vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: GA

Complaint narrative:
The information relate to this account does not relate to any transaction ( s ) that I have 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I open an account with upstart finance back in XX/XX/XXXX, the loan has since been paid off in XXXX, I called Upstart to request a pain in full letter from them, I spoke to several customer service agents, at XXXX, I was told that it takes XXXX hours to get a letter sent out via e-mail, that they would have to put in a request to their back office. I asked them why it takes XXXX hours to have a letter sent via e-mail. the customer service agent said that was their policy, I called them on XXXX the XXXX, as well as on XX/XX/XXXX. I have not been able to receive a letter of account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In approximately 2016 i opened a business checking account with Wells Fargo. My " personal banker '' proceeded to set me up with a checking account and associated savings account, plus an IRA account. I never requested these savings account or the IRA account. I protested the IRA account saying I had never requested it but no one seemed capable of resolving the matter so I let it pass and left approx {$3500.00} in the account. 
For some time now I've been trying to get the funds out of the IRA account but Wells Fargo consistently says the " back office '' has not approved release of MY funds. I've been patient, signing various release docs and speaking with numerous individuals. Until recently, I thought it was the typical bank bureaucracy getting in the way. However, today I was told I need to sign a New Account doc in order for them to approve the release of the funds and I realized they want me to sign this doc so they have documentation of my request for an IRA account. They don't have the documentation because I never requested the IRA account. THis is proof that I never requested deposit of my funds in an IRA account. So, in addition to what I believe is the illegal deposit of my funds in the IRA account, we have a catch 22 situation where they have no record of my approval of the account which prevents them from releasing my funds. In order to resolve this situation they want me to sign a new accounts document so they have my signature on recorded for requesting an IRA account. Kind of proves my point. This is systematic manipulation of the system resulting in continued use of funds by Wells in spite of clear demand for return of client funds. I am not alone. 

I'm filing this complaint because I believe others have been treated this way by Wells Fargo. I had a an offhand conversation with my neighbor about this situation and she said she was in the same situation and not able to get her funds. Wells Fargo appears to continue to be the corrupt bank they have proven to be over the past decade. Unfortunate.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout 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 2023-11-06 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: IL

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 USC 1681 section 602 A.States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 USC 1681 section 602 A.States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX XX/XX/23, CAPITAL ONE FINANCIAL repod my car, and took it straight to an auction lot XXXX XXXX hours away from where I reside, after my account was charged off on my credit report. A charge off means they were paid. They then hired a 3rd party company to steal my property. Without notice. They offered me no help in finding out where my car was located at for XXXX weeks. Nor has anyone been able to inform me what happened to my personal property inside the car. XXXX representative told me then can sell my car whenever theyd like. So apparently I have no rights according to Capital One Financial. I called multiple times, each time being a long drawn out frustrating experience, XXXX hours on each call without gaining any needed information. I was told if I did not give them my social security number, or account information, on the account they closed, they had to disconnect the call with me. I have requested multiple times my original contract, my original promissory note, from the employees in the presidents office, And case manager, which I still have yet to receive from them, in order to verify proof of debt owed, or proof of funds I supposedly received for said loan from them. They were not at the dealership upon the business of my promissory note signature. They are holding me and my ability to travel & self sustain at ransom, for presumed said past due amount. Even after reporting charge off & closing of account to credit bureaus, which they took no responsibility for doing when addressed. I have rights, and am the owner, & beneficiary of my property. They have committed conspiracy against me, and no corporation has more rights over my securities & equity than I. I never received the right to dispute, nor any due process for such harm caused upon my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: DE

Complaint narrative:
Over 10 years ago, we had an issue with an account with XXXX. We used an account with them to purchase a computer for our daughter, but it was paid off within a few years. Then, we started getting collection calls and letters about charges on the account we did not make. It took us over XXXX years to finally get the account off our credit report. 

Last month, we received notice the account had been " sold '' to a collection agency. We immediately reached out to let them know that this account was well over the statute of limitations and had been deemed not to be ours a decade ago. 

Today, we got a letter from Credit Control LLC demanding payment even though their letter indicates the debt can not be collected and is past the statute of limitations for a lawsuit. This is predatory debt collection as we proved XXXX years ago we did not owe this money.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX has been completely unresponsive since XX/XX/2023 when they unauthorized a transaction out of my checking account. They closed everybody 's accounts without warning and pulled my entire balance from my card. I filed a dispute with my bank on XX/XX/XXXX, and they were able to stop the payment and refund my money. I attached a document from my bank ( XXXX ) that they did a thorough investigation of this company and realized that my complaint/claim was legitimate so they allowed me to keep the temporary credit they provided for me. I know thousands of people have tried contacting XXXX XXXX 's customer service, including myself. I legit have either called or emailed their collections department, or their customer service department XXXX times. I attached the email showing that my card would no longer work. This company is a bunch of crooks. Luckily, they do not owe me any money. However, I know of people who they owe thousands of dollars and all they get is an automated email response. When you call this company, it is an automated message that states " No customer service agents are available at this time. '' I've called several times at different times of the day, and different days of the week. It's been the same story. 

Moral of the story is, I do not want my credit report negatively affected. I already have a dispute filed through experian, but I want to take the next step in order to protect myself further. Please help me, I can not afford my credit score to be impacted.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I reviewed my Consumer Report and noticed Inaccurate Personal Information on their that needs to be updated.

Their should only be one name, phone number, Address, email Address. 


Please remove All other Inaccurate personal Information!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2023-11-06 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: NY

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 explanation
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
I requested validation & verification under the fair debt collection, practices act for several different accounts, which they did not provide any verifying information whatsoever.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 USC 1692C C 15 USC 1692 G 15 USC 1666 15 USC 1666B ( a ) Section 607 15 USC 1681 ( E ) XXXX, XXXX XXXX and Equifax are direct violation of laws passed by Congress FCRA. I have disputed these accounts multiple times, and they are ignoring the law in relation to my consumer rights. Theyre only response has been we have verified the information theres no name theres no documentation theres no balance sheet. Theres nothing whatsoever that can factually attach me to these alleged accounts that they are claiming belong to me and our negatively reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I asked for a copy of the bill, which has NEVER been sent to me, I will not pay Kohls unless they send a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aspen Yo LLC
State: MD

Complaint narrative:
First, they take at least one hour or longer to answer. And whoever answers I ask to speak with Loss Mitigation and they told me no department like that exists. I feel that they don't want to help me. My wife and I have been XXXX XXXX XXXX XXXX XXXX. we don't want to lose our house. we have no where to go. I am XXXX and my wife is XXXX and we are both XXXX. 

First I was told no sale date and now I told that I do have a sale date on XX/XX/14, but I never received any papers telling me this. 

I did get papers from a law firm and I called them and they told me no sale date. I don't know what to do. 

When my loan was sold to Gregory Funding from XXXX XXXX, my loan payment went up {$600.00} but they did not explain for what- my property taxes did not go up that much and I pay my own home owners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 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 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been goin on for yrs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: IL

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. 

Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-06 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: IL

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. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
This is my third or fourth complaint submitted to the CFPB regarding XXXX, as well as, Experian, and the mistakes they need to correct on my credit report. I have been back and forth with many of their customer service representatives and have also reached out to their management via email. I was told that I would receive and update after the pending reviewal of my credit report and the corrections to be made. Although, I never received any update besides the response they gave to my previous complaint to the CFPB and no corrections were made on my credit report. 

I am a victim of ID Theft and am including the documents I have as proof. My personal information has been compromised and used by someone other than me and they opened fraudulent accounts without my authorization. 

The following accounts were opened fraudulently without my knowledge and must be DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX {$2700.00} XXXX XXXX XXXX  XXXX {$10000.00}

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