vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: LEXISNEXIS
State: FL

Complaint narrative:
I have reviewed by credit report from XXXX dated XX/XX/XXXX, and discovered once again an inaccurate and incomplete record reporting on my file as " XXXX XXXX XXXX XXXX XXXXXXXX '' Reference # XXXX. In my dispute according to complaint # XXXX, I requested that XXXX provide me the " SOURCE '' of the information for this disputed inaccurate and incomplete bankruptcy record. XXXX has refused to provide this information which is intentional and reckless. According to the FCRA XXXX is required to provide me the source of information in accordance with 15 US 1681g ( a ) ( 2 ) which states " Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer '' ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. '' In dispute and case # XXXX ( attached ) XXXX admitted to not contacted the courts for this information and stated that he relies on " Public Record Vendors '' which is what is reporting on my credit report ( attached ). If this has changed, XXXX needs to " CLEARLY '' state it's source. I have also attached a disclosure from Lexis Nexis who has stated that they provide XXXX with public record information. My Lexis Nexis disclosure report does not include a bankruptcy, this has been provided to XXXX on numerous occasions. Additionally, Lexis Nexis is not authorized to share my data with XXXX or any other source with the exemption of Law Enforcement per my suppression request. It is illegal Lexis Nexis to report information that has been disputed and unable to be verified as accurate. It is also a violation of privacy if Lexis Nexis is sharing my personal data without my consent. I am requesting XXXX provide me the source of information and how it verified the completeness and accuracy of this record. I DO NOT accept the investigations completed on XX/XX/XXXX, XXXX or XX/XX/XXXX as they DO NOT address my dispute and request. If XXXX can not do so within 30 days of this dispute, it must delete this record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo drive thru atm on XXXX XXXX XXXX XXXXXXXX in XXXX XXXX I selected to withdrawl {$1000.00} and the machine gave me {$500.00} I called the bank located on XXXX XXXX XXXX  XXXX. 
Although its a fully functioning bank no calls are received by anyone inside this location. 
I then called the # on my bank atm card. The said they would do a investigation. They told me it would be 5-7 business days. 
Wells Fargo credited my account the {$500.00}. 
Wells Fargo then reversed the {$500.00} saying after a audit the system was not short {$500.00}. 
They closed the case. 
Im not willing to just sweep {$500.00} under the rug Claim XXXX XXXXXXXX Please help me if you can. 
Thanks 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 2023-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
RE : ACCOUNT NO. XXXX I am requesting a OCC complaint and a regulator who is not solely assigned to the Bank of America. Due to the many underlying factors concerning the Original Loan and Subsequent Additional Unauthorized Escrow and Insurance charges. Basically, I believe Bank of America has discriminated against and continuously violates rights. 

This request is to first inquire regarding my eligibility to refinance my original loan principal. Due to the fact, I have never missed a single principal loan payment and have approximately XXXX equity in my property/home. I was advised starting in XXXX, I should try to apply for a loan modification. Although, I did inquire about refinancing my original loan principle. I was never given any response. 

Therefore, starting in XXXX, I starting the Loan trial process. 
The original loan modification and new loan Modification monthly payment jumped from XXXX to approx XXXX ; I paid that for a 3-month period and suddenly received a notice that the original loan mod amount of XXXX was incorrect. I have copies of the XXXX coupons and a letter saying that the original amount was approved. Then they switched loan mod amounts and raise to another even higher amount of approx XXXX. Which, although i told them ... .I can not afford that extraordinarily higher 4x larger than the original payment. They do not care or listen. Therefore, my Banking Case managers mailed me a loan modification which makes fundamental harmful changes that could cause me further damages and additional already undue stress. One of the biggest issues is that the original loan did not have Escrow or Insurance included. The new XXXX payment has both been included. Even though I supplied the bank with my own personal payments to the XXXX XXXX XXXX office for my XXXX property taxes.

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 2023-05-19 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: MN

Complaint narrative:
First call was from a different number back in XXXX, unsure of date and time. Second call was XX/XX/XXXX at XXXX. Told them to quit calling me as I do not owe this debt. They called again XX/XX/XXXX at XXXX. Left message. Blocked and reported number. Called again today, XX/XX/XXXX at XXXX. Left voice message. Called again and told them to take me off their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: MI

Complaint narrative:
I am writing to dispute a charge of {$460.00} on my XXXX credit report that was once removed off two of my XXXX and XXXX account when I was with/under the XXXX XXXX XXXX from XXXX in a half year. Now that I no longer with the XXXX XXXX XXXX, the company Mountain Run Solutions add the {$460.00} back on my XXXX credit. 
The {$460.00} charge goes back to over 12 years. I sold my house back in XXXX. In XXXX is when I received a letter from XXXX XXXX that indicated I had a balance. I even tried to work with XXXX XXXX to make payments because I wasnt aware of a balance was due for payment. They were not negotiable with me making any payments they wanted the funds in full. I wasnt aware that a company can collect a debit after 10 years. 
Can someone explain how can something be removed off your credit when Im paying the law firm to so call fixed my credit but when I stop paying them the hard inquiry be back on my XXXX score? 
Please remove the hard inquiries back off my credit score since the charge is over 12 years or longer. 
Please help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2023 60 days late as of XX/XX/2023,  90 days late as of XX/XX/2023, and 120 days late as of XX/XX/2023 I am not sure how this happened. I was under the impression that this account was closed and did not know that a payment was due to this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported an unauthorized fraud charge of {$82.00} from XX/XX/23 on my Citibank Double Cash charge card from vendor XXXX IL XXXX. 
I NEVER received any goods or services for this {$82.00} charge. I called the vendor on XX/XX/23 & asked what I was charged for & XXXX, phone rep, could not tell me & only said take it up with your bank! 
Citibank XXXX Citicards has refused to believe & help me!!! I am outraged that Citibank /Citicards refuses to stand behind their gold member clients!!!! Instead Citibank /Citicards is engaging in this fraud/theft by stealing this {$82.00} from me, their Citibank Gold Member . This is outward theft by my financial institution which I put my financial trust in!!!! I have contacted, via phone, Citibank & Citicards with my complaints numerous times to NO avail. 
Please help my with my consumer financial complaint. Absolutely NO one has any right to fraudulently charge my credit card without my authorization!!! No exceptions.

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 2023-05-19 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: NY

Complaint narrative:
i am suffering because my credit look bad because these reporting agency 's are reporting info and accounts that are inaccurate on my report and i demand it be removed asap!

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 2023-05-19 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: VA

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 XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXXXXXX 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 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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has charged me {$510.00} in interest fees on XX/XX/12. I contacted them to understand the charge. Here 's what happened : I had a bank account linked, and I didn't have enough funds in that account to make the payment due. I went online to try to change the account linked, and the American Express system wasn't working ( it had some error message, like " try again later '' or something ). That happened several times. I gave up and didn't have time to call them, so Amex automatically pulled the payment from my account with insufficient funds. 
Once I realized that had happened, I called to understand the interest being charged. I asked how {$510.00} was calculated. It was for a billing period of XXXX XXXX XXXX where I owed a balance. I asked if I was being charged interest on the whole amount of that billing period for each day of that time period, and they said yes. That means I was being billed interest on money I hadn't even spent yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MD

Complaint narrative:
Upon reviewing my credit report obtained from your agency, I noticed multiple late payment notations on my credit file. The reported late payments are incorrectly reflecting on my credit history and are adversely affecting my creditworthiness and financial opportunities. In accordance with the Fair Credit Reporting Act : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

15 U.S.C 1681b ( 1 ) the credit bureaus dont have no written permission. 
15 U.S.C 1681 section 2 states 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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because there are obvious inaccuracies. 

The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference and once again it is Caine & Weiner 's job to make sure this information is correct by conducting a proper investigation. 

Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
The company affirm has my information being used by someone who isnt me. I have no access to this account. My social is being used and because I cant verify my identity through the email the fraud is being committed under or phone number they arent resolving it. I want the account closed. First attempt they ran me in circles providing my email and phone number over and over and hung up when I asked for a supervisor. Someone is using my social security number within their system and they will do NOTHING. SECOND ATTEMPT I was placed on hold and left ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: UT

Complaint narrative:
In regards to the company response to my complaint. The only discharged bankruptcy I have done was in XXXX which my loan with XXXX XXXX was not included in. The bankruptcy in XXXX is over the 10 year limitation and should not be appearing on or affecting my credit score. The other bankruptcies appearing on the report were DISMISSED and since XXXX XXXX disregarded the one and only Bankruptcy i filed on XX/XX/XXXX and took possession of my home when it didn't sell at auction and the bankruptcy was immediately dismissed. I dont think that should be appearing on my credit report. The loan with XXXX XXXX was not discharged in any bankruptcy proceeding nor did I attend any of the other fraudulently filed bankruptcies that were also DISMISSED.. This is a credit reporting error by the CREDIT BUREAUS so I'm concerned about what is actually being investigated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: UT

Complaint narrative:
In regards to the company response to my complaint. The only discharged bankruptcy I have done was in XXXX which my loan with XXXX XXXX was not included in. The bankruptcy in XXXX is over the 10 year limitation and should not be appearing on or affecting my credit score. The other bankruptcies appearing on the report were DISMISSED and since XXXX XXXX disregarded the one and only Bankruptcy i filed on XX/XX/XXXX and took possession of my home when it didn't sell at auction and the bankruptcy was immediately dismissed. I dont think that should be appearing on my credit report. The loan with XXXX XXXX was not discharged in any bankruptcy proceeding nor did I attend any of the other fraudulently filed bankruptcies that were also DISMISSED.. This is a credit reporting error by the CREDIT BUREAUS so I'm concerned about what is actually being investigated here.

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 2023-05-19 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: MD

Complaint narrative:
Upon reviewing my credit report obtained from your agency, I noticed multiple late payment notations on my credit file. The reported late payments are incorrectly reflecting on my credit history and are adversely affecting my creditworthiness and financial opportunities. In accordance with the Fair Credit Reporting Act : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

15 U.S.C 1681b ( 1 ) the credit bureaus dont have no written permission. 
15 U.S.C 1681 section 2 states 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 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 2023-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX XXXX XXXX and 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 non-monetary relief