vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems is reporting to the credit bureaus inaccurate information from a debt they purchased from my original creditor. They are showing XXXX different amounts on my credit, XXXX for XXXX and the other for XXXX. I have reached out via mail requesting proof of debt owed without a response in return. They also have an address on file where I never lived in the state of Georgia. They have illegally reaged the debt stating that it was opened in XX/XX/XXXX when the account went into collections in summer of XXXX with the original creditor. They also have my loan term reported as 1 month which is incorrect and are reporting late payments to my credit as if the account is open and even that isnt consistent. They skip over a few months instead of consistently reporting, and they shouldnt be reporting a closed account as open. I have disputed many times with XXXX and have been unsuccessful with no valid proof of the debt owed obtained from this debt buyer that can even legally collect on my debt. Also this debt is from the state of TX and according to TX law statue of limitations on a debt is 4 years in TX. This debt has reached its limitation per where it originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 instruction.

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 2023-01-30 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: CA

Complaint narrative:
Dear TransUnion, I am writing to dispute certain information that appears on my credit report. The disputed items are : XXXX - XXXX XXXX XXXX XXXX XXXX I have disputed these items with you and you have notified me on your website that you had started your investigation on XX/XX/2022 and I have yet to receive a response from you. It has been over 30 days since the start of your investigation. According to the Fair Credit Reporting Act ( FCRA Section 611 ( a ) ( 1 ) ( A ) ), credit bureaus are required to investigate disputes within 30 days of receiving them. As you have failed to respond within that time frame, you are required to delete the disputed information from my credit report.

I request that you delete these items from my credit report immediately, and send me a copy of my updated credit report. Please also notify any creditor or information provider that these items have been deleted from my credit report. If you have any questions or need any additional information from me, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Med-1 Solutions, LLC
State: KY

Complaint narrative:
Med-1 Solutions LLC has mailed my personal information to XXXXXXXX XXXX XXXXXXXX. A company I have NEVER had any affiliation with. ( See last page of attachment ) This is the second time they've done this. The first time, I contacted them and told them I've never had any affiliation with XXXXXXXX XXXX XXXXXXXX. I've never worked there, ever. I do live on the same street as their business and believe this to be a violation of the Fair Debt Collection Practices Act. Med-1 Solutions, if working for XXXX would have my address, phone number, etc and not need to use a third party in which to contact me. XXXXXXXX XXXX XXXXXXXX opened this mail and notified me of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Had both a checking/savings and vehicle loan with Wells Fargo where they charged inflated costs to maintain these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

In accordance with the Fair Credit Reporting Act 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.

In accordance with the Fair Credit Reporting Act 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.

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 2023-01-30 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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Letter from Complete Payment Recovery Services states my company XXXXXXXX XXXX owes money for a check cashing service provided by XXXX, whereby they allege my payroll check was dishonored. The check has cleared my bank and was paid.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: TN

Complaint narrative:
On XX/XX/XXXX, an overdraft fee was posted to my account. On XXXX XXXX, I have a balance of {$5200.00}, and my credit card companies pulled {$2000.00} out on the XX/XX/XXXX, however, due to Cadence bank 's technical issues, these charges were not processed or validated until later days, but were posted without showing up on the online banking app. The balance wasn't reflected correctly. The bank itself also has an alert message : Please be aware that some transaction data from XXXX may be unavailable to view in your online account. We are working to resolve the issue as quickly as possible. '' After talking a supervisor, they failed to honor the issues caused by their technical problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent this company a dispute letter on XX/XX/2022, but I haven't got any news about what's going on with its status. I have been informed that FCRA is requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX and the Office of the Atty General. I'm talking to people who have the same experience on social media so please do not delay things.

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 2023-01-30 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: PA

Complaint narrative:
My name is XXXX XXXX. I have several fraudulent inquiries on my consumer report. I have reported identity theft to the FTC.

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC
State: NJ

Complaint narrative:
Hello, I have been in the market to purchase a investment property. With my credit being pulled by my lender I have been getting bombarded with calls from other lenders. One lender in particular XXXX XXXX I have told the representatives 5 times in counting to put me on their DNC list, but I continue to receive calls. 

The two phone numbers that are calls are XXXX XXXX I have received XXXX calls today XXXX and have been getting calls since XXXX At XXXX pm XXXX I spoke to a person by the name of XXXX XXXX He was very rude and when I told him I requested to be put on the DNC he continued to talk over me and try to sell and ask what I was looking to do. He was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : CCS COLLECTIONS Account Number : XXXX Amount Owed : {$760.00} Account Name : CCS COLLECTIONS Account Number : XXXX Amount Owed : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$610.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a car loan with well Fargo bank from XXXX to XXXX, I believe the bank owe me some money, I would like to receive settlement with well Fargo bank. Please help me with it, thank you very much

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
In XXXX I purchased my home with the builder XXXX XXXX they issued a first mortgage for {$230000.00} and a second mortgage was {$57000.00}. Since then the mortgage loan has been transferred to many other mortgage servicing companies The Bank of New York Mellon XXXX The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is their servicer on my mortgage loan. 
In XXXX after my divorce, I applied for a loan modification. The new loan was for {$340000.00}. After several years of on-time payments to XXXX XXXX XXXXXXXX , then in XXXX my home went into foreclosure. I called XXXX XXXX XXXXXXXX they told me to not worry because my mortgage was in good standing. It seems to me that they never did a true modification of the mortgage because the second mortgage was transferred to another mortgage servicer I was never aware of it until last year. I thought the modification of {$340000.00} was the new mortgage modification. Since XXXX I have been making payments of {$1200.00} on the {$340000.00} and now they are asking for an additional monthly payment of {$1400.00} and an additional mortgage amount of {$140000.00}. The new combined mortgage amount will be {$490000.00} and a new monthly mortgage payment of {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capio Partners, LLC
State: LA

Complaint narrative:
1. They have called me 3 times per day for the past week, starting on XX/XX/2023. They are claiming I owe more than I actually do- I owe {$300.00}, they are asking for {$900.00}. They will not tell me who the debt is owed to. 
2. Today ( XX/XX/2023 ), they called my job and asked for my full name, social, and address. When they refused, the operator was rude and argumentative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 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: NY

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 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: NY

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NY

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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