vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX- {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa 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 2022-11-03 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: MI

Complaint narrative:
I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the possibility that fraudulent accounts may have been recorded on my consumer file. Since I didn't know how the accounts got there or anything about them, I urged them to erase them. I was given the go-ahead by all three companies to file the necessary documentation and finish the FTC report XXXX I sent my letters by certified mail on XX/XX/XXXX. Despite the fact that the accounts are not mine and had been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' Since it hinders my family and I from making purchases, this issue has me perplexed and annoyed. I contacted all three businesses once more on XX/XX/XXXX and inquired as to how they could confirm that these accounts belonged to me. They merely told me to get in touch with the creditors directly and said they couldn't help any further. When I tried to contact each creditor who had been falsely claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had exhausted all of my alternatives, so I turned to the CFPB website, which some of my friends had suggested I check out in my predicament. Since my family and I are attempting to submit an application for a house, I genuinely hope that this is useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2022-11-03 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: NY

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2022-11-03 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In accordance to the Fair credit reporting act This creditor ( Bridgecrest ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX conti The last WF rep did not return my XXXX return calls. 

ext XXXX XXXX XXXX. 

XXXX XXXX never called back. 

For the record. 

Loan should have never been initiated, the in house WF loan officer pressure me to close the loan, threatening litigation. XXXX XXXX XXXX can easily be found on linkedin https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The builder has since gone bankrupt. XXXX XXXX XXXX XXXX XXXX  The term of the loan were made very difficult and I asked for some leniency that was denied. 

I eventually closed out the loan sold the property. 

WF sent me a XXXX XXXX and an apology for their fraudulently behavior and pretended that it was due to inappropriate issue related to a CHECKING account linked to the HELOC loan. The Checking account is only a diversion from the issues. 

WF has offer to resolve the issues in mediation. Round one claimed that I accepted resolution for all issue when only issue discussed during mediation was the checking- very unhanded.

So please have WF mediate the real issues and compensate for their fraudulent activity as it relates to the HELOC Loan. Thank you

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 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Covid 19 happened. I lost over 75 % of my clientele and am trying to recover after having Covid multiple times. They told me they were going to charge the vehicle off. They never did and continue to call harassing morning noon and night. I'm tired of them calling. I told them if they want the car come knock on the door and I'll give them the keys. But, what they won't do is steal it. It's till my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
XXXX account XXXX Inaccuracies among the reported lates between the XXXX bureaus. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
XXXX account XXXX Inaccuracies among the reported lates between the three bureaus. 

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 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 explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello my name is XXXX 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 7 months to no available. I have been disputing this/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 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 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted Aidvantage to request a refund of {$19000.00}, all payments made after XX/XX/XXXX. I received verbal confirmation on the call I would receive a refund within XXXX weeks using the payment method I paid each payment with ( which were all from the same account via ACH ). On XX/XX/XXXX, my account balance updated on Aidvantage 's website, with XXXX payment missing from my history. I called on XX/XX/XXXX to inquire about the missing payment, and they said it was showing up on their end and due to " site maintenance '' it was missing. It still has not shown up on my end. I was also told that I could now expect to receive my refund after XXXX weeks, and they are unceratin if I will be receiving a paper check or a deposit. Even though my Federal Student Aid dashboard shows my loans amended, and my credit report reflects a higher loan balance, I am still without my refund after being told XXXX weeks initially. Representatives can not tell me when or where my refund is, and refuse to provide any written confirmation of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I have a judgement that Velo law office say is a medical debt. They have garnished my wages. I was served a summons in XXXX of 2022 and contacted them asking for copies of said medical bills. They will not give them to me. I have furnished the request both in writing and verbally. They claim that they have never gotten any written communications. I have asked this for months. My employer paid half of this off and I the other half. But they haven't closed the account it still is growing interest and now they are requesting another {$100.00}. I again today asked verbally for the case in its entirety to be sent to me she asked for me to put it in writing and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
At the time I was homeless and living out of my car. Had all my personal information in there and someone XXXX XXXX XXXX XXXX  They were able to use my debit card and do all kinds of fraud transactions. I filed the police report immediately but did not have access to a phone. I spoke with the bank and they denied my claim I provided further information such as the police report and even had them speak with XXXX about my situation and they confirm that it was fraud. But they still denied my claim.

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 monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX totaling to {$900.00} were paid to XXXX XXXX XXXX via XXXX deposited to an account they had in Wells Fargo. Turns out the school had closed their account, and the XXXX  that were paid from XXXX of my banks were never returned to me from Wellsfargo. 
XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$260.00} The school confirmed they closed their account, however I was not aware. I've contacted Wellsfargo, however since I don't have an account they say they can not help me. The school went to Wellsfargo and they stated Wellfargo told them they don't know where that money is. I contacted the XXXX, they were not helpful at all. I have been trying to get my money back for months now. I have letters from my banks stating the dates the amounts were debited from my account and credited to the account in Wells Fargo. They even provided trace numbers. I really need 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 2022-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the possibility that fraudulent accounts may have been recorded on my consumer file. Since I didn't know how the accounts got there or anything about them, I urged them to erase them. I was given the go-ahead by all three companies to file the necessary documentation and finish the FTC report XXXX I sent my letters by certified mail on XX/XX/XXXX. Despite the fact that the accounts are not mine and had been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' Since it hinders my family and I from making purchases, this issue has me perplexed and annoyed. I contacted all three businesses once more on XX/XX/XXXX and inquired as to how they could confirm that these accounts belonged to me. They merely told me to get in touch with the creditors directly and said they couldn't help any further. When I tried to contact each creditor who had been falsely claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had exhausted all of my alternatives, so I turned to the CFPB website, which some of my friends had suggested I check out in my predicament. Since my family and I are attempting to submit an application for a house, I genuinely hope that this is useful.

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 2022-11-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account XXXX : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns 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 explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX USDOE/XXXX Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  # XXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # 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