vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. It has come to my attention that despite my numerous attempts to resolve this issue, there has been no satisfactory resolution. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
XXXX XXXX XXXX THIS IS FRAUD, PLEASE DELETE!!!! 
It has been months already since I initially reported this issue, and yet, these fraudulent accounts persist on my credit report without any explanation or resolution.I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.

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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. It has come to my attention that despite my numerous attempts to resolve this issue, there has been no satisfactory resolution. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
XXXXXXXX XXXX XXXX THIS IS FRAUD, PLEASE DELETE!!!! 
It has been months already since I initially reported this issue, and yet, these fraudulent accounts persist on my credit report without any explanation or resolution.I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I used to live at an apartment house, address XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. I moved out of there in XXXX of XXXX. A CBNA Wayfair credit card was opened in my name from a person living at this address in XXXX of XXXX. It showed up in my credit report so I called them to report it as fraud in XXXX of XXXX. They dropped the case in XXXX of XXXX and sent all correspondence to the old address. Citbank seems to take no reponsibility for issuing a credit card to a complete stranger in my name. I need this removed from my credit report and history and they will not cooperate.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advantage Credit, Inc.
State: OR

Complaint narrative:
Unauthorized credit inquiry on report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I call multiple times in XXXX. I have yet received any information. I have called XXXX multiple times I have tried going to the post office them letters Ive filled out envelopes. Ill try finding errors in the contract.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
On XX/XX/, my account was removed from administrative forbearance for no reason and is supposed to be in forbearance until they can process my student loan discharge which the Department of Education has approved. Mohela has all of this information, and I called yesterday and was told after waiting for more than 2 hours that the forbearance was removed because of an error and that it would be put back in place, however, on XX/XX/. I received a bill that I owed a payment. Therefore it is obvious that they did not complete the process or follow through with their word. Last time it took three complaints from the Department of education to get the account put in administrative forbearance in the first place because of my borrow defense application and the lawsuit approval of which they have all of the correspondence and information from the department of Education, which they have received at least two times, and a letter from me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for discover Bank to close this account due to it being fraudulent identity theft account. 
Instead of closing the account Discover Bank used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. 
They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. 
By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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:
THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS AND INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED THE ACCOUNTS DONT BELONG TO ME. 

XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am a credit card holder with Wells Fargo as of earlier this year. I have always paid my bills, and my credit score is over XXXX. I tried to contact Wells Fargo to no avail. 

On the last statement, Wells Fargo has billed me incorrectly in the amount of {$430.00}. This amount does not include my payment made on XX/XX/XXXX of {$170.00}. Therefore, the correct amount to be billed is as follows : {$430.00} - {$170.00} = {$260.00}. 

I have confirmed this amount with the Posted Transactions for this period of time. The Posted Transactions do reflect my payment of {$170.00} and the reward {$14.00}. If you add up the Posted Transactions and the payments/rewards, you will arrive at {$260.00}, the correct amount to be billed. See enclosed screenshots. 

Solution : Have Wells Fargo correct their mistake and bill me for the correct amount of {$260.00}.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, EQUIFAX and XXXX have violated 15 USC 1681 by reporting inaccurate information.This inaccurate reporting has caused injury to me and emotional damage due to not being able to access my credit. They have also violated 15 USC 1681C ( a ) ( 5 ) which 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. '' These accounts are adverse items and they are reporting again without my permission which is against the law. Again, these adverse items are causing injury and damage to me because they are preventing me from accessing my credit and being able to get the house, car and food I need for me and my family. 

Inaccurate accounts that need to be removed include : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN, XXXX and XXXX have violated 15 USC 1681 by reporting inaccurate information.This inaccurate reporting has caused injury to me and emotional damage due to not being able to access my credit. They have also violated 15 USC 1681C ( a ) ( 5 ) which 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. '' These accounts are adverse items and they are reporting again without my permission which is against the law. Again, these adverse items are causing injury and damage to me because they are preventing me from accessing my credit and being able to get the house, car and food I need for me and my family. 

Inaccurate accounts that need to be removed include : 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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
Had this car for 2 months, and tried to return it. The salesman would not budge. He knew they were charging way over what the car was worth. We would surrender the car, but we need to have something for work. The car is not safe, I've had 2 spin outs, and there is no FWD. Gm Financial will not help with lowering the payments. I talk to them regarding the payment plan, and they still call me 3 days later. I even had a guy hang up on me, because he wanted to flap his mouth the whole time. They also play good guy, bad guy. The person you talk to just says, we will note the account of your payment arrangement, then someone calls you, to tell you what you already talked about 2 days ago. So stupid!! I lost my job 4 months ago, due to a shut down, and can't make all the payment. I am XXXX, and on unemployment. GM does not care. I feel like filing bankruptcy, but don't want to. I wish I never heard of the dealer in XXXX, and GM Financial!! They have enough money, so why can't they give people a break? All these big dealerships, need to be taught a lesson. Lets boycott the big names, and buy used. I bet they would stop these practices. I know there are a lot of inventory unused, but people are so money greedy, they don't want to get to people, and families that are barely making a living!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Subject : Dispute of Closed Account Impacting Credit Score, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to you in reference to my credit report, specifically regarding a closed account that is adversely affecting my credit score. 
Upon reviewing my credit report, I noticed that a closed account, XXXX, is still listed, and its presence is negatively impacting my credit score. The account in question has been closed for [ mention the duration it has been closed ], and I believe its continued appearance on my credit report is inaccurate and unjustly affecting my creditworthiness. 
As I am currently in the process of working towards securing a mortgage to purchase a home, it is crucial for me to address and resolve any discrepancies on my credit report promptly. The presence of this closed account is hindering my efforts to build a positive credit history, which is essential for my home-buying goals. 
I kindly request a thorough investigation into the reporting of this closed account. If it is found that the reporting is inaccurate or incomplete, I request that you take the necessary steps to correct my credit report and remove this closed account from my record. 
I appreciate your prompt attention to this dispute and request that you provide me with updates on the progress of the investigation. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require any further information. 
Thank you for your assistance in resolving this matter promptly and helping me achieve my goal of homeownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime blocked access to my account without prior notice and without giving convincing reasons. I sent an email to support and they sent me a list of documentation that I should provide to gain access to the account again. After arranging everything, they say that the analyst will give feedback and this has been going on for 7 days. Then they want me to explain and provide the deposit details that were made to my account, its origin, etc etc etc I found it incoherent, abusive and I feel my privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
The company " Portfolio Recovery Associates , LLC '' have called me multiple times starting on XX/XX/. I received 2 other calls from them in that month. In XXXX I received calls on the XXXX, XXXX, XXXX, XXXX, and XXXX. The XXXX I answered and they were trying to get ahold of a person that was not me. I informed them they had the wrong number, remove my number from their list and to not call me again. The next day I got another call from them of which I missed. Again today I got a call and answered and informed them of the same thing and also spoke to a supervisor and informed them to personally remove me from their list. Since they didn't care about me telling them on the XXXX to not call again I have a feeling they will call again even after this other time telling them to not call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: RI

Complaint narrative:
violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State 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 an account without my written instructions, 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 any consumer reporting agency if the

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 2023-11-30 00:00:00
Product: Credit reporting 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: RI

Complaint narrative:
violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State 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 an account without my written instructions, 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 any consumer reporting agency if the

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation