vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: VA

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX That is a huge difference XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: AL

Complaint narrative:
Experian is reporting un-verified accounts on my credit report I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated 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 2021-10-15 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: CA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has caused all kinds of problems since Ive had this credit card, really bad customer service, lied to constantly treated very badly, disrespectful employees, constantly transferred from departments to departments, Ive had this credit card for over a 1 and half not one time have they move this over to a unsecured credit card but I have made every payment on time and Im advance I have paid off purchases every time I used my credit card, no one wants to help, every time I call I get hung up on I want the company to reach out to me because there customer service is just that bad, I ask for help I get wrong information Im tired of it and Im just about to close my account with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Consumer Finance, I am the victim of banking fraud of Wells Fargo. 

On the morning of XX/XX/2021, I received a call with caller ID Wells Fargo, letting me know that my online bank account got unauthorized transactions and the caller will help get my money back. I believed it really was Wells Fargo. I was on the phone for a long time, going through steps, being put on hold and he promised to get all my money back. While on the phone, I checked my online banking account and showed it got blocked, I was not be able to log in. He said he will work on my case and will call me back. I trust that he was from Wells Fargo and did not get suspicious. 


Later that day I called Wells Fargo Fraud to check my account, they said they never call me. Then I knew I was a victim of banking fraud. I even went to the bank location, they said they can not help. I called Wells Fargo Fraud several times and every time they said they are working on my case. 

I received Wells Fargo letter stating that they can not reimburse and have closed my claim. I did not authorize anyone to use my account. I am a victim of banking fraud of Wells Fargo. The fraudulent transactions are covered by Regulation E, and as a consumer, I should be getting my refunds back. 

I am very XXXX. I do not know who can help me. I am old and already retired. That is all the money I have saved up. Due to the pandemic and my deteriorating health, I can not go to work. Please help open up my claim and help getting my money back.

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 monetary relief
Consumer complaint received 2021-10-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A couple months ago, I noticed an additional savings and checking account appeared on my online banking app from Wells Fargo. I never opened them. When I called them they refused to close them and said they'd deactivate them and monitor them. After several more phone calls they finally agreed to close them- they didn't, they sent me emails and letters saying the accounts were closed but when I went into a branch office today to close my actual accounts, they advised me that those fraudulent accounts were still opened, just deactivated. 
I told them to close all of my accounts as I no longer want anything to do with them. They said they couldn't close them all and I should call an 800 number tomorrow ... Saturday? 
This is fraud at its core! Wells Fargo- you're fired! This is the same behavior that you were sued for previously. The only reason you don't want to close those accounts is it was YOU that opened them without my permission! It wasn't a hacker like you claim... it was you.

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 monetary relief
Consumer complaint received 2021-10-15 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This just proves that the 3 Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
In XX/XX/2021 I reapplied for Income Driven Repayment Plan through Nelnet attaching signed documents and affidavit statement of {$0.00} income as did not file with IRS. Nelnet 's dashboard for uploading documents then up loaded executed forms and non executed forms. It would not allow me to delete nor view uploaded documents. 

Nelnet continue to harass effort of non receipt and upon a second successful effort to provide them with documentation, uploaded to their dashboard. I am still receiving demand of already submitted. I do not and can not afford a phone and have effortlessly tried to comply with what is being asked of me. However Nelnet still harasses to default loans to garnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TX

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account COMENITYBANK/ XXXX is reporting late ( XXXX and XX/XX/2020 ) as reported in my 3 Credit Bureaus XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PA

Complaint narrative:
I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX - XXXX  XXXX  XX/XX/2021 Experian - XXXX  XXXX  XX/XX/2021 XXXX  XXXX XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021

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 2021-10-15 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: NY

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the accounts and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-15 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: NY

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX fico  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a car and used Capital One to finance. I set up auto pay after my initial payment online and thought i was done with it. Turns out, it never went through, they never received it, or whatever excuse they claim, it was 100 % done on my end. They wait til i am two months late to even ATTEMPT to make contact and let me know i was late, meanwhile they are hurting my credit. I called, they explained, i calmly set up auto pay on the phone, took care of the back payments and asked if there was a resolution. They said i could dispute it with their office, which we know is automated and they will not help a single father like me when it was a mistake, i believe on their part, but apparently on mine. That one late pay docked my credit score 100 points!! I went from about to get a loan to looking for a place to live, all because they wanted to rack up late fees, not contact me, and then deny me when i asked for a resolution? Seems unreasonable and unethical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR .THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. THIS IS A DUPLICATE ACCOUNT US CODE 1692e False and Misleading Representation US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XX/XX/XXXX, 110 Stat. 3009425. )

Company response to consumer: Closed with explanation