vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This was a secured credit card that works like a prepaid card using my own available money put on the card which is reflected on my credit report with Wells Fargo Card Service on my XXXX XXXX Credit Report as Loan Type : Secured Credit Card in the amount of {$300.00} ( XXXX XXXX dollars ). 
Could only used what I had put on the subject card with my own money as a secured credit card, not Wells Fargo Funds. 

There is an inaccurate/incorrect charged off {$2600.00} and high balance of {$3000.00}. The credit limit was just {$300.00}. There was no increased in limit and balance over stated. Was brought to their attention. But, neglected and never resolved as per Federal Truth in Billing Disclosures and Credit Reporting act based upon FTC guideline. 

The account was closed with no balance owed to Wells Fargo Bank in XX/XX/2018. 

The Wells Fargo bank and I agreed to terminate the relationship because the bank was involved in alleged collusion and bad faith banking practices that were not in full compliance. No statement was send to show an itemized history and reconciliation of activities as secured credit card by law.

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 2020-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2020-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The balance on my car loan was financed. The balance was about {$5000.00}. I had been making auto payments of {$160.00} to pay off the balance. But in a review of my balance online, the balance is showing over {$8000.00}. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: OH

Complaint narrative:
I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX 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 XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2020-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I was unaware of the debt and did not receive a notice and opportunity to dispute these accounts : FIDELITY PROPERTIES IN XXXX XXXX XXXX XXXX XXXX XXXX In addition, these accounts do not have LAST DATE OF ACTIVITY. Please remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: OH

Complaint narrative:
There is inaccurate information on my credit reports with regard to my personal information : ADDRESSES that I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX   XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, 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 2020-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This was a secured credit card that works like a prepaid card using my own available money put on the card which is reflected on my credit report with XXXX XXXX Card Service on my Trans Union Credit Report as Loan Type : Secured Credit Card in the amount of {$300.00} ( XXXX XXXX  dollars ). 
Could only used what I had put on the subject card with my own money as a secured credit card, not XXXX XXXX Funds. 

There is an inaccurate/incorrect charged off {$2600.00} and high balance of {$3000.00}. The credit limit was just {$300.00}. There was no increased in limit and balance over stated. Was brought to their attention. But, neglected and never resolved as per Federal Truth in Billing Disclosures and Credit Reporting act based upon FTC guideline. 

The account was closed with no balance owed to XXXX XXXX XXXX   in XX/XX/2018. 

The XXXX XXXX XXXX and I agreed to terminate the relationship because the bank was involved in alleged collusion and bad faith banking practices that were not in full compliance. No statement was send to show an itemized history and reconciliation of activities as secured credit card by law.

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 2020-08-16 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: OH

Complaint narrative:
THERE ARE HARD INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZE : XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 2020-08-16 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: OH

Complaint narrative:
THIS IS MY SECOND REQUEST FOR VERIFICATION OF ITEMS ON MY CREDIT REPORT. 
There are still items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged  debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be  a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 2020-08-16 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: GA

Complaint narrative:
I have advised TransUnion on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The following employer does not belong to me XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX   XXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me, I have never paid the XXXX/XXXX ( XXXX ) late, the XXXX ( XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.

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 2020-08-16 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: OH

Complaint narrative:
THIS IS MY SECOND REQUEST FOR VERIFICATION OF ITEMS ON MY CREDIT REPORT. 
There are still items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the years XXXX to XXXX, Bank of America has been charging me for a Safety Deposit Box I have never used when I signed up for it when I was an employee in XXXX. It was free at the time till I XXXX XXXX. I got noticed that I had to pay in XXXX {$63.00} a year. I tried to close out account in XXXX XXXX branch and attempted several times to close it and no one could help me. I attempted to schedule time to meet with locksmith cause that was the procedure to open box first since I lost the key but no one ever contacted me. I have called the branch several times to resolve this and they keep giving me numbers where I can reach no one. I visited the branch and no one was able to help me. 
This has been ongoing for 6 years and I just want to close out this safety deposit box and not get charge {$63.00} every year that is taken automatically out of my account. I have payed {$440.00} for 7 years and have never used this service. Could you please help me get this resolved. I just need to be paid back what they owe me for all these year and close out account. Also I never authorized for this to be taken out automatically from my account. 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 2020-08-16 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: NY

Complaint narrative:
XX/XX/2020 my trans union credit report dropped 3 points for absolutely no reason at all. My credit is impeccable and should be going up not down. I believe the algorithms have bugs in the software. They have it rigged to drop your credit based on credit card usage, but do not take in to account all of my accounts are XXXX out at the end of the billing cycles. My mortgage, and car lease are steadily going down. My credit cards are always XXXX out without owing any outstanding balances. Mistakes like this cost consumers like myself money when it comes to renewing car insurance. This may be deliberate misbehavior to keep consumers like myself paying more money. I have had habitual problems with Trans union over the years for the same issues. When they make these mistakes it takes months to correct.

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 2020-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
I was unaware of this debt and did not have the opportunity to dispute this account. 
Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I paid in full for XXXX XXXX XXXX XXXX. But my XXXX, XXXX and Transunion credit reports showing still as unpaid. 

I am attaching here A PAID IN FULL LETTER FROM XXXX XXXX XXXX XXXX. 

I lost my current job and i received vacate notice to my current apartment, i will be in trouble with my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  kid, unless you react to my complaint ASAP. please take out that collection amount from my credit report based on the PAID IN FULL LETTER ATTACHED HERE. i am getting rental rejections based on my credit report collections.

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 2020-08-16 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: PA

Complaint narrative:
I paid in full for XXXX XXXX XXXX XXXX. But my Experian, XXXX  and XXXX  credit reports showing still as unpaid. 

I am attaching here A PAID IN FULL LETTER FROM XXXX XXXX XXXX XXXX. 

I lost my current job and i received vacate notice to my current apartment, i will be in trouble with my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX kid, unless you react to my complaint ASAP. please take out that collection amount from my credit report based on the PAID IN FULL LETTER ATTACHED HERE. i am getting rental rejections based on my credit report collections.

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 2020-08-16 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 advised Experian on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX   XXXX XXXX XXXX XXXX XXXX. The following employer does not belong to me XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX XXXXXXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.

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