vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to Jefferson Capital Systems and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to a collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$0.00}.

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 2024-02-02 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: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I trust this letter finds you well. I am writing to address the late payments reported on my credit file linked to my XXXX  XXXX XXXX account ( Account Number : XXXX ), specifically for XX/XX/scrub>XXXX  2019.

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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the presence of fraudulent accounts on my credit report, specifically linked to XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ). I believe these accounts are the result of identity theft.

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 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was mailed a check this past XXXX from Wells Fargo Remediation regarding a car loan back in XXXX of XXXX. The letter was very vague and they identified that they had issues applying my payment. Those issues contributed to repossessing my vehicle in XXXX of XXXX. They state as a result interest and/or fees were incorrectly assessed. They enclosed a check for {$7400.00}. I took it upon myself to look more into this and I am completely speechless to what they did to me and hundreds of other customers. I am ( XXXX  ) of XXXX customers that were " scammed '' and had my car basically stolen from Wells Fargo. 
I then realized that WF admitted to signing up customers for insurance even if they already obtained on their own. They only have spoken to me about the ( 1 ) repossession in XXXX BUT they also repossessed my vehicle in XXXX of XXXX. My husband and myself had to gather up the money to get it back the first time. I remember that I was upset cause I was only 2 weeks late on my payment. Fast forward to XXXX and it was taken again and at that point my husband and myself were not able to get it back. No real reason was given to me on any of it. It was such an emotional and financially draining event. I never even received a final letter on what happened to my car after it was auctioned off. I have been speaking to Wells Fargo since XX/XX/XXXX of this year as I wrote them and asked to go into mediation regarding this because I want answers and quite honestly they have not made this right. They purchased an insurance policy from XXXX of XXXX - XXXX. I had my own insurance and my car was repossessed twice in that time frame! The entire situation caused me to have bad credit with a repossession on my record. I struggled for years to get another car because it would require much money down and lets not fail to mention the shame and just financial " RUIN '' it did to me. I married ( my first and only marriage ) in XXXX of XXXX. I got denied for home loans and I am sorry they need to make this right! I have every record of having the proper insurance on that vehicle. I also have the information to what happened to my vehicle after they took it in XXXX XXXX. They sold it in 5 days and the state of Texas requires 10 day ( ILLEGAL ). I also have all the info of large deposit on the car the day I bought the vehicle at dealership. What they did is a fraud and scam. My mediator " XXXX '' has not mediated with me but has had me call other departments that get me no where. I am asking for assistance from you all please. These last 30 days having to go back to such a traumatic experience is weighing on me. PLEASE HELP

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 2024-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Last year there was an account added to my credit report from XXXX XXXX XXXX. I have never done business what this company and dont have any debt with them. I called them directly multiple times in XX/XX/2023 at XXXX XXXX to inquire about the account they put on my credit. They refused to send me any information regarding the so called balance I owe. They could not give me a ledger, invoice or anything showing I owe them a balance. The representative was very rude and told me I would have to pay anyway even if they didnt send me proof. I then disputed the claim with Experian. They did absolutely nothing. I called Experian in XX/XX/2023 directly and the representative told me anyone can put a debt in your name and there nothing they can do about it. There is no justice!! I have multiple account I tried to get help with but Experian does nothing to investigate or atleast send documentation supporting items remaining after a dispute

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 2024-02-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I paid off loan # 2 to Mohela XXXX XXXX, 2023 in the amount of {$7000.00}. A payment crossed, so I actually overpaid the loan. I called XXXX to request that the overpayment be applied to loan # XXXX. Loan # XXXX briefly showed as paid off a few days later, but about a week later I noticed that loan # XXXX had a balance again, and loan # XXXX had been reduced by the $ XXXX amount, so I called In. XXXX, explained the situation and was assured it would be handled. By XXXX it still hadnt been paid so I called again, I was on hold for an hour, explained it yet again and all seemed like it would be handled well, but then I got disconnected and wasnt called back despite giving permission. I called again XXXX XXXX and was told it would all be handled by the followingg Wednesday. It wasnt so I called yet again XXXX XXXX and requested to speak with a supervisor since Id heard repeatedly that it would be handled and it wasnt. I had to wait 24 hours to get a call back. I got the call and was disconnected within 10 seconds and got no call back. I called again to speak with a supervisor and had to wait another 24 hours. I was called back on XXXX XXXX, and I went through the whole thing again with the supervisor who assured me that the payment reallocation would be expedited but that it could still take a week due to volume. He said he would call Wednesday XXXX XXXX either way and he didnt not call by EOD . The loan payoff had still not been reallocated to loan # XXXX. I called and requested to speak with a supervisor again and was supposed to recover a call by the end of today, XXXX XXXX. I did not receive a call. Mohela us the worst customer service I have ever experienced. I want my payments processed accurately and promptly. I also want compensation for the hours I have spent on the phone trying to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: AR

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside the complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thanks! Please see screenshot attached :

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Charged many overdraft fees. Causing my account to get closed.

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 2024-02-02 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: DC

Complaint narrative:
I submitted this complaint to update these suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00}

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 2024-02-02 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: OH

Complaint narrative:
XXXX XXXX XXXX was taken out in my name on XXXX XXXX. 
I filed a dispute on XX/XX/year>. 
I also called XXXX XXXX and canceled the account like the fraudulent government website recommended. I had no card number to give, and they were supposed to send me something in the mail stating all this and never did. I have no issues with the debt I owe but this is not mine and I am angry. It needs removed 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have tried to get this account removed in the past using the Fair Credit Reporting Act laws and it has been a true nightmare to deal with Chrysler Capital.

First off, I requested a form of 1099-c which is a cancelation of debt about 3-4 years ago, to which I was told by them that they can not hand that to me till 7 years after the account was charged off. I don't know if this information is true but with the way things are going, seems like I will never get said form. 

Chrysler Capital is also reporting inaccurate and invalid information on my credit report as of XX/XX/XXXX which includes the date of the last activity and the date of the last payment on my credit report across the three credit bureaus XXXX, XXXX and XXXX, thus damaging my creditworthiness. 

Furthermore, Chrysler Capital is also reporting a payment history as of XX/XX/XXXX, which is long after the account has been charged off. 

There is more inaccurate and invalid data being provided to the credit bureaus by Chrysler Capital as well, like the reporting of this account as 'open ' even though it was charged off in XXXX. 

Under the Fair Credit Reporting Act laws, Chrysler Capital has been violating so many regulations which are grounds for the removal of this account from the Credit Bureaus. 

The statute of limitations in the state of California is XXXX ( XXXX ) years ; according to The Fair Credit Reporting Act, this account should have already been removed from my credit profile. However, due to the illegal and unethical reporting from Chrysler Capital, this account remains on my credit report even after 7 years and will continue to remain because they have reported a payment history as of XX/XX/XXXX, therefore restarting the statute of limitations that applies to me through my state of residence ; California. 

Please understand my frustration as I have been trying to clean up my credit profile for my sake and the sake of my family.

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

Complaint narrative:
Unauthorized entries were not promptly blocked and deleted from my consumer report after being named in an ID Theft Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've contacted capital one in regard to a late payment that they say I've accrued in with them. I've always paid my bill on time which i told them. I also told them the payment there saying I was late was not my fault that my wallet was stolen and had to get another debit card and had to set up my automatically bill pay to the new card which i did. I informed them of my wallet being stolen. I also mentioned to them that I've moved XXXX  2020. I have put a change of address in with USPS to the address that I've moved to. I've told them that I didn't receive any mail from them pertaining to a payment being due or pass due because of how I set up the bill to be paid on the due day of every month it was due through my auto pay. I've talked to representatives that were promising me that they were going to remove the late payment, but it hasn't been removed. There are some other concerns with other agencies that I've tried addressing with the agencies, but they were not being really helpful when asking for validation. They were being really rude and what seems to me that they were just trying to rush me off the phone or not sending me validation.

Company response to consumer: Closed with explanation