vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
GM Financial has made my life a living nightmare over the past month. They have been harassing me and extorting me for money over an alleged debt for an auto loan. The account has been showed as paid off on my consumer report since on or around XX/XX/. On XX/XX/XXXX, they conspired with a towing company and stole my vehicle at my residence. I am in possession of the title for this vehicle lien free with them released as lien holder as of XXXX XXXX PLEASE SEE ATTACHED IN-DEPTH COMPLAINT AND SUPPORTING DOCUMENTATION. NOTICES HAVE ALSO BEEN MAILED TO COMPANY VIA USPS CERTIFIED MAIL and Fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Complaint Re : Error in Credit Report Action : Please remove Late input from my credit report, I have an agreement that I will not be report late. 

I am on a COVID payment arrangement I should not have incurred any late charges please see the attachments agreement. 

Call : @ XXXX I spoke to the Representative today and she has no information on what to do I was not able to speak to a supervisor for this error there was no manger or supervisor available for 1 hour the rep tried to reach a manager then we were disconnected. The Representation ID number XXXX her name is XXXX. I called to let them know I will be making a payment this Friday and that my agreement says I will not be report late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My business account XXXX XXXX XXXX  was closed without my knowledge or consent. It was in good standing and I did not learn that they closed the account until I was making a business deposit.

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 2023-06-20 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: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
I was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company goodleap asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: FL

Complaint narrative:
Im writing to you regarding a huge discrepancy I have found in my EXPERIAN credit report. 

XXXX BANK ACCOUNT NUMBER XXXX THIS ACCOUNT IS REPORTED ON EXPERIAN XXXX XXXX XXXX AND XXXX WITH TOTALLY DIFFERENT DATES OF ACTIVITY? DELETE ACCOUNT DUE TO INACCURATE REPORTING. 
ALSO, ACCORDING TO THE FCRA LAWS, ALL CHARGE OFFS MUST REPORT WITH XXXX BALANCE YET YOUR COMPANY REPORTS THIS ACCOUNT WITH A BALANCE. THEREFORE, YOURE NOT REPORT 100 % ACCURATELY. PLEASE DELETE THIS ACCOUNT FROM MY REPORT. 
THIS ACCOUNT IS A CHARGE OFF YET, I DID NOT RECEIVE A 1099-C FORM. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY REPORT DUE TO THE INACCURACIES.

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 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-20 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: CA

Complaint narrative:
XXXX XXXX XXXX PUT LATE PAYMENTS ON MY CREDIT REPORT WHEN IT WAS THEIR FAULT BECAUSE THE PORTAL WASN'T WORKING CORRECTLY AND I HAD IT ON AUTOPAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: CA

Complaint narrative:
XXXX XXXX XXXX PUT LATE PAYMENTS ON MY CREDIT REPORT WHEN IT WAS THEIR FAULT BECAUSE THE PORTAL WASN'T WORKING CORRECTLY AND I HAD IT ON AUTOPAY.

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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: NJ

Complaint narrative:
A collection account that i do not recognize and do not believe is mine is currently being reported on my credit well past the statue of limitations. National Credit Audit is reporting a collection that started in XXXX. 6 years is the time frame. I believe this was previously removed from my credit and as of XX/XX/XXXX they have put it back on. Once its deleted it can not be reported. I never received any documentation about this debt as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, 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 entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX ACCOUNT:XXXX XXXX ACCOUNT : XXXX XXXX ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wrongful Wells Fargo Forclosure. We feel like we did everything according to Wells Fargo and they DID NOT HELP! They kicked us out After we payed them ALOT of money. Could not talk to anyone in person at the Bank. The person assigned to our case was NEVER THERE TO TALK TO. And nobody else would help us. We even borrowed from our Retirement Accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: IL

Complaint narrative:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to 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 2023-06-21 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: SC

Complaint narrative:
Tried to remove all negative thing from my report and inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
With EQUIFAX, 1.-Do not provide the option to save Online your report although it says so. The ONLY option available is to print 30 some pages report. 
XXXX It provides only a Summary, no FICO, no any score whatsoever, XXXX It has a link to contact them, you click on the link and the report disappears, there is no way to get it back. 

XXXX XXXX The report does not provide a link to save it online. Another 30 some pages print out. 
XXXX Plagued with wrong or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in XXXX I deposited a XXXX check into my checking account, the funds cleared. When I went to the branch to make a deposit I was told by the branch manager that my check was fraudulent and that I needed to return to my home branch where I opened my account to make any withdrawals, and then the branch manger stated you people always depositing fraudulent checks Referring to my race skin and ethnicity As of today it has been 30 days since my check has cleared and posted onto my account. The bank will not release my funds to me this is unfair

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 2023-06-21 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for JPMCB CARD SERVICE, XXXX, and XXXX, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' JPMCB CARD SERVICE never informed me of my right to opt-out of information sharing. 

XXXX and XXXX 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of JPMCB CARD SERVICE reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Starting in XXXX my account with XXXX XXXX and Bank of American and XXXX XXXX Where compromise. I was being hack into my accounts. Some accounts where stolen and change over the phone and others money was going missing through online banking. It actually showed on my cell phone that 6 other people where stealing my money. 

I called the bank right away and issue me some money back and we change my account but as soon as they did my money was stolen again. Because the money was direct deposit through Social security XXXX insurance. 

Then I open another account with Bank of American and the same thing happened they stole {$4000.00} from my SSDI again. Still have never got my money back. Then I opened another account with XXXX back all again someone over the phone stole all my money with a fake check that they cash over the phone along with all my money. Four years later no bank has giving back my money. I've been going through Identity theft for 4 years have called the police and made over fifty-five police reports and still the police say they can't do anything. This had lead me broke and homeless. I lost my job dure to all this as well as my car. I'm XXXX and now leaving under a bridge in XXXX California. I'm seeking help if possible to resolve this matter if possible.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I permanently opted out of promotional/prescreened/preapproved inquiry access to my consumer reports with Equifax, XXXX, XXXX, and XXXX in 2017. Proof of this opt-out is certified mail return receipt. 

Even though I opted out, Equifax has continued to allow promotional inquiries by XXXX XXXX, in violation of my permanent opt-out. 

Equifax XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a prepaid Vanilla gift card on XXXX day ( XX/XX/22 ) the next day we went to use the card and it was empty. When I checked the balance online, it was used somewhere else in the state. I filed a complaint and did everything they asked me to including send a photo of my ID and all sorts of things. They said I had to wait 3 months and I did. I called again after 3 months and they said they mailed it and it would be here on XX/XX/XXXX. I waited and it still did not come. I have emailed and emailed and emailed and have gotten XXXX response. I've called and waited on hold for over 35 minutes. The last time I called they said that the case was closed because I already received a new card. I told them I HAD NOT. They said they would send another one and here I am waiting AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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:
I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified. 
Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 
It is your grave responsibility to report accurate and fair information. 

Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 


ACCOUNT : Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX I Account XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete

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 2023-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In Accordance with the fair credit reporting act, These Creditors : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!

Company response to consumer: Closed with explanation