vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : 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 2023-04-13 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint about certain business practices of Wells Fargo Bank and to alert you to what I believe are unfair and deceptive practices at best, and fraudulent at worst. 
I maintained a personal deposit account with Wells Fargo. I also operated a small business and had credit cards and a business line of credit for the corporation that was operating the business. The name of the business was XXXX XXXX XXXX XXXX 
The business suffered losses as a result of the Covid pandemic and became past due on its credit cards and business credit line. Wells Fargo charged off these debts then proceeded to set off the corporate obligations against my personal deposit account that I had set up for my son 's college education. Wells Fargo applied $ XXXX the credit cards and {$32000.00} to the business line of credit. 
I contacted Wells Fargo since I knew I did not sign a personal guarantee. Wells Fargo produced an agreement for the credit cards that had guarantee language buried in it in small type on page 5 of 6 called the Business account application. No signed document or computer record of an electronic agreement was produced for the set off applied to the credit line. I asked an attorney to contact Wells Fargo and obtain any document or computer record that would create a personal obligation on my part. After several attempts the attorney was unsuccessful in obtaining any information. 
I can not afford an attorney to sue Wells Fargo and it now refuses to respond to inquiries saying the case is closed. 
How can Wells Fargo say I am personally liable on a corporate obligation and then fail to provide any support for that position, but still proceed to take my money? I know I did not sign any guarantee document for the business credit line but Wells Fargo took the money anyway and now refuses to provide any document or computer record to show I had a personal obligation. I also believe burying guarantees in the credit card agreement is deceptive. An individual should be made aware of the rights the person is surrendering. Attached is a copy of the credit card agreement. Also attached are copies of the letters sent to me to let me know Wells Fargo was taking my money. 
I am hopeful you will look into this improper, if not illegal, conduct of Wells Fargo and assist me in correcting the matter. 
Thank you for any assistance you can provide.

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 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
At XXXX on XX/XX/XXXX my father sent me a message to call XXXX X XXXX and ask for XXXX. When I called the gentlemen, he gave me the name of the company Credit Corp Solutions but couldn't tell me who the debt was for. He transferred me to XXXX and the moment i mentioned them calling my dad which is XXXX she didn't know what to say. No where in my file did, I ever add my dad 's cell phone number, we don't even live in the same house. She mentioned that they deleted it but for the fact they searched for a number of someone else is not right and especially his cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I requested to verify account with National Credit Adjusters, ( NAC ), back in XX/XX/2022 with all 3 credit bureaus. NAC sent me a letter stated they received the request and one finish will send me out the investigation information. I understand Covid-19 was going on not to long afterwards so I gave NAC more time as they may need to send this information due to the circumstances. But it has been over a year and I've requested this with all 3 bureaus again and getting updates it verified but still have not been provide any information from neither the 3 credit bureaus and NCA. Latest i last requested was XX/XX/2022 and on my credit reports still shows disputing. MY addresses are up to date and have had forwarding included. This should not be acceptable. The FCRA gives the company 30 days to respond and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I have XXXX loans, a subsidized and an unsubsidized loan, that are serviced through Mohela. The balances of the loans are {$94000.00} and {$160000.00} respectively, with the subsidized loan having originated on XX/XX/XXXX. Previously, my loans were serviced by XXXX, but I was transferred to Mohela in XX/XX/XXXX. 

In XX/XX/XXXX, I submitted an XXXX for processing, which was completed in XX/XX/XXXX, resulting in a payment count of XXXX for both loans. However, in XX/XX/XXXX, I noticed that my counts had increased to XXXX and XXXX. To rectify the discrepancy, I immediately submitted an updated XXXX and contacted Mohela. The Mohela representative explained that the difference in counts was normal and would correct itself when the XXXX was processed. In XX/XX/XXXX, I realized my previous XXXX was incomplete and uploaded a full version. 

On XX/XX/XXXX, Mohela notified me that my counts had updated to XXXX and XXXX with the new XXXX. I contacted Mohela again to inquire about how to reconcile the counts as I was to that although they were being tracked separately, it was XXXX loan. The representative put me on hold and asked a supervisor, who requested an adjustment that would take two weeks to process. 

When I called again on XX/XX/XXXX to find out why there had been no change, the agent I spoke with a supervisor who said they could see the difference in the counts and would request a manual review, which would take an additional 30 days. During the call, it was apparent that the manual request had not been put in previously. 

During the call, I also inquired about the requirement to be employed by a nonprofit employer when discharged. I had previously explained that I might leave my employer and not work for a qualifying employer. The representative initially informed me that it was acceptable, given the XXXX waiver. Based on this information, I gave notice to my employer. However, during the call, I was informed that this was not the case, and I would not receive forgiveness if I were not still employed at discharge, regardless of reaching the threshold. 

I am now very confused and concerned because I made a decision about my employment based on incorrect information that I received. I need this addressed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13 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:
Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, Equifax, XXXX and XXXX. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the Military Star Card, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, XXXX, XXXX and Experian. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the Military Star Card, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SLM CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX sent a balance transfer check for {$1000.00} to Sallie Mae XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX Tue, XX/XX/2023 Posted XXXX XXXX  XXXX XXXX XXXX 0 % XXXX XXXX, VA , United States XXXX has not posted the payment to my account as of today XX/XX/2023. When I sent a chat inquiry to XXXX, I was told they can not research where the check is even though they know my name, address, payee, account # s, date of check, etc. They demanded a check number, and insisted that is the only way they can search for the check. 
I spoke with XXXX and they said they sent a paper check to the correct address but can not provide check numbers or canceled checks since this was a batch processed promotion. 

Note : There was a typo on my last name when the check was issued, but information on that has been provided to Sallie Mae and corrected by XXXX. 

I am still paying interest on this missing amount and of course need it resolved as soon as possible. 

I will attempt to attache the transcript of the chat with Sallie Mae in case that information would be helpful in investigating this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: MO

Complaint narrative:
The dates are not accurate as well as the services were supposed to be paid by XXXX XXXX as at the time of said services I was in a homeless shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a purchase with friends at an establishment called XXXX XXXX in XXXX XXXX, California. My friends and I purchased a table for the evening for {$2000.00} including everything, so I was told, which we split 4 ways. I, however put the purchase on my Citi AAdvantage credit card to get the points. I asked for a receipt and was told one would be brought to me. That never occurred and when we were told to leave at the end of the night, again I asked for a receipt and was refused. I made a single purchase. I did not open a tab of any sort and my card was given back to me immediately after the purchase without a receipt. The charge showed up as {$2000.00} as pending on my credit card. Then a few days later when the charge was processed, it processed for {$3000.00}. I attempted to call the company several times and always got the run around or that someone would be in contact. This never occurred. I then went on the file a dispute with my credit card company and have been denied twice because of the merchant. I have done research and read reviews and this merchant has been pulling this a lot with their clientele.

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 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I signed up for a XXXX account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, XXXX has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and TransUnion has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

XXXX XXXX  violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.

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 2023-04-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I signed up for a grain account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, grain has reported this charge off inaccurately on my credit report deliberately harming my credit score. Experian and XXXX has conspired to allow this error to harm my credit score.

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

XXXX XXXX violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.

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 2023-04-13 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: TX

Complaint narrative:
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), you may be liable for false reporting. The referenced inquiries are falsely reporting and was not authorized by myself.

Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). 


An inquiry on my report from XX/XX/XXXX with XXXX XXXX and an inquiry on my report from XXXX XXXX XXXX has falsely inputted these inquiries on my report. I have no knowledge of these and do not claim these inquiries. I am informing you that these inquiries are not mine and were not authorized by me therefore this is false reporting and a violation! Please remove the inaccurate information as I know my rights!!

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 2023-04-13 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation