vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX I applied for a Capital One XXXX XXXX and got approved. At this same time I XXXX XXXX XXXX XXXX XXXX XXXX so I was not even looking for the card in the mail. I never received the actual card. Since I never received the card it was not activated. I did however received a bill from Capital one. I called to try to resolve the issue and I was sent a email asking for my ID, which I uploaded. When I called to follow up, I was told that the ID was not legible. I resent it a total of XXXX times The last time I resent it was XX/XX/XXXX and XXXX I called and was told that a XXXX would contact me in XXXXXXXX XXXX, I was also told that the balance on the card was over {$2000.00}. when the card was never activated and I was told on XX/XX/XXXX that the card was restricted. 

Capital one are crooks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The following companies did not reinvestigate the alleged accounts. XXXX  XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXXXXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? XXXX has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 2. NCA Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Per the FCRA 611 ( A ) In general. If, after any 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 be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
- Our tax payments were stolen from the post office on XX/XX/2022 ( we filed a case with the XXXX ) - On XX/XX/2022 we noticed a check clearly made out to the United States Treasury on the front for {$6800.00} was cashed immediately with a signature on the back ( not the government computer generated numbers- we confirmed that the US Treasury did not receive our funds )- We went to XXXX immediately on XX/XX/2022 and as instructed filled out a XXXX page affidavit which they faxed to customer service from that branch - We also closed the account because of the fraud and opened a new account at the same time in which the funds were immediately transferred - On XX/XX/2022 we received a mailed letter from XXXX stating that a claim has been initiated and they were in contact with the bank that cashed the check Wells Fargo. XXXX Case # XXXX XXXX - We have called XXXX multiple times and gone to the XXXX branch twice between XX/XX/2022 and XX/XX/2022 about the status of the claim and just get a call center saying they are 'waiting to hear from Wells Fargo ' XXXX 

- On XX/XX/2022 we received a letter from XXXX telling us that Wells Fargo is responsible for repayment. If after 90 days XXXX does not hear from Wells Fargo, XXXX will close our claim and our funds will not be recovered. - - It should be clear to both XXXX and the Wells Fargo that we have been wronged and that one of the two banks is responsible for returning my {$6800.00} as the Payee of United States Treasury is certainly not a handwritten signature. 

- Wells Fargo has not responded to our bank XXXX. How can it be legal for Wells Fargo to just not answer in order for XXXX to just give up and we are out of funds because Wells Fargo made a mistake and is blowing it off.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I MADE A PAYMENT TO XXXXXXXX XXXX, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXXXXXX XXXX  OF THE ERROR. A LATE PAYMENT STILL REMAINS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NJ

Complaint narrative:
This Complaint is being submitted through the CFPB to inform Experian that I am a victim of identity theft and the account I am disputing does not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXXXXXX XXXX & financially... and I would truly not what to pursue a legal remedy... Please delete this ASAP XXXX XXXXXXXX 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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022, my primary checking account was frozen because of suspected fraud. I tried reaching out the the company, who has an advertised and listed XXXX fraud department. I spent over XXXX hours waiting for someone to answer the call in the fraud department. I then called the account services department and asked to speak to a supervisor, and was then told that the fraud department does not have a supervisor. Due to this companies inability to manage a fraud department I am now stranded away from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NJ

Complaint narrative:
This Complaint is being submitted through the CFPB to inform Equifax that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy... Please delete these XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-17 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX and got approved. At this same time I lost a family member to death so I was not even looking for the card in the mail. I never received the actual card. Since I never received the card it was not activated. I did however received a bill from XXXX XXXX. I called to try to resolve the issue and I was sent a email asking for my ID, which I uploaded. When I called to follow up, I was told that the ID was not legible. I resent it a total of 4 times The last time I resent it was XX/XX/XXXX and today I called and was told that a specialist would contact me in 7-10 days, I was also told that the balance on the card was over {$2000.00}. when the card was never activated and I was told on XX/XX/XXXX that the card was restricted. 

XXXX  XXXX are crooks.

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 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
In XXXX of XXXX my husband lost his job due to XXXX. My mortgage went into the COVID forbearance program that was offered. Once it was in forbearance, I was no longer given access to their online system to view my account and thus had to pay via check. My husband and I both started new jobs in XXXX of XXXX, where I took a large pay cut but trusted it would be okay knowing there would be two incomes again. Shortly after he started working there, I found out that he had lied about most of his past and that he had run up debt on my credit cards. We immediately XXXX and I was faced with providing for me and XXXX XXXX children on half the income I used to have. 

When the COVID forbearance came to an end, my mortgage company wouldn't let me modify my loan without my husband 's driver 's license number, which I didn't have because he told me he moved out of the state and refused to give me any information about his location. His name has never been on my loan and I don't know why the mortgage company was insisting they have his information. The only other option they gave me was to modify the loan with a divorce decree. Without his location, I could not serve him with divorce papers in order to provide that information to them. I got very behind in payments because of my income drop, the credit card debt and not being able to proceed with the divorce. 

In XXXX of XXXX, I was able to get a higher paying job in order to provide for my XXXX and I. I did send mortgage payments when I could but the mortgage company did not apply them to my loan at the time they were sent. They cashed the payments yet did not apply them to my loan until a lump sum was deposited in XXXX of XXXX. On XX/XX/XXXX, I received notice of default on the loan and they were requiring me to pay {$25000.00} within 35 days. There was no way I could pay that and have since been trying to figure out how to cure my mortgage. I have been paying the mortgage consistently in the recent months but they started sending my checks back telling me that it's " illegal '' for them to accept my payments. They also have not been forthcoming regarding the foreclosure process and timelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX account, XXXX, amount XXXX. I do not have a contract with this company and I have requested proof of debt. Experian stated that this information was sent to me and it has not because I have not received it. This account needs to be removed off my credit report. Provide validation of debt or proof. I do not have a contract with XXXX XXXX this needs to be removed off my credit reports.

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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation