vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
Currently in divorce proceeding.on recent credit report I found a mortgage ( Loancare in XXXX  XXXX ) I am not sure of this and do not believe I had a mortgage with this company.also spoke with XXXX XXXX as I showed an account was open with myself as a secondary account for {$13000.00} .the credit card is not in my name but I believe my XXXX # was used. XXXX XXXX states cards has first name that could be male or female but will not tell me the name except it is my last name. XXXX XXXX states they closed account today. There is an open XXXX XXXX card for XXXX also not mine. XXXX XXXX will not help me as I don't have full account number. The two address for me on the report are wrong.one is my husband 's XXXX XXXX ( I have nothing to do with that buisness ) and the other address is my adult son 's mailing address which is located in a small business for that purpose.my home address is not on the credit report from the 3 credit bureaus on XXXX. I did report to XXXX and should get a report in the mail within 30 days .also my report stated I also have another incorrect mortgage.another mortgage is correct, my current house.i am soon to be XXXX XXXX XXXXthank you

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 2022-07-02 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: NJ

Complaint narrative:
Fraud accounts on Experian 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 non-monetary relief
Consumer complaint received 2022-07-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over XXXX points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over XXXX points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to 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 non-monetary relief
Consumer complaint received 2022-07-02 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: NJ

Complaint narrative:
Fraud accounts on XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, during the past year, has been the only Credit Reporting Agency, that has accepted XXXX XXXX 's negative reports that XXXX XXXX has submitted since XXXX XX/XX/XXXX in retaliation for my having sought legal assistance against XXXX XXXX fraudulent means of getting me to buy their timeshares. 
Experian has disregarded all the facts that I have provided to them that proves that the reports that XXXX XXXX submitted to them are FALSE or INACCURATE. 
They have concluded all their responses to my disputes by saying the following : " We contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported I believe that they, Experian, must have some sort of arrangement with XXXX XXXX for the purpose of continuing to damage my credit record. I say this, because on XXXX XX/XX/XXXX. Experian reduced my credit score by seven ( 7 ) points when XXXX of my credit cards at XXXX XXXX XXXX billed {$95.00} in annual fees. Experian stated that they were reducing my credit score because I had significantly increased my indebtedness, which was XXXX ( XXXX ), meaning that I did not owe a XXXX to anyone, before XXXX XXXX XXXXXXXX billed me the {$95.00} annual fee. THIS IS THE MOST OUTREGEOUS credit reporting offense that I have seen in my entire life. 
In the attached report, I will show that Experian allowed XXXX XXXX damage my credit record by accepting the following FALSE or INACCURATE reports : o On XXXX XXXX, XXXX XXXX reported that I had three outstanding Loan Accounts with them, instead of two. 
o On XXXX XX/XX/XXXX, XXXX XXXX reported that I was XXXX on Account # XXXX, instead of the actual date, XXXX XX/XX/XXXX, that I was XXXX delinquent on my account o On XXXX XX/XX/XXXX, XXXX XXXX reported the FALSE Payment History of my account # XXXX, that I had paid their installments until XX/XX/XXXX, instead of XX/XX/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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: TX

Complaint narrative:
Deposits are not available in account all transactions history under last XXXX. XXXX of social

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Discover for engaging in abusive, deceptive, and unfair practices. Discover has failed to clarify a billing error that has been placed on my consumer report. Discover has placed late payments on my consumer report without my shared consent and my lawful authority. Furnishing these payments to my consumer report without my consent is considered an attempt to abuse. Discover has reported negative information that is not required by law to report which has led to disclosing my nonpublic information that has brought a great deal of sustainable harm and inconvenience to me. I have not been provided with any proper documentary evidence that clarifies why this billing error was made in the first place. Whenever I received a billing statement from them, which was not considered the proper documentary evidence as requested, they still continued to collect on the account instead of stopping until the billing error was corrected. Because disclosure is required and Discover has failed to provide me with all the requirements that are included in the disclosure, I am aware that the documents they were sent are considered fraud. As a financial institution, nothing requires them to furnish my information- yet they did. I am requesting Discover send me the proper disclosures to prove that my claim isn't true, or remove these late payments from my consumer report. It is Discover 's grave responsibility to report 100 % accuracy. I am aware of the wrongful doings that have transpired and because of this- Discover has clearly violated the law. Discover has continued to extort me by inducing wrongful use of my financial reputation and their attempt to abuse. Because of this- Discover can easily be tied into a racketeering case resulting in 20 years of imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I received a loan modification in XXXX or XXXX and was making payments. I received an offer to place my monthly payments on hold because of COVID 19. The payment were suspended for a period of 1 year. I received a call a year later demanding all back payments to be paid in a one lump payment. I explained that I was XXXX  year living on a fixed income and could comply with those demands. I requested a loan modification. the sent mailed a package out i submitted it an the after 6 months or longer the denied the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2022 I received XXXX letters from Wells Fargo Bank advising me that my savings account had been closed by them due to a garnishment notice. The only reason my checking acct was not touched is because I am on Social Security as my only income and they could not touch it. The garnishment was not even mine, it was my daughter 's and she was not on my savings acct except as beneficiary. I went to XXXX different branches of Wells Fargo for help to no avail, they both said they could not help me, I would have to go through their legal dept. I had a complete meltdown at this point because my savings was my overdraft protection at the bank and even though I had never used it, it was still there and available. I have been a long time customer with Wells Fargo, over 10 years! I finally called my daughter who was at work and when she heard how upset I was and we realized it was something she knew nothing about she got involved to help me. She knew the right place to call and got through to legal dept of Wells Fargo. The lady who helped us took a moment to investigate and found out immediately it was an error that should never have been made. She said she would put the funds back in my savings but when she found out it was closed she said she would have to send a check directly to me, so I no longer have a savings acct and would have to start all over when I do finally receive the check. As I thought about this and how upset I was, how much time it took to resolve, the trips to the bank and the pure stress of having my account closed in addition to my daughter having to take off work to help me, I feel Wells Fargo should offer something to compensate me for the time, worry, anxiety and loss of my savings account. It never should have happened in the first place if whoever took the money from my savings had looked and seen that no one 's name was on that account except mine. They " dropped the ball '' on this one and their employee in the legal dept recognized it immediately which is why she said the check would be issued and the garnishment would be removed from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 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: TX

Complaint narrative:
Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX was updated as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXX  Account ID : XXXX Confirmation Number : 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 2022-07-02 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:
Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX  XXXX auto finance when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX  should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXXXXXX XXXX  dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX viXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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 # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX  : XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX  XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX inquiries 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 in account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Credit - Credit Repair Centers
State: CA

Complaint narrative:
This business is a scam ( the owner is XXXX XXXX ). They sent me a written contract asking for an upfront payment of {$590.00} to dispute a few inquiries. Charging upfront fees is against federal and state laws. Also, the contract states : American Credit is a non-profit corporation organized under the laws of the state of California, having duly filed an application with the Internal Revenue Service, operating as a tax exempt organization, pursuant to Section 501 ( c ) ( 3 ) of the Internal Revenue Code. 

This is false. The IRS website has a Tax Exempt Organization Search Tool You can check an organization 's : Eligibility to receive tax-deductible charitable contributions Review information about the organization 's tax-exempt status and filings. 

The IRS has no record of this company as a nonprofit. A private foundation can not be tax exempt. Certain credit repair practices are illegal. I seek to hold this company accountable for violating consumer protection laws. 

This company doesnt have a surety bond and did not register with thXXXX XXXX XXXX as required by state law. 

The written contract they sent me does not mention the name and address of their business bond as required by state law ( Credit Services Act of 1984 ) This is a criminal misdemeanor. 

Their written contract instructed me not to communicate with the nationwide consumer reporting agencies. 

Their written contract also mentions a non-refundable fee which may be against both federal and state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: SC

Complaint narrative:
I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 

According to federal law 1

5 6802 no financial institution can not sell a consumers information to a third party agency.

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report.

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.

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 2022-07-02 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: SC

Complaint narrative:
I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 

According to federal law 15 6802 no financial institution can not sell a consumers information to a third party agency.

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report.

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.

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 2022-07-02 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:
I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OKLAHOMA XXXX XXXXXXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX 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