vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-03-24 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
When I went to trade in my car to another dealer when I still owed on it through Wells Fargo it was showing me I owed {$5700.00} left and they added a extra {$1200.00} to the over all payout.

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 2023-03-24 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: MD

Complaint narrative:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX XXXX XXXXE ( Bank ) delete it from my credit report, XX/XX/2023 Hard Inquiry : XXXX XXXX ( Bank ) delete it from my credit report, XX/XX/2023 Hard Inquiry : XXXX XXXX  ( Bank ) delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, 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 2023-03-24 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TDXXXX opened a retail account without my consent and approval. I contacted the company on XX/XX/XXXX and they are doing nothing to fix the issue. This account needs to be closed ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I made an additional escrow payment in the amount of {$4700.00} to offset my escrow shortage of {$5300.00} and to lower my monthly mortgage payment due XX/XX/XXXX. I made the additional escrow payment via Wells Fargo 's website. However, Wells Fargo 's system did not make apply any of the {$4700.00} to additional escrow as I submitted. Instead, Wells Fargo made a payment in the amount of {$1700.00} to the XX/XX/XXXX piti payment. Wells Fargo also made a payment to the principal balance in the amount of {$2900.00}. A total of zero dollars of the {$4700.00} was applied to the additional escrow as I requested. On XX/XX/XXXX, I noticed the {$4700.00} was not applied to 'additional escrow ' and I called Wells Fargo XXXX escrow department. The representative reversed the previous payments and applied them correctly. However, because of the incorrect application of the {$4700.00} that I requested on XX/XX/XXXX, I had to pay a significantly higher mortgage payment for XX/XX/XXXX. After speaking with a supervisor, it was explained that additional escrow payments that do not satisfy the complete escrow shortage amount are labeled as 'unapplied funds ' and are applied differently. Wells Fargo website does not provide a disclosure explaining this situation to customers.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Synovus Bank
State: CA

Complaint narrative:
My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I made a final payment with XXXX XXXX XXXXXXXX 2020. They are still reporting as a delinquent/derogatory.

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 2023-03-24 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: GA

Complaint narrative:
I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I have been informed by this company to contact Experian and XXXX regarding this issue XXXX There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account is also reporting as a collection on my Experian report, so the same account is reporting twice. The name of the collection company is XXXX XXXX XXXX and the collection amount is {$3200.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.

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 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
ERC XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 To whom this may concern, I am disputing the debt XXXX XXXX XXXX XXXX XXXX account with account number XXXX. 
ERC is trying to collect on is a clerical error. When I discontinues service with XXXX, I returned all equipment. Later I got an email saying I owed XXXX {$110.00} for equipment. I went back to XXXX, spoke to the same comcast representative that I had returned equipment to. He said it was a clerical error and that he would fix the error. I believe XXXX is engaging in unlawful business practices, i.e. ; creating a fictitious debt writing off the debt and selling the debt to third party collections. I am going to send a copy of this letter to www.cfpb.gov/debt-collectionlaw. With a note that says once these practices reach critical mass I want to be included in the class action lawsuit against XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX How do you want to respond? 

Check all that apply : x I want to dispute the debt because I think : This is not my debt. 
The amount is wrong. 
x Other ( please include additional information ). 
I want you to send me the name and address of the original creditor. 
I enclosed this amount : $ ____________ Make your check payable to ERC. Include the reference number XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Deinde Online Services, LLC
State: MI

Complaint narrative:
I made final payment to integra credit XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
This account has been closed and has been paid in full XXXX XXXX Account # 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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My personal information that I need on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX any other names or addresses are not accurate and need them removed

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 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: KS

Complaint narrative:
On XX/XX/2023 I initiated a consumer credit transaction in good faith ( 15 usc 1691 ( a ) ( 3 ) ) to obtain a vehicle for personal, family, and household purposes. I exercised my RIGHT as a consumer to initiate this consumer credit transaction in good faith, but was violated and discriminated against ( 12 CFR 1002 ). There was an offer advertised by the company and acceptance on my behalf as a consumer of that advertised offer, but no benefit, service, or contract has been extended. I also have proof that this agreement took place but no benefits have been rendered. Mercedes-Benz Financial Services used unfair, fraudulent, and deceptive mechanisms to obtain my nonpublic personal information from a non-affiliated third party and never gave me the proper disclosure of the process they were using or a chance to opt-out of the sharing of my nonpublic personal information ( 15 USC 6802 ). Furthermore, MBFS violated me by using information solely as to the transactions and experiences between me and the person that made the consumer report in there Notice of Action Taken and Statement of Reasons, to which I never gave them consent to do, and is also inaccurate and false information that does not reflect my creditworthiness as a consumer. One of the reasons of not extending me consumer credit was because of high payment relative to income but the associate only asked about gross monthly income from one job and never asked if this was my only source of income to account for. You never asked about all of my sources of income so how can this be an accurate determining factor? And how can you tell me what I can and can't afford with my personal income? The end result of consumer credit not being extended to me when I applied for it pursuant to the advertised offer, has been extremely unfavorable, discriminatory, emotionally damaging, and deceptive to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I am disputing any and all charges From XXXX XXXX. This was a free trial offered, see attached emails from XXXX XXXX. This was cancelled within the time period allowed. XXXX XXXX has continued to charge me for the original amount of {$310.00} if even though it refunded me initially but charged it back again. XXXX then charged me an additional charge of {$530.00}, which I disputed the charges immediately, but to no avail. The credit card company resolved the the dispute in their favor before I even had a chance to reply. See attached dispute, dates and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and XXXX is its been 5 months nothing done still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and Experian is its been 5 months nothing done still

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 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I sought to purchase a vehicle due to my previous vehicle being wrecked. In doing so I opted to use the same dealer that I used prior. I searched XXXX inventory and found a car that I liked. At the time I was not prepared to purchase due to a lack of finance.During this time I was enlightened as to the laws of Truth and Lending and began discussion with the agent of XXXX. I was under the impression that as the contact made reference to Truth and lending that I would be able to forego a down payment.XXXX made reference to account validation and I knew that I had no funds to give a down payment.I was overjoyed when I was approved even though I had no money in my account. We sealed the offer and I began to deal with financing. The vehicle was delivered to my home and days later I began to receive calls about a Down payment. I attempted to communicate with XXXX about this matter to no avail. I contacted Bridgecrest Credit because my first payment was almost due. Upon talking to Bridgecrest I was told that XXXX placed a repossession order in effect for a {$2400.00} down payment. This tactic forced me to borrow {$2400.00} to keep the vehicle due to necessity. Consequently I am behind due to my repayment of the money that I borrowed and now Bridgecrest is continually threatening me with repossession for my late payments. I should not have to quote law because I know that businessmen know these laws before they underhandedly sell their cars.I want the {$2400.00} repaid to me or placed in honor of my obligatory payments for this vehicle.Thanks in advance for your assistance. I have no problem paying my payments, yet this act placed me behind not only on car payments but my personal bills as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent them documents showing that XXXX was not reporting XXXX XXXX on my credit report any longer. This was mailed to them on XXXX and as of XX/XX/ I have not had a response from them about this.They have had over 30 days to look into this matter so this needs to be removed from my credit report asap.

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