vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or XXXX credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates Transunion report XX/XX/XXXX, XXXX XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX account is only my XXXX credit report. It is not reported on Transunion or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my XXXX credit report and also why its a hard inquiry.

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 2022-08-20 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: GA

Complaint narrative:
I have lived at my current address for over 2 years. I do not live at any other address you currently have in my credit profile. There may be individuals that have the same name as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. And I was told that all of those invalid addresses must be removed. I am concerned that mail could go to the wrong place and jeopardize my identity if it hasnt been jeopardized. Please help me keep my identity protected by updating the address correctly on my credit report. The information below is the only personal information that should be on my 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 non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
i have an account thats not mine and its reporting negative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: GA

Complaint narrative:
To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX Bank Card Services Reporting Balance : {$3500.00} XXXX Bank Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.

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 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been audited by the IRS, and I have requested Wells Fargo for photocopies ( images ) of all my checks that have been deposited into my checking account between XX/XX/XXXX. XXXX and XX/XX/XXXX. I have called their customer service at XXXX three ( 3 ) times, each time I spend one 1h30m ( for the past month month I have spend almost 5 hours on the phone with them ) on the phone with them while they put these checks images together, and each time, they keep sending me bank statements. I can get my bank statements online, but unfortunately, Wells Fargo does not allow to obtain images of checks. We as a consumer only can obtain these up 18 months or we have to call their customer service, witch did several times. I went to my local branch also, and have asked the bank XXXX, XXXX XXXX for his assistance. And until now he has done nothing in regards this matter. Anytime I go to the bank, he says that he is " busy ''. I come to your organization to help me obtain these checks images please. 

Respectfully, 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 2022-08-20 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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and XXXX. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

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 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX is communicating and reporting on my credit reports in attempt to collect a debt on behalf of Capital one, account numberXXXX. After i requested debt validation on XX/XX/2022, on XX/XX/2022 XXXX XXXX sent me a response in the mail with documentation stating they had the right to collect on this account, which is misleading and not true. I looked up on the XXXX that this company is not licensed to collect debt or practice debt collection in Nevada. XXXX XXXX is violating my rights under the FDCPA by misleading me to think they had the legal right to collect on this account and is in noncompliance with Nevada legal statue ; XXXX XXXX ; XXXX required ; exception. 
1.Except as otherwise provided in this section, a person shall not conduct within this State a collection agency or engage within this State in the business of collecting claims for others, or of soliciting the right to collect or receive payment for another of any claim, or advertise, or solicit, either in print, by letter, in person or otherwise, the right to collect or receive payment for another of any claim, or seek to make collection or obtain payment of any claim on behalf of another without having first applied for and obtained a license from the Commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # Acct # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Madison Management Services, LLC
State: OH

Complaint narrative:
I would like to file an official complaint for misuse of escrow funds related to this a land contract that is serviced by Madison Management Services I have attached all relevant documents related to the land contract I entered, schedule of payments, and payment breakdown. 

I became aware of several issues related to this account managed by your company Madison Management, upon the receipt of the attached letter : Escrow Impound Sortage Notification. 

Please Reference the following excerpts from the attached contract for land that was agreed to and purchased by the landowner. This clearly spells out the provision that the Seller shall maintain timely payments for all taxes, insurance, and HOA dues. 

Item 7. Annual Property Taxes, HOA dues, and Insurance Premiums. Until the deed to Buyer is recorded, Seller shall timely pay all real estate taxes, HOA dues, and insurance premiums. After the deed is recorded, the Buyer shall be responsible for all such items. Provided, however, that all such items shall be prorated so that each party pays for its share of the period covered by such items. 

Current real estate taxes due : $ XXXX XXXX Delinquent real estate taxes : $ XXXX Current homeowner association dues : $ XXXX XXXX Delinquent homeowner association dues : $ XXXX Current special assessments : $ XXXX Delinquent special assessments : $ XXXX Item XXXX. Liability Insurance. Liability insurance may be kept in force by Seller for such coverage as Seller deems appropriate, including ( but not limited to ) coverage of {>= $1,000,000} per person and {>= $1,000,000} per incident. The cost of such insurance shall be paid ( as specified above ) by Buyer. 

Earlier in the year, I contacted Madison Management several times regarding a discrepancy in the number of payments and the payment amounts changed from the contract. According to the contract, at the time of purchase, there were 43 payments due at XXXX per payment. I have made all payments on time plus additional funds to be applied to principle. As of the XXXX Payment, there should be a balance of 35 payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: OR

Complaint narrative:
On XX/XX/2022 I was notified by General Revenue Corporation that they are now trying to collect an outstanding balance from XXXX XXXX University from Fall term 2022 in the amount of {$1300.00}. I have double checked with XXXX XXXX and have confirmed that the amount owing is {$1000.00}. I have disputed the additional amount in collection fees in the amount of {$260.00}. I have contacted the both by phone and email about this issue. Today, XX/XX/2022 I got a huge packet of information from them which went over my entire payment history with XXXX which included information that has nothing to do with the amount in question. I would really like them to stop contacting me about this matter because I will take care of the {$1000.00} owing to XXXX but will definitely not be paying any thing else. I have a meeting with XXXX on XXXX regarding this matter. Again I never disputed the amount owing just do not feel I should be resonsible for their collection costs. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax Credit Bureau only deleted one account and not the others as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been a victim of fraud and have taken the necessary steps to report fraud with the credit bureaus. Equifax will not except my vaild documents and I have provided to them for the removal of fraudulent inquiries on my credit file. The FCRA states that the credit bureaus must be fair when resolving a consumer 's issue and Equifax has been everything but fair. On several occasions I have contacted them via mail, phone, fax and have spoken with several supervisors that have stated to me that the inquires have been deleted from my file but these inquiries still remain. The confirmation number is XXXX the supervisor I spoke with was XXXX and he also refused to provide his full name. XXXX was notified that this complaint will be filed. I have also included the documents that were sent to Equifax that supported my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
Several disputed items remain on my credit report as of today XXXX XXXX. 
XXXX. XXXX XXXX XXXX shows a past due amount of {$180.00} and a balance of {$630.00} for XXXX and XXXX respectively. Attached is the car title dated by the state of Florida for XX/XX/XXXX supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. There are four duplicated Department of Education accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX loans were forgiven. Attached please see the documentation from XXXX that states that the loans are forgiven and as such should not appear on my credit report. This information was provided before and the loans were removed, however, they have now reappeared. 
3. In XXXX there are 9 hard pulls on my credit from 3 mortgage companies. Five from XXXX XXXX XXXX XXXX Two from XXXX Mortgage and two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed. 
4. XXXX XXXX XXXX card shows that it was opened in XX/XX/XXXX however that is inaccurate. The card was opened in XXXX and first used on XXXX. It is now over 7 years old and should be removed 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 2022-08-20 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: MI

Complaint narrative:
XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or Experian credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates XXXX report XX/XX/XXXX, Experian XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX  account is only my Experian credit report. It is not reported on XXXX or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my Experian credit report and also why its a hard inquiry.

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 2022-08-20 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: MO

Complaint narrative:
I sent disputing letters in XXXX of 2021 to Experian and XXXX to remove inaccuracies of my personal information and collections they refused to remove it.

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 2022-08-20 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: CA

Complaint narrative:
not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
A plethora of fraudulent transactions occurring through my debit card with Ally Bank, which I have in my possession. A total of 3 fraudulent transactions, totaling about {$340.00}, all within one day being XX/XX/2022. I can only assume poor security on the bank 's part, seeing that this has effected most of their customers but haven't seen complaints with other banks. Called in to report the fraudulent activity, waited 2 hours on hold, was able to speak to someone who cancelled the current debit card and issued a new one. However, there was no recommended action to either wait to activate the card until the issue is resolved or permanently lock the card until the issue has been fixed. Just " here ya go, a new card, good luck with the fraudulent activity '' type of response. I filed disputes on the fraudulent charges with the bank and am waiting to see what happens.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a investigation letter to XXXX, Equifax and XXXX to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and XXXX account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation

Company response to consumer: Closed with explanation