vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: MS

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXXT XXXX XXXX opened XX/XX/XXXX for {$1400.00}, XXXX opened XX/XX/XXXX for {$11000.00}, XXXX XXXX opened XX/XX/XXXX for {$3600.00}, .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN XXXX XXXX AND XXXX XXXX CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-03-24 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

XXXX. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

XXXX. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX SUNSET PL XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security XXXX, CFPB, FTC, Police Report. 




______________________________ ______________________________ XXXX XXXX DATE

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 2022-03-24 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 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 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 2022-03-24 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: CA

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied a lease buyout auto loan from XXXX. When XXXX try to pull my credit. They unable to pull my credit score. Im been back and forward calling XXXX and equitably. Nothing can be done. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to Experian, XXXX & XXXX XXXX XXXX have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.

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 2022-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I own two Wells Fargo lines of credit. In XX/XX/XXXX, Wells Fargo sent notices to customers of this product stating it would close zero balance accounts unless customers drew funds from their lines of credit by the end of XXXX. In order to keep my lines of credit open, I drew nominal amounts ( {$50.00} and {$65.00} respectively ) from these accounts. Now, I used to have an automatic payment set up for these accounts. Perhaps, due to dormancy, Wells Fargo deleted those automatic payment schedule. As a result, I received notices in XXXX stating I had late payments and fees of {$26.00} on each accounts. I immediately called Wells Fargo. After countless redirects, I spoke to someone who understood the issue supposedly and agreed to remove all late fees from my accounts. However, they failed to follow through and only removed one fee from account A. I paid the underlying balances on both accounts on XX/XX/XXXX, and continued to follow up with Wells Fargo regarding the promised removal of the late fees. 

During months of disputing these fees, Wells Fargo reiterated their mistake multiple times and their agreement to remove them. On XX/XX/XXXX, they finally removed the last fee from account A. However, they somehow failed to do the same on account B again! I emailed them immediately on XX/XX/XXXX yet again, and they apologized for the oversight, but it took until XX/XX/XXXX to remove the fee from the account B. 

In the meantime, despite the ongoing dispute over the fees that began in XXXX and my payment of the initial principal that was not in dispute, it appears Wells Fargo had been reporting my non-payment to all credit bureaus at least since XX/XX/XXXX. My score has tanked from XXXX to XXXX solely from their reporting on these two disputed {$26.00} fees. I discovered this issue only today, XX/XX/XXXX, when my credit union stated I was no longer in the preferred category for car loan rates. 

I have complained to Wells Fargo to ask them to reverse their reporting to the credit bureaus, but Im lodging this complaint because I no longer trust them to follow through and feel there needs to be a backstop on their accountability.

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 2022-03-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed these inquires over 1 month ago. I did not authorize the following transaction XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 *XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Inquiry date : XX/XX/2020 *XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 *XXXX XXXX XXXX  Inquiry date : XX/XX/2020 *XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXXnquiry date : XX/XX/2020 I noticed that they remained on my report after the issue was disputed the credit reporting agencies are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I advised them in my certified letter that I didn't initiate these transactions and want these inquires removed from my credit report. I don't recall and as per FCRA the consumer reporting agencies are in violation of ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
I am seeking a home loan and this is ruining my credit reputation and causing higher interest rates.

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 2022-03-24 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: IL

Complaint narrative:
I opened a dispute regarding a bankruptcy on my credit report with Equifax many times since 2020 and they continue to close out the dispute within a couple days, stating that it has been verified. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : //equifaxconsumers.XXXX  I also sent the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Equifax via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Equifax today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and the person I spoke with, told me that the dispute was opened and is already closed ( Confirmation # XXXX XXXX XXXX ). He said the notes in that dispute simply state that bankruptcies stay on a report for 10 years. This shows that Equifax doesn't do any actual investigations and the person I spoke with also confirmed that he saw my letters and Equifax still refused to do any actual investigation of their own. He said there was nothing he could do except open another dispute ( Confirmation # XXXX XXXX XXXX ). 

This needs to be deleted from my credit report if they can not verify the bankruptcy within 30 days. The OCR and E OSCAR verifying this info is not recognized as proper validation.

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Equifax if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Item purchased on XXXX. Seller used a label outside of XXXX to purchase a label in the same zip code and put it as delivered. XXXX was taking a long time to process refund do i filed one on paypal credit card Synchrony bank. 3 times filed and no results noone called me just closing the case. Label was purcased for a light item XXXX XXXX delivered to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX rep called synchrony and gave all information on 3 way call. I ordered XXXX XXXX  not XXXX. XXXX says synchrony should mske them to refund the money however XXXX is not admitting synchrony that fraud existed and item was not delivered

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I received a notification that medical debt has been placed with Radius Global Solutions. Ive been making payment to these debts and have paid two of the three off. I have not gave consent to have my protected healthcare information to be released to Radius Global Solutions and it is a violation of my HIPAA Rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-24 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: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK
State: KS

Complaint narrative:
The bank processed all the payments I made on one day twice the day of XXXX, take hundreds of dollars extra and leaving my with a negative balance on XXXX. Went to the cafe to purchase my lunch and had my card declined leaving me to return everything and hungry. I called and found it was their mistake, but little care for the problems i faced due to their error and had no controller or action i could take. The best they could do is fix it by the end of the day and return any fees, no offer to help buy my lunch

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota financial fraudulently reported me to a credit agency and withheld critical information in their original response to my complaint they provided to you. The recording of my calls to Toyota Financial will support my version and the fact that their response to you intentionally withheld pertinent facts to their fraudulent reporting.

The final payment for my lease with Toyota Financial was due in XXXX of XXXX. As we were planning on buying out our lease, we did make the payment until we could confirm the total buyout amount. 

On XX/XX/XXXX I contacted Toyota Financial requesting the buyout amount. During that call, the representative informed me that I had an outstanding payment and asked if we hadnt paid due to our plan to buyout the lease. When I confirmed that plan, he waived our late fee and rolled the final payment into the total buyout amount. There was no mention of me needing to make that payment outside of the buyout in order to avoid being reported to the credit agencies. I was told Toyota needed to receive the buyout by XX/XX/XXXX. Please ask to hear the recording which will support my description of the call. 

Once I received the buyout package, I obtained financing and sent the check and documents to Toyota. This package was tracked and received by Toyota Financial prior to XX/XX/XXXX. 

I called Toyota Financial back 10 days after my initial call which was also after they received the package with my check. I asked if there was anything additional that I needed to do. I was told that I would hear from Toyota if there was anything needed. I was not asked to make any additional payments or warned about being reported. Please ask to hear the calls recording to support my version above.

Questions for Toyota Financial to answer. If they cant, then their actions demonstrate fraudulent reporting I am accusing them of. Why would they include the final payment in my payoff amount if they expected me to pay outside of the payoff? Were they expecting me to knowingly request an incorrect financing amount from my FI? If they reviewed my call notes and listened to the recordings, why did they withhold the points I raised in their response to my complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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