vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am submitting this complaint as a XXXX Bank customer in which Wells Fargo allowed a washed check to be cashed. XXXX Bank as followed up but has not heard back from Wells Fargo regarding a fraud claim filed. Please find the following details below. 

On XX/XX/XXXX, I noticed a check clear from our bank account for an amount that was not recognizable. I pulled up a copy of the check online and saw that the writing on the check was not my husbands handwriting. Everything on the check was changed, the name was changed from Wednesday XXXX to XXXX XXXX, the date was changed from XX/XX/XXXX to XX/XX/XXXX, the memo was changed and a picture of a XXXX tree was drawn, my husbands signature was written over, and the amount was changed from {$50.00} to {$500.00}. I proceeded to my local XXXX bank and informed them of the situation. They instructed me to file a claim, which my husband and I did right away. After following up with XXXX Claim services several times, I finally received word on XX/XX/XXXX that they did not get a response from Wells Fargo regarding this matter. My husband and I found ourselves very frustrated by this. After dealing with many life circumstances, I finally took further action. One Wednesday, XX/XX/XXXX I filed a police report with the XXXX XXXXXXXX XXXX XXXX The report number is : XXXX. Upon speaking to the XXXX, he agreed that this indeed was a washed check. On XX/XX/XXXX, I filed an Identity Theft Report with the United States Postal Service as this check was taken from the mail. I am writing you to please give our {$500.00} back to us. Your bank has allowed this check to be cashed when it never should have been. 

Enclosed you will find all my correspondence with XXXX bank including the claim I filed. You will also see copies of the check before and after the altered check so you can examine the writing and signature. I have included copies of the XXXX  business card and an email confirmation that I filed a identity theft claim with XXXX. 

Feel free to contact me with any further questions to resolve this matter. 

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 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$910.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX 2009

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 2023-03-20 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX PXXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
I received a letter from Fair Collections and Outsourcing on XX/XX/23. Not much information was provided in the letter other than it was a debt owed to another company. I mailed them a letter via Overnight mail on XX/XX/23. In this letter I requested information to verify the debt and to provide a copy of the last billing statement that shows how the debt amount was calculated. I have never received a response from Fair Collections and Outsourcing and now they have placed a collections on my credit report even though this debt is currently in dispute. I simply want proof as to who this company is, why I owe this debt and how they came up with the amount owed and so far I have never received this information.

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 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2023 my Ally auto payment went 30-days past due. The next due date was XXXX XXXX, 2023 in their payment app ( XXXX ). I made the payment in full ( {$1700.00} ) including late charges, on XXXX XXXX, 2023 via their phone system. Theyve reported the payment 60-days past due, although all contact through app and text shows a due date of XX/XX/2023 ( 30-days from XX/XX/2023 payment date ). 

When contacted they said the payment doesnt need to be 60-days past due and they can mark it on the XXXX. I requested information and they were reluctant to provide, but said they would mail something between 10 business days. Looking through the contractual terms of the loan, it says clearly its a 30-days from due date reporting system. This means my payment would be marked 60-days past due on the 58th day, with a payment deducted on the 59th day. 

Reading through the federal law of the Fair Credit Reporting Act, it states A late payment can not be reported to the credit bureaus until it is at least 30 days past due. An overlooked bull wont hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 

Any assistance will be appreciated and I would like to engage the complaint process.

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 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from XXXX that I had a new derogatory mark on my credit. When I checked to see what it was, it was a balance of {$270.00} from Credence Resource Management. I do not recognize this debt as I have never received any communications whatsoever regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Regarding the Wells Fargo settlement. 
Appreciate the help in advance. 

Hello- I currently pay my mortgage through XXXX XXXX XXXX company. 
Several years ago I had inquired about refinancing when rates were low and they mentioned how XXXX was a serviced but Wells Fargo owned my mortgage- felt like such a scam from the start. 
I am simply inquiring if perhaps I am eligible for a settlement. 
Eventually I hope to refinance once rates come back down. 
Please feel free to email or call- my home address is : XXXX XXXX XXXX XXXX, XXXX MD XXXX. 
Thank you much XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a capitol One Savor card that applied a late fee of {$29.00}. The due date is the XXXX of each month. This month ( XXXX ) I made my payment as usual on the XXXX however I paid it at XXXX. Apparently there is a cut off time of XXXX. So on XX/XX/XXXX, the due date, at XX/XX/XXXX XXXX my payment was considered late and an additional charge of {$29.00} was imposed. This is unfair and I dont understand how it can be legal. I reached out to the card holder and no help was given. Ive never been delinquent nor carried any overdue balance and no consideration was made. 
Card companies should not be allowed to do this, what is the purpose? What difference does it make what time a payment is due, it was paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcon Credit Solutions LLC
State: CT

Complaint narrative:
In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from XXXX XXXX that between XX/XX/XXXX and XX/XX/XXXX of XXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. 
A few days later I received a phone call and Text message from Arcon Credit Solutions LLC that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from Acron Credit Solutions about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: WI

Complaint narrative:
After reviewing my personal credit report, I have found inconsistent data on my report and would like to resolve these issues for the following accounts : XXXX XXXX # XXXX Delete this account for inaccuracies : Date of charge offs on reports have inconsistent dates. XXXX reports no charge off XX/XX/XXXX, XXXX reports charge off for XX/XX/XXXX, Equifax reports no charge off for XX/XX/XXXX Account Type is inaccurate.XXXX reports Installment Account, XXXX reports XXXX XXXX Equifax reports Installment XXXX # XXXX Delete this account for inaccuracy because Date of Late Payment reports inconsistent dates. XXXX reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX, Equifax reports late on XX/XX/XXXX XXXXXXXX XXXX # XXXX Delete this account for inaccuracy because Date of Last Payment reports inconsistent dates. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act the creditors has violated my rights. 
Under 15USC1681 section 602 states : I have a right to privacy. 15USC 1681 Section 604A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions. 
Under 15USC1666B a creditor can 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 2023-03-20 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: TX

Complaint narrative:
The address listed 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 2023-03-20 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I have an Apple Goldman Sachs card. I booked a hotel XX/XX/2022 for a stay at the XXXX XXXX through their XXXX XXXX XXXX website for XXXX XXXX XXXX The cost was {$1000.00} I canceled this reservation on XX/XX/2022. The cancelation deadline was XX/XX/2022 ( 1 day before arrival ). The hotel charged me anyway and I disputed with Apple Goldman Sachs. The hotel provided their stance on the dispute which was that there was no cancelation allowed due to it being the XXXX XXXX XXXX  and also that I booked from a third party and there is not cancelations allowed. I did not plan a stay at this hotel for the XXXX XXXX XXXX and a quick XXXX will show you that the XXXX XXXX XXXX was in XXXX. My stay was in XXXX. I also did not book through a third party. I booked directly through XXXX XXXX XXXX website for XXXX XXXXXXXX XXXX stay. Another quick XXXX will show that is the only way to directly book at this hotel. I provided screen shots of all of this to Apple Goldman Sachs and they have not done one ounce of research for me at all. The dispute gets denied and I open it up again. I ask for proof from the hotel and each time they state they investigated yet they still send me the same notes as the first dispute. This has been going on for months now. I am so upset that Apple Goldman Sachs has not done anything on my behalf. I do not carry a balance on this card and I also have amazing credit. I need help with this investigation and Apple Goldman Sachs to do their due diligence on my case. They have done nothing. Every time I call, Apple agrees with me, they send me to a Goldman Sachs rep and they also agree with me. What is going on???? You are allowing this specific hotel to rip people off and Apple Goldman Sachs is not doing any investigation when I am showing fact and the hotel is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.

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