vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A.
State: NM

Complaint narrative:
On XX/XX/XXXX, I called PNC Bank to make a payment to an auto loan. Somehow the inaccurate checking account number was entered. 
I updated the checking account and payment regarding loan and late fees. 
As a result a late payment was added to my credit report. This is the only late payment due to the situation. 
On XX/XX/XXXX, I sent a fax following the phone call with PNC Bank to its Consumer Credit Bureau Investigation. 

On XXXX XXXX I called regarding the status of dispute and I was told company never received letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I mobile deposited a check from old apartment into my checking account on XX/XX/2023. I received an email about my check stating when the available funds will be in my account ( no reason, assumed because insufficient funds which is reasonable ) on XX/XX/XXXX, which is about 7 days. After said date, the funds were " available '' but not accessible to me. I called capital customer service multiple times, and their reason was stating that the check XXXX was named differently than the company. Then when I provided a phone number for them to call to verify the company, capital one said they needed a " direct line '' to the accounting department of the company because the home number was not " verified ''. Which confused the realty company because the number I provided was the home number for all departments. Capital one has two recorded phone calls of me doing so.I have repeatedly checked to see funds available, and they were not until the week of XX/XX/2023. I was also not provided a hold deposit form which is required by banks with a 7 day hold. This cause me to be short on money for necessary things such as bills, daycare, and rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XX/XX/XXXX  - email from NewRez LLC ( a division of Shellpoint Mortgage Servicing LLC ) stating no record of monthly mortgage payment of {$1400.00} due XX/XX/. 
XX/XX/XXXX  - I called their number XXXX with questions. Immediately it was assumed my loan was delinquent and I was read " by Federal law '' that this was an attempt to collect a debt. We went through the details of the check ( amount, loan number, payable to, to where was it mailed ), and it was all correct. I stated I have proof from my bank that NewRez LLC processed and cashed the bill pay check on XX/XX/. Was told to fax the proof, I stated I do not have access to a fax, was then told to upload document into their website portal within my account. From my bank, I obtained the proof of cancelled check ( front and back showing it was cashed ) made out to NewRez LLC and mailed to their correct address, saved it as a PDF and uploaded it as requested. 
XX/XX/- received another email with a new billing statement from NewRez LLC. I assumed it would now be corrected and the new monthly payment due XX/XX/, but when I went to my online account it is another statement saying due XX/XX/, and that the last payment NewRez LLC received from me was XX/XX/. This is false, and they have received proof that they processed my check for the mortgage payment due XX/XX/. I started an online chat within my account, and was told by rep XXXX XXXX that they did not have a record of this proof yet and was again read " mandatory by Federal law '' that this was an attempt to collect a debt. XXXX stated it takes 24-48 hours for them to receive my proof, and that statements are entered manually. I asked why I received another statement due XX/XX/23 if they are entered manually, if they are waiting on my proof. XXXX apologized but that there was not anything else that could be done until they received proof, and that the proof would be coming from another third party. 
In the meantime, my bank has now just processed XXXX 's monthly payment to NewRez LLC, as usual, but I am afraid that the same thing is going to happen. 
It may be worthy to note that my mortgage was recently sold to NewRez LLC ( a division of Shellpoint Mortgage Servicing LLC ) by XXXX 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
Signed non disclosure with property management to terminate lease without penalty or fee Moved out of XXXX XXXX XXXX in XX/XX/XXXX Paid remaining rent in the amount of {$1000.00} on XX/XX/XXXX and received confirmation from them that it had been paid Sent to collections for {$1000.00} on XX/XX/XXXX Called the property manager and e-mailed to which we were told it was a mistake on their end and they would fix it. After a series of e-mails and calls for 2 months I sent a dispute on my credit file on XX/XX/XXXX to which the dispute was not resolved despite the proof of payment and confirmation from the property manager themselves! 

This amount is still on my credit report adversely impacting my score and financial stability along with my federal security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VT

Complaint narrative:
This debt was settled and paid. then they sold it to a new collections company, XXXX XXXX XXXX. This debt is not owed. I C SYSTEM can not collect the money from me, then sell it again.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents. 

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score. 

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline. 

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly. 

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights. 

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible.

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 2023-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The company claims that i owe {$4100.00} dollars to alleged apartment property complex with no financial proof. The company put this alleged debt on my credit report and is currently damaging my credit.

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 2023-09-22 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:
Experian : Has a past due account from XXXXXXXX XXXX that shows a delinquent status. I dispute the account and it was removed On XX/XX/2023 report. Experian then put the account back on my XXXX report. A direct violation 15 USC 1681. Experian also, failed to notify within the 15 day window as to why the account was put back onto my credit rep report. How was the investigation done. This is having a direct effect on my credit score.

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 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
there are in my credit report inquires i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
Documented that they call to collect a debt 2X a day minimum sometimes more 7 days a week, this is beyond harassment and has been brought to their attention on multiple occasions. This is just the phone calls and doesn't include the emails I receive as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 non-monetary relief
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
I am writing again this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/23 wire fraud occurred with our checking account. We immediately notified Wells Fargo this was fraud and to stop the wires. Notification took place via the phone as well as in the local branch in XXXX, Iowa. Wells Fargo took no action and proceeded to allow the wires to occur and funds to be withdrawn from our account. 

We have asked Wells Fargo to provide information regarding the notification, multi-factor authentication and any other notification that was give to us indicating we authorized these funds to be withdrawn. No information has been provided by Wells Fargo and we have been unable to speak with a representative of Wells Fargo even though we have attempted to contact a representative on multiple occasions. 

We need information showing authorization by us of funds to be withdrawn from our checking account. We ask that Wells Fargo provide this information in addition to speaking with us regarding the transactions.

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 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
There was an XXXX XXXX XXXX credit card opened in my name. That I did not open. It was in the past and there was a balance of over {$5000.00} dollars I didnt k ow about. It went into collections and there was a judgement passed and my assets are being frozen. Tried to dispute it in the past. I do not have any proof because it has been so long many many years. I dont know what else to do to resolve this matter. If theres any way some one can contact me thatll be great and I will be greatly appreciative. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was out of work due to XXXX and incurred late payments XXXX XXXX XXXX. I started back working and brought my account current in XXXX of XXXX and have not had any late payments since. I contacted Capital One on XX/XX/XXXX via email requesting a review of my account and to see if the lates could be removed since were due to my loss of employment because of XXXX. My request was denied even though they were added due to the pandemic.

Company response to consumer: Closed with explanation