vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Auto loan from Chase was paid in full after trading the vehicle in. Chase received the payoff amount on XX/XX/2023. The credit report from XXXX still shows account as open, as of XX/XX/XXXX. I filed a dispute with XXXX on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX The above complaint has still not been resolved, and they ignore me

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : XXXX  account name : XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated

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 2023-02-02 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... ..... 
I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... .... 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ...... 
I request that the following inquiries be verified or removed immediately : *****Identity Theft / 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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:
There are several accounts on my credit report that do not belong to me. As of XX/XX/2023 their online dispute platform seems to be broken and can not be used to file a dispute. For this reason, I'm hoping CFPB could step in and help to open up communications with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: IL

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 XXXX XXXX  : # XXXX, XXXXXXXX XXXX  : # XXXX 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 2023-02-02 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: IL

Complaint narrative:
There are several accounts on my credit report that do not belong to me. As of XX/XX/2023 their online dispute platform seems to be broken and can not be used to file a dispute. For this reason, I'm hoping CFPB could step in and help to open up communications with the credit reporting agency.

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 2023-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My loan was established as home equity but is actually a mortgage. I owned my home in full at the time of the loan in the amount of XXXX in equity in XXXX for XXXX at 6.75 %. By XXXX the remainder due was approximately XXXX. I did a modification loan for XXXX at 4.875 % and another in XXXX for 40 years After that Wells Fargo transferred me. On both occasions they told me I had lost my job and they told me to stop paying for 3 months and Id be qualified. By the time they told me the terms I couldnt go back. Ive tried to have them explain why I still owe XXXX after 15 years and no one can provide an amortization or explanation I feel they used my equity for their gain. Possibly predatory lending.

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 2023-02-02 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: CA

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 XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 atendates the report by more than 7 years 15 USC 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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I wrote to USBank corporate headquarters. XXXX ( XXXX ) called me but was unable to explain why, since I increased my line of credit, I am now being charged a {$28.00} monthly service fee on my checking account when I wasn't previously. She left voice mail that was inadequate. I have called her and left XXXX mail 4 times starting XX/XX/XXXX and over the month of XXXX and she has not returned any of my calls. I contend that I should not now be charged this outrageous fee simply because I increased my line of credit. Or indeed, if this was to be a result of my increasing my line of credit, I should have received notification in writing of such, which I did not. Your assistance in this regard will be greatly appreciated. I have been a customer of USBank for over 20 years. 
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 2023-02-02 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: AES/PHEAA
State: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
over charge by wells fargo

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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Violation of XXXX on XX/XX/23 and XX/XX/23, incoming calls from Midland Credit at XXXX and XXXX. Company has confirmed my phone number was on file and associated to an unknown XXXX party through previous conplaint however said the calls were not made despite my phone number on file and attached screenshots with the merchant name and phone number. Refused to disclose business name, refused to answer return call. 

Image attached includes call record of MIDLAND CREDIT at phone # XXXX with call times and dates as previously listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022 I received emails from Bank of America stating that I had opened an online application for a bank account and had been approved. I was able to speak with someone in fraudulent claims today and they said they were closing the account as I was still on the phone.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CAPTIAL ONE has violated my consumer rights and per their response letter, they are refusing to update/remove negative information from my credit reports. I sent them a Notice to Opt-out and requested that they cease reporting negative information on my credit reports. The letter was sent by certified mail # XXXX XXXX XXXX XXXX XXXX and was delivered to them on XX/XX/23. 
They are in violation of the following consumer law : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I want this account removed due to deception and predatory lending practices. This account is in litigation and falls within the timeframe of XXXX. My account was opened on XX/XX/2018. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The original amount was XXXX and when I contacted the company and as could they sent me a letter showing how it went to XXXX they refused. I also wanted to work out a settlement but only want the inaccurate amount.

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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
XXXX XXXX allowed an account to be opened in my name. They were previously provided with all of the information regarding identity theft and asked to cooperate with my identity theft insurer ( providing documentation etc ) they stonewalled then switched over to claiming that they had sold the debt to Velocity and were unable to provide the information. They and Velocity have subsequently ignored requests from my attorney and continued attempts to collect and threaten me with lawsuits ( all the while not responding to my attorney ).

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They were holding my paycheck because they said that there was a problem with the issuer. I called my companys payroll and they told me that there was no problem with my check. I asked Wellsfargo for an explanation of why theyre holding my check, but nobody can give me any explantions at all. Like they make me feel like they can just hold my check whenever they feel like it. I was charged more than {$400.00} dollars for overdraft fee because all my automatic payment were withdrawn and they told me they can do nothing to stop it!

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Auto loan from XXXX was paid in full after trading the vehicle in. XXXX received the payoff amount on XX/XX/2023. The credit report from Experian still shows account as open, as of XX/XX/XXXX. I filed a dispute with Experian on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.

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