vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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 FOLLOWING CREDITOR IS REPORTING ON MY CREDIT WHICH IS IN VIOLATION OF MY RIGHTS AND FDCRA. I DO NOT HAVE A SIGNED CONTRACT OR OWE ANY DEBT OR HAVE RECEIVED NOTICES OR PROOF OF ANY TYPE OF AGREEMENT. THEY ARE REPORTING A FAKE PAYMENT HISTORY, OPEN/CLOSED DATES, AND ALL OTHER LOAN DETAILS.ARE FALSE. 

CREDITOR : ACHIEVE PERSONAL LOANS XXXX Equifax Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance - Bureau Code Individual Credit Limit - Date Last Active - XX/XX/XXXX XX/XX/XXXX Date Last Payment - XX/XX/XXXX XX/XX/XXXX Date Opened - XX/XX/XXXX XX/XX/XXXX High Credit - {$12000.00} {$12000.00} Last Reported - XX/XX/XXXX XX/XX/XXXX Month Term - XXXX 36 Monthly Payment - Past Due - Payment Status Collection/Chargeoff Comments- Transferred to another lender. Account charged to profit and loss Charged off account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Hello Specialized Loan Servicing is in XXXX XXXX holder position in regards to my home located at XXXX XXXX XXXX, XXXX, MD XXXX. Recent months they have sent correspondence in reference to what I owe. I received a letter dated XX/XX/23. It was loan modification documents that they structured and sent out. I had a lot of concerns with it. The letter states to make sure you appeal no later than XX/XX/23. On XX/XX/23 I sent via fax, loan portal and email a copy of my appeal letter. Today on XX/XX/23 I recieved a letter confirming receipt of my appeal. I am submitting this to the CFPB because XXXX is known for not responding in a timely fashion or later stating they never received the documents. To protect my rights I am making CFPB aware of this so that I have a witness of the dates I submitted documents to protect me and ensure that my concerns are addressed. Thank you. 

P.S. Please be advised that this is a separate concern from the what was submitted under COMPLAINT ID 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 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: CO

Complaint narrative:
I got a personal loan at elevate medical to assist me in medical issues that I was facing they help me get along through their company that they use for a certain price and a certain amount of treatments I did not receive all not even 20 % of the treatment that I was signed up for before they went out of business now they have released my information and the debt to a creditor saying that I owe a outrageous price for services that was not rendered I tried to speak with both entities the lending company and the doctor 's office that was treating me but due to I don't know what I have not got the problem resolved upon looking and my credit report the billing went from a {$5000.00} loan or XXXX XXXX almost {$8000.00} for services that I did not receive when I asked them to return the money back to the loan company that they receive for my treatment they specifically told me they will not and they can not do which I know was not true that's why I am contacting you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
To whom it may concern, I am requesting for assistance with Genisis FS Card Services Unwillingness to Provide assistance with my current hardship. I have asked for a modified payment arrangement with no response after previos phone calls. I have been facing financial hardship recently due to income reduction, which has made it difficult for me to keep up with my credit card payments. 

In light of my situation, I took the initiative to contact them in the hope of reaching a reasonable payment arrangement with a reduced interest rate. The current interest rate my lender is charging me is obscene! I am willing to work with them for a reasonable payment arrangement to clear my outstanding balance. However, I regret to inform you that despite my efforts, I have not received any viable solutions from my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-08-23 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my consumer report and noticed several non mailable addresses and other incorrect personal information. To ensure I receive all mail from the XXXX XXXX XXXX, heres my corrected address XXXX XXXX XXXX XXXX, GA XXXX as all others are not reportable as per the FCRA, since they are inaccurate. I do not desire a phone number be listed My name should also read : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is : XXXX My employer is : XXXX XXXX XXXX XXXX Social Security no. : XXXX Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

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 2023-08-23 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: NJ

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My wife received a phone call saying they have been trying to deliver medicine to me and the package was denied. They left a call back number which was different than the local number they used to contact her. They also left a case #. I called the number and gave them the case number. The lady introduced herself as someone from XXXX XXXX and XXXX and XXXX office. They had the last 4 of my SSN and bday. The lady stated something about an HSBC or XXXX XXXX ( she didn't seem to know which ) credit card from 2007 that was never paid with a sum of over {$3000.00}. I told her I do not have records that far back and can not remember this account and I do not think it was ever on my credit report as negative. She stated that if I did not pay it I would be taken to court and sued and have my wages garnished. She was somehow reading from my current credit report and see I had 2 XXXX  XXXX credit cards currently which seemed off to me. I got off the phone and did a quick XXXX search and several other people are reporting the same type of scam from this same company XXXX info is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Number they had me call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect contact information, name and address. 

Accounts that Im unaware of

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I received a card I never applied for from Wells Fargo. When I called them to report the fraudulent activity, they said that their helpdesk was closed and wouldnt be open until tomorrow, and did nothing to help 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 explanation
Consumer complaint received 2023-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is reporting inaccurate information on my Consumer Credit Report.

By Definition the IRS Clearly says a Cancelled debt or charge off/written off debt is Income. The reporting of this account as a debt is in accurate. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain Credit for personal and house purposes. PLEASE delete this inaccurate account within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 FOLLOWING CREDITOR IS BEING REPORTED BY EQUIFAX ILLEGALLY AGAINST MY RIGHTS AND FCRA. 

CREDITOR : XXXX - ACCOUNT DOES NOT BELONG TO ME. 
ALL CARD DETAILS ARE FALSE. BY LOOKING AT THE TRADELINE, DATES, PAYMENT HISTORY, BALANCE, IT TAKES COMMON-SENSE TO NOTICE THIS IS NOT A VALID ACCOUNT. 

XXXX Account Status Closed Account Type Revolving Account Type Detail Revolving Account Balance {$4900.00} Bureau Code Individual Credit Limit Date Last Active XX/XX/XXXX Date Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX High Credit {$4900.00} Last Reported XX/XX/XXXX Month Term Monthly Payment Past Due {$4900.00} Payment Status Collection/Chargeoff Comments Consumer dispute following resolution. Charged off account. Account closed by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I have been trying to add the Durable POA to my XXXX XXXX XXXX Grandmother 's bank accounts at Wells Fargo since XX/XX/XXXX to help her access her accounts and keep up with balances, charges, deposits and to help her get past statements for the 5 year lookback with XXXX she's trying to apply for. Her health is declining and she needs help. Durable POA was done at Wells Fargo in person ( my Grandmother, my husband and I-the DPOA 's , and 2 witnesses at my Grandmother 's local bank branch. I live in Oklahoma. She lives in Florida and is currently in a XXXX home. This was written up in XX/XX/XXXX. Wells Fargo 1st said that their notary missed checking a box for known or in person however she wrote underneath presented FL identification proving we were there. The bank notarized the XXXX, designation of XXXX XXXX & living will, and actual Will documents that day. We signed in at the bank for notary. Bank is saying 2 documents are fine and show we were there but 3rd one done on same day at same time does not. They got an affidavit from the notary showing I was present and also an affidavit showing my Grandmother was present for the signing. Now they want me to go in person to bank in FL to add it knowing that I can't. I need to get the last 5 years of statements for my Grandmother for Medicaid application. She has started bouncing checks. She needs help. A medicaid advocate went to the XXXX home and tried to help my Grandmother call Wells Fargo to access accounts today. She had trouble following the conversation and verifying data to get access to her own account. When the advocate tried to help her Wells Fargo told the advocate she can not help her. My grandmother 's online access is also gone. She has no real idea what is going on with her accounts. And to top it off upon getting a few bits of information she realized that her account balance is much lower than it should be. Her caretaker was joint on that account and has now disappeared isn't answering calls etc. Trying to figure out how to help my Grandma as POA but Wells Fargo keeps blocking everything I do to try to help her.

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 2023-08-23 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit 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

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 2023-08-23 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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