vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
CFPD please note of this legal document for your government records regarding Wells Fargo and XXXX and myself, XXXX. XXXX XXXX XXXX former document marriage certificate supplied to XXXX/ XXXX Wells Fargo Branch 3 times. Please investigate who these XXXX individuals are. Are they legitimate individuals involved in my court ordered XXXX XXXX from Wells Fargo? The individuals, emails and phone numbers are invalid. 
Also, please confirm with Wells Fargo Executive Office my signature of withdrawal from the XXXX XXXX ordered settlement. I never withdrawled. I request a legal document with my signature of closing my interest in the XXXX XXXX. Please note according to the individual, XXXX XXXX, I can open at anytime my file, which I have had NO INTENT of closing even to this day. This person does not exist on the legal document provided. Also, does the mediator XXXX XXXX XXXX exist? Is she licensed? Do these individuals have licenses? Please send their active licenses. 
Please make Wells Fargo Executive Office accountable to the legal document that XXXX " XXXX XXXX '' sent to my address on the letterhead. 

Please advise the Settlement Administator in XXXX MN. of this unwanted activity against me. Please advise XXXX XXXX of this evidence against XXXX XXXX of this unwanted activity. 
Please advise XXXX XXXX XXXX XXXX Case Specialist that this legal document exists and I have not received my XXXX XXXX ordered check settlement Please provide my withdrawl signature, or locate the individual who claims to be a licensed XXXX employee ( XXXX XXXX ) that stated, " I can open something I did not close in the first place. '' Thank you CFPD! 
Attn : Wells Fargo Executive Office. 
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 2023-03-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 



In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and companies listed have violated my rights 15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPAA violation breach ; there are medical collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 



In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and companies listed have violated my rights 15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPAA violation breach ; there are medical collections on my credit 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have had this account since XX/XX/XXXX. The only time I have ever asked them for anything was when we were in a disaster zone due to hurricanes. Even then I took the bare minimum so I could get back to paying on my accounts as soon as possible. On XX/XX/XXXX my husband was having severe XXXX  pains. I took him to XXXX XXXX who refused to see him & referred him to the XXXX. I took him to XXXX XXXX XXXX XXXX. They did a XXXX XXXX  & determined he must be transferred for XXXX XXXX. He was transferred to XXXX XXXX XXXX where he remained. The surgeon is still trying to avoid the XXXX since its dangerous therefore he must have a XXXX XXXX  every few days & XXXX XXXX. I contacted Hyundai motors & asked to defer my payment. They said I could not because I already deferred a payment for the hurricanes. I did not even sign that form! It was an automatic deferral due to a federal disaster area or so they promised at the time. Now they claim that was my deferral & they cant help me. The only time I have ever missed a payment is due to the hurricanes. I have zero late or missed payments on any of my accounts therefore them refusing to work with me in a XXXX XXXX XXXX XXXX  is uncalled for. My account was perfect until this. All I asked for is to be able to defer the payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & get back to work. I asked for a supervisor who was also zero help. I can also mention theyve charged me for repairs due to their failures as well theres a recall on brakes yet they charged me hundreds to fix them I didnt file a complaint then although I should have.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I sent a Letter to Experian Dispute Center on XX/XX/2023, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.

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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
The debt was paid in full. Im requesting Rent Recovery update and delete from all ( 3 ) credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Experian. 
I recently experienced fraud involving my information, unauthorized inquiries without permissible purpose and invalidated accounts still reporting negatively on my credit report. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, XXXX and Experian to date. I would like any and all accounts/inquiries removed that should not be there as they are impacting me negatively. I have been denied auto loans more than once recently due to these accounts on my credit being inaccurately reported. The companies did not receive my permission to obtain anything from my credit being as they were third parties and my information was shared without my knowledge .The collections shown are unable to produce proof of debt validation, committed auto fraud against me and the contract has been rescinded, sold my info to another company ( illegal ) or past statue of limitations and still on my report ( illegal ) never gave XXXX XXXX XXXX or Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. XXXX, XXXX, and Experian is in violation of 15 U.S.C. 16816,15 U.S.C. 1681c, [ 15 U.S.C. 1681d ] 5 U.S.C. 168le ] ,15 U.S.C. 16811, [ 15 U.S.C.

1681q ] and 15 U.S.C. 1681n, [ 15 U.S.C. 1681s-2 per the FCRA. I would like these items/inquiries removed immediately as I am not able to better my l situation with these still in place. If not I will be forced to pursue legal action and plan to seek remedy for damages. My current address is XXXX XXXX XXXX XXXX, Tx XXXX and I do not wish to have a phone number in place and am not obligated to. Any other personal information on my report should be removed as I can not be contacted through those avenues and some I do not even recognize as that information has never belonged to me : XXXX ( XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX Please remove all non-account holding inquiries over 30 days old. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed Thank you for your assistance. 
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 non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
I called Aspire credit card on XX/XX/XXXX about a fraudulent charge I seen posting on my account a representative put me in touch with fraud department and they said they would credit back the charge and send me out a replacement with in 7 to 10 days. A week later I noticed on my account the last four of my card number changed so I thought everything was good. I received a letter on XX/XX/XXXX stating there was fraud on my account and it was suspended. I called and spoke with them again they said that everything was ok but the card was not sent out for some reason so they would sent it out now and I could get it within a couple days expedited I told them that ok just send it regular mail. I received another letter a week later I called back on XX/XX/2023 they told me my card was lost or stolen at first then I talked to a supervisor by the name of XXXX who told me they could not confirm address but they had already sent me out two letters by this time. I asked for a supervisor over him to call me back he said it would take two business days and took down my number. On XX/XX/2023 I called back again due to not hearing anything spoke with another supervisor who told me the problem is the card count was not on account now he can send me out a card in 3 to 5 business days he also said he did not know why the supervisor has not called back for follow up because they should have called me on the XXXX. I dont understand why every time I call them I get a different reason why the card is not being sent out and have to keep calling back. I have been on time with my payments and now am paying for a card and fees of a card XXXX dont have in my possession due to there company and issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureau the date of the last letter was on XXXX XXXX XXXXXX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The removal of one of the inquiries was taken off from XXXX XXXX  co XXXX However, the other three were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, Informative research I on XX/XX/XXXX. 
Experian Business Cred on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: NY

Complaint narrative:
Accurate Inc. According to 15 Untied states Code 1681 ( A ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Should not be reported. However the information on the report antedates in the scope of law by 12 years. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. After notifying the Accurate INC of out scope information and inaccurate information must be removed on XX/XX/2023. Accurate fail to follow rule 15 United States Code 1681 ( N ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofXXXX dollars.such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. After receiving a conditional job offer XX/XX/2023. I completed all the steps successfully up to this point. XX/XX/XXXX I received adverse letter stating was criminal findings.Due to this report my employment was rescind. After careful examination I discovered inaccurate and out scope information alone with fair act reporting violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

XXXX Account XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
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 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

XXXX Account XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
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 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 2023-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I was sent an adverse action notice on XX/XX/2023, that denied my application in a consumer credit transaction. The notice further stated that the decision to deny me was based on information shared without my consent and used to discriminate against me. As explained in federal law under 15 USC 1602 ( f ) credit is the right granted by a creditor, which means access to credit extended is my lawful right as I am a creditor as described under 15 USC 1602 ( g ) because I regularly extend consumer credit. I initiated this transaction with my credit card under 15 USC 1602 ( l ) and this corporation utilized my credit card for there own profits and gains and I received no benefit from this transaction as required by federal law under 15 USC 1602 ( p ), means they violated the law because it was unauthorized use. By discriminating against me in attempting to deny my right to exercise my right to extend credit and receive benefits from the application for credit under 15 USC 1691 ( a ) ( 3 ). To resolve this matter, I am requesting that I be granted the credit that I extended the application for without any further discriminatory restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you.ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}

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 explanation