vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I had a checking account with Wells Fargo in XXXX, Texas for about 10 years. I was trying to make some changes in XXXX due to my mom passing. I took my mom off of being the beneficiary and added my XXXX brothers. My nephew/son was added when I opened the account. I did not know he had had a credit card with Well Fargo. I went to take out XXXX dollars on XX/XX/XXXX XXXX. I notice that over XXXX had been taken out. I told the cashier and she could not explain and I called the number on the paper she gave me. I was so scared that I thought I had been scrammed so I did not want to give any information over the phone. I was able to talk to the branch manager who was very customer friendly, helpful, and professional. He called I guess the main office and found out that my nephew/son had owed them. My son said made arrangements to make payments which he was trying to do on the card. I was not notified at any time and he said he wasn't notified either even though he was trying to make payments. I was going to take him off in XXXX but I was told I could not without his approval. It does not seem right to me to for the Well Fargo to do this without any kind of notification to me. 
When I opened the account, nothing was mentioned that this could be done. I would have been willing to help make payments if I had been notified but, I was not told what was happening. In hard times like these, it is devasting and to me it seems that Well Fargo don't care. Thank you so very much for allowing me to submit this complaint/concerned. 
If this is a rule, maybe it could be amended to notify all involved before doing such drastic and devastating things like this. 

Sincerely yours,

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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was selling a couch on XXXX XXXX. The scammer sent me messages stating that because of my Zelle account limitation, he had to send me extra {$400.00} dollars from his business account. I received a " Zelle '' email stating that I need to refund the sender that {$400.00} dollars before I can receive any payment. The scammer sent me snapshots of pictures of bank transactions. I sent the money via Zelle. Then I received another email from " Zelle '' stating that I need to send more money. I realized this is a scam. I hope the company takes action against the scammers and change their policies for not protecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Company is portfolio recovery from Pennsylvania, calls at least 5 to 6 times a day always from a different number. Ive answered numerous times only to be hung up on, has called me everyday for the past month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a rebuttal to XXXX  response to : Complaint # XXXX : I appreciate the extensions that XXXX gave XXXX in the past because XXXX was a very trying time for all of us. 

But XXXX proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/2022, XXXX received a payment of {$1000.00}, which paid the XX/XX/2022 payment that was over 30 days past due. If you look at the attachment for XXXX XXXX XXXX, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/2022, was not over 30 days past due. 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, XXXX was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because XXXX said they were reporting XXXX payment more than 30 days past due, but the credit report ( XXXX ) is showing XXXX on time, and flagged XXXX XXXX  days late. Ive attached a screen-print from XXXX showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported XXXX XXXX XXXX, I would like to request that XXXX make an exception this XXXX time and remove the XXXX XXXX  payment altogether. 

Thank You. 

Sincerely, 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a rebuttal to XXXX response to : Complaint # XXXX : I appreciate the extensions that XXXX gave me in the past because XXXX was a very trying time for all of us. 

But XXXX proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/2022, XXXX received a payment of {$1000.00}, which paid the XX/XX/2022 payment that was over XXXX XXXX XXXX XXXX. If you look at the attachment for XXXX XXXX XXXX, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/2022, was not over XXXX XXXX XXXX XXXX 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, XXXX was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because XXXX said they were reporting XXXX payment more than 30 days past due, but the credit report ( Experian ) is showing XXXX on time, and flagged XXXX XXXX days late. Ive attached a screen-print from Experian showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported XXXX XXXX XXXX, I would like to request that XXXX make an exception this one time and remove the XXXX XXXX  payment altogether. 

Thank You. 

Sincerely, 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
There is an old XXXX XXXX credit card debt ( XXXX bank ) of XXXX $ from over 7 years ago that isn't mine. The social security number tied to the debt is not mine. I have proven this before, and had it removed from my credit report ( in XX/XX/2020 ). The debt continues to be bought and change hands every couple of months, where I will receive letters from the new companies. The company that has the debt now has reported it to the credit companies as a new collection and has tanked my credit score almost 100 points. I want this debt gone from all the credit reporting agencies and I want this debt to finally die. The current company is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These bureaus are falsely reporting alleged debt which is a FDCPA Section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # XXXXXXXX  Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After submitting 3 different disputes for the same issues Equifax has failed to properly remove, investigate & correct issues on my personal credit report. On XXXX  I submitted a dispute to have my name corrected, I attached a copy of my current valid California identification along with a copy of my bank statements. I also attached a copy of my federal trade commission affidavit to have accounts & inquiries that were fraudulently there removed from my credit report. How did Equifax confirm these if my name is incorrect to all the accounts listed on file with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation