vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have a savings account in a trust. The balance is XXXX cents and we want to close it as they keep charging service fees. My father - trustor of the trust- is XXXX, housebound, and legally XXXX. I took the certification of trust naming me as co trustee and a POA over my father into the branch office on XX/XX/XXXX ( took two weeks to get an appointment ) but they said the only way to close is for my father to physically come into a branch. Again, he is XXXX and can not go to a branch. He tried calling but they said he had to come into the branch. He explained he could not physically go to a branch but Wells Fargo doesn't care. I was told they will be charging the account again in 20 days and that if I wanted to come back in to discuss it would take at least 4 weeks to see someone. I told them that we don't care about the XXXX cents we just don't want any fees and want the account closed. Their only solution is for us to figure out how to get my XXXX year old father to a branch. I can not believe that there is no solution for those with XXXX. We don't want the XXXX cents just no more fees. We are at our wits end with this. The agent I met with suggested I go on line to close the account but you can't do that either unless the balance is already 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 2022-08-04 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: VA

Complaint narrative:
Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit 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 2022-08-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, XXXX stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit 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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, Experian stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Founders XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: MD

Complaint narrative:
XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
I was injured at work back in XX/XX/XXXX. I started trying to work with Cross country mortgage in XX/XX/XXXX in regards to loss mitigation and have had trouble with them " not receiving my applications '' I got confirmation XXXX that of was received via email. From XXXX until today ( XXXX ). I have emailed them on XXXX, XXXX, XXXX, and XXXX. I have called them XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Cross country mortgage has not been giving me any information nor updating my account in regards to the loss mitigation process. They had also sent me a letter for acceleration and stated today in the phone call that my loan is now in active foreclosure even though I have been in contact with them and sent in all the documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax violated my rights and I didnt give consent for my information to be shared and I didnt give consent for them to use that report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
It was made very clear by Congress that EQUIFAX assumed a grave responsibility in their role as a consumer reporting agency. I have been directly affected in a negative way by the actions they continually take that infringe on my rights as a federally protected consumer. 

EQUIFAX has created a consumer report on me without my express written consent. I have never given instructions for them to accept or to furnish any information about me at all. They have violated my consumer rights and my privacy with no permissible purpose. These practices are unfair and partial. 

There are fraudulent account numbers and fraudulent balances on this consumer report. I've spoken with agents of EQUIFAX demanding the removal of the information ; they've refused. 

Please assist me with getting this fraudulent information off this report that was created without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 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.

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 2022-08-05 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: NC

Complaint narrative:
I just checked my credit record, and I regrettably discovered that a fraudulent requests had been reported. You are submitting information that is not your own. I'm writing to make sure my credit file always contains the most up-to-date information. Within the next 15 days, kindly remove the unlawful credit query from my file. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
After changing my phone number, I don't have access to my account anymore, because the bank sends a code to the phone number on file each time when a customer tries to log in. KabbageXXXX wouldn't even send me account statements. I have informed them several times that I have changed my phone number but they seem to ignore it. 

I sent them a written request on XX/XX/2022 to either change my phone number or to close my account. Today, on XX/XX/2022 I received a message on my new phone number from a lady with the name XXXX acknowledging that they received my letter and asking me to return her phone call. When I tried to return her phone call, someone else answered and refused to transfer me to her. This lady who would not identify herself also refused to discuss my written request to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
This debt concerns a 30 day trial of XXXXXXXX XXXX XXXX XXXX. As per their trial policy, if the account is cancelled and the device is returned within 30 days, the use for the first 30 days is free. I canceled the service and returned the device within the 30 day window. XXXX acknowledged this on two phone calls ( see dates below ) Nonetheless, XXXX has ( 1 ) charged me {$60.00} and ( 2 ) referred this non-existent debt to a debt collection agency ( XXXX XXXX. 

The relevant dates are below : XXXX - Order placed for the XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX Device delivered to XXXX XXXX - Cancelled service via XXXX 's chat feature. XXXX told me to drop it off at a XXXX store ; they would not provide a return XXXX number. 
XXXX - XXXX Device was delivered, by hand, to XXXX store in XXXX, Montana. 
XXXX - I called customer service because I received a {$60.00} bill, despite having cancelled service and returned the device within the 30 day window. XXXX stated that they did receive the device in XXXX on XXXX, and it was received in the " warehouse '' on XXXX. XXXX stated that they would fix the bill and zero out the account. 
XXXX - XXXX confirmed again that I cancelled and returned the device within the 30 day window. They could not explain why the charge remained. XXXX opened an " investigation '' ( confirmation XXXX ; Order ID XXXX ) that they said would resolve the issue within 5-7 days. 
XXXX - I receive an email from MRS ( mrsbpo.com stating that XXXX gave them my " bill '' ( again, that XXXX twice stated should have been remedied and zeroed out ) for collection. Same day I called XXXX and was told there was nothing they could do because the " debt '' was in collection. 

This is a false debt collection ; there is no debt and XXXX and MRS are attempting to collect on a non-existent debt.

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 2022-08-04 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: NC

Complaint narrative:
I submitted a request on 3 different occasions to Experian Credit Bureau to have the debt XXXX XXXX XXXX removed from my credit report. To my understanding, per CFPB complaint File number XXXX there was a settlement where this listed is to be removed from the credit report. I have provided this information on all disputes, however Experian would only mark my dispute as updated. When I requested information as to what was updated, I receive the same reply back, which lets me know they are not following the FCRA. Based on this disregard to my consumer rights, I am requesting for XXXX XXXX XXXX and all accounts related to this to be removed and deleted from my credit profile. This is a clear violation of not only my consumer rights, but also the FCRA.

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 2022-08-04 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Ad XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I Has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debt has been disputed numerous of times, each time it has not been verified as requested. Calls are at least 6 times a day before and after business hours, and even more frequently on the weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: Nelnet, Inc.
State: GA

Complaint narrative:
Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 


A debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay an alleged debt is extortion. Collection of extensions is a violation of 18USC894 and carries a criminal liability up to 20 years.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

A debt collector thats furnishing a collection to my consumer report is in violation of 15 USC1692d ( 4 ) which is engaging in unlawful extortionate activities. 


Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies again are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 


Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 


Please understand debt collector has no lawful standing according to 15 U.S. Code16921 ( b ) Please understand this is also aggravated identity theft 18 USC 1028A.

Lastly, 15 USC 1692c ( a ) states debt collectors shouldnt be contacting me if I didnt give prior consent.

Im requesting to have this alleged trade line debt to be removed effective immediately from all CRAs

Company response to consumer: Closed with explanation