vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
This account was charged off as a collection on the following date XX/XX/XXXX. This account is also reporting a balance of {$1200.00} which is illegal and inaccurate because this account is still reporting a balance as if the account is still open. It is also reporting as a collection every month from XX/XX/XXXX to XX/XX/XXXX as if the account is open. This account is also not reporting any information for XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with TRANSUNION which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure XXXX XXXX XXXX  This account violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : - Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account 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 2024-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was charged off as a collection on the following date XX/XX/XXXX. This account is also reporting a balance of {$1200.00} which is illegal and inaccurate because this account is still reporting a balance as if the account is still open. It is also reporting as a collection every month from XX/XX/XXXX to XX/XX/XXXX as if the account is open. This account is also not reporting any information for Equifax. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure XXXX XXXX XXXX This account violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX EQUIFAX Account Name : - Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
( 1 ) 15 usc 1681q- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by XXXX XXXX XXXX - Billing Error, corrections must be made.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Wells Fargo My mortgage company XXXX XXXX had a data breach in XXXX. I was sent a letter in XXXX about the incident. My mortgage company is a sister-company. My name, social, and personal information was affected. 
We happened to receive a statement saying that I owed {$4900.00}. We called on XX/XX/2024, reporting that we did not make those charges. They had said that someone had called, and stated that they lost the cards and that they needed new cards sent to them. The company issued a new card to this person. The card number ending in XXXX is the card that we do not have, but the fraud holder does. I did not receive any notice that they were issuing new cards to anyone. Wells Fargo said they were going to do an investigation. Two weeks later, I got a letter saying that I was responsible for the charges. I called them and opened up a new inquiry. I sent my drivers license and documents that they sent me to fill out on XX/XX/XXXX. I am waiting to hear their results. 
On XX/XX/XXXX, I received a new statement with the amount still on it, however they moved the charges from the fraudulent card to my card.

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 2024-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was charged off as a collection on the following date XX/XX/XXXX. This account is also reporting a balance of {$1200.00} which is illegal and inaccurate because this account is still reporting a balance as if the account is still open. It is also reporting as a collection every month from XX/XX/XXXX to XX/XX/XXXX as if the account is open. This account is also not reporting any information for XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account with XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account Name : 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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX  : Hackers gain access to my online Wells Fargo account and changed the access credentials. 

XX/XX/XXXX XXXXXXXX XXXX  : I was contacted by someone who claimed to be with Wells Fargo Fraud Dept ( caller Id credentials matching Wells Fargo official number ). I was misled to believe that fraud had occurred on my account ending in XXXX via a 3rd party application ( XXXX XXXX ) and coerced into participating in a attempt to catch the alleged suspects by sending the amount of {$1000.00} ( case # XXXX ). 

XX/XX/XXXX XXXXXXXX XXXX  : 2nd contact by the same scammer posing as a Wells Fargo Fraud dept. rep claimed that both of my debt cards ( ending in XXXX and XXXX ) had been compromised and needed to be cancelled and new card issued and new PIN # Id 's established. In addition, both card needed to be sent back immediately via express courier that XXXX  via a address provided ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) w/ claim # XXXX via mailbox pick-up point. 

XX/XX/XXXX The next morning, I received multiple e-mails that throughout the night that transfers online between my four Wells Fargo accounts had been made, daily withdrawal limit had been increased, and suspicious ATM withdrawals had been made and I need to verify. I called Wells Fargo Customer service and made multiple fraud claims with the various associated departments. 
1.claim # XXXX ( Approved ) amount ( a ) {$300.00} dollars overdraft reversal from ATM transaction XX/XX/XXXX. ( b ) {$2000.00} Reversal of fraudulent online cash advance from credit card account. Reversal can not be fully completed as the funding account is NSF due to actions made by the scammers. 
2. claim # XXXX ( Declined : error did not occur ) multiple fraudulent ATM transactions made at Wells Fargo two separate branch locations for ( a ) {$300.00} x XXXX = {$1500.00} ( b ) {$1900.00}. 

Compensation requested : 1.fraudulent ATM withdrawals = {$3400.00} 2.Fradulent coercement via 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 monetary relief
Consumer complaint received 2024-03-28 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not liable for this debt of {$850.00} with LVNV FUNDING LLC ( c/o Resurgent Capital Services ) Account number : XXXX. I do not have a contract with LVNV FUNDING LLC, and they did not provide me with an original contract with a wet signature and ID verification as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MD

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 2024-03-28 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I've been working with Synchrony Bank regarding my Care Credit card since XX/XX/XXXX. When I contacted them in XXXX about the missed payment on my credit report from XX/XX/XXXX, they stated they didn't see it but would look into it once I paid my bill. At the time, I had a balance of {$610.00} out of my {$4400.00} credit limit. I submitted my full payment on XX/XX/XXXX over the phone, and they stated they would remove the incorrect missed payment, but it would take 1-2 billing cycles to show up. 
I reached out to them again on XX/XX/XXXX after checking my credit report to see it was still there, and was told they couldn't find the record of my request. I called again the next day on XX/XX/XXXX because I saw the missed payment on my credit report was moved from XX/XX/XXXX to XX/XX/XXXX, which was still incorrect. I was finally able to reach a representative named XXXX with their escalations team, and he told me he would get it removed. 
The next day, XX/XX/XXXX, I received a notification that my credit limit was decreased from {$4400.00} to {$250.00}. I called them back and spoke with a representative named XXXX. She told me that I would receive a letter in the mail with an explanation, but it was because Synchrony uses a " scoring system '' to determine credit limits. She also stated that if I wanted to increase my credit limit again, it would be a soft inquiry on my credit report. 
Today, XX/XX/XXXX, I have a letter in the mail from Synchrony bank stating " We have received your account in response to your credit bureau reporting dispute.. This serves as confirmation of the account status listed below as of the date of this letter. No delinquencies reported ''. 
I firmly believe that this is retaliation and an unethical practice. I worked tirelessly with Synchrony to have incorrect information removed from my credit report and they responded by decreasing my credit limit by over {$4000.00}, knowing that having less available credit would still effect my credit score. When I got this card in XX/XX/XXXX, it was to pay for a XXXX I needed for my cat. I paid the credit card off, and have used it incrementally for dentist appointments without a single missed payment. The fact that I was actively using the card and paying off my balances without being late has shown that I am a trustworthy client that is still helping them make money off of the interest. There is no other reason that my credit limit was that significantly decreased, the exact same day as I resolved my previous dispute, other than retaliation. This is an unethical, unfair, and predatory punishment, which is why I am reporting Synchrony.

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 2024-03-28 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: OH

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Can you verify the documents? Some of the accounts listed are inaccurately reported.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I have already sent this information to the company and my husband has spoken with them several times over the last few months trying to get this resolved. Our mortgage company, M & T bank, paid our homeowners insurance through our escrow account. However, the insurance company they paid had just dropped us due to not wanting to ensure our roof. So, we received a check in the mail, supposedly for the amount that was paid out of escrow, {$2300.00} or somewhere close to that. We called M & T bank and asked them what we should do with the check. At this time they told us we could just pay the insurance company. So, we did. A few weeks later, we receive another check in the mail for the exact same amount. We call M & T bank again to ask them what the problem is. This time they tell us we need to pay it back to our escrow account. So, we did. For several weeks we had over {$2000.00} in escrow. However, we received a letter in the mail from M & T bank stating our mortgage was going to increase due to not having money in escrow. Once again, we called M & T bank to make sure this was an error. They assured my husband all was well and nothing should change. Well, our XXXX mortgage payment states it's over {$2000.00}, with {$900.00} of our payment going to escrow. If we deposit $ XXXX from now till the end of the year, we will have over {$10000.00} in escrow. This seems exorbitant and unsustainable. M & T said we have to pay the new amount.

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 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I received a ton lf voicemails from this company regarding a gym debt that I have confirmed with XXXX XXXX XXXX that I do not owe. I reached out to Aldous & Associates on XX/XX/2024 regarding this debt and explained that I do not have debt with XXXX XXXX and that they confirmed it. I asked them to send me confirmation of this debt and they claimed they mailed a letter which I hadnt received nor did they provide what the debt in question was or why I received it. They said if I didnt pay the debt it would be reflected on my credit. I called this number XXXX ( XXXX ) XXXX which they provided via voicemails. I am unsure if this is a scam at this point.

Company response to consumer: Closed with explanation