vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: Professional Finance Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX reporting medical bill due. I did not owe XXXX. I have medical insurance for mental health treatment with them. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance. Their doctors have dropped me from care on several occasions without proper notice leaving me without proper mental health care and medication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I was denied a personal loan by Vystar Credit Union unlawfully under the EOCA and 15 usc 1681n.After filing out loan application on Vystars online banking app I was informed that I was denied for no lawful reason even tho a inquiry shows on my credit report indicating that a consumer transaction took place.

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 2023-08-24 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: CA

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS BEST XXXX XXXX  Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit 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 explanation
Consumer complaint received 2023-08-24 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: MD

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I have sent in multiple disputes regarding this account, and it's been removed and keeps coming back, under a different name, and the other bureaus have removed them of my credit report, but you guys refused to do so. I have submitted my police FTC report, and identification for verification. 
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

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Please see attached - there's incorrect Personal Information on my credit report that needs to be corrected.

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 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I have been receiving at least 4 to 8 call a day from the Loan Depot that are completely unsolicited considering I have not tried to apply for a Mortgage from any company much less this one.

I have returned calls to this company at least 3 times a week for over a month now and have ask them each time to stop calling me. I have spoken with multiple supervisors and various other employees at this company to ask them to stop calling me with no success.

I have been given a variety of numbers to call back if I continue to receive these harassing phone calls.

XXXX is the number left in their message to return a call or be removed from their list. 
XXXX is the next number I have been given to call back an speak with " XXXX '', who apparently was not a supervisor and didnot follow through with his promise to remove me from their list. 
Today I was given yet another number XXXX " XXXX XXXX '' who yet again has promised me that my name would be removed, only to receive a call less than 10 minutes later from this company yet again. 
I feel that is company should be fined to the fullest extent of the law, as their best practice appears to be to continually harass people with unwanted calls regardless of being on a record line and being ask multiple times to stop these unwanted calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Today, I tried to transfer my money earned on an online website through XXXX like I always do. The funds kept getting sent back to XXXX. I then tried to get a small online advance ( again, I do this all the time through an app called XXXX ). I got a message from XXXX that there is an issue with my bank, and I need to contact them. I called my bank, Wells Fargo, and was told that I had at least a 45-minute wait to speak to someone! Upon opening my computer and investigating, Wells Fargo has a coy message in the color blue " We've converted your checking account to another checking account. See your statement for details ''. I opened my online statement and found nothing to indicate that my checking account had been converted to any other account. I called back Wells Fargo, this time trying to get to their fraud department for an explanation. I received this message " Due to technical difficulties we are experiencing longer than normal wait times ''. I left my telephone number for a callback. I received an automated callback from Wells Fargo again informing me of an indefinite wait time to speak to someone. This is completely unacceptable. Throughout my years as a Wells Fargo customer, this bank has seemed to face repeated issues, both consumer-related and legal. I am so tired of having my life turned upside down by this bank! There is never any accountability from Wells Fargo when I reach out to them. I can not receive money into my account, I can not even communicate with Wells Fargo, and apparently, my checking account has been " converted '' without my knowledge, which I believe is the reason for the sudden problems with my checking account!

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 2023-08-24 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. 

I noticed a few days later that my payment had not been pulled from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. 

On XX/XX/XXXX, I noticed that Wells Fargo still had not pulled my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. 

At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. 

Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. 

I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/23 I pulled my credit report and discovered that there was all kinds of outdated and incorrect personal information on there. I sent a letter to the 3 bureaus to remove it and they did not do it in the 30 required days. Here is what I sent to all 3 : Dear Consumer Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion is reporting 5 Inquires on my credit report that does not belong to me. 
XXXX. XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX Fraudulent information is being reported on my credit report and TransUnion has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1990 i tried cashing q check the XXXX XXXX XXXX for XXXX and this was almost 7-10 YEARS go and the bank said they couldn't CASH IT BUT if I WAS TO DEPOSIT it into a bank account then I could bank with wellsfRGO AND pull my money out with my debit CARD AS I PLEsed Sso i deposiyed the whole check stRTED a bank account and asked if i couod with drawl XXXX $ from my account they said yes and they said XXXX they had to put XXXX of my money on hold until eveeythin wS COMPLETE and they were to put thT MOMEY BACK INTO MY ACCOUNT WELL I NEBER GOT THt momey back and XXXX XXXX of that about XXXX days lTER I WENT TO USE MY BANK CARD AND IT SAID INSUFFICIENT FUNDS SO I WENT TO THE BANK IN ARIZONA IN XXXX XXXX XXXX XXXXXXXX an XXXX XXXX and they said they put a hold on my account and froze my account that i woulmt not be able to touch my money for at least two weeks so inwas upset and un professional had words with the bank, anger and he ended up calling the police and had me trespassed so i couldnt go amd receive my money and i got that money from my mother passimg away and at the XXXX, XXXX it wS EVERYTHING I had and that really messed me up left me homless on the streets and for no reason i want to sue for this and i had no idea i couod but i eventually got my momey back accept fpr the XXXX $ they put on hold and never returnes to, me... So I would like to be compensTED FOR THIS OR I CAN JUST TAKE THIS TO MY Lwyer now that i know I do habe a case unless u guys want to, ake mw a decent offer and we cN SETTLE IT LIKW THat ....

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 2023-08-24 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 ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
COMPANY HAS NOT PROVIDED VALIDATION ON INACCURATE INFORMATION ON MY CREDIT REPORT. THEY WILL NOT REMOVE UNKNOWN CLOSED ACCOUNTS ON MY CREDIT REPORT. THERE LETTER DO NOT MEET FEDERAL GUIDELINES AND THEY ARE CONTACTING THIRD PARTY AGENCIES THAT I DO NOT HAVE CONTRACTS WITH AND REPORTING FALSE INFORMATION.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
COMPANY HAS NOT PROVIDED VALIDATION ON INACCURATE INFORMATION ON MY CREDIT REPORT. THEY WILL NOT REMOVE UNKNOWN CLOSED ACCOUNTS ON MY CREDIT REPORT. THERE LETTER DO NOT MEET FEDERAL GUIDELINES AND THEY ARE CONTACTING THIRD PARTY AGENCIES THAT I DO NOT HAVE CONTRACTS WITH AND REPORTING FALSE INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
COMPANY HAS NOT PROVIDED VALIDATION ON INACCURATE INFORMATION ON MY CREDIT REPORT. THEY WILL NOT REMOVE UNKNOWN CLOSED ACCOUNTS ON MY CREDIT REPORT. THERE LETTER DO NOT MEET FEDERAL GUIDELINES AND THEY ARE CONTACTING THIRD PARTY AGENCIES THAT I DO NOT HAVE CONTRACTS WITH AND REPORTING FALSE INFORMATION.

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