vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX and Discover Bank as defined by the IRS Form 1099-C even if I didnt receive a form 1099, I must report canceled debt as gross income on my tax return. IRS clearly defines charge-offs as gross or ordinary income and is not reported on the consumer report which makes your reporting inaccurate! By definition the IRS clearly says a cancel or charge-off is income.

15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Your company is furnishing inaccurate information as charge offs and late payments. When Congress specifically states that transactions or experiences between the consumer and the person making the report are NOT INCLUDED in the consumer report. You are in violation of law stated. is, in fact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 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: IL

Complaint narrative:
In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was able to buy a house by myself in XXXX with then, XXXX. Depending on the employer, etc I have had struggles over the years, but have remained in my home. Then when I was involved in XXXX XXXX XXXX XXXX XXXXXXXX and was not able to work, I fell behind and requested loan modification from Wells Fargo. While in progress, they sold my loan to a registered investment advisor located in XXXX XXXX, CA. ( XXXX  ) without notice. After living in my home for 16 years, they filed for foreclosure ( during the pandemic in XX/XX/XXXX ) after owning my loan for approximately 90 days. They played the shell game within their multiple companies. The HUD hosing counselor that tried to help me said she has never seen anything like it and I should file complaints against them. I contacted the SEC, and every regulatory body without assistance. I contacted XXXX XXXX office without assistance as well. My complaints to CFPB, FTC & Florida Office of Financial regulation with no actions to support me as the consumer. Even the SEC told me to file a complaint and I have. 
I have submitted numerous complaints regarding Wells Fargo and their practices as my mortgage servicer. XXXX, XXXX, XXXX. When the CFPB fined Wells Fargo, I was told that they were giving Wells Fargo the opportunity to reach out to the affected parties which is inherently a conflict of interest. Wells Fargo has corresponded and acknowledge the misapplication of mortgage payments. Wells Fargo has violated Federal laws and did not apply my payments when received in order to charge late fees. Wells Fargo sold my mortgage to an XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) masquerading as a mortgage servicer ( XXXXXXXX XXXX XXXX XXXX  ) who failed to verify the debt information received from Wells Fargo ( which was inaccurate ). I had an attorney send a request for verification of debt which they did not answer and moved forward to file for foreclosure although I only owed {$1200.00} at the point they assumed the mortgage from Wells Fargo. XXXX They cited that Wells Fargo gave them my records that showed I owed 5 times that amount. I have called Wells Fargo regarding the recent ruling from the CFPB and why I have not been contacted. Why would the CFPB expect the company that broke the law to now contact all affected parties and make them whole. As of today neither the CFPB, nor Wells Fargo has not contacted me regarding the matter.

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 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Received three separate emails that I opened a checking account with Bank of America. I never opened an account and do not have one.

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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX WELLS FARGO HOME MORTGAGE= ( WFHM )/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX )/ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau= CFPB Consumer=XXXX XXXX XXXX XXXX Here is the issue as a consumer we have done the complete administration process of the 1946 Act. 
1. Wells Fargo defaulted on the contract and could not produce the required information for the consumer AW. After which the Mortgage Note with WFHM was rescinded.

2. WFHM failed to respond via certified mail. WFHM didnt do what was lawfully required once rescinding had been received. After which, the Administrative Process was done and completed with the XXXX. Around XX/XX/XXXX XXXX. ( Fast forward to Allege Summons issued 9 months later by 3rd party debt collectors and not properly signed or endorsed by a judge this was XX/XX/XXXX ) 4. XXXX along with the XXXX XXXX and XXXX XXXX firm all debt collects that never produce the wet ink signature that was requested or the oath of office, as they are not Privity to Contract anyway. 
5. I realized that even after I challenged Jurisdiction by me continuing to interact gave them precedence to continue their agenda. Many attempts to get the alleged judge to rule in my favor for a summary judgment have been denied serval times. 
I objected on the record to their Twelve Presumption of Court canon law 3228. 
I am filing this complaint because the Center Supreme Court of the State of Illinois is a Private for Profit Corporation with a XXXX and XXXX XXXX number # XXXX  I want the Consumer Financial Protection Bureau to record the violation that are listed in this complaint ( BELOW ) and hold the officials of these entities responsible to the consumer that they have done unthinkable damage to our mental and financial stability. A list of the horrific violation done by THE ENTITIES ACTUAL OFFICIAL THAT make the decision : let the record show we have 4 cases and 3 cases have been CREATED BY THE ACCUSED IN SEEKING SETTLEMENT AND RECOUPMENT AND CLOSURE.

Exhibit = 1a Notice of default Certified Judgment of Un-rebutted Affidavit with witness Here are a few of the violations that have been commented on by Officials : Title 18 : USCS~1001 & 1002 false statements Title 18 USC 241 Conspiracy, Under Color of Law Title 18 USC 242Deprivation of rights under color of law Title 42 USC 1985 ( 2 ) Obstruction of the Justice Title 15 USC 1611 Criminal liability for willful and knowing violation Title 12 USC 1831 General Accepted Accounting Principles Sincerely, consumer

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 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act. 
15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1666B : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF EVEREAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
Continental Finance has obtained and trafficked my nonpublic personal information without authority or my consent. Upon lawful request and in conjunction with my consumer rights, I have demanded that Continental Finance cease trafficking defaming and falsified statements to nonaffiliated third parties pursuant the FCRA and the Gramm Bliley Leach Act, but Continental Finance has refused to do so. Continental Finance never afforded the opportunity to avoid such communication and trafficking of my information. Continental Finance is intentionally ruining my credibility and reputation in order to coerce payment on an account that I do not own. Continental Finance has violated various FCRA laws including reporting items on a credit report that should not have been reported in the first place pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( d ) ( 2 ) ( C ) AND 15 USC 1666.

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 2023-05-01 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-01 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: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX, XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX State Employees XXXX XXXX payment

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 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a complaint against transunion for accounts that were reporting inaccurately. I filed this complaint through cfpb and also sent dispute via fax and mail. The complaint was filed XX/XX/ complaint # XXXX and below is the response from Transunion. 

" In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED -VERIFIED AS REPORTED NCB MANAGEMENT SERVICES-VERIFIED AS REPORTED CREDIT ACCEPTANCE CORP-UPDATED USBK COURT NORTHERN OHIO-DELETED FIRST NATIONAL CREDIT CA-VERIFIED AS REPORTED CONTINENTAL FIN CO-VERIFIED AS REPORTED FIRST PREMIER BANK-UPDATED CROSS RIVER BANK/SEED-UPDATED SELF FINANCIAL INC/ LEAD BANK-UPDATED '' There are many issues I have with this as this information isn't accurate and is hurting my credit, reputation and ability to purchase a home for my family. They reported the following accounts as reporting-VERIFIED AS REPORTED. I don't believe that anything was investigated and I would like to know the method of verification. I am not asking for another investigation I am asking that this information be removed IMMEDIATELY from my report due to this information is still inaccurate and reporting incorrectly and illegally. 

Account Name : XXXX XXXX XXXX Account XXXX -This account is reporting as an XXXX '' account. Transunion is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " XXXX '' account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date XXXX '' this item. 

They Stated that XXXX XXXX XXXX Ohio was deleted but it is still showing on my credit report. 

The time for updating is over and I want these items deleted not updated. 

I have attached my disputes from the previous complaint and my Id documents. Once again I am not asking for an investigation, I am demanding that these items be deleted immediately due to no method of verification was provided and also illegal and inaccurate reporting.

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 2023-05-01 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 — Problem with personal statement of dispute
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. The creditor is named EASTERN REVENUE INC.

15 U.S.C 1681 602 A. States I have right to privacy. 15 U.S.C 1681 602 A Section 2 : It a
lso states a consumer reporting agency can not furnish an account without my permission.

I have contacted this EASTERN REVENUE INC to request they remove this from my credit report since 2021. They have not complied. They harass me everyday before XXXX and after XXXX. I want to sue. This account is not accurate and immediately must be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CRED Technologies dba cred.ai
State: MO

Complaint narrative:
This company has the worst customer service. Their customer service is outsourced not in the US. So English is not their first language. The English barrier is a problem. First off I have a refund from XXXX in the amount of {$54.00} this refund was issued over 7 days ago. Cred AI. Has failed to post my refund. This date of purchase was on XX/XX/2023 for {$62.00} XXXX  didnt refund my shipping fee which is why the refund is for {$54.00}. Ive contacted XXXX explained I havent received my refund they informed me it was issued and to contact my bank. Ive provided Cred. AI with documentation to support Im owed this money they havent done absolutely anything!!! Next issue I have a dispute for XXXXXXXX XXXX  and Credit AI again has not done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
A previous complaint was filed on XX/XX/ # XXXX. I have now received another letter from Truist dated XXXX that does not resolve my issue. I need to pay off my mortgage with them THIS WEEK. After being on hold with the XXXX XXXX department with Truist for XXXX minutes this morning, XXXX answered my call and once again wanted me to call the XXXX XXXX Department. I tried to request a current payoff statement with Truist again on-line and received a message that they could not release a payoff statement at this time. I have been more than clear in my many phone calls to Truist that I want to pay off my mortgage with them, yet they continue to hold my insurance funds of {$330000.00} in a restricted escrow account. In addition, they state that " a new check will be issued for 25 % of the insurance loss proceeds received up to {$10000.00} ", after repeatedly explaining that all funds sent to them should be applied to my loan and that I need a net payoff statement with those funds deducted. Also, I have told at least XXXX Truist employees that I have two additional insurance claim checks totaling {$33000.00} that I want to send them towards my payoff. I get answers like " I have no idea what to do with those funds ''.

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