vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I went into an agreement with this company to settle a debt that was charged off. I was told after I paid the settled amount, my balance would be {$0.00} and I would no longer owe the company. The company instead reported a different amount to the credit bureaus and now requesting the credit bureaus get customer authorization to discuss the account. When I call Amex I get transferred all around and never receive any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 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: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2021, LexisNexis. LexisNexis is braking the Fair Credit Reporting Act law. 15 U.S code 1681- ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have attached a letter that LexisNexis mailed me stating that they purchased bankruptcy information from XXXX. LexisNexis did not get my XXXX XXXX to furnish a bankruptcy on my consumer report. LexisNexis DELETE this bankruptcy from your data immediately. LexisNexis reports this bankruptcy to XXXX, XXXX and XXXX as well. This company is braking the law!!!!!!!!!! I have attached documents of proof. I have attached my ID, XXXX XXXX card, and most recent Utility bill for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
I am filing a complaint against ERC because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : ERC, Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MN

Complaint narrative:
On the XXXX day of XX/XX/2021 XXXX putting you on a full legal warning if the public record is not remove from my credit file in 10 business days you will suffer the Consequences of a lawsuit you have committed multiple violations of the FCRA in this includes US C 1681i failure to conduct a reasonable investigation. Acting willful and reckless and negligence with reporting I have requested specific information from you using the method of verification FCRA verification you had 15 days to respond under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 day you have failed to comply with any if not all federal laws. 10 days legal action will be applied and this will include attorney fees pain and suffering and proof of willful and reckless credit reporting you have been been sent factual base disputes showing the inaccuracies all I asked you to do is verify the information with the clerk of court with the name and phone number of who you spoke with but you just can not supply me with that information. The public record is consider unverifiable if you are unable to verify the information with the clerk of court pacer is a 3rd party vendor I have told you over and over pacer is reporting inaccurate dates how can you verify inaccurate information without going to the source? thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a case that reveals why identify theft is so rampant -- because it has high reward and low risk. 

My new Wells Fargo XXXX XXXX  was intercepted before getting to me. Approx. {$3000.00} worth of charges were put on my account. After filing a claim with Wells Fargo, they refunded a small portion, but refuse to refund {$1900.00} of fraudulent charges. The reason cited was simply that " the transaction was authorized ''. No other explanation was given. 

I called the XXXX  department 3 times ; each waited one hour and had to give up. I then called up Wells Fargo customer service. The XXXX said she will bring on a XXXX  department staff, but returned with only an explanation for the denial -- XXXX would not refund Wells Fargo on those charges. 

I explained that I never got the card ; customer service rep said they will review this fact.

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 2021-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Received a text from XXXX that someone opened an Account with XXXX XXXX  and TD bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 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: TX

Complaint narrative:
I noticed fraudulent accounts on my consumer report. The major 3 credit bureaus, Equifax, XXXX, and XXXX are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a bank account with Chase back in XX/XX/2021. I never received a debit card and rarely accessed online banking. Then I called Chase and I ordered a new debit card because I never got one. Then there was a check that was deposited which I dont know how it got deposited nor do I Recognize this check at all. I guess there was a hold put on it, and the check was not good and no money was available so I was not aware of this. Then I tried to use mobile banking after I got my debit card, I tried to deposit my XXXX  financial aid check but I didnt think it went through, so I cash it at another bank, and then it came back returned through Chase . I guess at that time they put a restriction on my account that I was never notified or aware of. Then I got a job and set up direct deposit with his bank. When my direct deposit went through with my employer, I couldnt use my debit card or pull money out of my account because it was restricted. I went into the Chase bank on XXXX XXXX in XXXX CA and talked to a banker who said they needed to verify the original holders of the checks that were deposited in my account before they could take the restriction off. I could give them the information for the financial aid check but I dont recognize the first why did I think there was attempted fraudulent activity that was used on my account. Now theres been two deposits from my employer that I dont have access to any of these funds and I dont have any money now to pay my rent. My account is not overdrawn and I told them to just close my account if they cant give me my money and return it to my employer so that they can re-issue it to my other bank. They refuse to do so I need help please. I work for this money there is no reason why they should be trying to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TX

Complaint narrative:
I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 

On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. 
XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 
XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. 
XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. 

Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by Experian. 

So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. 

Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability for.

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 2021-12-25 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: TX

Complaint narrative:
I noticed fraudulent accounts on my consumer report. The major 3 credit bureaus, XXXX, XXXX, and TransUnion are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.

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 2021-12-25 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: TX

Complaint narrative:
I noticed fraudulent accounts on my consumer report. The major XXXX credit bureaus, XXXX, Experian, and XXXX are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.

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 2021-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
Since XXXX of 2021 I have been receiving numerous phone calls from a company called McCarthy , Burgess & Wolf stating that they have been hired by a company called XXXX XXXX and that I owe a debt that needs to be paid. 

I have asked numerous times for the XXXX, XXXX XXXX McCarthy , Burgess & Wolff to provide me with proof that I am the person they say owes this debt with my signed signature pertaining to the matter. 

McCarthy, Burgess & Wolff continuously calls me and asks me for my attorney 's name and number and I don't know why. And they can't prove they have a contact with me.This account started out with a balance owed of around {$5000.00} and now I am receiving letters in the mail that the balance is now {$15000.00}. I am terrified and troubled with the financial XXXX and harassment they have added to my life. 

I have sent letters to all parties involved within the last 60 Days asking that this information be verified with me and I haven't received verification yet. This account needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 

On XX/XX/XXXX American Express filed suit against on credit card balances arising from XXXX American Express card accounts ending in XXXX and XXXX. 
XXXX. American Express was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 
XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. 
XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. 

Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by XXXX. 

So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. 

Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I was contacted by a company a few days ago saying i owes a debt I XXXX XXXX told that company i have no knowledge of this debt that i been a victim of identity theft and thats wasnt my debt they told me they would be places this on all three credit reports and dismissed the call this debt just appeared on my credit report with XXXX  and XXXX i will like this debt removed because its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest has issued XXXX unauthorized charges from the checking account that I use to pay my car loan with them. I use this checking account to pay my car loan online every month and I pay my full payment amount every time, and yet these additional and unauthorized charges keep happening. I do not owe them any additional money, so I do not understand why they keep taking money out. I also do not have auto-pay set up and never did. All charges are supposed to be initiated by me when I decide to pay. After the second time it happened, I unlinked the checking account information from my online profile with them in hopes that they would no longer be able to pull money from that checking account. However, they must have my checking account information saved somewhere else as they have just taken money from me again for the third time. I have tried contacting Bridgecrest directly about this problem but they tell me each time that they can not see these charges. My bank has confirmed that the charges are indeed from Bridgecrest. I sent Bridgecrest copies of my bank statements as proof that they are taking the money from me. I have also filed disputes about the charges with my bank. Bridgecrest has not helped me and maintains that they do not know how this is happening, so the issue never gets fixed and my bank account keeps getting money taken from it. I suspect they have my checking account info linked to another customer 's account and are wrongfully using my money to pay another customer 's bill or that they have a duplicate account for me setup somewhere with my checking account linked and are charging that account. Either way, there is some type of error with their billing which they refuse to investigate and I keep getting money stolen from my checking account as a result. On XX/XX/2021, Bridgecrest.com took {$130.00} out of my checking account in an unauthorized charge. On XX/XX/2021, Bridgecrest.com took {$100.00} out of that same bank account in another unauthorized charge. My bank was able to reimburse me for these charges after filing disputes with them but it took XXXX weeks each time because Bridgecrest themselves refused to help me or return the money. And on XX/XX/XXXX, Bridgecrest.com took {$190.00} out of my checking account in the third unauthorized charge. I have contacted Bridgecrest again and am waiting for a reply. I am also attempting to dispute this charge with my bank but I will have to wait as it is XXXX day and all the representatives are unavailable.

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 2021-12-25 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Due to a financial XXXXy in late XXXX, I entered into a monthly payment agreement with American Express for 8 months. American Express agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial XXXX. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, American Express recorded this period as late payments on my account, even though I was paying the minimum amount Amex and myself agreed to. This is inaccurately reported on my XXXX, XXXX, and XXXX credit scores. I have disputed this item several times, and American Express does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my XXXX, with an unreasonable interest on our home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TX

Complaint narrative:
I was taken advantage of due to XXXX. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of XXXX  of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any 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 2021-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my XXXX, TransUnion, and XXXX credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.

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