vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi CFPB, For XXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and Experian credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had an ongoing dispute with Citibank since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. Citibank had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by Citibank. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from Citibank that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

Citibank is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.

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 2023-01-30 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: VA

Complaint narrative:
Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference

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 2023-01-30 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: VA

Complaint narrative:
Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We were building a new house in XXXX XXXX XXXX XXXX, the builder said they would include the cost of the XXXX if we used their Wells Fargo lender. In talking with the Wells Fargo XXXX XXXX he said we could sign up for a rate lock guarantee where we pay to have a current mortgage rate locked in at the time of closing, if rates go down then the payment just goes toward the closing costs. We paid {$2200.00} for a rate lock on XX/XX/. When we closed on the house in XXXX of XXXX  rates had gone down so they said that {$2200.00} would go towards the closing costs. At our closing, it showed our payment of {$2200.00} but it was never deducted from the closing costs, and we ended up paying the full closing costs plus the {$2200.00} that we paid for the rate lock. I fought this as the closing and after I contacted the lender XXXX and the company Wells Fargo XXXX XXXX about why the {$2200.00} wasn't deducted from the closing costs but seemingly added to the closing costs. They just strong-armed me and tried to make me feel inferior and that I didn't know what I was talking about and nothing was ever done. Shortly after this, I learned how Wells Fargo had scammed thousands of people out of their money, and eventually found guilty and ordered to repay the people they had taken advantage of.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an bankruptcy under my public record that was not verified and not provided by the XXXX bankruptcy court directly. I reached out to the XXXX Bankruptcy Court Middle District of XXXX XXXX and confirmed verbally that to don't provide info to XXXX parties that are not included in the initial case. ( XXXX XXXX, Experian, XXXX XXXX XXXX are not included included in any of the court case information ) In the letters I sent I requested that they remove the Bankruptcy from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Identification Number : XXXX XXXX, Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the XXXX  day. When I didn't hear anything back, I sent XXXX Bankruptcy Court Middle District of XXXX XXXX a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from Experian ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.

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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this XXXX  XXXX account suposedly created on XX/XX/2021 i the result of unauthorized use of my personal info. i have not authorized a XXXX  XXXX account XXXX to be created or furnished i need this to be disputed as fraud and needs to be removed from my credit file immedielty! 



Notices of Disputes from a Consumer Reporting Agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) Direct Disputes from Consumers Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 If procedural weaknesses are noted or other risks requiring further investigation are noted, such as a high number of consumer complaints regarding the accuracy of their consumer report information from the entity, select a sample of reported items and the corresponding loan or collection file to determine that the entity : d. furnished a notice to a consumer reporting agency of a dispute in situations where a consumer disputed the completeness or accuracy of any information the entity furnished, and the entity continued furnishing the information to a consumer reporting agency. Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] ; If weakness within the entitys procedures for investigating errors are revealed, review a sample of notices of discputes received from a consumer reporting agency and determine whether the entity did the following : d. reported the results of the investigation to all other nationwide consumer reporting agencies to which the information was furnished if the investigation found that the reported information was inaccurate or incomplete ( Section 623 ( b ) ( 1 ) ( D ) ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) ] ; and e. modified, deleted, or blocked the reporting of information that could not be verified.

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 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
This agency was contacted in regards to removing the inquiries from the collection agencies off of the account and as a result of pursuant of credit debt collection and obligation to rightfully submit debts and documents and not oppose the debt in a way from non fair communication efforts that would therefore lead an individual liable for the debt under pursuant of the debt collection agencies laws and regulations. As a result the company threatened to take legal action wrongfully under the pursuant of the law and throughly harassed me for reporting rhis information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
They charged us overdraft fees multiple time even though we have overdraft protection and someone hacked our and wells Fargo locked it down to where I couldn't access it and never did anything about it. We had our account locked for about 2-3 weeks before we finally left them. When I called to shut the account down they said there was no progress but they were still working on it. I had other bills that were past due and had late fees from my other bills due to this lock out.

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 2023-01-30 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: VA

Complaint narrative:
Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND TRANSUNION CREDIT reports as well late payments reported in XXXX, XXXX AND TRANSUNION CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference

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 2023-01-30 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: VA

Complaint narrative:
Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on EQUIFAX, XXXX AND XXXX CREDIT reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, EXPERIAN AND XXXX CREDIT reports as well late payments reported in XXXX, EXPERIAN AND XXXX CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference

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 2023-01-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquiries that were done without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
this capital one account suposedly created on XX/XX/2021 i the result of unauthorized use of my personal info. i have not authorized a capital one account XXXX to be created or furnished i need this to be disputed as fraud and needs to be removed from my credit file immedielty! 



Notices of Disputes from a XXXX XXXX XXXX Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) Direct Disputes from Consumers Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 If procedural weaknesses are noted or other risks requiring further investigation are noted, such as a high number of consumer complaints regarding the accuracy of their consumer report information from the entity, select a sample of reported items and the corresponding loan or collection file to determine that the entity : d. furnished a notice to a consumer reporting agency of a dispute in situations where a consumer disputed the completeness or accuracy of any information the entity furnished, and the entity continued furnishing the information to a consumer reporting agency. Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] ; If weakness within the entitys procedures for investigating errors are revealed, review a sample of notices of discputes received from a consumer reporting agency and determine whether the entity did the following : d. reported the results of the investigation to all other nationwide consumer reporting agencies to which the information was furnished if the investigation found that the reported information was inaccurate or incomplete ( Section 623 ( b ) ( 1 ) ( D ) ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) ] ; and e. modified, deleted, or blocked the reporting of information that could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i need these accounts to be removed from my credit file and repossesion remark removed from my credit file i have contacted XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX ok, XXXX ( XXXX ) multiple times in regards to this outrageous claim of debt owed and repossessions. they are currently reporting XXXX negative items on my credit file and i did not authorize this company to pull my credit, utilize my credit, or furnish any accounts with my information ever!. this is ridiculous and they need to be shut dow for all of the illegal activity they have been doing. they have defrauded me of multiple opportunities to build credit by reporting multiple delinquent accounts and threatening me with debts i do not owe this information needs to be disputed as fraudulent activity immediately and removed from my credit file. who opens XXXX car loans and gets XXXX cars repossessed there has definitely been some fraud activity with this merchant and needs to be investigated Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information.

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