vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: NM

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXXXXXX 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 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/2023 ( THIS IS NOT MY DEBT )

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 2023-04-11 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: RI

Complaint narrative:
on XX/XX/2023 i sent Experian and XXXX a FTC identity theft report along with : proof if identity, 2 proof of address, a pending XXXX police report and a letter to each stating that my ex partner ( mother of my son, whom i shared a home with for 6 years ), used my information to open credit cards and loans under my name. she has since left the home and i do not know about her whereabouts. 

Experian replied that the police report was missing an officer name and badge number, XXXX police has sent me the final police report which has that information. they said the FTC report needs detailed info about the theft. it is included : accounts, dates, amounts etc. i have even sent extra proof of address to them. 

XXXX replied back with a affidavit form that i have signed and notarized and have also sent back to them with proof of identity, and proof of address and the final police report. 

i have notified every company reporting these fraudulent account and not even them have given me the hard time that experian and transunion are giving me. 

i have complied with every piece of information they have asked from me and the continue to report these accounts on my credit report. i am a songle father to a XXXX XXXX XXXX XXXX son. im having a hard time financing things that he and i need because of these two credit bureaus. attached is every single document sent to them and their reply. 
XXXX Account Number : XXXX {$4000.00} XXXX XXXX  Account Number : XXXX {$2000.00} XXXX Account Number : XXXX {$5200.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$27000.00}

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 non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: CA

Complaint narrative:
Biehl and Biehl called me today and asked me to settle a debt- for {$88.00} to their client XXXX. 

I said Im not a XXXX customer so what is this about, she said its a package you received that wasnt paid enough on. I said ok from who and when, she started shout I can see we wont resolve this amicably so Ill report you to the recovery department. 

I said Im asking for proof of dept because I dont have a XXXX account and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone is trying to open accounts and credit cards in my name and trying to get loans under my name from bank accounts including XXXX, wells Fargo.

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 2023-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX clearly have no respect for the laws. Per my previous dispute Experian claims the account for XXXX XXXX XXXX came back verified. How can this account be accurate if the balance is still incorrect. I demand that Experian and XXXX update the correct balance for this account or remove the account from my consumer report due to the account balance being incorrect. I have attached a copy of both of my credit reports which proves a reinvestigation was not done.

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 2023-04-11 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: A&D Mortgage LLC
State: FL

Complaint narrative:
A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit 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 explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is SECCREDIT account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and XXXX have thisnkaited as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has cashed me a lot of pain and stress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I left a bank because of their service. XX/XX/XXXX I opened two checking and one savings at Wells Fargo and have been had trouble with their fraud department three times in the last two weeks, second time they caused me to bounce two checks ( I have never wrote a bad check in my 75 years ) and then today XX/XX/11 XXXX XXXX  I got a message left on my phone to call the wells fargo fraud dept before XXXX XXXX that night or call my banker and give them a code number they gave to me so quick that I had to list to it twice to get it written down. I called my banker told her what they said and she said she would call them and call me back. She called back and said I still had to call them about the issue. I called and I ask what was wrong and they said there was a {$300.00} check that they were looking at. I asked why and they said that i had written two check with the check numbers far apart and they were going to stop payment on this check. I told them I couldnt believe that was the problem. I told them I put a check book in each vehicle and that was why. I couldnt believe that was it and after I hung up I wonderd why that were looking at my account, I cant believe it was the two check problem. If I had a bank in the area I liked I would move again and that is not easy. I want an answer to why they were looking at my account

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 2023-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I bought a XXXX XXXX in XXXX of XXXX with a loan from Ally and the vehicle was totaled in XX/XX/XXXX. XXXX XXXX reached out to Ally financial to get a total payoff for the vehicle and paid Ally the amount they gave travellers insurance around XX/XX/XXXX. Ally didnt contact me until XX/XX/XXXX when they said I still owed {$360.00}. When I was contacted by Ally I asked where that amount came from and after sitting on the phone for over 2 hours they told me it was from a missed payment in XX/XX/XXXX but I didnt take out the line of credit until XXXX XXXX. In the 6 months following Ally called me multiple times a day from different phone numbers and never left a voicemail. Now in XX/XX/XXXX I am being called by debt collectors trying to collect the amount of {$360.00}. Ally had hit my credit multiple times for this until charging it off as bad credit sometime in 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 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Hi, I paid this loan off for the payoff amount that was given to me in XX/XX/2022 in the amount of {$5600.00}. Afterwards, I was told that I still owe over {$1000.00} more for interest. One Main Financial is ripping people off after they're getting paid the money. I spoke with several associates/managers and even Corporate people but still nothing. Even when they were getting paid by the insurance company while i was out of work due to XXXX, they still reported me to the credit bureaus as non payment. I am not paying them anymore money, esp when I've paid them more than the actually loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: LA

Complaint narrative:
Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics.

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-11 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: LA

Complaint narrative:
Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics.

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-11 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: GA

Complaint narrative:
XXXX and Transunion clearly have no respect for the laws. Per my previous dispute XXXX claims the account for XXXX XXXX XXXX came back verified. How can this account be accurate if the balance is still incorrect. I demand that XXXX and Transunion update the correct balance for this account or remove the account from my consumer report due to the account balance being incorrect. I have attached a copy of both of my credit reports which proves a reinvestigation was not done.

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 2023-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: KY

Complaint narrative:
XXXX XXXX sent me a letter saying that his company helps lower student loans. Turns out hes a scam and he has all my information. His email is XXXX and his phone number is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IN

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-04-11 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: PA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are. 
reporting inaccurate information in the personal information section. To diminish speculation my information is as follows. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. 

My address should read : XXXX XXXX XXXX. 
XXXX Pa, XXXX Social Security XXXX Please remove ANY other information you are currently reporting as it is NOT accurate. 

I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,

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