vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 2024-02-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: KS

Complaint narrative:
I received a bill in the mail from Lockhart , Morris & Montgomery , Inc for {$520.00} around XX/XX/XXXX, I called them and asked what the bill was for. They said it was a medial charge from a medical facility in XXXX Texas from XXXX. They asked me to verify my address, social security number and date of birth, I did not give them any of this information so I asked what address they had on file, they said a XXXX Oklahoma address that I am not associated with, they gave me the last four of the social security number on file and it was not correct, they then gave me the date of birth and it was not correct. I contacted the medical company that sent them claim and they said they didnt have any of my information on file. I can't remember the name of the company. 

I spoke with Lockhart again and they said I must contact a credit reporting company, so I filed disputes with XXXX, and they were able to get this removed from my report. I then later applied for a home loan and found out that this collection was still reporting on my credit report account along with other accounts and addresses that were not mine, so I filed a credit dispute with XXXX, XXXX and XXXX. 

XXXX and XXXX were able to get it resolved on my credit report, but XXXX is claiming it's my debt. I filed three credit disputes, though XXXX and they keeps telling me there is nothing they can do, and Lockhart keeps telling me I must take it up with the credit reporting company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I recently sent in a complaint on here ( cfpb ) which focused on the fact that you keep sending my overdraft letters even though I'm receiving overdraft letters on transaction 's that i had enough of a balance to entirely pay for and I've been getting billed {$10.00} per month even though wells Fargo told me multiple times before that i wouldn't have to pay it if I've had XXXX transactions per month, which i have completed for the past XXXX months, meaning you stole {$260.00} from me. I even showed proof that the cfpb itself even states you owe me my money back, yet all i received as a response on the previous complaint was XXXX stating that wells Fargo did absolutely nothing wrong ( lets see how that goes in court ) and {$20.00} for my troubles, which id like to mention is you admitting guilt on your side. Its not coincidental that the XXXX you gave me was XXXX monthly {$10.00} fees refunded, which i have proof of before you do something stupid like trying to take them back. The previous complaint number is # 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 2024-02-27 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: NY

Complaint narrative:
Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my 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 2024-02-27 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: TX

Complaint narrative:
Information not properly verified and inaccurate information still present on my credit profile. Removing information and reinserting it. 

XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX US DEPT OF ED/XXXX Experian : XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX  Experian : XXXX XXXX XXXXXXXX XXXX  Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXXXXXX Experian : XXXX XXXXXXXX XXXX XXXX Experian : XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX Experian : 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 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: KS

Complaint narrative:
On XXXXXXXX XXXX  we changed insurance and canceled the insurance on XXXXXXXX XXXX  now bsi has not changed my insurance information to back to XXXX XXXXXXXX XXXX they still have travel insurance that we dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have no knowledge of XXXX XXXX. I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXX XXXX from my credit report immediately

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have no knowledge of XXXXXXXX XXXX I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXXXXXX XXXX from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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:
This account was under the forbearance agreement and XXXX XXXX XXXX XXXX said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the XXXX XXXX XXXX XXXX officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
This account was under the forbearance agreement and XXXX XXXX XXXX XXXX said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the XXXX XXXX XXXX XXXX  officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix 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 explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I signed a 2 year contract with XXXX XXXX XXXX around XXXX or XXXX of XXXX. My payments were automatically drafted from my XXXX XXXX XXXX  Account for " 3 years. '' I called XXXX XXXX XXXX several times in XXXX of XXXX and in XX/XX/XXXX to cancel my service after the contract expired each time I was hung up on, and they refused to cancel the contract. One of the customer service agents told me that I called to renew my contract which is an indication to me that the young lady I spoke with falsified her notes. In XXXX of XXXX I had enough and cancelled/stopped my auto payment. then I started receiving phone calls telling me that owe {$240.00}. I services were not cancelled until I stopped paying after several attempts to cancel it my calling as they informed me this was the way to cancel it. Now I am receiving notices from Credit Collection Services stating that I owe {$270.00} to XXXX. I have disputed this debt with XXXX and Credit Collection Services. I have written letters exactly as this one informing them what happened and I feel as if I am being ignored. I requested documentation from Credit Collection Services that would substantiate the debt and the only thing they sent was a bill from XXXX. The 2 year contract I signed would better clarify this issue. the contract expired 1 year before I stopped my auto payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reached out to capital one bank per request per federal consumer law documentation of 15USC 1681e ( b ) and 15 USC 1681 i ( 5 ). This needs to be deleted and not lawful to report this informaton of late payments. Therefore please remove and delete the late payments by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I fell behind in making my credit card payments and it went 120 days past due, and I completely paid off the balance in XX/XX/2024. My account shows its restricted and when I called them on XX/XX/2024 at XXXXXXXX XXXX the first representative I spoke to was very uninformed and kept going back and forth as to why the account was restricted and continued to give different reasons and then stated after running me around in circles for over 10 minutes that the account couldn't be reopened and when asked about why my account would remain open in this situation with no balance due and the inability to use the account, he stated that it is their policy not to close the account and that if the customer wanted the account closed then they would need to request for it to be closed and couldn't explain the logic or reason as to how that would even make sense. I requested a supervisor and was transferred to a female, I did not catch her name, and when I posed the same questions to her, she tried to give me the run around stating that it was possible the account could be reopened if an offer was sent that was randomly sent to the consumer and when I questioned her about how that made any sense that an offer could be sent the consumer to reopen a closed account was not even a rational thought then her story changed and when pressed on the fact that Capital One keeps a customer account " restricted '' with a XXXX balance and the fact that it doesn't benefit the customer, does it, she stated she didn't know because they are not credit counselors. I asked why then would they keep the account like this if it was a permanent lock and inability to use the account, does this help my credit, does it help Capital One? Again she couldn't give a logical or rational explanation as to why Capital One uses these bizarre and irrational business practices, what I want to know is why. Is this helping or harming to my credit and why do I as the consumer have to request the account to be closed if there is no financial benefit for me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me restless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud XXXX XXXX XXXX XXXX and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False XXXX XXXX, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices XXXX XXXX XXXX. Please deleted account from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I keep trying to figure out my intrest per day and keep coming up with a different number. Rep told me it was XXXX per day and it still not adding up. 

XXXX XXXX P = XXXX R = 24.10 % T = 72 months ( 6 years ) XXXX x XXXX = XXXX XXXX XXXX = {$6.00} daily I really dont understand why Im being charged more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I have a loan with Affirm. My two previous loans with them are paid off and paid in full. This current loan that I made a payment on during the month of XXXX was only behind 30 days if barely due to a medical emergency. I repeatedly contacted them and asked for an extension along with asking if we could change the dates of payment that were due and find a different arrangement and they refused every option and didn't give me any options. I've been in the hospital I've been limited to what I can do and I've lost all of my income due to this. I can provide evidence of all of this. The minimum amount owed per my credit report was paid during the month of XXXX. They have different amounts and they contact me all hours of the day and night by email by text by phone call and it's ridiculous. They will call me from 15 different numbers that I've had to block while I was in the hospital. They call me from different area codes and it's concerning. At this point they are only allowed to communicate with me in writing. I am protected under law with medical concerns and a hospital stay that I was unable to pay and just need to pick up my payments now and go forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I Had taken the covid vaccine and had XXXX strokes and I almost lost my house and California relief XXXX helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost killed me! so sad. XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and there is other late payments that are inccorect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX CREDIT FOR A PLACE I NEVER HEARD OF IN MY LIFE. THIS IS HORRIBLE THAT MY LIFE IS RUINED DUE TO SOMEONE ELSE 'S USE OF MY INFORMATION.PLEASE FIX THIS IMMEDIATELY OR I WILL SEEK FURTHER ACTION. 
XXXX XXXX {$83.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Original XXXX : XXXXXXXX XXXXXXXX XXXX XXXX ) XXXX {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$580.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-27 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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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