vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 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  All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-27 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: FL

Complaint narrative:
Experian continues to report the following address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I have contacted them various times advising them this is not my address. I contacted them today and finally talk to a nice man who said I would need to contact you and explain to you these addresses are not mine so you can contact Experian so they can provide accuracy on my credit report. Please have them remove this off my credit report due to this is not my addresses and is reported in error by Experian.

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 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: SD

Complaint narrative:
On XX/XX/XXXX I was transported by an ambulance to XXXX XXXX XXXX in XXXX XXXX, XXXX I was taken to the ER where I had to be XXXX  and put on a XXXX The hospital then needed to transfer me to a higher level of care so they called a different ambulance company, XXXX XXXX XXXX of XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to transfer me to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
When XXXX submitted the bill to my insurance company ( XXXX ), they forgot or refused to send documentation to explain medical necessity for the transport. XXXX asked for more documentation which they never received. After numerous attempts to collect this information from XXXX, XXXX simply suspended there claim. 8 months later in XX/XX/XXXX, XXXX sent a bill to us for {$1700.00}, and demanding payment. We called them and explained to them that XXXX was giving them 45 days to complete the information that they needed or the submitted bill would be considered non-certifiable and would be closed. XXXX also informed us on the phone that we were not in any way obligated to pay anything to XXXX because we had insurance that would have paid the submitted bill if they had submitted the required documentation and followed the required processes. 
XXXX missed their deadline, so they were now denied. XXXX then turned it over to a collection agency. I submitted all of this same information including the letter we received from XXXX regarding this problem. The collection agency emailed me and said that the collection process was now on hold until XX/XX/XXXX while the investigated the claim. In the meantime XXXX continues to harass us and try to collect payment. XXXX contacted us stating that they have finally received the documentation and they are reviewing it. In the meantime, again, XXXX continues to harrass us wanting to collect from us. Their collection process could also wrongfully damage my excellent credit rating which may result in a defamation suit if they continue this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2022 Wellsfargo issued mail stating their reseach had been completed on my case ( # XXXX ) for unauthorized transfers of {$5700.00} and {$5700.00} on XX/XX/2022 stating " we're pleased to let you know the wire transfer was canceled, and there was no impact on your account, please consider inquiry closed. I was also issued a new debit card. Wellfargo issued another piece of mail stating me account statement which is is $ XXXX, with no funds returned. I called a agent and was told they I will not get my {$5500.00} because the account has no funds.

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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I lost my job when the position ended due to covid downturn. I informed Capital One that I was out of work due to Covid and that I was unable to make payments until I successfully regained employment. I was unable to gain employment until XX/XX/XXXX. In XX/XX/XXXX they put a permanent restriction on my card and terminated my charging privileges. I have had this credit account for over 20 years. In XXXX I made payment arrangements however in XX/XX/XXXX XXXX XXXX XXXXXXXX and was terminated from my employment for being out of work to long. I was not informed when I made the payment arrangements that the restriction would not be removed if I kept up with the payments on the account. I just successfully regained employment and attempted to make arrangements to pay it off in full and have the card restored and they are unwilling to work with me after 20 years of being a customer and having informed them at ever step about the covid situation. I cant understand what the point of having XXXX  options are if they are not going to work with customers that are impacted. Now they have completely destroyed my credit reporting it negatively each month and now I would have to reapply for a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-04-27 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: NV

Complaint narrative:
I HAVE SENT SUPPORTING DOCUMENT TO TRANSUNION MULTIPLE TIMES VIA CERTIFIED MAIL PERTAINING TO A BANKRUPTCY THAT DOES NOT BELONG TO ME. I CALLED TRANSUNION ONLY FOR THE XXXX XXXX IN THE FRAUD DEPT TELL ME THAT HE WILL NOT REMOVE THE BANKRUPTCY EVEN THOUGH I SENT IN THE SUPPORTING DOCUMENT. THE XXXX XXXX GOES TO STATE THEY DID NOT RECEIVE ANY DOCUMENTATION. I TOLD XXXX THAT I SENT IN DOCUMENTATION IN XXXX XXXX  CERTIFIED AND TRANSUNION SIGNED FOR THE MAIL, ALSO I HAVE SENT IN DOCUMENTATION THROUGH CFPB THAT TRANSUNION CLAIMED THEY NEVER GOT. I CALLED US BANKRUPTCY COURT AND I REQUESTED HOW THEY VERIFY DISPUTES WITH CREDIT REPORTING AGENCIES. I WAS TOLD US BANKRUPTCY DO NOT VERIFY OVER THE PHONE NOR DO THEY VERIFY ANY INFORMATION WITH THIRD PARTY COMPANIES OR CREDIT REPORTING AGENCIES SUCH AS XXXX, TRANSUNION, OR XXXX, ALSO ONLY THE LAST XXXX DIGITS ARE SHOWN FOR A BANKRUPTCY NOT THE FULL SOCIAL. I HAVE NOT FILED BANKRUPTCY! TRANSUNION HAS NOT VERIFIED WITH THE ORIGINAL FURNISHER WHICH IS THE BANKRUPTCY COURTS! IF CFPB IS SUPPOSED TO SEND MY ATTACHED DOCUMENTS WITH MY DISPUTE THEY HAVE NOT BEEN DOING SO! TRANSUNION STATED THEY HAVE NOT GOTTEN ANY DOCS FROM CFPB SO SOMEONE IS NOT DOING THERE JOB! NO CONSUMER SHOULD HAVE TO SHOW BURDEN OF PROOF WHEN THEY CLEARLY IS UNAWARE OF SOMETHING ON THEIR CREDIT THAT DOES NOT BELONG THERE. I WILL ALSO BE COMPLAINING TO FTC ABOUT CFPB NOT SENDING SUPPORTING DOCUMENTATION WITH DISPUTES FOR CFPB! I HAVE SENT IN A COPY OF MY PASSPORT, MY BANK STATEMENT FOR ADDRESS CONFIRMATION, AND THE LETTER THAT STATES, " THE BANKRUPTCY WAS NOT VERIFIED ''. AND TRANSUNION STILL REFUSE TO REMOVER ERRONEOUS BANKRUPTCY! TRANSUNION IS A LIE! THIS IS MERELY A PAPERTRAIL FOR ME TO PRESENT IN COURT! I HAVE HAD ENOUGH! REMOVE THE BANKRUPTCY IMMEDIATELY! I TAKE MY CREDIT SERIOUSLY! I HAVE ATTACHED DOCUMENTATION FOR THE LAST TIME!

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Siggi LLC
State: OH

Complaint narrative:
My name is XXXX XXXX. I am part of the CFPB settlement with Omni Financial. I have requested that they reissue my check. The refuse to reissue my check until the check void date ( which is not for another month ). They say they will then issue another check 8 to 10 weeks after that time. I would like them to re-issue the check now and not wait the 3 months to issue a check.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
This company Advance Financial approved me for loan three years ago. I never accepted the loan. Advance Financial mailed another ad with pre-qualified terms and says I can get up to {$4000.00} until XX/XX/2022. When I applied it declines the offer that they continue to send in the mail. I need the money now and it's false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I initiated a refinance for my home with Rocket Mortgage around XX/XX/2022. Everything was moving along until we came to getting the Payoff letter from XXXX XXXX XXXX ( XXXX ), my current loan servicer. According to Rocket, the payoff letter sent by XXXX, did not include a " XXXX XXXX '' from XXXX XXXXXXXX. Therefore, the title company held the title with the XXXX XXXX and would not release it. Now my interest rate lock, as well as my appraisal money that was charged on my credit card, are now in jeopardy. 

I got on the email and group everyone together on an email Rocket, XXXX XXXXXXXX, XXXX and XXXX ( XXXX is an arm of XXXX. XXXX was my initial servicer, when they transferred my mortgage to XXXX for servicing ) letting them know that, my interest rate would be expire on the XXXX of XXXX ( ( this started in XXXX ), if i didn't get a corrected payoff letter in a timely manner. Well, i didn't get the letter until the day of the XXXX - 3 month later! Rocket Mortgage will not honor the interest rate, and the interest rate went up, even though XXXX sent it on the XXXX. Rocket has been calling me and trying to push me into the higher interest rate refinance- i don't want a higher rate, that is not in my best interest! 

Now i can not refinance with any bank, because i wasted 3 months waiting for the corrected payoff letter from XXXX. Interest rates have gone up even higher, than what was locked. NONE of this error is my fault. I am not sure why i was penalized by not getting the rate i agreed to, and losing {$500.00} in appraisal that Rocket told me i will not get back, even though the letter came on the day of the XXXX. This is not FAIR! I am back to square one!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-27 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX has claimed to contact me but unable to reach me therefore has violated my right furthermore by continuing to furnish information against me without my consent, knowledge, or written instructions. XXXX has violated my right to privacy furthermore by send forth my complaint without my permission. XXXX claims to have requested deletion of the account from my credit report from all 3 credit bureaus but has failed to provide valid proof. According to my rights and the law Once something has been deleted from my file it can not be added back. XXXX has stated that i am misinterpreting the law however Ive been studying all laws for over 3 years now. I am assure of my rights and how the law works. I am assure of how the law is enforced and whatll happen if ppl fail to comply. XXXX has stated they have contacted me in attempt to collect a debt a do not owe but was unable to reach me. However according to my rights a debt collector must not state they are in the debt collection business or not contact a consumer without prior consent. 

XXXX XXXX XXXX is attempting to collect a debt i do not owe. Ive never used this company or know anyone who has. They have violated my rights as well ; collecting information about me ( the consumer ) violating my right to privacy and furnishing information without my written instructions and consent. I now demand they stop immediately. 

Experian has violated my rights by furnishing this account and i demand it now be deleted immediately especially with XXXX  stating they have requested a deletion as well. This is not my debt. 

According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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

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 2022-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation