vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: FL

Complaint narrative:
Both Experian and XXXX have acted on a fraudulent report from XXXX XXXX XXXX without performing any due diligence to lower my credit score by about XXXX points. When I called the organizations to dispute the charges, both organizations state they need 30 days to restore my credit even though I have the overwhelming evidence to prove the amount XXXX is stating I owe is fraudulent. It is unethical that the organizations will instantly drop a consumer 's credit score but will not restore it until after they complete their " investigation. '' Further both Experian and XXXX are attempting to circumvent the the Federal Fair Credit Reporting Act ( FCRA ) by preventing customers from reporting and providing evidence to dispute fraudulent charges. Experian does not list the correct phone number for customers to call to dispute the charges. Their listed dispute phone number XXXX does not provide customers a way to speak to an agent. The correct number is XXXX which is hidden. For XXXX, a customer can easily call in a dispute however they provide no easy way for a customer to submit supporting documentation. They request all evidence to be mailed to them via snail mail like it is the early 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 explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Today the car was repossessed and Ford credit is not giving the opportunity to pay the passed due amount to reinstate the lease I made a payment of XXXX on XX/XX/XXXX the payment each month is XXXX, because of it being less than what 2 months is totaling they said they dont accept partial payment s, this is news to me. They didnt credit or refund the money then? They are refusing to work with me during this difficult time. I would appreciate any help to reinstate the lease. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I made a dispute about the XXXXXXXX XXXX account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you 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 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. XXXX published potentially negative major derogatory information on my credit report. 
In XX/XX/XXXX I contacted them and requested a copy of the complete original agreement I completed in my own handwriting at the time of purchase. This information would include, my name, ADDRESS, telephone number, social security number. 
They responded by sending me a computer generated pricing addendum, credit card agreement and statements all with an ADDRESS that I had not lived at for five years. 
I NEVER RECEIVED THEIR BILLING. 
I called them repeatedly and rewquested what I am requesting now and even spoke to them on the telephone several times and they refused my request. 
I even told them several times that I had sold that house in XX/XX/XXXX and that the county Resgistrar of Deeds can verify that fact. 
I also stated that I had been using my Post Office Box for my address since XX/XX/XXXX. 
Can you please assist me in obtaining the original handwritten document I completed at the time of my purchase in XX/XX/XXXX. Thank you for your time and courtesy.

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 2021-11-18 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 am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, XXXX, and Transunion from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information.

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.

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 2021-11-18 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 am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, Equifax, and XXXX from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information. 

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I made a credit card settlement agreement with Wells Fargo to make XXXX payments of {$1100.00} on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( this settlement was based on 30 % of my outstanding debt ). Those XXXX payments would have completed my debt settlement agreement. 

On XX/XX/2020, I checked my credit report and noticed the Wells Fargo debt was still on the report. I called Wells Fargo on that day to find out why. Wells Fargo claimed I provided an incorrect checking account number when I updated my payment method on XX/XX/2020. 

The Wells Fargo agent said Wells Fargo received an account does not exist error message from my bank ( XXXX XXXX ) and that my third and final debt settlement payment was never processed. 

Wells Fargo claims I provided an incorrect checking account number. Ive repeatedly asked for a transcript or to listen to the recording but they refuse to do this. 

I was never notified by Wells Fargo that my final payment did not go through not by phone, text, no voice mail, or USPS mail. I can prove with my XXXX XXXX  statement that I had sufficient funds to make the payment. I can get it notarized if necessary. 

By the time I contacted Wells Fargo, on XX/XX/XXXX, I was told by a Wells Fargo agent that I had just missed the 30 day window to correct my payment method. I was never given the opportunity by Wells Fargo to make the correction. The agent told me I should have been monitoring my checking account to make sure the final payment went through. 

I also never received a letter by USPS mail or by email confirming the terms of the settlement agreement. 

| Various Issues | After filing a complaint on XX/XX/XXXX, I discovered Wells Fargo had my mailing address as XXXX XXXX XXXX, XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX. After XX/XX/XXXX, It took over XXXX months to get Wells Fargo to correct my mailing address and Ive documented the various times I asked them to correct the address. 
-- -- -- -- -- I've spent hours on the phone with Wells Fargo over the year and I created a timeline of my conversations which I presented to a bank manager at a Wells Fargo branch. She used the timeline to file a complaint on my behalf.

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 2021-11-18 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: TN

Complaint narrative:
Experian, XXXX is verifying a bankruptcy falsely. 
Companies have been verifying through thrid party agencies in which XXXX XXXX have sent myself and each reporting agency copies of my report verifying that i have no bankruptcy. I also have documents directly from court house. 

My question is who is holding these credit agencies responsible when they break these laws in place. 

FCRA laws every consumer reporting agency must have the written consent of the consumer to furnish information and they do not have any written consent form me to furnish anything to their systems this problem keeps gettin ignored despite my evidence being presented which in turn s make me resubmite everytime it gets closed out.

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 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/21, I was unlawfully discriminated against and denied my RIGHT to extend credit pursuant to 15 U.S. Code 1691 ( a ) ( 3 ) as I in good faith I exercised my right to extend as well as grant credit as the original creditor using my credit card number ( social security card number ). Inaccurate information was also obtained from a credit report in connection to the denying my natural right, which is in fact a violation of 15 U.S. Code 1611. Notice it is a fact, I, the consumer is aware social security card is a credit card pursuant to 15 U.S. Code 1602 ( I ) as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, it is also a fact, I the consumer is also aware the term credit means the right granted by I, the original creditor, to a debtor defer payment of the debt pursuant to 15 U.S. Code 1602 ( f ). Last but not least, I, the consumer, am aware pursuant to 15 USC 1602 ( g ) the term creditor refers only to a person, meaning not the organization but the natural person, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which maybe payable on the face of evidence of indebtedness such as a contract or by agreement. We can resolve this issue by by allowing me to extend my credit without discrimination, to obtain the consumer credit product your company has to offer.i do not want to take this case any further as their isnt ant reason for me to be denied something that is paid for by my credit card. Please contact me as soon as possible. I'll also be contacting the Consumer Financial Protection Bureau about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I called this company XXXX XXXX XXXX due to receiving a garnishment. Once I got nowhere with the agent I asked to speak with a manger and I was very upset, I agent laughed at me and never transferred me to a supervisor after I asked him repeatedly.

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 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NPAS, Inc.
State: TN

Complaint narrative:
The collection agency contacted me and never verified any information to verify they had the right person before they rambled off personal information. This account needs to be closed and removed from NPASS Solutions due to violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX in XXXX Florida to apply for a XXXX day XXXX night XXXX XXXX ( dual diagnosis : XXXX and XXXX usage ) for my XXXXr. After discussing the issue at hand, medical history and previous history, she was accepted. I used my Citi Bank Visa to pay {$14000.00} for this XXXX DAY/ XXXX NIGHT XXXX XXXX which was non refundable. 

But, XXXX XXXX DID NOT fulfill their contract! SHE DID NOT RECEIVE XXXX days XXXX XXXX nights  of treatment. IN FACXXXX, she received less than XXXX week! She arrived on XX/XX/XXXX and on XX/XX/XXXX, XXXX XXXX XXXX XXXX " her and sent her to XXXX  XXXX where spent XXXX days ( at OUR expense ). She returned to XXXX XXXX for XXXX NIGHT on XX/XX/XXXX and on XX/XX/XXXX, her husband was notified they were sending her to a smaller facility, " right up the road ''. Well, this facility, XXXX XXXX, is located XXXX hours away in XXXX XXXX. Upon the credentials of XXXX XXXX, I would have NEVER sent her to this facility. At any rate, it is a FACT she was given a medication at XXXX XXXX that XXXX KNEW she is allergic to ( XXXX ). Certainly XXXX should have transferred her records. On XX/XX/XXXX, she was " XXXX XXXX '' AGAIN and this time sent to XXXX XXXX XXXX XXXX for nearly XXXX WEEKS -- AGAIN AT OUR EXPENSE. 

I have TRIED for months to dispute this charge with both XXXX and Citi Bank. I told them I would be willing to pay {$2500.00} for XXXX days but I am NOT willing to pay {$14000.00} because we DID NOT RECEIVE SERVICES. Citi Bank stands by XXXX and will not help with recover our money because the Invoice I signed states NON REFUNDABLE. Was it not reasonable of me to expect the services that I PAID FOR to be rendered?

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 2021-11-18 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I have sent Identity theft paperwork to remove accounts resulting in identity theft. 
The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. 

XXXX XXXX XXXX XXXX PACIFIC CREDIT EXCHANGE

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 2021-11-18 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-Balance {$510.00} XXXX {$0.00} XXXX XXXX-XXXX-Balance {$110.00} XXXX-Balance {$1500.00} XXXX XXXXXXXX*-Balance {$1400.00} XXXX XXXX-Balance {$8.00} XXXX XXXX XXXX***-Balance {$15000.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TX

Complaint narrative:
I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

Company response to consumer: Closed with explanation