vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
They Keep providing Information that is not relevant to what my concerns and Questions are? I have Attending court they mail me the same information over and not yet not what i have requested.

This need to go father what others steps are there that i can Take at this point court has not been helpful even the judge agreed that the price was not going down no valid reason as to why the prices keeps going up yet he still agreed with them because he always does he is being paid by the debt collectors.

I am Not giving a fair change or reasoning as to why they are reporting inaccurate information on my credit reports this is actual damage and effective my life. This debt is not current this is not a new debt yet they are reporting this debt as recent debt, taking my money with no notice it should have been sent certified mail and i should have had to sign and made aware of my taxes and wages being took. 


This has been a on going problem and i am not looking for a responses from them looking for a solution, want them to stop reporting inaccurate information on my credit report, the amount is inaccurate, wage and taxes have been took and the amount should be going down not continuously going up, why am I being charged interest and can this stop? What can be done to stop garishment of taxes and wages, can we come to an agreed settlement amount where interest is not continuously being charged and going up. 



I am Currently not working injured and have a disabled XXXX coming up in XXXX. I need my income taxes and do not want them to garnish them, how can this be stopped? What is a solution, can it be mailed to me, This is effective my life and lively hood and just because they are responding with lawyers doesnt make it right. This was my car my property and it was stolen and took from me illegally, with unfair and unreasonable, and illegal possession and practices and they continue to ruin my life and cause damage with incorrect, unfair information and harassment and garnishments. 




They had dont and are doing illegal practices and taking advantage of poor people this was reporting as a Charge off, has been charged off yet Im still being harassed and garnished and every time i apply For something it is reporting as a new account or recently delinquent account. The numbers are not correct the amount is not correct. How can this debt keep changing dates how is this possible? This needs to go farther what are the next steps please do not close this because they reply incorrectly information. Need valid clear solutions, what can be done to stop incorrect reporting, changes of the date of the debt, the amount of the debt, how can the garnishment be stopped, can we come to a settlement amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, XXXX a debt collector called me back after getting a court summons, when I asked who they were they stated lawyer for XXXX XXXX, I advised XXXX XXXX done stated they were not their lawyers but a debt collector the account was sold. This company violated FDCPA, which I included in court Response by refusing debt verification on phone call. They lied, and falsified who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: Experian Information Solutions Inc.
State: TX

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.

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 explanation
Consumer complaint received 2024-01-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX {$150.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} Were all unauthorized transactions out of my bank account I reported the transactions to XXXX for Fraud on XX/XX/XXXX and previously in XXXX to XXXX for Fraud. On XX/XX/XXXX XXXX initiated the dispute for the transactions and requested that i sign a WUSD. I never recieved a WUSD from XXXX for signature within 10 buisness days. The case was closed and my nothing was done for my fraud dispute, due to XXXX failing to provide me with a WUSD to sign. I attempted to contact XXXX multiple times to get a WUSD To sign. 

Transactions are not listed on my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a XXXX XXXX of XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. XXXX XXXX is a XXXX party collection agency, who wrongfully placed this debt on my personal credit. 

XXXX XXXX gave me these leases and account statements for XXXX XXXX, XXXX. These documents that XXXX XXXX provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
Transunion didn't let me file a dispute through their website for accounts that are being reported due to identity theft. Through credit karma I was able to file a dispute for only one account. Transunion is the only agency that are still reporting this invalid accounts. Please review my FTC report and immediately remove the accounts listed.

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 2024-01-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$140.00}

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a Wells Fargo Debit Card. I took out {$60.00} from an ATM. There was a {$3.00} fee for taking money from a non-Wells Fargo ATM. However, Wells Fargo has also hit me with a {$2.00} Non-Wells Fargo ATM Transaction Fee and another {$2.00} NON-WF ATM BALANCE INQUIRY FEE. That totals {$8.00} in fees for taking cash from a non-Wells Fargo ATM.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/2024, I received a letter from American Express ( ref : XXXX ), asking for a copy of my tax return in connection with an application for credit. 
I contacted them at XXXX, and they were able to decline the credit application on my informing them that the application was not initiated by me, and thus fraudulent. On XX/XX/2024, after placing freezes and fraud alerts with the major credit reporting agencies, I again contacted American Express at XXXX, to request a copy of the application for credit entered in my name, so that I could complete a police report. The online police report ( XXXX, XXXX police department ) requires a dollar amount to be entered, in order to file the police report. 
Their representative stated that American Express ' policy is that they will not release a copy of the credit application without a police report, an affidavit of identity theft, and a copy of my government issued identification. I explained to her that this feels like a violation of my rights. If they accepted a credit application from whom was presumedly me, I should be entitled to a copy of that application for credit without anything beyond what they required to initially accept the credit application. 
When the representative was unwilling to make an exception to the policy I feel is unlawful, I asked to speak with her supervisor and she stated there was not supervisor and they would have a supervisor give me a call back in 24-48 hours. 
In a situation where identity has been compromised, timeliness is imperative to prevent further fraudulent activity and potential losses to all parties. I explained to the representative that this was unacceptable to me to and asked her to confirm if they were working without a supervisor present. She was unwilling to confirm if a supervisor was actually present or not, and simply repeated that a supervisor was unavailable. This felt as if a rogue agent was exercising her will to prevent me from getting the help that I need, as I already explained that the policy American Express holds as a barrier to prevent victims of identity theft from getting the documentation they need feels as violation of my own rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DID NOT CONSENT TIO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : OPORTUN/PROGRE SO FINAN XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or OPORTUN/PROGRE SO FINAN customer service representative XXXX 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This inquiry was made by the creditor without my consent, and it must be promptly removed.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I sent certified letter Notice of Dispute Demand for validation and proof of claim. I gave the company 30 days to provide information. They failed to provide the correct information. They have multiple account that I have requested information from and they failed to provide any information for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS

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 2024-01-04 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: TX

Complaint narrative:
I DID NOT CONSENT TIO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING 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 2024-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I DID NOT CONSENT TIO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS.

Company response to consumer: Closed with explanation