vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been having issues with Experian Credit Bureau reporting a fraudulent account on my consumer report. The account stated and reported on my consumer report is XXXX XXXX  and XXXX XXXX. This account is reporting as a charge off account and negatively affecting my consumer report. This fraudulent account is also reporting a negative balance of XXXX XXXX Fraudulent account was open XX/XX/2018. Via FRCA 605B Experian is in violation, I need this account removed immediately. They CAN NOT verify or validate that this account is mine yet it is defamation to my consumer report. I would like to also state this is the ONLY Credit Reporting Agency reporting this UNKNOWN account. I will attach a few documents below with XXXX and XXXX XXXX reports. Along with documentation on why this fraudulent account was DELETED.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I didn't start these solicitations, and I'm not related with any of the banks recorded. Generously eliminate them from my credit report right away.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2024, I sent a letter to the bankruptcy courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating that They do not report any bankruptcies or update information to the credit bureaus. So if thats the case, How did the credit bureaus verify my bankruptcy as XXXX XXXX  Accurate? They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VA

Complaint narrative:
I have contacted MOHELA numerous times to resolve this issue and have been lied to, passed around, or completely ignored. According to my records, I paid them everything I owed them BEFORE my grace period was over. The first thing I was told was that I canceled all of my payments and owed them everything which is ridiculous considering I had paid the total amount due ( over {$25000.00} ) BEFORE the end of the grace period the federal government had extended. They then stated they could not account for {$6000.00} of the money I paid them. When I accused them of pocketing said money, the number changed to {$3500.00}. They told me they could defer the loan until they could track down the money and I confirmed that was what I wanted to do. Yet I am receiving letters that they are charging me interest on said loan. They also stated the only method I could use to send them proof that they have my money is to fax it to them. When I told them that I did not have access to a fax machine, I was told that that was the only acceptable method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is running my credit report for some unknown reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is running my credit report for some unknown reasons

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo stopped sending us paper statements without our authorization. We rely on paper statements to know when a payment is due. Because they chose to stop statements without our authorization, we missed one payment and didn't realize a payment was missed. The following month we realized we haven't received a statement for that month so we went ahead and sent a payment digitally not realizing the month prior was missed. This was back in XX/XX/2023. Weve since been sending monthly payments through our bank despite the fact that we havent received paper statements as requested. During this time, Wells Fargo attempted to contact us at a wrong number despite the fact that they had XXXX of our correct phone numbers ( our cell numbers ) on file. They did not attempt to call either of the XXXX correct numbers to alert us. Had they tried, we would have resolved it. Instead, they have been charging us interest month after month despite the fact that no other payments were missed. We are reasonable and offered to cover a singular late fee given the missed month, but we expect the other fees beyond the singular late fee to be waived given that we have been paying the monthly mortgage on time every single month on time and given that they were deceptive in stopping statements, calling wrong numbers ( despite having correct ones ). We have been a customer of Wells Fargo mortgage for XXXX years now and this is the XXXX time Wells Fargo Mortgage has stopped paper statements, which we rely on for payments, without our authorization. It is our understanding, by law, banks must make paper statements available for credit card, bank and mortgage accounts. The Electronic Signatures in Global and National Commerce Act, or E-Sign Act, allows financial institutions to swap paper bills and disclosures for digital ones, but only when a consumer consents. We did not consent to swapping out to digital statements. We are willing to pay a single late fee, but we are not willing to pay {$1100.00} in 2 years of late fees which Wells Fargo called a XXXX  effect for missing one month in XX/XX/2023.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 my account for XXXX XXXX XXXX XXXX  account # XXXX was removed from my XXXX credit report and in accordance with fcra information should be the same across all accounts and verifiable so this account should be removed from XXXX XXXX and experience as well

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I was checking my consumer report and saw a bunch of credit inquiries not recognized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo agent on the phone when I called to voluntary repossessed my car they said that the car will be towed and will send me a letter to pay back payments if I want the car back .I did not received communication from them till the day when I got a letter stating that the car was sold at auction for {$3000.00}, the car was worth on XXXX XXXX XXXX and I was owing them XXXX They lied to me telling me that I will get the car back if I want to just paying back payments for 4-5 months XXXX month After looking at the market and saw that the car was sold for {$3000.00} I knew it that Wells Fargo lied to me I do have another vehicle from them worth {$15.00} XXXX where I pay for my last 2 years Wells Fargo deceive me telling me that repossessed vehicle can be bought back paying the Due Amount of {$2000.00} I did not receive any letter from them Wells Fargo own me the GAP insurance where I paid it because I lost my job in that period of repossession Please investigate and let me know Thank 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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I got a copy of my credit report. That has all XXXX credit bureaus at the same time. I looked at XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX that's reporting on TransUnion. This account is inaccurate, incomplete, and reporting wrong payment status information. 
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking TransUnion to do a Reinvestigation on account XXXX XXXX XXXX. TransUnion then sent their investigation results saying the account needed NO CHANGE ( 3 TIMES ) According to 15 U S C 1681i 5 They are suppose to UPDATE, MODIFY, OR DELETE the account.

According to 15 U S C 1681 e b - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 U S C 1681 s-2 Reporting information with actual knowledge of errors. A person shall not furnish 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. 

TransUnion really did not reinvestigate. They lied on an official document saying they did something that they did not actual do. I have evidence to prove my case. See all attachments documentations.

On all 3 investigation, TransUnion never updated the dates. Indicating that they did perform a update on such date or dates. They reporting inaccurate payment status of 30 days past. When the two other credit bureaus are reporting current and 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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: IN

Complaint narrative:
In XXXX of XXXX, I applied for medical hardship application with XXXX XXXX, the original creditor of my XXXX  debt. My application was submitted and on my next bill, there was no longer {$3000.00} on my bill. 

Today on XXXX i received a notice that a collections has shown up on my credit report from Medical Business Bureau XXXX I have never received any written communication or even calls/voicemails from this agency regarding this debt. I have no information yo verify my debt or was even given an opportunity to dispute or make payments before the debt was reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX for some reason is running my credit, a total of XXXX  times, i spoke with a representative last year about this same issue and she advised me to it would be deleted, here we go another year same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX for some reason is running my credit, a total of XXXX  times, i spoke with a representative last year about this same issue and she advised me to it would be deleted, here we go another year same issue

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 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA is running my credit report for some unknown reasons

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: MD

Complaint narrative:
I had a credit card account with First Progress credit card for XXXX . Innacurate charges were made on the account on several occasions due to the fault of the credit agency and my card being stolen. I rarely use the card as the limit is small and it was only held open to keep credit utilization low. The credit card was stolen along with my wallet and I informed First Progress of this and all charges made in XXXX  where fraudulent as I had made none. An investigation was started and I was reimbursed a portion of the balance but was told the other charges are verified to be mine because they occurred within XXXX miles of my residence. I live in the small city of XXXX and found that to be and unfair amd inaccurate measure because I did not make the charges. There were XXXX  charges of whom they would not tell me the name of the user. There were charges to bars and a pharmacy. Non of these were made by myself. The charges all occurred in XXXX  day span and the card was overdrawn amd then late and overdraft fees were added to the account. I really take issue on how XXXX charge was reimbusred for being proven not mine but the other charges that occured in a very close time frame are veried wronlgfully as mine. The account was always kept at a balance of 0 % by myself so it was a shock go log into the account and see a balance of XXXX XXXX for an account I do not use. This was the second time I had to file a of charges with first progress as this happened also in XXXX but judgement was awarded to my favor. They have shown a pattern of ease in allowing unauthorized transactions occur on there customers account. And this account has since been sent to collections in a charge off hindering my buying power amd having adverse effects to my credit. I make all my payments on time via all accounts but First Progress had given me real issue.

Company response to consumer: Closed with explanation