vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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: IL

Complaint narrative:
See the attached documents. WHAT WOULD BE A XXXX RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: FORD MOTOR CREDIT CO.
State: NE

Complaint narrative:
FORD MOTOR CREDIT CORP Inquired on XX/XX/2021. An authorized inquiry on my credit report that should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My daughter is being added to my fraudulent accounts and her social security number was breached through XXXX and is on the XXXX web as well as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I made a payment to my capital one credit card for {$100.00}. On XX/XX/XXXX capital one posted my direct deposit payment for {$1000.00}, I received an email from capital one bank stating that my capital one credit card payment that was submitted on XX/XX/XXXX was returned for NSF. On XX/XX/XXXX I called capital one bank at XXXX and the capital one rep I spoked to stated that the payment was returned on XX/XX/XXXX for NSF, which was a out right lie because I have the communications sent to me by XXXX XXXX that the payment was presented on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
A purchase was made for an item using my Apple CC on XX/XX/22 totaling {$750.00}. The online item wasn't available due to being out of stock and I was notified the following day. I reached out to Goldman Sachs which administers the Apple CC accounts to let them know. I asked if they could assist with the charge so I wouldn't be charged for the item at payment time when my bill was available to allow payment on the remaining balance. They said that a dispute was the only way they could assist and That I would get a provisional credit until the issue was resolved. The dispute would have to be in my favor or the amount would to charged back to my account. The vendor provided a refund the next day. Which should have zeroed out the amount but a few days later I received an email stating that the dispute was not in my favor and they charged my CC for the amount of {$750.00} and I owed that amount for an item I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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:
I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
Im getting repeated calls from these people Im explaining I dont owe the amount Im being accused of because they had the car repossessed and it was left in a tow yard they never went to get what they towed and the sale of the vehicle wasnt deducted per United States Uniform Commercial Code 9-609 I was told I bit to pay the debt willingly or face charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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: IL

Complaint narrative:
For the company to do what is XXXX and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: AZ

Complaint narrative:
XXXX Bank is still showing me as a joint member of an account I was removed from months ago. This action has destroyed my credit score from a XXXX to a XXXX, I have attempted to go into XXXX to fix this issue and the inaccurate information appearing on my credit report. The account belongs to my former spouse.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay Bank issued a line of Credit ( Gap Rewards Card ) to me at an address I had not lived at for quite a few years, I called them when I received notice of a bill and told them of their error, and was assured that the problem would be taken care of ; I kept receiving notices, I called them again, they had no notes of the first time I called them, again I was assured that the problem ( talked with the fraud department ) was taken care of, I still received late payment notices, I called them a third time ( yes they had the notes of the second time I called them ), the guy in Fraud was keeping me on the phone for a long time about the outstanding charge on the card ; I told him ( non-English speaker btw, all of them ) that he was wasting my time and that they are the ones that issued the line of credit to the wrong person, said I was going to file a complaint if Barclay 's did not leave me be ; Barclay 's closed the account and then they ( Barclays ) informed the Credit Reporting Agencies that I was 30 days past due.

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 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We asked Well Fargo to Lower our Interest rate on our Mortgage as we were having a difficult time paying the mortgage when my husband lost his job. The Interest rates had decreased and we did not want to lose our property. At that time we were both XXXX XXXX XXXX and in the throws of the Great Recession and we both lost our jobs. We submitted and resubmitted the papers required at least 3 times. Afterwards they rejected our request and was told to GET A JOB. 

We Finally had to short sale our property in XXXX XXXX, XXXX. Which ironically was sold to the President of the HOA affiliated with our Development. 

To be degraded by Well Fargo as senior citizens was as devastating as losing our Property.

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 2022-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
On XX/XX/2022 I provided a payment voucher to XXXX XXXX for lab work. The payment voucher was provided by XXXX XXXX. The voucher was accepted by the lab technician. In XXXX I received a bill from XXXX XXXX for {$370.00}. I reached out to XXXX XXXX and spent the next XXXX months trying to get confirmation that a voucher had been provided to me for XXXX XXXX. On XX/XX/2022 I received confirmation from XXXX XXXX at XXXX XXXX that " confirmation has been received that the account has been updated and your account should reflect a XXXX balance within XXXX business days. '' I did not receive additional billing from XXXX so believe the bill had been paid. On XX/XX/2022, XXXX XXXX sent me to collections with Radius Global Solutions. On XX/XX/2022 I received a collection notice from Radius Global Solutions. On XX/XX/2022 I sent an email to XXXX XXXX asking for documentation that XXXX XXXX had been paid. As of today, XX/XX/XXXX, XXXX has not replied to that email. On XX/XX/2022 I called XXXX XXXX. XXXX was not available but I spoke with a different representative who said they were going to put a request in to billing for confirmation. I called XXXX XXXX again on XX/XX/XXXX as I had not received a response. I spoke with XXXX XXXX who said their billing department had been in contact with XXXX XXXX and were waiting for them to send confirmation. She was unable to provide me payment confirmation. On XX/XX/XXXX I called Radius Global Solutions and disputed the charge. I also sent an email to the dispute department and include XXXX and XXXX in the email, asking them to provide confirmation of payment. I want to report both XXXX XXXX and XXXX XXXX for financial negligence. I used a voucher 5 months ago and continued to be harassed for payment by XXXX XXXX. XXXX XXXXXXXX has not done due diligence to ensure payment has been received and reflected on my account.

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 2022-12-23 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: FL

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

Account name : XXXX XXXX XXXX XXXX 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 a account without my written instruction 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 conviction 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 a to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I sent a debt Validation letter, cease and desist letter, affidavit of truth and an invoice to Exeter finance and gave them 30 days to come up with a solution. The contract was fradulent and void. Exeter finanace forged themselves onto a contract between XXXX XXXXXXXX XXXX XXXX XXXX and I. They made the contract void because they use my information without my consent and forged signatures onto the contract. I have a copy of all the violations that were committed by Exeter XXXX and I do have your po box that I will be sending all this information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX. I received a text message XX/XX/22 from XXXX XXXX asking about a XXXX XXXX XXXX in XXXX Florida for $ XXXX reply yes if recognized or no if not- I responded no. Then I received a call from a man claiming to be XXXX XXXX XXXX with Wells Fargo XXXX XXXX the caller ID read WELLSFARGO ( XXXX ) XXXX. While on the phone with him, he sent me a text message with a link on it. I clicked on the link. The link opened and appeared to be a Wells Fargo page to enter info. Among the questions it asked for the pin # to which I told " XXXX, I'm not comfortable sharing this info '', he was unfazed and said he understands and that's ok & that he could gain access a different way. Then, he sent me the an " XXXX XXXX XXXX '' over text message and I read it to him. At that point he had access to my account and started asking which charges were legitimate. The only unrecognized transaction was the XXXX to XXXX XXXX. The call went on for 37 minutes with him sending me XXXX  more " XXXX XXXX Codes '' throughout while he led me to believe he cancelled the wire and claimed he was closing the account and sending me a new account and card. He said the money might leave the account briefly but to rest assured it would be re credited in the account in 1 day. Throughout this call I missed a call, caller ID read XXXX XXXX from XXXX. She left a message claiming to be XXXX with Wells Fargo XXXX XXXX XXXX and Asked to call her back as soon as possible. I never returned her call. After I got off the phone with " XXXX '' I went back to work for a bit maybe XXXX min to an hour. Then I decided to see if I could still log in to my business account. I was able to and that's when I got real worried because the account was supposed to be locked. At XXXX I called Wells Fargo XXXX XXXX and spoke with XXXX. After filling him in on details he instructed me to go to a Wells Fargo XXXX right away. I went to the XXXX XXXX branch XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and worked with a banker- XXXX XXXX and Wells Fargo XXXX XXXX XXXX phone to attempt to reverse the wire and change passwords. Now they say I wait XXXX business days to see if they can recoup my XXXX  in funds. I want to be clear- I never shared my sensitive info with anyone, I never initiated the money wire in any way. I made an attempt to stop it almost immediately. 
Update XXXX I got a call and a email from XXXX at Wells Fargo denying my claim. Also they said they are mailing me their evidence and I will receive it within 30 days.

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 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Nicholas Financial Inc.
State: AL

Complaint narrative:
Nicholas Financial repoed truck I told them I lost my car during XXXX and I just had found another job they got the truck and put it on my credit report XXXX cant get another car I am walking to and fro my kids have been taken out of school I tried talking to them thats what they do repo and sell car and try to get me to pay car off and someone else got the car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: MD

Complaint narrative:
I pulled my report and there is still damaging information being reported to my consumer report. which is clearly a violation to my rights. I thought that 15 U.S. Code 1681e ( b ) my credit report should be reporting with maximum accuracy. Isn't that the law? 

I have been disputing for some time now and I get no response isn't that a violation under 15 U.S Code 1681i ( a ) a reinvestigation of my consumer report was never concluded. 

remove before litigation required

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 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called the phone numbers listed for these companies and inquires. I was told there was nothing they could do I would have to contact the credit bureaus. Credit bureaus tell me contact the creditors. I want these REMOVED ASAP!!! THEY ARE UNAUTHORIZED AND FRAUDULENT. The inquires are listed below with names and dates. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief