vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
I received an alert on my credit report and noticed that there was a charge for collections for a service. I had no knowledge of. I reached out to verify my identity and they have not removed the charge. They just said the charge was valid I do not live at that location nor that city and I submitted documentation showing my identification and where Ive lived since XXXX and they still have not removed that collections from my credit report or my name. I have disputed with all 3 credit agencies and nothing has been done to remove it. 

XXXX - XXXX XXXX - XXXX Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXXXX/XX/XXXXOriginal creditor XX/XX/XXXX Opened XX/XX/XXXX ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
The payment for XX/XX/2020 was sent in through the mail. The payment was sent to Freedom Mortgage in the amount of {$1500.00}. I sent it out on XX/XX/2020 and Freedom Mortgage received it before the due date. They admitted that it took 3 days for them to process the payment. They put a late payment on my credit. I have verification following through the mail. 
It's not right that I have a late payment when My payment was not late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023, I signed up for Business Checking Account with US bank under the promotion code that entitled me to ( 1 ) {$500.00} if I maintained a certain balance in my account and ( 2 ) {$600.00} if I signed up for XXXX XXXX XXXX and processed X amount of transactions. 

I fulfilled both criteria ( and customer service reps confirmed it ). However US Bank has not credited me the {$600.00} associated with ( 2 ). 

I have contacted US Bank multiple times who've opened internal tickets, but this has not resulted in any action.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I signed up for a XXXX  rewards program in which the company XXXX and Wells Fargo would mail rent checks to my land lord. The land lord claims they did not receive the checks and Wells Fargo and XXXX could not determine if they weee cashed, but I was charged via a XXXX Credit Card from Wells Fargo. I only learned this when I received a delinquent account notice via email.

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 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: AL

Complaint narrative:
On XX/XX/23, my vehicle was repossessed during pre-dawn hours due to being 1.5 months behind on payments. I called the company that morning to find out what I needed to do to get the vehicle back and established a promise to pay by Saturday, XX/XX/23. However I was able to make the payment early and bring my account to current on XX/XX/23, during a call made at XXXX XXXX. Please note the times listed since they serve as proof that I have done as I was told. I call the number I was given by Westlake Financial, a company called XXXX XXXX XXXX ( ARS ) who was responsible for the repossession. I call this company and they say that they have not received a release from Westlake Financial. I call Westlake back, and after MULTIPLE calls back and forth between Westlake and XXXX, they say that I must wait 24-48 hours for it to go through. So I waited, and now XX/XX/23 XXXX XXXX, XXXX has STILL NOT received a release authorization from Westlake. XXXX tells me to call Westlake, its now been over 48 hours and they still havent released it and it shouldnt take this long. I call Westlake AGAIN, and they tell me that no, a release form was just authorized today and it wouldnt be until MONDAY that I could try again. It honestly feels like they are scamming me and NO ONE CAN TELL ME WHERE MY VEHICLE IS EVEN THOUGH MY ACCOUNT WAS BROUGHT TO CURRENT! And now all they keep doing is telling me " a release has been sent to XXXX XXXX XXXX '' and every time I do, XXXX tells me they NEVER received a release authorization. Westlake and XXXX have me going around in circles for a vehicle I have already paid them for. I have already lost days of work and could possibly lose more, which in turn, believe me, Westlake will be the last bill I'll be catching up on since they'll just take it from me no matter what I do. I mean honestly, how many other companies will repo for being late 1.5 months? I genuinely don't know, since I've never had a vehicle repossessed before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NV

Complaint narrative:
My ex-husband has been contacted by a debt collector who identified themselves as IQ Data. They said we owe {$7000.00} to our previous rental/apartments. When asked if a validation letter was ever sent, the collector advised it was sent to our old apartment which is why it wasn't received. I put in a mail forwarding request with USPS and we never received a validation letter. The collector advised my ex-husband to take out a loan and payment must be made in full in two days otherwise they will assume it is a refusal to pay and send a judgement to seize property or garnish wages. They have not given us any time to dispute the debt nor have we been informed how to dispute the debt. I am writing this on XX/XX/23 at XXXX and the collector advised that we have until this same day at XXXX to make payment before they go through with refusal to pay. The collector 's name is XXXX XXXX and he has also contacted my ex-husband on XX/XX/23 and XX/XX/23 demanding payment with deadlines attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent in an ftc report as well as proof that i was incarcerated to transunion and ask that they immediately block this information under FCRA as it states if i send in this information that it would be blocked. I also told them that if it is to stay on my file, that I needed to know the method of verification as I do not consent to the XXXX XXXX  since the company that has stolen my identity knows how to get through it. 

Transunion then responded that it was verified and ignored my request yet again for the block and the method of verification for these XXXX accounts XXXX XXXX Bank # XXXX, Balance {$500.00}, Date Opened : XX/XX/XXXX Patienty FI # XXXX, Balance {$430.00}, Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had my credit card with XXXX ending XXXX set up to pay my rent through them, on XXXX they try to collect the rent on my checking account, I was not ready, so they sent me notifications for me to send the money to them for them to pay the XXXX rent XXXX. 

I did send the money, but I was told over the phone, that although I sent the money to them thru my checking account directly to XXXX XXXX, the money was applied towards my balance due shown in that moment, so I had to pay my rent directly to the landlord. 

On XXXX XX/XX/XXXXXXXX  XXXX 's statement show the payment I did for {$3300.00} to them, that was applied to my regular purchases, so total new balance to pay on XX/XX/XXXXXXXX  was {$1100.00}. I had to dispute some charges I did not made, so they replace the card, they send me a new one ending XXXX. 
Then on XX/XX/XXXX statement, card ending XXXX, they comeback and charge me for the rent {$3300.00} ( or purchases ) that they never pay for me!! plus XX/XX/XXXX statement balance of {$1100.00} total of {$4500.00}. 

I contact them on XXXX when I realized about the mistake, XXXX  sent me to WellsFargo Enterprise Complaints Management Office, and since then I have to : *Send them copies of checking account statements for them to see all the transactions made in XX/XX/XXXX. 
* XXXX XX/XX/XXXX card ending XXXX and XX/XX/XXXX card ending XXXX statements. 
*My landlord statement so they could see that I WAS THE ONE PAYING MY XX/XX/XXXX PAYMENT not them. 
*TONS of calls and some emails to the Executive office case specialist and, after 7 months ( XX/XX/XXXX was my first contact with them ), they have been sending me letters, telling me either they close the case with an illogical explanation or that they need more time, I open that case XXXX XXXX more times because of that illogical explanations!! Is too much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Several UN-authorized inquiries and accounts appeared on my credit report without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Several UN-authorized inquiries and accounts appeared on my credit report without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Purchased a top from XXXX XXXX shop in XXXX. Cashier repeatedly pressured me to apply for store credit card to lower the price of the top by {$20.00}. After saying no thank you 4 different times to no avail, finally agreed because customers behind me were getting impatient with the line. I dont use store credit cards and when the bill arrived, I must have thought it was junk mail and tossed it out. The actual credit card arrived after that and then I remembered. When I received the second bill, I was charged a late fee that was more than the {$20.00} discount given initially, but paid it $ ( XXXX ) I added a note to please cancel my account and described the pressure given at the store. My check for {$36.00} was cashed by the company. Now have received another bill for an additional {$75.00} in late fees. I called the company and asked that these late fees be adjusted/ forgiven and was told no. I asked to speak to a supervisor and spoke with an XXXX who was very polite but also refused. So I will be paying a total of {$100.00} for what was supposed to be a {$17.00} blouse. I am XXXX XXXX XXXX, and this is very distressing for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have asked the credit bureaus to do a Theral review of my credit records, they did. but when I review myself, I found a lot of inconsistencies regarding fraudulent activities on my credit report. ( Please see the attached for all inconsistencies found and fraud activities, accounts listed to my credit report that arrent mine that I have no knowledge of. ) according to the fair credit reporting act convergent accounts that are listed to my report are a violates my rights 15. usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish account without my written instructions.

I these accounts are to be removed deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I have asked the credit bureaus to do a Theral review of my credit records, they did. but when I review myself, I found a lot of inconsistencies regarding fraudulent activities on my credit report. ( Please see the attached for all inconsistencies found and fraud activities, accounts listed to my credit report that arrent mine that I have no knowledge of. ) according to the fair credit reporting act convergent accounts that are listed to my report are a violates my rights 15. usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish account without my written instructions.

I these accounts are to be removed deleted from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 2023-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio recovery associate is suing me for a debt of XXXX I never had a credit limit over XXXX $ on this account an was paid I don't understand why I am being sued over this. I had less then 30 days from when I was served to a court day.

Company response to consumer: Closed with explanation