vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
My XXXX XXXX XXXX is XXXX of California. 

They have a history of not recognizing nor respecting maximum co-pays for calendar years. 

for XXXX I hit my maximum co-pay on XX/XX/XXXX I was asked to pay a copay on XX/XX/XXXX and declined. 

XX/XX/XXXX XXXX sent me a bill. 

They gave me an email address ( XXXX ) to send the letter confirming this from my insurance. 

This email was sent XX/XX/XXXX. No response was received. 

I emailed a follow up XX/XX/XXXX. 

I received another bill in XXXX. 

I called XX/XX/XXXX and was told my email had been received and to reply to the email and ask them to call me. 

No followup nor phone call was received. 

XX/XX/XXXX I received a notice dated XX/XX/XXXX from Designed Receivable Solutions that they were collecting my debt on behalf of XXXX. 

I do not see how it can be legal to send a debt under dispute to collections without any attempt to address the consumer 's issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting acted conter Search ) Account #. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
With u loans has reported a single loan about 21 times on my clarity report. The loan was taken care of yet they refuse to update it! Ive reached out to the Iowa attorney general who says tribal loans cant be enforced in Iowa because of their terms exceeding iowas loan laws!

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 2023-06-17 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: NY

Complaint narrative:
This XXXX XXXX XXXXXXXX credit card is fraud and was open fraudulently all of the transactions done with this account was not authorized by me

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of Experian. Unfortunately, despite my initial contact on XX/XX/XXXX, Experian has not responded to date. Consequently, I am seeking your assistance in resolving this matter. 

The following details outline the specific inaccuracies and necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that Experian removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that Experian corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that Experian removes this account entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: DE

Complaint narrative:
This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any items in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX Balance : {$2500.00}, XXXX ' BA XX/XX/2023

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of TransUnion. Despite my initial contact on XX/XX/XXXX, I have not received a response from them to date. As a result, I am seeking your assistance in resolving this matter. 

The following details outline the specific inaccuracies and necessary corrections that I require : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that TransUnion removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that TransUnion corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1100.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that TransUnion removes this account entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had direct deposit for an account with checks that were supposed to be direct deposited. I was told to close this account back in XXXX by Wells Fargo because of suspicious fraud transactions. If I reopened a new acc. Will it disrupt my current deposits an will they be transferred to a new account. Wells Fargo assured me that absolutely everything will continue! I still havent been able to get any deposits since then. On XXXX a deposit of {$5500.00} had went into a closing account but Wells fargo failed to notify me, an failed rerouting to my new account. Even tho In Wells Fargo disclosures state the first 90 days Wells Fargo is responsible for anything for any transactions relating to direct deposited or issuing a check in the amount for a closing account. Ive been trying since to have Wells Fargo rectify the situation. Wells Fargo then tells me that now I have to contact the issuing company to have payment reissued. In doing just that they say to contact the bank and go around and around since. I was told to go down to the branch that opened the new account in doing so I had the Wells Fargo banker say, oops my bad I made the wrong account by accident and i was told to call Wells Fargo again an email them to have then fix it. In doing so, Most Wells Fargo employees had actually never even read their own disclosure 98 % of them had no clue about anything. Wells Fargo would just have me transfer to another employee and then at the end just tell me to go to the branch after being on the phone for 3-4 hrs every time. I have gone through all the steps and still havent received a phone call back. An each time I have to explain the situation again and again! As if Wells fargo doesnt evn have a clue about whats going on.

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 2023-06-17 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:
I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated.

Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting 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 non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated. 
Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX OF 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 2023-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX DMV suspended my drivers license for not having auto insurance on a vehicle that is not mine. 

My husband and I had this auto loan first with XXXX XXXX XXXX XXXX. My husband had that same car refinanced with Upstart Loans as the only owner. No co signer or a joint loan. 

Upstart paid XXXX XXXX XXXX XXXX on XX/XX/XXXX which reflects on my credit report. I have my own vehicle financed with my own finance company, and the loan is in my name only. I have full auto insurance for my vehicle, therefore my license should not be listed with the DMV by this company with my name. 

When the car was approve and refinanced by Upstart Loans, they should have updated the title with the owner of that loan. 

It appears Upstart falsified my name on this tag and tittle, due to the fact, I do not have a loan with them, and they do not have any correspondence showing a application, or my signature for his vehicle. This loan is not on my credit report, but listed on my husbands due to he is the owner. 

I was told by Upstart today, that this will take up to 2-3 weeks, therefore my drivers license is suspended on a vehicle I do not own. 

This is NOT LEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
Account # XXXX, XXXX, XXXX has violated my rights. I have an open credit card late payment, that should not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account # XXXX, XXXX, XXXX has violated my rights. I have an open credit card late payment, that should not exist.

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 2023-06-17 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: PA

Complaint narrative:
I spent a year in XXXX my information was stolen by XXXX XXXX XXXX in the country including my passport. The group cloned my phone and created fake credit cards and debit cards and made many transactions I was unable to report the information because I was still in the country and the threat of XXXX was a constant and I was under duress and my coworkers also so even leaving the country and reporting the issues was life and death. I had my apartment broken into and had my computer and other personal items stolen which I reported to the local police in XXXX and I asked them to use discretion because the perpetrators are unknown. I reported everything when I returned to the United States and my coworkers were all back on American soil. My bank XXXX XXXX denied my claim and refused to return the money and credit my credit card accounts. They returned some money to my personal account of {$560.00} but denied all the bigger claims even with police reports and emails from the XXXX XXXX XXXX. I have provided all the proof that is available to me as a US citizen in a foreign country. XXXX XXXX XXXX is not alerting me to why they are denying my claims until I have to keep calling for answers. This is an ongoing problem with the bank ive learned through various social media sites. The incident began in XXXX of XXXX, They were alerted to the situation when I returned to the United States and to help track the stolen money I had to hire a private investigator. The supervisors of the fraud department agree with my evidence and don't know why the claim keeps getting denied and this can be verified with the tapped conversations. Also, the investigator is not reading the emails that I keep sending because they are responding without reading the information and making various mistakes. I fear I will lose my money in retaliation. The investigation has been ongoing since XXXX of XXXX it is now 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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is filed against XXXX, Espirian, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. XXXX s report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both Espirian and XXXX reports are missing date account opened. XXXX. Both Espirian and XXXX reports are missing date last verified. XXXX. XXXX reports date of last activity as XXXX. Espirian reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both XXXX and Espirian are missing date of last payment. XXXX. XXXX report under dispute status shows account not disputed. Contrary on same report under Creditor 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. XXXX report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which XXXX failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. 9. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 10. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. Espirian failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of consumers smart credit 3 bureau report is included in this complaint to verify al errors and discrepancies.once all 3 reports are side by side there is no way all 3 bureaus verified different information from same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is filed against XXXX, XXXX, and Equifax for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. XXXX errors are : XXXX. XXXX XXXX report reports this account as open.This is a closed account and in collections. XXXX. Equifax report also shows this account as open. This account is closed and in collections. XXXX. Both XXXX and Equifax reports are missing date account opened. XXXX. Both XXXX and Equifax reports are missing date last verified. XXXX. XXXX reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. Equifax reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both XXXX and XXXX are missing date of last payment. XXXX. XXXX report under dispute status shows account not disputed. Contrary on same report under XXXX 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. XXXX report under XXXX 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which XXXX failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. XXXX. Espirian report says under Dispute status that account not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. XXXX. Espirian reportsays account disputed under XXXX 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. XXXX failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify al errors and discrepancies.once all XXXX reports are side by side there is no way all XXXX bureaus verified different information from same account.

Company response to consumer: Closed with non-monetary relief