vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc.
State: VA

Complaint narrative:
I applied to XXXX and was offered a contingent offer of employment. I was contacted by a XXXX recruiter on XX/XX/XXXX stating that I did not pass my background check. Upon my further investigation I noticed that Sterling, the background check company had included incorrect information. I have been living in XXXX for most of my life outside of XXXX  duties. My report states that I have lived in multiple XXXX cities. When I contacted Sterling to dispute the inaccuracies they would not provide me with a way to do so. I contacted them via both email and phone. The representative kept repeating my traffic infraction in XXXX, VA from XXXX. That was not the meaning of my call, but he would not listen to what I was calling about.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had multiple issues with Wells Fargo and their claims process. 

Situation 1 : In XXXX and XXXX of XXXX I had {$23000.00} used on my debit card for companies in XXXX. At the time I was in XXXX, SC which other transactions would show and I did not receive a single notification asking if I authorized these transactions. I didn't get any feedback the entire process nor did I get any provisional credit. I received a notification that my claim had been denied and when I called in they did not give me any specifics. I have never been to XXXX and these transactions should have been flagged immediately. 

Situation 2 : on XX/XX/XXXX I disputed a XXXX transaction due to not receiving the merchandise I purchased. Once again, I received no update other than my claim has been denied. 

Situation 3 : I had a fraudulent loan taken out under my name so I informed the company they can not withdrawal payments from my checking account. The third-party company withdrew 3 payments of {$800.00} and Wells Fargo once again denied my clam even though the third-party company illegally withdrew funds from my account when I told them not to. 

Situation 4 : On XX/XX/XXXX someone used my debit card to make purchases from XXXX in the amount of {$4100.00}. I received a provisional credit and assumed my claim was approved. Two months later I was given a few days notice that my claim was denied and they were taking {$4100.00} out of my account. When I called and asked for more specifics all the agent had to say is they had a picture of my license. I didn't have any opportunity to defend myself or even get a respectable notice that my account was going to be reduced by almost {$5000.00}. 

I have been banking with Wells Fargo since XXXX and I have had a total of 6 claims. 5 out of the 6 have been denied without any explanation and with a total loss of around {$28000.00}. The fact that I am not able to speak with the investigators or even get updates is appalling to me. Faithful customers who have had no prior claims shouldn't have to sit here and wonder if they are getting their money back, and be left in the dark on why it was declined.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it states these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.

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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX was reported in my credit reportlatte payment in Experian, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay Servicing committed mortgage fraud and identity theft against me by using fraudulent documents to foreclose on my home that I have no mortgage on. I've called Fay Servicing, emailed them and sent them letters explaining to them that they were illegally foreclosing on my home and they knowingly and willingly foreclosed on my property causing me to lose my home.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/XXXX ). The student loans continued to show on my credit report. In XX/XX/XXXX, I filed disputes with the credit bureaus which were closed when XXXX incorrectly reported that my loans still maintained a balance. I emailed XXXX and recieved no response. I think called XXXX and was told the credit reporting process had started in XXXX, but could take up to 90 days ( I was given a day in early XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/XXXX, I called XXXX. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for XXXX minutes.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX  # XXXX XXXX5 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 of 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 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX XXXX XXXX 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 of 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 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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. 

Account XXXX : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

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: GA

Complaint narrative:
I have attempted to work with GM Financial to bring my accounts current. However, I exhausted all resources that make sense. I am privied to ( 8 ) deferments through the life of the loans but have been denied. Additionally, I have gotten the run around from a collections manager for weeks. I spoke to a manager weeks ago he stated that he would assist. However, he has been spinning every time that I call up until today XX/XX/2023. He finally stated that he would not be able to assist me with any deferments. 

Furthermore, I am a victim of a predatory loan. The XXXX XXXX is worth XXXX I owe GM Financial XXXX with a interest rate of XXXX. I have tried to work with GM Financial by keeping good communication and trying to work things out. At this point I feel that I need to get an attorney involved if they will not correct the wrongs immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it states these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.

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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it states these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called trans union actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
1. All of the Hard inquiries are not authorized by me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On Trans union the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXX XXXX XXXX XXXX  NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called XXXX XXXX actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
XXXX. All of the XXXX inquiries are not authorized by me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On XXXX XXXX the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXXXXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help

Company response to consumer: Closed with non-monetary relief