vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
A XXXXXXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.

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 2023-03-09 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: A&D Mortgage LLC
State: FL

Complaint narrative:
A & D Mortgage LLC has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Experian 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 explanation
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 2023-03-09 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/23, I initiated a direct pay transaction from Well Fargo to a third party account that was also held in Wells Fargo. I thought this was going to a person, I knew. However, the account information provided to me was incorrect. The money went to an account that I don't know the owner of. 

On XX/XX/23, I called Wells Fargo to ask to reverse the transaction. I was told by the representation that since the name on the account would not match the name on the ACH, it would bounce back. 

On XX/XX/23, I called the bank again indicating the ACH had not reversed itself. They opened an case ( case # : XXXX ) and was told that I would receive a call within a day or two. 

On XX/XX/23, I called the bank again since I did not hear back from them. I was told the case was opened by mistake. Since I used direct pay, per the terms and conditions I was out of luck and it was too bad. 

Upon asking for next level I was told the same. I asked how it can be reversed and was told the receiver would have to initiate it. The receiver has a Wells Fargo account but they would not check with them to see if they want to reverse. I obviously don't know who the account holder is. 

I am out over XXXX from my business account that is unaccounted for. Wells Fargo refused to 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 2023-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wrong Address and misspelled names are on my credit report after multiple disputes Inaccurately reported jobs on my credit report

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 2023-03-09 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  account 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 USC1666B : 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
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
IN accordance with the fair credit reporting act XXXX account # 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 USC1666B : 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 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 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Capio Partners in Texas is attempting to collecting a debt. I am not the person that received the services. I asked to validate the debt and the representative refused. This morning ( XX/XX/23 ) I was alerted by XXXX that this debt posted to my personal credit file. 

This is the second time that Capio Partners has used this tactic by falsely contacting a credit reporting bureau to somehow strongarm me into paying them. It makes me wonder what other underhanded ways this company has tried to collect debts. I have disputed this with XXXX again, who removed it from my file the last time. Also, I have filed a complaint with the AG of TX and more than likely will file with the OH AG and the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX completed paperwork to close IRA-CD ( {$25000.00} ) at Wells Fargo XXXX XXXX, Oregon with Banker XXXX XXXX XXXX While completing paperwork I was on the phone with a representative from the section managing the account. Paperwork was completed, faxed and verified as received. I was told I would receive a check within a few days and to call back if not received. I called Wells Fargo and did not receive a return call. I was outside of the grace period after a few days and waited for the check. The check did not arrive so I took a different approach. 

XXXX I opened an IRA-CD with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oregon to receive the money from Wells Fargo because it had still not been sent. My Wells Fargo on line access continued to show the full amount in said account. The First Federal account was activated and all appropriate paperwork was sent to Wells Fargo by XXXX XXXX XXXX XXXX XXXX. 

XXXX I completed a complaint with, and supplied appropriate information to the Federal Reserve. 

XXXX I received a letter from the Federal Reserve stating that CFPB is whom I should file a complaint with. As of today XXXX my XXXX XXXX XXXX XXXX XXXX account continues to show a zero balance, and Wells Fargo continues to show the full amount ( {$25000.00} ) in the account I have been trying to close. 

Wells Fargo is failing to release my funds and I am loosing 3.25 % interest in my new account. Is this a common complaint with them? How can they just ignore multiple attempts to return money to it's rightful owner? 

Thank You XXXX XXXX I have copies of all forms but they contain sensitive information and I will not attach them to an email. I will be glad to supply them as needed via a safe portal or method.

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 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
My XXXX  passed away and had his first mortgage through Santander Bank. I was appointed administratrix of the estate and sold my dads house on XX/XX/23. My lawyer reached out to Santander twice prior to obtain a payoff providing them with the death certificate and my administratrix paperwork which was all approved by the court. Santander on the first payoff request provided a payoff but then when my lawyer attempted to get an additional payoff that was within 10 days of closing, they refused. My lawyer sent the payoff with plenty extra to ensure the lien release was complete and the loan paid off. I got a letter in the mail addressed to me stating they needed a copy of the deed and a copy of my license. I provided this via email and received a confirmation that it was received and that it would be reviewed within 3 business days, that was on XX/XX/23. I reached out again via email today XX/XX/23 to ask for a status as it had been well over the timeframe provided and was told at first the email is only for receiving documents and then told they found the document and that I now needed to send a letter advising that I was the administratrix of the estate and heir to the loan. They are making me jump through hoops and n providing wrong information at all steps of dealing with this. I have asked them to confirm that the loan was paid off and that the lien was released as I have the legal responsibility to handle the estate and they are refusing to provide me this information. I advised them I was going to file a complaint with the cfpb and received a response stating these are requirements of the cfpb when my dad also had a second mortgage with citizens bank and they did not give me any trouble with payoff quotes or releasing the lien of the home and sending the overpayment back. I am asking for help as Santander bank is refusing to help 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 2023-03-09 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:
15 us 1681a2 stating you didn't give written permission to have those accounts furnished on your report

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my XXXX ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when XXXX called me advised me that my account is more than 60 days late. I then began a fraud dispute case XXXX. I called XXXX in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my Experian report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to Experian they said that XXXX has to remove this from their billing record for it to not show up on my credit report.

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 2023-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and 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