XXXX of XXXX, my paycheck was garnisheed. I continued to have payment deducted from check consistenly until XX/XX/XXXX. During these 8 years, I contacted the representative from New York State Higher Education Services on many occasions to see how I could rectify my situation, he was always XXXX XXXX XXXX  and did not provide any assistance, his only response was always : " you will have to pay the balance of the loan in full '', I was not in a financial position to do so. In XXXX of XXXX I called him to let him know that I was changing employers and did not want to transition with a garnishment with my new employer. We made arrangements for me to send payments directly, I did so from XX/XX/XXXX- XX/XX/XXXX when the student loan moratorium was in effect. At no time was I told that my loan was in a default status for over 10 years. In XXXX I found out about the PSLF loan forgiveness program and submitted an application. It is at this time I was told that my loan was in default and would have to " consolidate '' to submit a PSLF application. I followed the instructions, consolidated and submitted the PSLF application. I received notification that my request was denied because they would not approve the payments made for over 10 years since the loan was in " default. '' I don't think it is fair to be penalized because the lender did not provide information or assist in having the loan reclassified since I made regular payment every month for over XXXX. This is not the way to treat people who are trying to do the right thing. I have filed a reconsideration that these payments be counted. I met all the other requirements for PSLF, working for a non-profit and currently for a public entity. I believe the NY State Higher Educsation Corp representitive 's name was " XXXX. '' I will turn XXXX in XXXX XXXX and plan on XXXX next year. I have paid back including very high collection cost which in total exceeded the amount borrowed! Please help! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
On XX/XX/2023 I submitted letters to XXXX, XXXX, and Transunion asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.

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 2023-07-17 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:
On XX/XX/2023 I submitted letters to Equifax, XXXX, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
On or about XX/XX/XXXX someone took out a {$500.00} loan in my name from XXXX XXXX. The company added {$95.00} fee, so total debt was {$590.00}. The loan document uses a fake bank account and email address for me. On the signature blank my name was typed in. XXXX sold this note to National Credit Adjusters in XX/XX/XXXX, who is pursuing me for collection. I contacted NCA and they put a fraud alert on this account and stopped collection efforts.

Company response to consumer: Closed with explanation