vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Thank you for the opportunity to ask for assistance. 
On XX/XX/year>, at XXXXXXXX XXXX., I received a phone call from Wells Fargo Bank. The # listed on my phone is XXXX. On the line, a representative ( I believed ) asked for me and when I acknowledged my name, went on to say that my accounts had been hacked through XXXX. He directed me to a XXXX representative and I told this fellow to call me back in 5 minutes so I could access my account on my computer. I also called the XXXX # listed above to see if it was legit. The normal Wells Fargo recorded message answered and I believed this was all real. 
When the supposed XXXX rep called me back, I moved money from my accounts and was led to believe that it would all be replaced. It was not. I admit that I am a fool for falling for this. I had approx. {$2000.00} scammed. 
When I called Wells Fargo to notify them, they opened inquiries and filed a report. Within a few days, a small amount of money was returned, but {$1500.00} is gone. I received XXXX separate letters stating first that they were investigating, then that they say that 'these payments were processed as requested, and that no error occurred. ' For me, the error is that I have NEVER seen a message from Wells Fargo alerting me that their dedicated phone numbers could be hacked and used against their customers. Asking for your help is all that I know to do. Isn't my money insured in some way? Doesn't Wells Fargo bear any responsibility for having dedicated numbers vulnerable to cheating customers? Aren't they a massive company with the world 's best IT people? 
Thank you for your time in this matter. Best Regards

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX failing to report payments. the loan was fraudulent and I did not open it. I have disputed it lots of times with all failed attempts. now that they have taken mostly all the money from me during tax time, I was told I'm now responsible for the loan. It shows that I have not paid anything on the loan. when I requested documentation of that, they sent me paper stating that the total I owed was only {$480.00} not {$6700.00} The credit report stated that I owed {$6700.00}. I have disputed it at least 40 times in 6 yrs. and they fail to respond to my letters or disputes. They have been taking my taxes for yrs. now without reporting payment. They broke the loan down into two loans on my credit report and will not respond to me at all. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX is the place they sold the loan to. 
I have the proper receipt from them that all I owe left on the loan is {$480.00} I did not open the loan nor did I sign for the loan. Thank you.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-23 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed two accounts that were not reporting accurately. one was XXXX for XX/XX/2024 and the other was XXXX XXXX on XX/XX/2024 that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. Both accounts have not been late on payments and I've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was recently trying to purchase a house and noticed damages on my credit report. According to 15 USC 1681 there should not be any damages on mu report as it is a defamation of my character. 

XXXX XXXX XXXX is reporting inaccurate balances! 
Capital One is reporting inaccurate balances! 

All three major credit bureaus are reporting different amounts which are indeed inaccurate! 

In regard to CAPITAL ONE XXXX is reporting the following balances : {$3200.00}, {$660.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 

In regard to XXXX XXXX XXXX is reporting the following balance : {$19000.00} XXXX is reporting the following balance : {$18000.00} XXXX is reporting the following balance : {$18000.00} In addition to amounts varying from each other, they are also not the balance reported to my estate from XXXX XXXX making this all inaccurate information and inaccurate/fraudulent reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was recently trying to purchase a house and noticed damages on my credit report. According to 15 USC 1681 there should not be any damages on mu report as it is a defamation of my character. 

XXXX XXXX XXXX is reporting inaccurate balances! 
XXXX XXXX is reporting inaccurate balances! 

All three major credit bureaus are reporting different amounts which are indeed inaccurate! 

In regard to XXXX  XXXX Experian is reporting the following balances : {$3200.00}, {$660.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 

In regard to XXXX XXXX Experian is reporting the following balance : {$19000.00} XXXX is reporting the following balance : {$18000.00} XXXX is reporting the following balance : {$18000.00} In addition to amounts varying from each other, they are also not the balance reported to my estate from XXXX XXXX making this all inaccurate information and inaccurate/fraudulent 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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Capital Services, LLC
State: SC

Complaint narrative:
I was contacted today XX/XX/year> by Structured Settlement. The representative introduced himself as a XXXX and was extremely aggressive. When I told him so and to please not speak to me in that manner, he only got worse. He threatened to close my bank account and sue me as well as contact my employer for wage garnishment. I explained that I do not believe SC allows for wage garnishment unless a federal or medical loan. He proceeded to tell me I was XXXX  and didn't know what I was talking about. I tried to discuss a settlement options but only got more aggressive and proceed to demand my bank number and tell me he was going to call the initial loan office and stare I was refusing to comply. He was so aggressive that I felt as if he was going to jump through the phone and physically harm me. I called the creditor directly to confirm the debt amount and request to settle with them. Unfortunately as a charge off they could not but made note of what the company did. I did not feel comfortable providing PII to such an aggressive company. I confirmed with the bank that he can not seize my assets

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX account is fraud. Never open account with XXXX for any services. Filed ID theft report as fraud. Request information of verification. 

Remove from Credit File

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.

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 2024-05-23 00:00:00
Product: Credit reporting 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:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
I am writing to dispute the debt that has been attributed to me. I have been a victim of identity theft since 2007 and have no knowledge of the debt in question. Furthermore, the address listed, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, is not my address. 

I did not incur this debt and have no information about its origin. I request that you take immediate action to correct this error and remove the debt from my credit report. 

Please provide me with verification of the debt and any relevant documentation to support your claim. I appreciate your prompt attention to this matter and look forward to resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft inquires to be removed : 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 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft inquires to be removed : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I took out a car loan with SANTANDER CONSUMER USA a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with XXXX took back to dealer within the first XXXX weeks and complained the car was not up to par as dealer promised XXXX then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a jeep from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at XXXX a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with SANTANDER CONSUMER USA and nothing has happened so XXXX was taken advantage of and sold a lemon and miked out of thousands of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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