vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have a credit card from DISCOVER BANK account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called DISCOVER BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for an Ulta credit card XX/XX/XXXX, I was approved so the {$75.00} would be charged to my new credit card. I never received the card or a bill.. It wasn't until I received an alert from credit monitoring on XX/XX/XXXX, that I was able to find the customer service number and pay the balance on the account which was now {$100.00} from late fees. I informed them that I still haven't received a card or a bill it isn't fair to charge me fees. She did nothing. The next day ( XX/XX/XXXX ) I was charged a {$2.00} finance fee. Still no card or bill, but I did receive a {$30.00} late fee from XXXX for paying the balance in full 4 days late, a late fee on the {$2.00} finance fee, {$40.00} late fee on XX/XX/XXXX and a {$2.00} finance fee XX/XX/XXXX, a {$41.00} late fee on XX/XX/XXXX, {$2.00} finance charge XXXX-all for an account that they assured me was paid in full on XX/XX/XXXX, again no card, no statements and no new purchases-just a huge drop on my credit score for non/late payments which I never do. So again my credit monitoring alerted me of the negative reporting and I looked it up and on XX/XX/XXXX paid the entire amount all late fees and finance fees totaling {$120.00}! I made the representative confirm there would be no additional fees and please close my account, their business practices don't seem ethical or legal. On XX/XX/XXXX, I received a letter from Comenity Capital Bank stating my account is closed, current balance is {$0.00}, but on XX/XX/XXXX I received my first bill ever with a {$2.00} new balance due XX/XX/XXXX or a XXXX late fee will be charged ( on my account that was closed and had a XXXX balance ) and the lady confirmed today my card still has not been activated!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05 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 — Problem with personal statement of dispute
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
I am a XXXXXXXX XXXX XXXX and upstanding citizen. My wife and I wanted to bring about positive change to our environment. Set a good example for our children. We wanted to be a part of change and ensure economically we would see some benefit down the road. We purchased an electric vehicle that has now been lemon-ed and purchased solar panels whom we believed to be a reputable company due to their relationship with many large organizations like XXXX. 

Goodleap  formerly Loan Pal was the lender for XXXX XXXX formerly XXXX XXXX XXXX. 
This lender is a predatory lender by definition, as they were continuing to provide loans and funding for services that were under investigation by a company that was being reported to them consistently. They continued to lend at higher rates than the market average and continued to allow XXXX XXXX staff to manipulate data to push these loans through. They performed no safety or secondary accountability measures that would be expected for a loan of this size. 

When the Attorney General of XXXX  stated for consumers to stop paying, they then reported our account to our credit agencies even after disputing the account, my excellent credit history has now been significantly damaged. 
I am now ineligible for certain career options I was attempting to inquire on. 

My system is still not functioning as detailed when contracted. Our system is considered a fire hazard as it was built inside the home without the required fire wall and equipment necessary to ensure the home is protected from damage. 
There is damage to our roof. The batteries are no longer producing as expected. 
XXXX XXXX XXXX XXXX has declared bankruptcy, therefore their warranty is now non-existent, which per the contract is supposed to go to Goodleap, and yet they are continuing to state they are not responsible for getting our home safe and will not settle the debt with us, so we can use our own funds to ensure our home and family 's safety. 

Meanwhile, XXXX has a role in this as well, as their equipment is faulty and they have done very little in ensuring this is addressed appropriately. 

We are stuck with a loan for equipment that is not safe, has brought damage to our home, and has not saved us any money on our energy consumption or costs. 

It was only after stopping payments as advised by XXXX  Attorney General, that they finally sent someone out to look at our system. However, we then agreed to pay in hopes of getting our system fixed or a settlement as even XXXX whom they sent out already stated it was not up to fire code, and could not fix the issue we were having. 
They still submitted notice of non-payment even after we paid to the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On around XX/XX/2022 Midland Credit Management and myself Mr XXXX XXXX came to an agreement to settle one of my credit cards debt through a plan arrangement by agreeing XXXX make payments of XXXX dollars per month since then I have no missed one payments.but I have notice my credit have not been updated since then.I tried to contact this company and they always talk me they are going to update and there never do.The reason Im contacting you is because I would like for this company to star reporting my account to the three major credit bureau for monthly updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a natural person, I have rights under 15 USC 1681.

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

XXXX  is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : Account:XXXX  Account:XXXX  Account:XXXX**** Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give XXXX my written permission or consent to furnish these accounts.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 2023-02-05 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: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX. XX/XX/2021 I do NOT recognize these credit inquiries nor do they belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am attaching additional information/documentation that highlight that Wells Fargo made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from Wells Fargo on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, Wells Fargo indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

Wells Fargo stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single XXXX of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my XXXX accounts with them opened in XXXX, which is around XXXX  years prior to me having an auto loan with Wells Fargo. In this verification letter, there is not XXXX account that I own that ends in XXXX. 

This connects to Wells Fargo having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the XXXX payments made to the account from the checking account ending in XXXX. 

This bank error caused my credit score to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I did not authorize these accounts. these accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I did not authorize these accounts. these accounts are fraudulent.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report.

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 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Sent a court judgement to an address that I have not lived at for 2 1/2 to 3 years. This is a desperate attempt to reactivate a debt that does not belong to me. They took money out of my bank account in 2018 which is obviously 4 years ago almost 5. They sent a notice to an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-05 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: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report.

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