vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I found out that a large amount of inquiries were reported on my credit report without my written or verbal concern. Here 's the list of all the companies that obtained my credit report or information in an unauthorized manner : 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 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 XXXXXXXX REPORTING INNACURATE INFORMATION- *SETTLEMENT LETTER WAS FILED OR SENT TO ALL THREE CREDIT REPORT AGENCIES*

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 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened accounts, deposited checks, had wire transfers and then was told my accounts were closed, and that they gave my money to somebody else and I opened an investigation with the banks and they were ordered to give me all my cards and account info but didn't and wouldn't switch them back into my names and wouldn't say where to get my money nor why my account was closed as soon as the money made it to the account at Wells Fargo, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX  with the various cards and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, And Phone payments that I didn't authorize since my phones were purposely stolen. XXXX filing police reports and not getting my things back or this issue settled as I don't control the world while all this negative public portrayal of me goes on. 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 2021-10-24 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:
Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to Experian, XXXX, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account 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 2021-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a principal balance of XXXX for my home prior to the 18 month forebarence I was granted from wells fargo ... ..after the 18 months they told me my " only " option was a loan modification. I had no choice but to agree to the terms of their loan modification ( which by the way required zero documents for me to submit for wells to come up with my new monthly paymemt ) with in the loan modification paper work I noticed that my principal balance went from XXXX up to XXXX and the reason it went up was an amount they are calling CAPITALIZED INTEREST ... .my complaint with them is I thought the CARES ACT prohibited them from profiting on missed payments and on top of that they're profiting on the same dollar again because its added to my new principal for the next 30 years

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 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Spoke to guy at capital one this morning, they are trying to collect a debt that was discharged in bankruptcy, also put a dormant achount active status on my credit report when I reported my XXXX balance paid was reported balance increase yesterday on credit report, now they are doing all this because of bankruptcy and being rude to me, got nowhere, they are trying to collect that debt from me discharged in 2017!!! I want them to stop messing with my credit report innaccurate info!!! I did contact attorney in this as well!!! Now they are harassing me for this debt discharged in 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to XXXX, Equifax, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I have a checking and saving account under my name, as well as a family trust account, as a co-trustee, with Charles Schwab. We had a wire come into our Charles Schwab account on XX/XX/2021 from XXXX XXXX. This wire was a refund from an XXXX XXXX account, which was approved by XXXX XXXX. In terms of XXXX XXXX, they held onto the overpayment since XX/XX/2021 after closing the account. All payments cleared. After 60 days holding our funds, they approved the wire and sent it over. After the funds were sent over, as trust funds, they were moved from the checking to the brokerage account on XX/XX/2021. On or around XX/XX/2021, XXXX XXXX attempted to recall the wire transfer. It was denied by Charles Schwab since the account did not have any funds, as the wire was moved to the trust account, which I am a co-trustee. 

On Wednesday, XX/XX/2021, Charles Schwab prevented access to the account online for " our security. '' Charles Schwab said the accounts could be used using a debit card ; however, on XX/XX/2021, the debit cards stopped working and the account is still unavailable to log into online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There seems to be serious error and or illegal reporting that TransUnion is being apart of for the 5 accounts listed under Dept of Ed/XXXX . TransUnion has failed to reply to orginal Certified letter dated XX/XX/21 regarding inaccuracy in their reporting of the 5 previous mentioned accounts that have been paid in full and closed. I have also sent a follow up Certified letter dated XX/XX/XXXX Not only have they violated federal law by not responding in the specified time, but they also failed to provide me with any viable evidence showing the account is being reported accurately. Please understand I am making a final goodwill attempt to have this matter cleared up. The said accounts need to be deleted immediately from my file. My next complaint will filed with the Attorney General 's office

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 2021-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reason : I'm disputing the company XXXX  XXXX XXXX, Account XXXX XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( Experian, XXXX, and XXXX ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. XXXX is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But Experian is only showing 30 days late for those months. I also contacted Experian by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.

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 2021-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Reason : I'm disputing the company XXXX  XXXX XXXX, Account Number XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( XXXX, XXXX, and Equifax ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. Equifax is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But XXXX is only showing 30 days late for those months. I also contacted XXXX by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I had a credit card with Barclay 's. It was closed around XX/XX/XXXX, Mastercard ending XXXX. On or around XX/XX/XXXX XXXX XXXX issued a refund for a cancelled flight in the amount of $ {$1000.00}. According to XXXX a check went to the credit card that was used for the trip. ( XXXX ). Finally after five hours on the phone I spoke with the Security Dept of Barclay 's. According to the man I spoke to the case # XXXX has to be investigated because the account was closed because of fraud. Let me explain. 
A magazine, XXXX XXXX, submitted a bill to The credit card in amount of {$15.00}. I filed a protest and the account was closed by me. I have all the letters from Barclays telling me that I was not responsible for the charge. Now Barclay 's refuse to send me the amount refunded by XXXX. They deducted the above {$15.00}. I am XXXX years old and not in the best health. This is causing a lot of stress. I can't fight a big company without your help. f you need I have all the information. Please help me. I don't know how to send documents via the internet only by mail. 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 2021-10-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent Equifax a certified letter dated XX/XX/21 in reponse to their methods of verifing these 5 accounts listed as Dept of Ed/ XXXX XXXX These accounts are seriously being reporting inaccurately. Because of the nature of circumstances and how these accounts are negatively affected my credit I am asking for a non automated investigation. I need Equifax to provide me with a copy any viable evidence bearing my signature showing these accounts being reported accurately. Once i can get this information i can deal with XXXX directly. Equifax as of today has failed to provide any of my mentioned requests. Once again this is a federal law that Equifax is violating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I pulled my 3 credit reports and I sent 3 letters to XXXX, XXXX and Transunion on XX/XX/2021 to verify accounts with original creditors that these accounts are reporting 100 % without errors or delete them. I recieved no response from all 3 credit bureaus. Then on XX/XX/2021 I checked my credit report and I see nothing is reported in dispute, which i have uploaded and I sent followups letters to all 3 credit bureaus ( XXXX, XXXX and Transunion ) that the information must be deleted from my report as soon as possible, since they didn't respond to my 1st letters, which is a violation because they didn't start an investigation and they did not respond to me at all. and i wrote on the letters to remind them " Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 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 fifteen ( 15 ) days of the completion of your re-investigation. '' Then againI pulled out my credit reports and still no disputes and they didn't respond to my 2nd letters so I sent warning letters 40 days after the second letter on XX/XX/2021. In till this day they have not responded to me. I want them accounts deleted now since they chose not to investigate them and since they didn't respond to me at all which is against the law. That is the issue I'm facing and I ran out of patience, So please help me ib this matter Thank You, 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 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled my 3 credit reports and I sent 3 letters to Equifax, XXXX and XXXX on XX/XX/2021 to verify accounts with original creditors that these accounts are reporting 100 % without errors or delete them. I recieved no response from all 3 credit bureaus. Then on XX/XX/2021 I checked my credit report and I see nothing is reported in dispute, which i have uploaded and I sent followups letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) that the information must be deleted from my report as soon as possible, since they didn't respond to my 1st letters, which is a violation because they didn't start an investigation and they did not respond to me at all. and i wrote on the letters to remind them " Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 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 fifteen ( 15 ) days of the completion of your re-investigation. '' Then againI pulled out my credit reports and still no disputes and they didn't respond to my 2nd letters so I sent warning letters 40 days after the second letter on XX/XX/2021. In till this day they have not responded to me. I want them accounts deleted now since they chose not to investigate them and since they didn't respond to me at all which is against the law. That is the issue I'm facing and I ran out of patience, So please help me ib this matter Thank You, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account DPT EDXXXX Account Number : XXXX 2. Validate Account XXXX XXXX Account Number : XXXX 3. You are in violation of 15 USC 1692g medical bill or personal information should not be on my report Account Number : XXXX 4. Identity Theft XXXX  XXXX  Account Number : XXXX 5. Validate Account DPT ED/XXXX Account Number : XXXX 6. Validate Account XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation