vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a XXXX XXXX XXXX XXXX, I was in a car accident on XX/XX/XXXX. I was paying a XXXX dollar car note to Wells Fargo with XXXX insurance included. When my XXXX XXXX paid their portion of the vehicle Wells Fargo ( XXXX ) XXXX was supposed to pay the rest, and have yet to do so they stated that it takes 180 days to be processed and they were provided with all documentation from my insurance claim. I have tried several times to reach out to XXXX and no one has yet to respond. I hope and pray that this matter is resolved soon. 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 monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/year> I attempted to access XXXX XXXX in my Ally bank account. The account is in good standing and I have used XXXX for over 10 years. I was denied access. I received not written notice, and there was nothing in my message section of my account. I called XXXX ( who handles XXXX ) and was told to contact Ally Bank. Ally told on the XXXX that the problem should be resolved by the XX/XX/year>. It was not. Since I consistently pay my bills on time and have over XXXX XXXX scores, I was very concerned that I would be late in paying my bills. I called both XXXX and Ally again on XX/XX/year> and I have been granted access to XXXX. I have never received an email, letter or verbal explanation as to why my account was frozen. It was pure luck that I attempted to access my XXXX account early this month. XXXX, XXXX was reactivated with a simple phone call which leads me to believe that this was a glitch.

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 2024-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XX/XX/year> Amount : {$2000.00} Paid : {$1400.00} Owe : {$600.00} Problem : Amount keeps being raised. Different answers/responses everytime I call in. 

I am an adult, XXXX, on XXXX and my mortgage company is trying to take my home. I am raising a young man who is XXXX. The house I live in is my mother 's. The company I am dealing with has many complaints from homeowners, Shellpoint Mortgage Servicing. With every phone call, I am given a different higher amount owed to save my house. I got behind three payments after XXXX. One letter has them charging me their attorney 's fee! I've since paid {$1400.00} trying to catch up. But I'm told, it's {$600.00} more, then {$900.00} more. Feels like a predatory mortgage company/debt collector. Please help me. I've even been told that their system is down, " so, everyone is getting different amounts owed all the time. '' What kind of mortgage company??? I am frightened.

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 2024-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Received letter from Transworld Systems Inc. ( TSI ), claiming that I owe {$2600.00} to a XXXX account number XXXX, which TSI claims is now owned by XXXX XXXX XXXX XXXX. 

They claim the debt has existed since XX/XX/year>. 

I contacted the claimed original creditor, XXXX. 

This XXXX account is not now nor has ever been mine. I called XXXX to verify ; support agent says it is not even a XXXX account number. 

I am current on my actual XXXX bill in any case. 

Attempted to contact TSI, but declined when they wanted my SS #. 

TSI Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Contacted TransUnion regarding companies accessing my credit report I did not authorize. As with each company, I have a statement stating no company can receive a copy of my credit report unless I sign authorization and/or they all me directly to provide authorization because I have been a victim of identity theft from company breaches. The following companies did not contact me and I did not apply to these companies. Transunion, was asked to remove these unauthorized inquiries in a letter XX/XX/year> and TransUnion stated I need to contact the companies who have no signed documentation. 
Under the FCRA and the Fair and Accurate Transactions Act, there are provisions related to record accuracy and identity theft which provides provisions related to record accuracy and states identity theft is not part of a factual record. Under this legal provision, I am requesting the inquiries below be removed immediately as they were not authorized by me and it furthers penalize the victim ( myself ) as this information lowers my credit score resulting in higher rates in loans and denial of credit cards.

Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX Banking on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 

Asked Transunion to put these inquiries as soft inquires as they are lowering my credit score.

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 2024-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cactus Jacks Auto Sales
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 1901 XXXX XXXX XXXX # XXXX XXXX, AZ XXXX Re : Dispute of Debt - XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full. 

The XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone. 

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA section 605b it is illegal to report information on my credit report without my permission.but the credit reporting continues to violate and not remove information there is so much not accurate information on my credit report. Account : XXXX XXXX XXXX has 2 personal loan account number XXXX with {$4700.00} and I spoke to a rep at XXXX  they noticed the inaccuracies and still will not remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I purchased green onions from XXXX and the product has an artificial nail in it. These are the ones that the employees cut up and put out in the produce aisle. I called XXXX after I threw up at the thought of what was done. No hygiene or food safety handling was involved in this situation. If it were this would have not happen. I pretty sure there are safety protocol violations for this not to happen. What was really insulting was when I called them they act like it was my nail. Horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Negative Account on Credit Report Dear Representatives I am writing to formally dispute the following negative information that appears on my credit report. this information is inaccurate and request that it be investigated soon as possible as section 1681n state.

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX  XXXX XXXX  Account Number : XXXX violations of section 1681 ( n In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you remove the inaccurate information from my credit report. Please notify me in writing of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 
Outstanding Compliance Issues :

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inaccurate information has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did you verify this account and what information do you have to send me proof of proper investigation? If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

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 2024-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I asked this company to send a 1099c cancellation of debt because this account has been charged off this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I am contacting Wells Fargo in regards to complaint number XXXX. In your response you stated Wells Fargo did in fact report inaccurate information. Not to mention, I paid the account on something you stated was inaccurate, which is questionable. I am now demanding that you remove the account and all references to my personal information from your records regarding this account. The account has caused me to not be considered for employment and other credit lines. I asked that it is permanently removed from my credit files because due to inaccuracies it was in violation to FCRA the whole 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 explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : COLLECTION : Repossession 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit score dropped and there was a charge on there that I was not familiar with from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This place has never tried to collect money from me, it just hurts my credit score. I am unsure what this is for and tried to call the company with no success. I filed a dispute with Transunion and got a report back on XX/XX/year> and they didnt resolve my issue.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I dont know why equifax keep sending me papers saying they dont have my information my personal information after I just sent in all my docs to like 3 different equifax businesses they playing with my financial health and also my mental

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Raporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S, C 1681 section 602 A. States I have the right lo prvacy.

and according lD 15 USC 1681eb thay are supposed 1o ansure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy af the information concering the individual about whom the report relales.

15 U.S.C 1681c. ( a ) ( 5 ) Section Stales : no A 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 that antedate 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