vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Opened a secured credit card at Wells Fargo with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called Wells Fargo, all 3 credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
In XX/XX/2022, I received a copy of my credit report. There was a collection Account from Credit Collection Service. I have never received written documentation About this debt, didnt receive notice of right to dispute and Didnt receive any information about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NJ

Complaint narrative:
I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from equifax, XXXX, and XXXX  that Equifax was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and 3rd party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, equifax, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent Equifax multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via usps certified postal mail on XX/XX/2022. Equifax has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that Equifax no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my Equifax credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand Equifax stop violating the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please remove all fraud alerts and security alerts now!

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please remove all fraud alerts and security alerts now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: SC

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. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: SC

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. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

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 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a Victim of Identity Theft both from my Driver License & Social Security card that was stolen twice and fraudulent accounts were open. XXXX also confirmed that my name and Social Security have been compromised. With both Crimes that occurred against me that lead to many fraudulent accounts opened under my name. TransUnion has received my FTC & IDENTIFICATION Theft Police report. As per section 605 B FCRA TransUnion is currently reporting an account from XXXX XXXX with a balance around XXXX that is fraudulent. TransUnion is not cooperating with the FCRA 605 B and are currently not in compliance with the FCRA law. I have to note that I have hired a FCRA attorney. He is advising that I file this complaint so a paper trail is present.

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 2022-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I called in XX/XX/2021 to pay my student loan off I asked 4 times on a recorded line can you make sure this is the correct amount and the insured me that {$1700.00} was my remaking balance that was old to close the debt. 
2 to 3 months later the added {$45.00} to my bill how and why when I called the company spoke to a supervisor and thats the total I was giving. 
They need to remove the {$45.00} because I paid what balance was giving to me and I need this removed off my credit its there responsibility to let the consumer no the entire amount including all fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS AND REMOVE ALL SECURITY ALERTS NOW!

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

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 2022-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a billing error dispute against Capital One Auto Finance for failure to deliver periodic statements to my address on file for the months of XXXX and XX/XX/2022. Per my phone conversation with Capital One Auto Finance 's representative ID : XXXX on XX/XX/2022, Capital One Auto Finance did not send me a statement between XX/XX/2022 and XX/XX/2022 causing me to receive a Notice of Default in the amount of {$820.00} with late fees. My concern is that Capital One Auto Finance has already reported me to a Credit Bureau and thus negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: FL

Complaint narrative:
I have XXXX XXXX XXXX showing a negative payment in XX/XX/XXXX. This account was closed in XXXX of XXXX, and was never paid late. The payments were deducted from my payroll weekly and the support order was terminated due to shared custody. 

I have disputed the item numerous times and sent the payment history to Experian. It still has not been corrected on my credit report. 

I have attached screen shots from Experian, and a copy of the payment record from XXXX County Clerk of Courts.

Thank you, 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 2022-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: AZ

Complaint narrative:
DEBT WAS AROUND XXXX I WAS CALLED BY THE FBI THAT SOMEONE HAS ACCESS TO MY SOCIUAL SECURITY NUMBER AND THERE XXXX A XXXX HOUSE THAT HAD SEVERAL AUTO VEHICLES WITH PLATES REGISTERED WITH MY NAME AND SOCIAL SECURITY NUMBER IT WAS FOUND IN A XXXX XXXX IN TEXAS THEY TRIED TO LET HER KNOW WHAT WAS GOING ON SHORTLY THEREAFTER SHE WAS CONTACTED BY HER WORK THAT HER PAY WAS BEING GARNISHED AND TRIED TO CONTACT THE XXXX  TO SEE WHAT WAS GOING ON AND THEY WOULDNT TELL HER ABOUT THE DEBT SHE DOESNT OWN A CAR AND HAS NO CAR LOANS THAT SHE HAS TAKEN OUT IT WAS FRAUD BUT SHE WAS UNABLE TO INVESTIGATE IT BECAUSE SHE WAS POOR AND HAD NO RESOURCES SO SHE SPENT ALL OF THE HARD EARNED MONEY THAT SHE HAD TO FILE A BANKRUPTCY.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-30 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 reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX/ XXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 late for any purpose.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022. I noticed {$11000.00} in fraudulent ACH transactions on my capital one checking account. I contacted my bank, and started my claim. 10 business days later they granted me a temporary credit for the {$11000.00} that was missing. I was told that the credit could be deducted from my account if the claim was not found in my favor. 

On Friday XX/XX/2022, I received an email from my bank that stated : The provisional credit is yours to keep and your dispute 's now closed. 

On Tuesday the XXXX of XXXX I received a new email stating : Our research didn't find any errors, so we closed your dispute. We'll remove the provisional credit of {$11000.00} from your checking account on XX/XX/2022. 

On XX/XX/XXXX I called capital one and asked what was going on. They asked if I could forward them the email stating the credit was permanent and I did so. I was told I would get a response within XXXX business days. 

I do not get any reply. So I call them again on the XXXX of XXXX. They inform me on a recorded line that in fact they looked into it and I will not be charged the {$11000.00} and that my claim is closed and the credit is permanent and that should be the end of it. 

On the XXXX of XXXX. {$11000.00} was deducted from my capital one checking account. 

I call them again. And they tell me that there is nothing they can do. That a mistake was made and they gave no way of fixing it. 

I feel as though they unlawfully deducted this money based on the fact that the credit was no longer temporary after they stated it was mine to keep in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My escrow got messed up during a process of having to get a new insurance company because the current company went bankrupt, which is no fault of mine. I contacted nation star a.k.a. Mr Cooper about the issue because my mortgage payment more than doubled and they stated to me I could pay my current mortgage until I got the checks back from insurance companies deposited in the escrow, then it would balance out in the monthly payment would be fixed. I did exactly that calling them every month which was two months to pay the payment expressing to them I did not want to have a delinquent account or anything on my credit report and they assured me that I was fine, wrong now my credit dropped drastically because now I have a delinquent account on my report and now having a hard time refinancing because I follow their instructions. Then they told me I had to pay a large amount to defer the account going delinquent and I did and I still got flag for a delinquent account please help me get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Im locked out of my business account and Im not 100 % sure how to get back into it Bank of America business doesnt 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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS AND REMOVE ALL SECURITY ALERTS NOW!

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS AND REMOVE ALL SECURITY ALERTS NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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 Account 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 but 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 explanation
Consumer complaint received 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit report they have on record for me has been reporting miss information. 
All the account have been charge off but they are being reported as opened. I have been disputing for the last six months ago. Trans union has refused to remove these defamatory information of my credit file. By refusal to remove inaccurate accounts, Trans Union is in violation of the fair debt collection practices act.My complete report is wrong they have been ask to delete all items.To add injury to insult they are sending this info to XXXX, Equal Fax due to inaccurate reporting by trans union. I have been victim multiple times of identity fraud. My lates police report # 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