vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST
State: WI

Complaint narrative:
The XXXX XXXX XXXX ( henceforth referred to as XXXX ) attempted to collect a debt that where no debt validity was ever sent. XXXX claims a validity letter was sent on XX/XX/XXXX. What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX We moved to XXXX, XXXX  XXXX miles away. in XXXX of XXXX XX/XX/XXXX then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. XXXX cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which XXXX says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that XXXX takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least XXXX company could do is remove the collection, one of my only negative credit marks.

What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.

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 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well forgo bank keep charging fee that I dont know about! Please help 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: LA

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above 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 any 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 2023-02-09 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: LA

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above 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 any 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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
Unifin continues to contact and harass me about a debt that is not mine whatsoever, and is well past the statute of limitations ANYWAYS. This is ridiculous and one would expect a company like this to know the laws at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wells fargo bank account was hacked by unknown stranger on XXXX and they pretended to be me last year and XXXX their own bank account over XXXX dollars. XXXX while i was not notified until an hour after stolen from I was not able to pay my bills or rent i needed to borrow money to cover my costs it took wells fargo over a month to send over my wrongfully taken money and it was a credited to my credit card not to my checking account

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 2023-02-09 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My credit card companies are letting scammers keep my money due to it was past 60 days to report these issues. 

Capital One : dispute # XXXX {$1900.00} private deal flow original purchaseXXXX  dispute # XXXX {$7400.00} response.com real estate inv. training XX/XX/XXXX dispute # XXXX {$7400.00} double billing I didnt receive credit for XX/XX/XXXX dispute # XXXX {$1900.00} weekly cash clock, XXXX XXXX XX/XX/XXXX dispute # money map press {$2500.00} XXXX XXXX XX/XX/XXXX no dispute number dispute # XXXX {$8500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank : dispute # XXXX {$4000.00} XXXX XXXX  XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1900.00} XXXX partners I dont remember the date but I think it was in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called Equifax today and sent dispute letter ( s ) with a police report dated XX/XX/22 in regards to this matter. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been trying to get someone to help me with the Banks in XXXXXXXX XXXX and identity theft. I have had problems with XXXX XXXX and XXXX XXXX XXXX bank and XXXX XXXX Bank and XXXX and XXXX XXXX XXXXXXXX and now XXXXXXXX XXXX Regions Bank .I have money missing again and it is becoming an increase problem because everyone is calling me for late payment because of stolen money from bank account. I also went to bank with the person who works for XXXX XXXX XXXX department Victims unit assistance. Instead of manager XXXX help she got security on the phone conference call she and manager didn't take the time to go over any of what was wrong they both kept saying it was correct and it is not correct. If it's correct why not show me and I show you what the problem is and I was already going over information with someone else in the office XXXXXXXX XXXX for two weeks with no results so I made a appointment with the Bank manager XXXX and XXXX is in Security. Both lied and said I left bank with XXXX but I didn't I left with XXXX I asked to see footage but they refuse. Then they kept asking me about the person from sheriff department who is she really to me like as if we were dating I had already explained to XXXX who she was with the police report and her XXXX victims assistance is XXXX XXXX ext XXXX XXXX. None of the debits match the credits and it doesn't add up to the amount of money I deposited in the account.And the Bank let someone cash out XXXX out of the account. I just got some money back from someone stealing my identity from XXXX XXXX Bank and someone breaking into apartment checks from XXXXXXXX XXXX insurance company which they sent check to library to be printed but it also looks like someone else printed a check also from library in XXXXXXXX SC. I printed checks from library in XXXX XXXX XXXX SC. Now almost the same amount is missing from account at Regions Bank plus my disability money

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America prepaid card services. It's been weeks since I filed my dispute and nothing has been done.

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 2023-02-09 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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Account Type Condition Responsibility Term ( in months ) Remarks REVOLVING Closed INDIVIDUAL Account previously in dispute - nOw resolved - reported by subscriber XXXX XXXX XXXX Date of Account Status Payment Status Legally paid in full for less than the full balance XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance XXXX XXXX  Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX XXXX, XXXX In Collections/Charge- off Current Payment Status Amount nant din Today Credit Cards Loansit is not accurate closed 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
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There is a account being reported by the Merchant XXXX XXXX CARD. Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX CARD. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.

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 2023-02-09 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XXXX/XXXX/202 '' ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-09 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: MD

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation