vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB, Equifax is refusing to do as a lender asks. 

Attached to this complaint will be 2 letters from a creditor - they have been telling Equifax for months to add a XXXX XXXX XXXX XXXX ( XXXX ) for the purchase of a used XXXX XXXX XXXX to my Equifax credit report. 

Equifax has yet to handle this. 

I have filed 3 complaints before this one on this and now am attaching MORE proof Equifax needs to have this account show up o my credit report. 

Equifax, get this handled immediately as because you refuse to have my credit report show up as accurate it is damaging my credit and my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
Freedom Debt Relief is charging excessive fees for services not completed. Freedom Debt Relief charged {$1300.00} collection fee and only paid out {$50.00} to the XXXX XXXX for settlement. Freedom Debt Relief made a settlement with XXXX XXXX {$8500.00} to {$3800.00} and paid them a total of {$50.00}. Freedom Debt Relief states they are due thec {$1300.00} settlement fee. I terminated Freedom Debt Relief for taking long period of time to resolve my other five debt, which were starting to be charged off. This would start legal proceedings. I believe Freedom Debt Relief are doing fraudulent actions. Freedom Debt Relief are charging extreme fees for doing nothing. I as a consumer trusted Freedom Debt Relief to represent me in a trusting manner, I did not do a XXXX review of Freedom Debt Relief, I would have seen the bad reviews, they had accumulated. 
Freedom Debt Relief stated they will only return {$280.00} out of a total {$1700.00} amount I contributed to them. Freedom Debt Relief only settled one of six of my debts. Freedom Debt Relief states that upon my termination, that settlement is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
15 usc 1681 Section 602 States I have the rihjt 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 USC 1666B : A credior 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 2023-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA

Complaint narrative:
On XX/XX/23 XXXX sent an email requesting additional information regarding my XXXX XXXX Form. This form was sent to the XXXX last fall. On XX/XX/23 I responded that you are XXXX XXXX ( XXXX denies XXXX even though they share a phone number ). I asked how they obtained the form. The response was " based on the paper application imaged was a fax copy seemed to from my phone # ''. I then asked if the XXXX XXXX Form came from XXXX the XXXX? 

On XX/XX/23 I received an email from XXXX requesting additional information. I responded with the same question " Did the XXXX XXXX XXXX came from XXXX the XXXX? I received a response on XX/XX/23 from XXXX XXXX stating " I could not tell who sent us the application. The servicer listed is XXXX ECSI ''. XXXX XXXX then offered to cancel which I accepted. 

My scanner is not working, I will gladly forward these emails. I believe this incident to be a scam that could potentially cause great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Letter sent and responded to Check into Cash XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My complaint is that I wish to be considered a member of the injured parties to receive compensation in the Wells Fargo settlement with CFPB. 

I was recently told by Wells Fargo that their research shows that I am not currently part of the settlement. 

I believe that I was legitimately injured by Wells Fargo 's actions while managing my home mortgage. I believe that my inconveniences should be remediated through inclusion in the CFPB settlement. 

The mismanagement of my mortgage took place when : ( 1 ) I was told I would qualify for a modification, but only after going into arrears ; ( 2 ) being denied a modification, multiple times, because the mortgage type could not be modified ( not true! ) ; ( 3 ) if the mortgage truly could not be modified, I should have been told that when I first requested a modification before going into arrears ; ( 4 ) the house being sold in foreclosure even though the mortgage could be modified. 

I have already received a detailed explanation from Wells Fargo of how they handled my mortgage requests over the years. I am filing this complaint to receive full consideration for inclusion in the settlement with CFPB.

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 2023-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I, XXXX XXXX, entered a consumer credit transaction with Capital One Auto Sales in XXXX of 2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The finance charge is supposed to include insurance, but Capital One Auto Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2023 Consumer Protection Bureau To whom this may concern : This letter serves as a formal notice to file a complaint and request for assistance regarding accounts that has been disputed asking for removal due to not mines/inaccurate, name & address information that is not mines which shows on my credit reports, and the blatant disregard of the law that Experian has demonstrated. 
As indicated in the attachments, which is a copy of the letter that was sent along with the certified mailing receipt showing that it was delivered and follow up phone calls to the bureau asking for validation of the debt that shows on my credit report, the bureau has yet to provide how they retrieved this information and how was it validated. This information is causing great stress and financial difficulties to be awarded for a home due to inaccurate information that pose negative information that is not mine. 

As you are aware federal law requires a response from the bureau within 30 days of receipt of the letters that was certified showing they received. Please assist me with the removal of the following accounts below that are not mines along with the names and address that is not associated with me at birth or that is not documented as my identification shows Accounts that are listed on my credit report that is not mines. Have asked for validation of these accounts and have yet to received the data that was collected that shows the accounts belong to me. 

XXXXXXXX XXXX, XXXX ( Original XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX 
Account # XXXX Names that are not mines, but is still on credit report, which may be associated with accounts that are not mines. Please assist with requesting Experian to remove these unknown names and any accounts that are associated with these names in there data base. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine, but is still on credit report, which may be associated with accounts that are not mines. Please assist with requesting Experian to remove these unknown names and any accounts that are associated with these names in there data base. 

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
Consumer complaint received 2023-03-13 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: VT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Payment on said account was never late

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following letter was sent over 30 days ago demanding removal of inaccurate and invalidated information on my consumer report : Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX, account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: AL

Complaint narrative:
Letter sent and responded to XXXX XXXX XXXX XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.

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 2023-03-13 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: FL

Complaint narrative:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax, XXXX and XXXX credit report : Account name : XXXX. XXXX Acct XXXX Date open : XX/XX/2018 charge off XXXX ( XXXX ), XX/XX/2018 ( Equifax ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX, XXXX and Experian credit report : Account name : XXXX. XXXX Acct XXXX Date open : XX/XX/2018 charge off date:XXXX  ( Experian ), XX/XX/2018 ( XXXX ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2023-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Debt was a charge off as of XXXX. Account is not allowed to be reopened. CPS continues to reopen account and mark payment history incorrectly. Since then, account has closed then CPS reopened it illegally as it shows an update in payment history which a charge off is NOT allowed to have an active payment history. This falsely manipulated the statue of limitations and must be removed according to the lawl

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I paid for my wedding in XXXX on XX/XX/2022 using my Citi credit card. The total was {$8500.00}. Due to a hurricane, the wedding was canceled. The merchant ( Secrets Hotel ) told me the easiest way to initiate the refund would be to dispute the charge with Citi so they could accept and return the funds. I opened separate disputes for the initial {$500.00} deposit and the subsequent {$8500.00} remaining payment. 

The initial response from Citi was to put a conditional credit on my account and ask for documentation. I sent Citi 's dispute department emails from the merchant detailing the dispute acceptance and advising Citi to refund the money. Citi never contacted the merchant, removed the conditional credit, and found me responsible after 2 months. 

I reopened the dispute with Citi. I have continued to call, chat, and email their department with no real response. The merchant advised me that they were contacted about the {$500.00} initial charge and approved it, but that dispute is still sitting open, as well. They still have not been contacted about the {$8500.00} dispute, despite the fact that it has been open for 4 months now and I have had to pay the balance. 

When I speak to anyone ( phone number for disputes, chat, email, etc. ), the standard response that they are reviewing the information and will reach out to me in 7-10 days is all I get. I am so confused as to what they could possibly need and what action is actually being taken. They have emails from the merchant asking them to refund the funds and they still have not even contacted them regarding the larger amount. As for the smaller amount, the merchant has approved after being contacted but the money still has not been returned to me and the dispute sits open. This is over {$9000.00} of my money that Citi is holding on to, with no real way to get in contact or escalate to someone who can take action beyond the standard " wait longer '' response. The standard guidelines for disputes are in place for a reason, and Citibank is in clear violation of them in both of these cases.

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 2023-03-13 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: LA

Complaint narrative:
Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. 

You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. 
You are hereby put on notice you have been reporting inaccurate information. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: AL

Complaint narrative:
XXXX XXXX Sold Westlake My Information/Contract Without My Knowledge

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 2023-03-13 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: Atlanticus Services Corporation
State: OH

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 USC 1666B : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief