vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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 disputed this mutiple times with exsperian. They attached my credit report without permission. My daughter placed me as an authorized users without me knowing, not using my social. She removed my name and the credit cards company sent a letter stating that it was removed. Exsperian still refuses to remove it from the credit report or change status.

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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I mailed a check on XX/XX/XXXX for {$3200.00} from DC to my sister in XXXX Washington, and gave my daughter a check for {$3200.00} on XX/XX/XXXX, intending to close out the checking account for my mother 's trust ( she died in XX/XX/2021 ), which had a balance of {$6400.00}. On XX/XX/XXXX, received email from Wells that account was overdrawn by {$1000.00}, and discovered that check mailed to my sister had been altered to {$4200.00}, and payee had been changed to XXXX XXXX. Immediately called Wells and reported fraud. They would not email me affidavit to complete, which I only received by US mail on XX/XX/XXXX. Completed affidavit, had it notarized and returned certified mail XX/XX/XXXX, and it was received by XXXX XX/XX/XXXX. After numerous call to their fraud department, finally got call from investigator today, XX/XX/XXXX, who said I have to wait until they recover funds from bank which accepted fraudulent check in order for them to credit my account the {$4200.00} They agree it was fraud -- the handwriting in the altered amount and the name were clearly different than the rest of the check, and I should not have to wait for them to get their funds, as they accepted a fraudulent check. I did nothing wrong. When I mailed it, the check was inside a paper addressed to my sister and not remotely visible.

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 2023-08-23 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: GA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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:
I disputed items on my report because the FCRA says my report must be 100 % accurate and the items are still reporting inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated

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 2023-08-23 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:
I recently disputed items on my report that are inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated. The FCRA says my report must be 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I XXXX XXXX XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my credit report. I am unaware of the address and jobs that is reported on there.Please remove any address and job off my credit report that does not belong 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 explanation
Consumer complaint received 2023-08-23 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: SC

Complaint narrative:
I DO NOT HAVE TO BE SPECIFIC AT ALL WHEN YOU HAVE DOCUMENTATION THAT I SENT CERTIFIED MAIL. YOU WILL BE SUED. REMOVE ALL NEGATIVE INFORMATION SUCH AS FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX AND ALL INQUIRIES ( ALL INQUIRIES ) OFF OF MY REPORT! EQUIFAX YOU ARE STILL IN VIOLATION OF BREAKING THE LAW. 

EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! 

I NOW WILL BE GETTING THE ATTORNEY 'S GENERAL, THE XXXX XXXX XXXX, LOCAL AND NATIONAL TELEVISION STATIONS INVOLVED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : 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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
On XX/XX/23 Sequium Asset Solutions reported a collection in the amount of {$1400.00} to all 3 of my credit bureau. This account is a result of XXXX account that was opened as a results of Identity Theft in XXXX Tx. A state I do not live in. I was first notified of the XXXX acct in XXXX at which time I took action and filed a police report with XXXX XXXX Police Dept . Report # See attached forms. I also filed a complaint Report with the Federal Trade Commision. Report # See attached forms. 
I also had to fill out a XXXX Affidavit -See attached. That stated that this was not my account and was a result of Identity theft!! 
The first collection agency that had this acct XXXX  in XXXX Tx removed the false acct and that is when Sequium picked it up 5 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
I have disputed items on my report that are reporting inaccurate information. The FCRA says my report must be 100 % accurate and my rights are being violated

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 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Mortgage company sent Insurance payment to wrong address and once discovered mortgage company sent a second check. Insurance company would not reinstate due to lapse from non-payment due to admitted mortgage company error. Alternate insurance when the sourced and paid but cost over {$2000.00} annually. Mortgage company issue third check for the now larger amount. Mortgage company has credited me the {$2000.00} additional cost and also one of the two initial checks but after more than 5 months still has not credited the second check. They have re-escrowed my account costing me hundreds of extra dollars each month. Although I have gotten through to one of their supervisors occassionally it is almost impossible to get through to them and voice mails are often not returned and email address not provided. Attempts to get contact information for their Corporate Offices to bump this up the chain have been unsuccessful also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
I disputed items on my report because the FCRA says my report must be 100 % accurate and the items are still reporting inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated

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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The company is Hunnigton National Bank, the date was XX/XX/XXXX When they left a message on my phone and I contacted them, barely wanted to give me information hand said the date was XX/XX/XXXX, I have no idea about this account but they saying it was closing because of a negative balance or something. I have no idea They called my mother too, which is something they cant legally do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report.

IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here.

Please immediately delete the following accounts immediately from my credit report! 



MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: MO

Complaint narrative:
Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. See attached screenshots as proof.

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2023-08-23 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: MO

Complaint narrative:
Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. See attached screenshots as proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXXr CUSHMAN v. XXXX XXXX CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX i logged in to my cash app to tranfer the amount of {$48.00} to my card but it didn't go to my card it went to another bank account that i dont have called XXXX XXXX XXXX last number on card number ending in XXXX I dont have are even know What bank is this? I've already tried to get it fix with cash app but they are no help at all ive tried XXXX sherching but no luck plz i need help i want to get my money back plz

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
I am deeply frustrated with Berlin Wheeler, the collections agency, for their unwarranted actions. Despite my efforts to provide them with the bankruptcy case number that proves the debt from XXXX XXXX was discharged in 2020, they not only rudely rejected this evidence but also threatened to report the account to my credit report. This situation is both distressing and unjust, as their actions show a lack of respect for proper procedures and a disregard for accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Credit Technologies, Inc.
State: IN

Complaint narrative:
I have explained to the creditors before that I didnt recognize these items on my credit report and that my identity had been stolen at one point about two years ago. I have also submitted disputes and they still have not removed any of these items. As they can see I have had fraud alert on my ssn for a very long time due to the situation of my identity being stolen. These inquiries are fraudulent and I would like them removed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: CA

Complaint narrative:
I dispute the credit item under 15 USC 1861 A6 and A7. My legal name is solely XXXX XXXX, not XXXX XXXX. Experian 's refusal to address this issue violates legal standards. Relevant laws must be applied, with emphasis on CFPB regulations. 

Account : XXXX XXXX XXXX  XXXX Account XXXX : XXXX Type : Credit card Opened : XX/XX/XXXX Status : Charged off, {$4500.00} written off, {$4500.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$4500.00} Last Balance Update : XX/XX/XXXX Limit : {$4000.00} Highest Balance : {$4500.00} On Record : Until XX/XX/XXXX Account XXXX XXXX XXXX  Account Number : XXXX Type : - Responsibility : Individual Opened : XX/XX/XXXX Status : No status Status Update : - Balance : - Last Balance Update : - Highest Balance : - Terms : - Account : CREDIT MANAGEMENT, XXXX Account Number : XXXX Type : Collection Responsibility : Individual Opened : XX/XX/XXXX Status : Collection account, {$400.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$400.00} Last Balance Update : XX/XX/XXXX Original Balance : {$400.00} Highest Balance : - Terms : 1 Month On Record : Until XX/XX/XXXX Experian 's obstruction of resolution contradicts legal obligations. Action within CFPB guidelines is imperative.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have a milestone credit card through Genesis FS Card Services. I have made multiple payments and I have paid the card off remaining balance on XXXX XXXX. I am also on auto payment plan. On XX/XX/XXXX the payment was reversed but the money was not refunded back to my bank account.On XXXX XXXX I received a text message stating my payment was past due. Upon further investigation into my payment history I noticed multiple payments being reversed but are not being refunded back to my bank account. Another attempt to pay off complete balance was made on XXXX XXXX with the payment being reversed XX/XX/XXXX. So clearly this is not the first time this has happened. On top of all that I am being charged late fees. I called Genesis FS card services on XXXX XXXX and spoke to customer service rep by the name of XXXX. He claims that my claims were reserved due to insufficient funds which is completely inaccurate. XXXX also claims that Genesis can take up to 14 days to take payment, which is also inaccurate especially since the payments are taken from my bank account within 24 hours. This seems to be an ongoing problem with them

Company response to consumer: Closed with explanation