vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( 3 ) credit bureaus immediately as it is inaccurately reported on my credit file.

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 2022-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( 3 ) credit bureaus immediately as it is inaccurately reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-09-24 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: PA

Complaint narrative:
Transunion recieved personal information and reported it on me from a company called LCI- I've contacted LCI many times to opt out of there services but they just keep asking me to leave a message an nobody gets back to me. I have never given LCI or Transuniuon Permissible purpose to report anything on me. I've emailed LCI to cease there illegal reporting on my violated my consumer rights. This is tstopping me and my children from Purchasing a home and we may soon be homeless please 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 2022-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and 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 : 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 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX I received an email stating that I had opened an account at Bank of America. I had not opened an account personally from them and I do not have any information about who has opened an account in my name. 

Over that day and today ( XX/XX/XXXX ) I have received more emails saying that information has been changed. I have information to go on and now I am worried about potential long-term credit and banking fraud. 

I was not able to connect with anyone from Bank of America in person, only through automated services. No one is willing to communicate through phones. The only one who has communicated with me is Bank of America through their XXXX, which is completely unacceptable and I'm unsure whether or not they are real. 

The " person '' on XXXX said that they will take care of it, but they have not given me a claim number or a confirmation that the account has been closed.

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 2022-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wellsfargo Bank claimed to have mailed me a cashier 's check for {$230.00} on XX/XX/2017, in which I never received. I filed an affidavit regarding check # XXXX and Wells Fargo Unclaimed Property department replied that they received my inquiry but never got back to me any further about replacing the check.

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 2022-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Freedom Mortgage Company - VA Loan # XXXX House purchased in XX/XX/XXXX. 
XXXX - Covid-19 Forbearance started. 
XXXX - Covid-19 Forbearance extended. 
XXXX - Approved for Covid-19 Refund Modification XXXX - Received 2nd approval for Covid-19 Refund Modification XXXX - Loan Modification documents were executed. 
XXXX - Executed Loan Modification documents uploaded to my account by Freedom Mortgage. 

The reason for the gap in time from approval for the Covid-19 Refund Modification and the signing of the documents is because Freedom Mortgage kept spelling my wife 's name incorrectly. It took 5 months and five separate sets of documents for them to spell her name correctly in the body and on all signature lines, despite having the title to the property in their possession and receiving several emails and phone calls telling them how to spell her name. 

As of today 's date, XX/XX/XXXX, our loan is still listed as in loss mitigation. I was told that it normally takes two weeks for a loan modification to be entered into the system and the account to be updated. I understand that due to Covid-19 the volume of modifications, foreclosures have increased significantly while the staff numbers have gone down, so two weeks would have been a miracle, but four months to update our account. During the time our documents were being created and created and created, I received a default notice. After the execution of the documents, I again received a default notice. I am sure my credit is being affected. 

I have called repeatedly. I have emailed repeatedly. I have been told that my case will be escalated. I have been promised return phone calls. Yet, my account is still in loss mitigation. Calls do not get returned. Escalation never goes anywhere. No one nowhere can tell me anything. 

Now all of this is interfering with my ability to obtain an equity investment in my property for a remodel project and upgrades to the property. All the equity company is waiting for is either a letter stating that my mortgage is current or an actual mortgage statement. However, I can not obtain either ... .. Freedom Mortgage can not write a letter stating that my mortgage is current, because it is in loss mitigation, but they can not tell me why it is still in loss mitigation when we have executed a loan modification. And I can not provide a current statement to the equity company, because the current statement shows I am in arrears for funds that would part of the modification. It has become a vicious vicious circle that is affecting my family negatively. I just want it fixed.

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 2022-09-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I XXXX XXXX is Reaching out to the Consumer Financial Protection Bureau on XX/XX/2022 to Raise a formal complaint against Equifax Reporting Agency. Equifax is reporting false and misrepresentation information on my Credit report I have reached out and disputed these accounts that are reporting false and misleading information to my report this is a direct violation of regulation F XXXX. The three accounts are as follow * XXXX -Violating code 15 u.s.c 1692f and Violating code 15 u.s.c 1692d Harassing and sending old bills out on a closed and charged off account thats been closed this account in now involved in litigation document will be attached. 

* XXXX XXXX Violating code 15 u.s.c 1692f and Violating section 807.this account is also involved in litigation document will be attached. 

* XXXX XXXX XXXX Violating Code 15 u.s.c 1692E this account is committing fraudulent activity on this account I have a XXXX  account only on and it is in accurate and active there is no way that I can have to XXXX accounts this company has been reporting fraud and this account will also be involved in litigation. 

I am requesting that these account be removed from my credit report immediately for the violating codes or this reporting agency will be involved in litigation and I will be forced to testify as a victim of Equifax reporting wrongful credit score to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2022 I contacted Ally Bank to request a payoff so I could buy out my vehicle lease. They told me they could not provide this information, that I would have to contact the dealership ( XXXX XXXX of XXXX XXXX, FL ) where I bought it because they can't sell it to me directly. I contacted the dealership and they were willing to give me a payoff amount ( which they received from Ally Bank ) but said they could not give me the taxes, fees, etc. and that they would not help me with the buyout with Ally because " Ally would require us to break Floridas anti discriminatory laws ( they ask us to charge their customers different fees ) and we will not break the law for anyone. '' They directed me back to Ally for a list of dealers to help facilitate the lease buyout. I contacted Ally and they said they don't have a list of dealerships in my area. This activity is in direct violation of the terms of my lease and laws regarding interstate commerce. Neither party wants me to buy out my lease because used vehicles are going at a premium right now and rates are going up. Their actions are causing me real financial and material harm.

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 2022-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX XXXX XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I called Wells fargo right away, they said they gave me 3 referance code, but they closed the case in 3 or 4 days. They told me that It's like I gave them cash, so I can't get my money back.

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 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Franklin Collection Services is attempting to collect {$280.00} dollars from me for something from XXXX XXXX XXXX but I have never had anything from XXXX XXXX XXXX.I disputed with XXXX but they unmediated resolved the dispute saying I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA. 

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: MD

Complaint narrative:
Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA.

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!

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 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The alleged debt is being reported by XXXX XXXX XXXX  XXXX claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im in fact owed money. I stated this to the company as well. Iam requesting a full description of the procedure of reinvestigation once completed. I demand that the negative mark be removed from my credit report immediately.

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 2022-09-24 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-09-24 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: Early Warning Services, LLC
State: MS

Complaint narrative:
I requested my credit score and ''file '' from Early Warning with a certified mailed letter and a domestic return receipt. In my letter I gave Early Warning proper identification up to the Fair Credit Reporting Act requirements and Early Warning denied me my requests because they wanted me to send my social security number to them for more information. Early Warning is a consumer reporting agency with an assumed role and using manipulation tactics to get credit card information ( my social security number is a credit card according to Federal Law ). Early Warning has violated my consumer rights. As of now Early Warning is in violation of XXXX USC 1681g ( a ) ( 1 ) and The Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and 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 : 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 2022-09-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and 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 : 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 2022-09-24 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: NY

Complaint narrative:
I am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Group Inc.
State: NV

Complaint narrative:
United Finance sued my brother in law and I for the remaining balance on loan and won. My brother in XXXX XXXX XXXX had his wages garnished and the monies were paid in full. XXXXXXXX XXXX stopped garnishing wages because it was paid in full. United finance has been asked to change terms of loan on credit but are stating they havent received payment. They have not contacted anyone to follow up with where there payments are and we have completed our due dilligence on payment. Please ask United finance to contact XXXX and find out why they havent gotten payments or where they were sent to. I want this off my credit report asap!! It has been paid. I have no way of contacting XXXX since it is not my employer. Thanks

Company response to consumer: Closed with explanation