vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo, thru Early Warning Systems, reported me to SSA as owner of three XXXX business accounts for the XXXX XXXX XXXX XXXX XXXX stating that I had under reported my assets. Consequently, Social Security Administration declared that I had been over paid the amount of money in the three accounts and withheld XXXX $ a month from my Social Security check for nearly FIVE YEARS> Wells Fargo discovered their MISTAKE in XXXX but did not inform me or Social Security until XX/XX/XXXX. The letter that Wells Fargo submitted to SSA was declared NOT SUFFICIENT for Social Security to return the money they withheld because of the false debt that Wells Fargo created in my name. I have been pleading with both Social Security and Wells Fargo to return the money to me. The willful reporting of me as owner of those accounts rather than just a co signor by Wells Fargo created years of hardship and lack, and their refusal to do the right thing has exacerbated my XXXX XXXX XXXX XXXX over and over again, each month as I had to decide whether to pay the bills and forego buying groceries and doing laundry, or any other scheme to offset the debt that's falsely assigned to me and then denied by Wells Fargo for the past 6 years. It is only since XX/XX/XXXX that they have even admitted any responsibility in creating this hardship for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

Dept of ED Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 2022-05-27 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I am a victim of Identity theft and I have reached out to XXXX, XXXX and XXXX and the companies have yet removed the inaccurate information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

Dept of ED Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 non-monetary relief
Consumer complaint received 2022-05-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights.

Dept of ED Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/XXXX we contacted Nissan Motor Acceptance Company to negotiate a settlement of XXXXXXXX XXXX delinquent car lease agreement. We spoke to XXXX and she said that the collections balance of XXXX had been referred to XXXX XXXX XXXX XXXX. So we contacted this company at XXXX and they confirmed they were collecting on behalf of Nissan Motor Acceptance Company. The stated that they could offer a settlement amount of {$2800.00} to consider the account satisfied. We requested this offer in writing and they sent it to XXXX that same day ( she received it in the mail a few days later ). XXXX sent a cashier 's check in the above amount via certified mail to the address for XXXX XXXX XXXX XXXX listed on the letter on XX/XX/2022. Then on XX/XX/2022 XXXX received a statement from Nissan Motor Acceptance Company attempting to collect the remaining balance of the original {$7000.00}. This is incorrect because the amount she sent was accepted in settlement of the debt and all collection activities were to cease. I, XXXX XXXX, am submitting this complaint on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed.

They have also gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
in accordance with the fair credit reporting act # XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
I have filed a identity theft ftc report because I found inaccurate accounts on my credit report and nobody is helping me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I received unemployment back in XX/XX/XXXX. Recently just gained access to my account XX/XX/XXXX. I noticed someone stolen my card and activated it and my fraudulent transactions. I put in a dispute and it was denied a few days later. Bank of America has broken the laws and didnt treat me fairly. Over $ XXXX in stolen money and they wont do anything about. I will be getting an attorney general. Ive done everything theyve asked and still havent got help. Ive heard several same stories about this and Bank of America should be sued. I never even activated my card and my claim was denied. Lets me know no one actually paid attention and care about bum claim. By law if its a fraud claim I should atleast get provisional or taken more seriously. Bank of America is a fraud bank and they might be the ones that stole my money. Ive heard the same from several others too. I filed a police report also. Still no help. Not even from them

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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a bank account with XXXX. The following day I go to a different branch, and the manager kept looking at us. We told her we wanted to open a business account and to add my boyfriend with my personnel account. When I gave her the fax number she said I couldn't open the business account because my business was in XXXX  and I lived in XXXX. The manager told me there was another account under my name. I was a victim of identity theft. The manager said she added my boyfriend to the account. We went to the teller to deposit the machine, when we get to the front of the line, they really looked at the money as if something was wrong. My card was declined. I told her I was a victim of XXXX  XXXX and they wanted to know if I had any reports. I sent all the information that they needed. She said they opened the accounts and added my boyfriend. I tried to use the card and it was restricted. The next time I went to the back to deposit the money and when I walked out of the bank the card was restricted again. The called me and told me they were sorry and lifted the restriction. I received a check from a bill of sell and went to the bank to deposit the money. They said they would call and let me know when it is deposited. Two hours later, a call said the check was going to be returned. Today, I tried to use my card and they restricted my card again because they think I am doing check fraud. I have never over drafted my account. They have closed my account and I don't understand why they are holding my money. I have done nothing wrong.I been trying to get my funds and they keep saying no and when I ask for a reason they cant give me one I been discriminated by this bank over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX opened a credit card for XXXX XXXX Using my social security number ending in XXXX My legal name is XXXX XXXX XXXX of {$740.00} XXXX XXXX XXXX XXXX XXXX  Open account XX/XX/XXXX XX/XX/XXXX {$740.00} XX/XX/XXXX {$740.00} Individual account Comments : Placed for collection Contact Information : XXXX / XXXX. 
XXXX  RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-05-27 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I would appreciate your assistance in investigating this manner within the next 30 days. As required by the FCRA, if you fail to do so all aforementioned information/disputed items must be deleted from report. Account CCB/ XXXX account number XXXX your company has failed to present any date on the account but yet your company is reporting that the account is in collection/ charge off debt purchased by another lender. There seems to be some discrepancy in the last active XXXX reports it on XX/XX/XXXX but XXXX is reporting the last date of activity was XX/XX/XXXX. Which is confusing because your also reporting the last date of payment was in XX/XX/XXXX on an account that has been open since XXXX. 
I've tried to reach out the the creditor but as of XX/XX/XXXX XXXX filed for XXXX  XXXX bankruptcy. To resolve this issue. If you do not initiate an investigation regarding the mater under the fair credit reporting act I will have to take legal action to protect my credit rating which I'm owed up to XXXX dollars. 

In addition please send me an updated credit report reflection these changes have been made. I look forward to an expedient resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
I have filed a identity theft ftc report because I found inaccurate accounts on my credit report and nobody is helping me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
I have filed a identity theft ftc report because I found inaccurate accounts on my credit report and nobody is helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I submitted XXXX dispute to Experian for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted disputes before with this company for these same accounts. According to law 15 U.S Code 1681i ( a ) ( 1 ) ( A ) these accounts are suppose to be removed from the consumer report while under investigation. Also, both of these accounts have proven to be inaccurate, which states in 15 U.S. Code 1681i ( a ) ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Experian hasn't done either one which makes them in violation of the law. I have attached evidence along with this complaint.

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 2022-05-27 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act 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 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 as late for any purpose.

Company response to consumer: Closed with explanation