vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 

1. BARCLAYS BANK DELAWARE XXXX Opened XXXX. XXXX, XXXX Balance {$2600.00} ; 2. BARCLAYS BANK DELAWARE XXXX Opened XX/XX/2015 Balance {$1500.00} ;

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, & XXXX 2021, I APPLIED for a Mortgage loan, Equifax Mortgage Services, LLC Ran this Tri-merge Report for XXXX XXXX XXXX for my XXXX Mortgage Demands with various Lenders over the past 4 1/2 years only to be Denied for being a XXXX Mortgage loan applicant. On XX/XX/2021 I contacted Equifax Mortgage Services, LLC and Requested for a Copy of my Required Tri-Merge Report under the FCRA. Dear Consumer Financial Protection Bureau Im Demanding the Immediate [ RELEASE ] of my Tri-Merge so I can prosecute and indict certain particular individuals within Equifaxs XXXX XXXX machine fore which Im suing Equifax for {>= $1,000,000} in Federal Court and their sister company, Equifax Mortgage Services, LLC. Director XXXX would immediately Forward me my Equifax Mortgage Services, LLC TRI-merge Report, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TX

Complaint narrative:
Equifax is reporting the following 5 fraudulent accounts that are result of identity theft : 1. XXXX XXXX ( Opened XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$1600.00} ), XXXX XXXX XXXXXXXX XXXX Opened XXXX, Balance {$900.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX, Balance {$2300.00} ). To this day Equifax have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
It has come to my attention the Retail Installment Agreement that I was given from XXXX  XXXX have violated me a few ways on XXXX XXXX. I have been reading the Truth and Lending Act and it states the finance charges which is sum of all charges which is the {$52000.00} I was giving the impression that I had to pay a down payment of {$6000.00} in order to drive off the lot from the saleswoman XXXX XXXX, which states in 15 usc1605 that a I'm not supposed to provide cash and credit in the same transaction. Per my contract as the debtor I'm now asserting my rights. 16CFR 433.2 I was given a false deceptive from that I wasn't able to rescind my contract when in fact its states ANY HOLDER OF THIS CONSUMER CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I was not given proper disclosures as to all insurance options available at the time of purchase. As per 15 USC 1632 ( a ) I'm aware that a finance charge shall be disclosed more conspicuously than other terms data or information provided in connection with a transaction, except information relating to the identity of the creditor should not vary from the actual finance charge by more than {$100.00}. I wasn't given my instrument when I left the auto dealer. My personal information was sold to Flagship Acceptance now my privacy has been exposed to financial institution that is sending statements to me asking for money, the law says I did consumer credit transaction with XXXX XXXXXXXX pursuant 16CFR 433.1 and I didnt purchase money loan because my account number/ credit card was given and I down payment {$6000.00}. This account is paid and in full. i want to exercise my right to a rescission. I want to revoke my credit transaction and revoke the security interest and the revoke the dealership. I wrote Flagship and they told me to go back to XXXX XXXX. I want to revoke the security interest, dealership, the transaction with the finance company as per 12 CFR 226.23

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Several months ago my account was frozen from withdraws by depositing my stimulus check from the IRS. Capital One claims it was a check already cashed or deposited. The check WAS NOT cashed or deposited at another bank. An attempt was made to sign the check over but it was not cashed or deposited until I decided to use my capital one account. Capital One has no evidence, other than assumptions from scratched out writing, that the check was cashed or deposited at another bank. My account was allegedly closed and the funds cleared their bank but were not returned to me. This is what I was told by customer service multiple times that the funds cleared but the account was still closed and I would not receive my money. The account has been open in limbo by capital one still accruing interest in some attempt to get me to cash the check at another bank to make their story true. That WILL NOT happen, the check was deposited with capital one, cleared with capital one, I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, & XXXX 2021, I APPLIED for a Mortgage loan, XXXX XXXX XXXXXXXX, XXXX Ran this Tri-merge Report for XXXX XXXX XXXX for my XXXX Mortgage Demands with various Lenders over the past 4 1/2 years only to be Denied for being a XXXX Mortgage loan applicant. On XX/XX/2021 I contacted XXXX XXXX XXXXXXXX, XXXX and Requested for a Copy of my Required Tri-Merge Report under the FCRA. Dear Consumer Financial Protection Bureau Im Demanding the Immediate [ RELEASE ] of my Tri-Merge so I can prosecute and indict certain particular individuals within XXXX XXXX XXXX machine fore which Im suing XXXX for {>= $1,000,000} in Federal Court and their sister company, XXXX XXXX XXXXXXXX, XXXX. Director XXXX would immediately Forward me my XXXX XXXX XXXXXXXX, XXXX TRI-merge Report, Thanks!

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 2021-11-17 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:
Experian is reporting the following 5 fraudulent accounts that are result of identity theft : XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$10000.00} )XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1600.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$900.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance : {$14000.00} ). To this day Experian have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter from a supposed law firm called Selip & Stylianou stating that they have a judgement against me for XXXX Plus, which they won in court for XXXXXXXX XXXX. ( I owe no one ). With that being said. I immediately call them because I never heard of nor have I had any communication with this company. I was then sent to their website where they claimed all communication between them and me were listed and documented. Upon opening these, and reading it I realized that they were being fraudulent. 1 : The address they had was an old address of mine from 12 years ago. Made me questioned if this is a legit debt, theyd have my current address on any legal forms. 2 : the letters stated that I was served in person by someone named XXXX XXXX license number XXXX. On XX/XX/XXXX at XXXX at this old address. The letter was a sworn affidavits by this server who claim to serve me, myself in person, and that XXXX XXXX saw me and handed said documents to me. 
BUT, Thats impossible because I do not live there and have not lived there since XXXX. 3 : then there was the description of me. In this letter sworn by this person, I was approximately tall then short XXXX to XXXX ( youre either or, you can not be both. Nor can a person physically see you but gaged your height so drastically far apart. Does not make sense ), my age was unsure of and I supposedly have arm tattoos. Which I do not. I have no tattoos anywhere on my body. None! So, it is evidential that this company, if licensed, shameless practices fraud in order to get unsuspecting consumers to give them money. They lied about serving me, and then used fraudulent documents to obtain this judgement. This can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
According to Acima Credit in my last complaint I submitted the cfpb Acima Credit stated that laws under 15 USC 1692 does not apply to them but according to federal regulations the only sellers exempt are Contracts before XX/XX/1977 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

and they are indeed in violation of the laws I stated in previous complaint in my affidavit also they are still reporting after I sent in a cease and desist through all mediums including consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to work with Experian for several months. I have requested these two account to be remove or corrected. I have never been late on child support. Additionally these two account have no balance so how can I be late if the accounts have no balances. the two accounts in questions are OFFICE OF THE ATTY GEN {$0.00} Acct # XXXX and OFFICE OF THE ATTY GEN {$0.00} Account # XXXX Experian has violated my right by misreporting my account as late when they are not. This is a violation of my right under the FCRA law. Please remove immediately.

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 2021-11-17 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: KY

Complaint narrative:
On XXXX and XXXX I sent a certified letter to XXXX advising them they have US Dept of Education listed 5 separate times on my credit report and they all have the same account number except for one of them. This is really affecting my credit. It is my understanding if an account is negative, it should only be listed one time, not 4 times. After sending them 2 separate letters, they still have not fixed the issue. I have attached the letters that I have sent them. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: KY

Complaint narrative:
On XXXX and XXXX I sent a certified letter to Experian advising them they have US Dept of Education listed 5 separate times on my credit report and they all have the same account number except for one of them. This is really affecting my credit. It is my understanding if an account is negative, it should only be listed one time, not 4 times. After sending them 2 separate letters, they still have not fixed the issue. I have attached the letters that I have sent them. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
On XX/XX/2021, I logged into my checking account to XX/XX/XXXX cash to my boyfriend ; to my surprise my account showed I was negative {$130.00}. Upon completion of my account review I seen were Wells Fargo Bank ( my banking institution ) took out my account without any prior knowledge not one but two withdrawals the first in the amount of {$690.00} and then a second withdrawal in the amount of {$310.00} a total amount of {$1000.00}, documenting the account negative stimulus credit reversal. Now Ive never contacted Wells Fargo Bank asking or requesting for any type of credit to be applied to my account. Any and every fee charged to my account I have paid never not once have I asked for any such credit. I have never been made aware Wells Fargo was making credits to my account nor have I ever given permission for them to do so without my knowledge is wrong. Furthermore, for them to not only go into my account and take all my money to leave my account negative with out any notification is ridiculous. Ive never been so angry, frustrated, and violated in my life. I entrusted this banking institution with my money for them to not give me option of what I would like to have done is ludicrous. When I contacted the back to inquire what happen and to request my money be returned, I was greeted by the most rudest agents, who told me I requested the credit to my account and they took the money back, I quickly responded requesting proof, knowing they would not be able to provide that proof, I was told corespondents was mailed to my home, and I can show Ive never received that correspondence, prior to the money being removed from my account.

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 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2020 there was a direct deposit funds transfered to a checking/savings account that was not mine in the amount of {$3000.00} bOFa sent me a new card but never refunded my money and i guess they denied my claim, also again on XX/XX/2020 another direct deposit funds transfer to another or same checking/savings account in which bOFA said they were removing that unknown linked account this time the amount was for {$160.00} and again on XX/XX/2020 in the amount of {$400.00} i filed claims for each of these transactions and bofa has said nothing in reguards and they have not refunded or giving me any updates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation