vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Auto Finance coded my credit report on all XXXX credit bureaus XXXX days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the Wells Fargo App with is corrected to my Wells Fargo Checking Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account XXXX supporting my compliant. My payment was not 30 days late.

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 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ) ; US POSTAL FC has violated my rights. OnXX/XX/2022 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been a victim of identity theft. Theres an account from XXXX XXXX  that was open on XX/XX/2017 with a amount of {$780.00} dollars on my report. Ive have try to get them to remove it due to fraud. The account number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
In XXXX of XXXX I sold my property and moved to another county. XXXX XXXX XXXX XXXX XXXX XXXX and Lueder Larkin & Hunter, LLC continue to bill me for alleged fees accrued after the sale of my property. I have disputed the debt with both aforementioned entities and have received no response. I have not received any communication about an alleged debt, but instead the property manager of the property I sold contacted me to advised Lueder Larkin & Hunter, LLC was attempting to serve me at his address. The property manager advised me that he advised Lueder Larkin & Hunter, LLC on XX/XX/XXXX that I did not reside at his address. Lueder Larkin & Hunter used a fraudulent affidavit of service in order to get a default judgement for a debt I do not owe at an address that I do not live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022, I made a XXXX  report because this company has fraudulently doctored account ledgers, added more payments to my account that I dont owe and have been falsely placing things on my credit. They told the XXXX I missed a payment for XXXX but the last 3 reps Ive spoken to in the last 2 weeks minus tosay, have all said I missed XXXX & now theyve stuck to XXXX anytime I did speak to someone about this issue. They provided the XXXX with a payment ledger they only provided me after weeks of asking and what they have does NOT match my bank statements from when Ive made the payment. The XXXX got the proof of payments Ive sent and when I tried to fight it, they said I didnt have a claim. Ive reported credit Acceptance to the 3 bureausXXXX XXXX  XXXX and XXXX and all 3 bureaus REFUSE to validate the account and say that its accurate even with me proving proof that its not. I have been unfairly harassed by the people in this company and they have been falsely putting late payments on my credit. Theyve called me 6 times today & its only XXXX as of XX/XX/2022. I want this harassment to STOP immediately. I want NO contact with this company. They are CONSTANTLY calling me from different numbers

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 2022-08-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-14 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: CA

Complaint narrative:
Daily resubmission of complaint originally from XX/XX/22 until Experian ceases and desists in defying authority of CFPB in refusing to cooperate with investigation The following figures are directly from the Experian credit report Credit cards or credit lines Total balance : {$85000.00} 100 % credit usage Credit used : {$26000.00} Credit limit : {$55000.00} $ XXXXdivided by {$55000.00} equals 48 % revolving utilization ratio. 

It does NOT equal 100 % as is being falsely reported and as results in XXXXredit score being falsely reported

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 2022-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  ) inquiry XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XXXX ) inquiry XX/XX/2022 XXXX XXXX  XXXX XXXX inquiry XX/XX/2022 XXXX XXXX inquiry XX/XX/2022 I dont recognize this inquiries. I didnt give authorization for this inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.

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 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  OPENED XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX violated my rights. 

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,

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 2022-08-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX, XXXX/XXXX OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX. XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX violated my rights. 

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,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Second request : Please tell me the specific total amount of principal paid on my mortgage and the total amount of fees added to my mortgage. DO NOT SEND ANYTHING ELSE! JUST PROVIDE THE TWO TOTALS REQUESTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. 

15 USC 1681 Section 602 states : I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX Payment was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.

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 2022-08-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.

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 2022-08-14 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: NV

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my Equifax, XXXX, and XXXX consumer reports regarding XXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, Equifax reports 30 days past due, while XXXX and XXXX are reporting OK ; XX/XX/XXXX, Equifax reports 60 days past due while XXXX and XXXX are reporting 30 days past due ; XX/XX/XXXX, Equifax reports OK while XXXX and XXXX are reporting 60 days past due ; XX/XX/XXXX Equifax is reporting 30 days past due, while XXXX and XXXX are reporting OK ; XX/XX/XXXX Equifax is reporting 60 days past due and XXXX and XXXX are reporting 30 days past due ; XX/XX/XXXX Equifax is reporting 90 days past due, and XXXX and XXXX are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is Equifax still reporting a payment history until XX/XX/XXXX ; and XXXX is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and Equifax, as well as XXXX and XXXX are inconsistent and not following these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 then records of conviction of crimes which antedates the reports by more then 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.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse

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