vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX Card, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and, XXXXXXXX XXXX services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate

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 2023-01-23 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: GA

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate

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 2023-01-23 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: DISCOVER BANK
State: CA

Complaint narrative:
COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. Discover Student Loans took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services is seeking {$3200.00} for an account that was opened XX/XX/2022 with what looks like XXXX XXXX. I have never opened an account with XXXX or have I ever been late for any type of debt payments. Looking to get this removed from credit report as it is not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been disputing this account with Wells Fargo from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!

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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: UT

Complaint narrative:
Jacobson and Wright ( XXXX XXXX XXXX XXXX  ) left several voicemails on my father 's phone disclosing who they are, I had an account with them and that they were going to take legal action against me unless I called them back. Even after I called them and gave them my correct number they called my father 's number again and left the same message. When I finally got a hold of them I spoke to someone named XXXX and they threatened to pursue litigation against me unless I set up a payment plan with them. Before I paid anything I asked them to send me a proof of the debt, the contract I signed and their right to collect on the debt, and they refused to send me that and claimed they already had and went on to say since I was refusing to pay at that exact moment they were going to pursue litigation against me and continued to refuse to send me the docs that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In XXXX, I paid {$250.00} to have my house revalued to eliminate XXXX  payments. Wells Fargo accepted the payment and sent out a representative to value the home, the value did not come back sufficient as it was a basic evaluation tool used. I then offered to pay a higher fee to have an XXXX out to have a more complete value determined. At this point, Wells Fargo refused to accept my higher payment because now they stated that I did not qualify. I then asked to have my {$250.00} credited back since from there communication, was not eligible as well. they refused to credit me back the {$250.00} and ultimately I had to refinance my first mortgage to be able to eliminate XXXX. I feel that all money paid to WF to have my home reassessed should be credited back.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Around XX/XX/XXXX my ex girlfriend moved out of my residence due to the end of our relationship, she changed all my personal information on a credit card that we opened together and submitted to Chase Bank her own personal information without the bank notifying me that my PI was changed to my ex girlfriends information. She maxed out the credit card to an amount of over {$18000.00} around XXXX of XXXX and I was only notified by Chase Bank after the card was maxed out. Chase Bank informed and notified me of the change of the name, address and email address from my account, making it impossible for me to realize what was going on. Chase Bank declined to move forward in anyway even though several calls to the Fraud Unit and Dispute Team. Again, Chase Bank failed to notify me in regards to the changes of my personal information to my ex-girlfriend information and only made me aware of that after the credit card was maxed out by my ex girlfriend. My outstanding credit history was damaged by her actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been disputing this account with Bank Of America from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!

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 2023-01-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my XXXX XXXX. It needs to be removed. And find out who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: KY

Complaint narrative:
Have a freeze on credit report, checked on score for a loan. Credit report states there was a account opened on XX/XX/XXXX and first delinquent on XX/XX/XXXX, inaccurate information from a financial institution I disputed on XXXX with all 3 credit bureaus XXXX, Transunion, and XXXX and also disputed over the phone with Transunion. Reminded them about the freeze. Tried to add to my dispute that an inquiry was done also from a banking institution for a credit card on XX/XX/XXXX and XXXX online on all 3 credit websites was refused access so I called each one still no response, would answer the phone but no response. I wrote all 3 agencies an Investigation and Verification Letter and put it on the Consumer Statement Page asking for verification again that this account was opened on XX/XX/XXXX or Delete this account from my credit report., my request was not answered. I asked for verification or delete this from my credit report. Thank you for your time.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received checks for a well fargo account in my name that I did not own. XXXX would not help me.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Various dates and times not just overdrafting issues, bank fees and return checks

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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Down payment funds of XXXX were wired ( domestic ) from Wells Fargo to an XXXX dealership account ( Bank XXXX XXXX ) on XX/XX/XXXX. 
Wells Fargo XXXX # XXXX RFB # XXXX After a few days of back and forth with the XXXX dealership, on XX/XX/XXXX I recalled the wire of XXXX  because the XXXX dealership had still not received the funds in their Bank XXXX XXXX account. I did verify it was wired to the correct account number with the XXXX dealership. 
I was asked by Wells Fargo to allow XXXX business days for a resolution. They have already violated this policy. 
As of today XX/XX/XXXX, Wells Fargo has still not provided a resolution. 
I was given the run-around from Wells Fargo this XXXX speaking to at least XXXX different account reps. From my conversation with some of account reps, actions still had not been taken by Wells Fargo to retrieve and reinstate my wired funds. XXXX  is a large amount of hard earned money for me and is causing me XXXX and 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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I received my escrow analysis with my XX/XX/XXXX statement. Upon review of the escrow analysis I noticed a couple of errors. At the end of XXXX there was ample money to pay the property taxes and insurance. I should have been getting a refund for the overage. Instead, the company assessed a charge for taxes that is not mine and have increased my loan payment by over XXXX  per month to cover the alleged shortage. I have contacted the company in excess of XXXX XXXX XXXX XXXX  times since XX/XX/XXXX only to be bounced around from voice mail to voicemail. Allegedly, return calls are made between XXXX hours. The last call I made was on XX/XX/XXXX. As of XX/XX/XXXX, I have not received a call back from someone to assist me with my inquiry. 

I have, however, received XXXX ( XXXX ) emails with surveys on the service I have received. In BOTH surveys I gave the company a less than stellar review and restated everything that is contained here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: CA

Complaint narrative:
Ive reached out to Equifax four different times, I sent letters also sent faxes to the number XXXX as they told me too. I also explain to them, That I am a victim of identity theft, They keep on brushing me off, basically explaining to me that they can not do nothing for me. They definitely receive the letters. This is the letter that I sent to them. They still want do nothing about it. 


My full name is XXXXXXXX XXXX XXXXXXXX XXXX Fraud Alert # XXXX My last 4 of my social is XXXX My current address is XXXX XXXX XXXX XXXX  # XXXX XXXX, California XXXX I currently work for XXXX XXXX this is How it should look on my credit report. 

Dear Equifax, This is my second time reaching out to you. I already sent you police report and ftc report number, proof of address, Plus fraud alert number XXXX. 
It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for the inquiries that I listed below with dates are fraud, Do to identify theft, Im a victim of identity theft I never gave my consent for all inquiries listed below that was made. Please met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, Can you please remove them from my credit report or rescind the errant notation immediately. Sincerely, XXXX XXXX Im a victim of identity theft my information up top on this page is how it should look on my credit report. Can you fix my credit report please. 
These are The inquiries that are fraudulent. I label them from one through 4 below I did not give my consent for these four inquiries that was made on my credit report. Do to the Fair Consumer Report Credit Act. The inquiries below are fraudulent do to Identify theft. Can you please remove them from my credit report immediately .Thank you. 

Sincerely, XXXX XXXX XXXX ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry.Its do to identity theft, Can you please remove it from my credit report immediately.Thank you.

2 ) XXXX XXXX XXXXThe date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry, Its do to identity theft. Can you please remove it from my credit report immediately. Thank you. 

3 ) XXXX XXXX XXXXXXXX. The date of inquiry is XX/XX/XXXX. Its fraud, I did not give my consent for this inquiry, Its do to identify theft can you please remove it from my credit report immediately.Thank you. 

4 ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX, Its fraud, I did not give my consent for this inquiry. Its do to identity theft can you please remove it from my credit report Immediately. Thank you Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The XXXX XXXX credit card Through MY SYNCHRONY Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXXXXXX XXXX credit card with SYNCHRONY Bank to correct the issue and nothing has been corrected.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP
State: CO

Complaint narrative:
I applied for a mortgage for a purchase of a home with XXXX XXXX XXXX Mortgage Loan Officer NMLS # XXXX at XXXX. 3 Months after my loans was closed I received an email from my credit monitoring app that my credit was pulled again by XXXX XXXX in XXXX. 

I contacted XXXX right away ( XX/XX/XXXX ) and was informed that there was a system glitch and that company pull a credit on already closed loans and mine was one of the. Not only my credit was pulled with no authorization but all my info was sold to mortgage companies and I have been getting telemarketing calls every day. He insured me that they are in process of fixing it and I should see that reflected in my credit shortly. 
Since then, I followed up with XXXX on XXXX, XXXX and XX/XX/XXXX with no response. 

I also called mortgage servicing line with no resolution, since they asked me to go back to my loan officer. 

Apparently Key Bank that owns the XXXX XXXX Mortgage firm can just pull a credit on any closed files, with no authorization and not follow up with their clients to fix the issue.

Company response to consumer: Closed with non-monetary relief