vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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:
I have noticed personal information that should not be furnished on my consumer report. I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. 
they are in clear violation of theese laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ),

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 2023-02-21 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: AZ

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX , XXXX. XXXX {$9100.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$8000.00} XX/XX/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 2023-02-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of the accounts on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX., XXXX, IL XXXX. I recently received a copy of my consumer report and noticed that some accounts on my report should not be there. As per the Fair Credit Reporting Act ( FCRA ), I demand that the below accounts be deleted from my consumer report immediately. 

Furthermore, I would like to bring your attention to the fact that reporting these accounts is a violation of 15 US Code 1681. 

The following accounts are reporting inaccurately on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XXXX Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX, WI XXXX - Resident type : Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX, Additionally Previous Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please remove these accounts from my credit report as soon as possible . Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: IL

Complaint narrative:
I am writing to dispute the accuracy of the accounts on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX., XXXX, IL XXXX. I recently received a copy of my consumer report and noticed that some accounts on my report should not be there. As per the Fair Credit Reporting Act ( FCRA ), I demand that the below accounts be deleted from my consumer report immediately. 

Furthermore, I would like to bring your attention to the fact that reporting these accounts is a violation of 15 US Code 1681. 

The following accounts are reporting inaccurately on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX, WI XXXX - Resident type : Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX, Additionally Previous Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX Please remove these accounts from my credit report as soon as possible . Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-21 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I was supposed to be staying in an XXXX XXXX in XXXX XXXX for 7 days. We didn't arrive until the morning of XX/XX/XXXX, and noticed a lot of things that were wrong with the listing we purchased for the 7 days we would be there. Unfortunately, there was a lot of false advertising with this space and we decided to inform the renter and the customer service on the XXXX XXXX  app. After days trying to reach someone in the customer service department of the app we were left having to find somewhere else to stay. 

I initially requested a refund via the renter and filed the claim with the company. They chose to deny my claim with no just or lawful reason as to why. I requested the proof provided to deny my claim in writing and have not received anything from my request. This matter has put my personal checking account in default and negative by {$650.00}. I am requesting that this amount be readjusted and returned to my account as is violates my consumer protection rights.

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 2023-02-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Checked report and saw lots of negative items and derogatory inquiries that have no knowledge of. Tried contacting these collection agencies and debtors to no avail.

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 2023-02-21 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication.

You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates.

2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report.

3. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

FInd Attached the letter from XXXX  XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We had a mortgage with Wells Fargo beginning in XXXX. In XXXX my husband had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX leading to a long hospital stay then XXXX  months of home confinement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the battle with the XXXX had finally been won the XXXX  XXXX specialist cleared him to begin XXXX XXXX  and a home program and was finally cleared to go back to work after another XXXX months. 

One year had passed with no work or paychecks and with 2 college tuitions it became very difficult to stay on top of our monthly expenses.

Then the real estate market crashed with my husband a XXXX  and me a XXXX  he was forced to file for unemployment until that expired in XX/XX/XXXX. 

In order not to default on our mortgage we were forced to wipe out our entire savings account, cash in both our XXXX XXXX  's and even sold some of my jewelry to stay afloat. 

We contacted Wells Fargo on many occasions with of course no resolution. We were advised to meet us with XXXXXXXX XXXX XXXX XXXX  XXXX to work through a loan modification. I have a binder full of documents that were submitted over and over again to Wells Fargo and what did they come back with for a solution? # 1 We were spending too much money on groceries and # 2 give us a 6 month moratorium on payments but at the end was a balloon payment for the full amount! They just had us go through the motions with NO intention of modifying the loan.

During this time we had to put our house on the market ( remember it was during the real estate crash! ) and ended up selling it like a fire sale and losing over {$75000.00}.

Had we received the modification we could still be in our house that we built back in XXXX with no mortgage instead we had to sell the house at a loss and at XXXX XXXX XXXX we will NEVER recover from this. Although President Obama had pushed these mortgage companies to do right by their clients they never had any intention of providing any relief. 

I had submitted a claim to you but you " closed '' the complaint when Wells Fargo said they only hold records for 7 years and couldn't " find '' our account. Serioiusly??? That was a sufficient reason to close the file? They are one of the worst companies for so many ways they have screwed their customers and should not be allowed to continue their illegal tactics. How is it they only keep records for 7 years? How does that work in fixing their past mistakes without any records? 

For their convenience here is my mortgage number they " couldn't find '' XXXX. 

BTW the XXXX XXXX  XXXX XXXX admitted they only had ONE modification out of the hundreds that applied.

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 2023-02-21 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: AL

Complaint narrative:
I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  NA Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!

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 2023-02-21 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: FL

Complaint narrative:
I have a few wrong addresses and wrong names in my account I will like to get remove asap

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am highly irate due to Discover Bank continually putting my payments in a hold for eight days when I've never bounced a payment. This is absolute discrimination and other consumers are facing the same dilemma. Some consumers don't go through payment review and their payments bounce back. Please do investigate this as in my opinion this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: PA

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15usc 1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end and consumer plan as late for any purpose. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: FL

Complaint narrative:
I was charged thousands of dollars by XXXX XXXX XXXX and Wells fargo refused to initiate the claim process for the said funds. 

I asked multiple times in which they stated since they texted me a varication code, that the charges were valid when they were NOT. 

I want the charges refunded back to me. 

Wells Fargo now has told me they are closing my account because of a security risk. The disputes against XXXX XXXX coins were indeed valid and need to be credited back to me. 

I would like my money and my accounts to remain open

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