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: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

COMMONWEALTH FINANCE ACCT # XXXX, COMMONWEALTH FINANCE ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates there port by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bank : Wells Fargo Mortgage # : XXXX I had foreclosure process with Wells Fargo late XXXX. 
I think I paid too much fee to Wells Fargo. 
I did not contacted by Wells Fargo regarding CFPB 's lawsuit.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 instructions.

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 2023-01-29 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: NY

Complaint narrative:
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 instructions.

Company response to consumer: Closed with explanation
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 information incorrect
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I have never had an account with Capio XXXX. They sent XXXX statements identifying themself as a debt collector for XXXX XXXX ; XXXX for {$990.00} and XXXX for {$640.00}. I have never had an account with XXXX XXXX. On XX/XX/XXXX I authorized my father to contact Capio XXXX. He contacted them on XX/XX/XXXX and spoke with XXXX # XXXX. We were promised a return phone call with information by XXXX est on Monday XX/XX/XXXX. My father did not receive a return phone call and further attempts to contact XXXX were futile. Derogatory reports appeared on XX/XX/XXXX and XX/XX/XXXX from Capio XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: KY

Complaint narrative:
There are significant issues with the debt collection efforts of Southern Management Systems in XXXX, FL. I received two different validation notices from the same account with two different end of validation dates, and the website on their collection notices was wrong. When I sent them a letter, along with the proof of it, what they sent me back totally disregarded those issues and only discussed the original disputed debt. Also, the CFPB has specifically advised against telling a consumer how a debt will affect their credit. In a phone call to Southern Management Systems on XXXX at approximately XXXXXXXX XXXX  XXXX XXXX, I was told that accounts of this nature typically dont just ding the credit score but, in fact, bang it.

Again, this was addressed in the letter I sent them, and they chose to ignore all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
the summer of 2012 Wells Fargo closed my account after I made a deposit of around {$5800.00} I was in a XXXX  XXXX my insurance company totalled out my vehicle and cut me a check I deposited into my Wells Fargo account and XXXX days later went to withdrawal it since I had found the new vehicle I was going to purchase XXXXwells FargXXXX XXXX me a piece of paper told me it had been closed and I could call the number on the piece of paper they gave me .no other resolution or help was ever received by anybody at Wells Fargo XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: MO

Complaint narrative:
My first savings credit card balance is being improperly reported on all 3 bureaus. My report shows a balance owed of {$470.00} but my actual Balance is {$4.00} see attached doc.

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 2023-01-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX XXXX reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons. 
1. They reported a balance increase from {$370.00} to $ XXXX XXXX my balance has decreased but that information was not captured due to reason # 2 2. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}. 

I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information. 

Also on XXXX this same company reported to Equifax. They reported the same inaccurate information that they just had updated with XXXX. This caused my Equifax score to take a deep dive of XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IN

Complaint narrative:
Dear Creditors Discount & Audit, This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. 

I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. 

I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. 

Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express continues to deny me access to capital when I apply for lending products. I have been a customer since XXXX with no missed payments or accounts going to collection. The message I receive when I apply for new lines of credit or credit line increases states : I am past due with another creditor as reported by the XXXX credit bureau. This information is false I have submitted appeals to American Express with updated and accurate credit reports from XXXX that reflect my accurate credit profile. 

This practice has taken place since XX/XX/XXXX, when my existing accounts are being impacted, having my credit limits lowered. I have spoken to American Express 's Responsible Lending Department ( RLA ), Credit Department, Open Accounts Department, Customer Service, and Underwriting Department. All departments have failed to resolve the ongoing issue and just pass me along to the next representative, having me on the phone for 1-2 hours each time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have been in dispute with Santander Consumer USA Holdings and its subsidiaries concerning an unvalidated loan agreement. As they continue to report negatively to the credit reporting agencies after multiple Cease and Desist attempts that I have sent, including the last on XXXX I have simply asked for a complete audit trail so that I may inspect the account details for myself. An audit trail consists of, but is not limited to, all ledgers, transactions, contracts and details concerning this account number, as provided by the assigned XXXX of my account with some sort of proof of accountability such as a notarized copy. They continue to ignore my requests, demands and refuse to validate the account details despite defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have an account with XXXX. I owed a balance of about {$1300.00} for the XXXX XXXX account. I was paying this account every month for {$80.00}. Then I received a bill from them stating that I owed a balance of {$1300.00} with a past due amount of {$470.00}. I called because the payments were being deducted from my account every month. It turns out that because they are no longer working with XXXX  XXXX, they closed out my XXXX XXXX account and open a new account for me called XXXX XXXX which is the account that I was paying for when I thought I was paying the XXXX XXXX. The balances owed on both accounts were about the same amount so that was the part that confused me. The previous balance that I owed on the account they closed out, they now wanted full payment on of {$1300.00}. I contacted XXXX around XX/XX/2022 when I received the notice. I first asked to speak with a manager because I didnt ask for the first account to be closed and I didnt give authorization for a second account to be opened. The manager stated there was nothing they could do. When explaining that I didnt have the money to full pay the balance and I requested a payment plan or for the accounts to be merged, they stated that wasnt possible. I attempted to send a payment of {$50.00} to start paying off the old balance on the XXXX  account and XXXX returned the payment with a letter dated XX/XX/2022 that stated they sent the account to collections. Now I have a collections account on my credit report and Im having to deal with Midland Credit. This is unjust because I was never given an option on closing one account and opening another. I was never notified that I now have 2 accounts. I was not given a reasonable option to satisfy the balance with XXXX before they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account : has violated my rights : XXXX - XXXX - Late Payments 15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-01-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : has violated my rights : XXXX - XXXX - Late Payments 15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 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 response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-01-29 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: TX

Complaint narrative:
Over the last XXXX years I have been charged with unwarranted overdraft fees that caused me to lose over a XXXX XXXX dollars from Wells Fargo Bank . Its occurred even after I placed the overdarft protection option on my checking account.

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 2023-01-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
-- -- -- -- -- - In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Anyone paying for your reporting services could fax, mail or email in a fraudulent account, or add an account fraudulently using the E-Oscar system. -- -- -- -- -- -- -- -- I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. To date, Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. -- -- -- -- -- -- Moreover, two accounts have been in " Dispute Not Available '' status for almost 8 months, which I have included in screen shot. Finally, I did NOT authorize the XXXX XXXX  XXXX made on XX/XX/XXXX! It must be verified as with any other data or removed immediately. All inquiries prior to XX/XX/XXXX are outdated and also must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Our mortgage was held with Wells Fargo. We tried to get help to keep our house through either payment delays or any other means possible but they denied us. I was directed to notify them due to their settlement over a class action lawsuit. We ended up losing our home to foreclosure and were forced to move out. We lost our home in XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please delete the aforementioned accounts ASAP.

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 non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my XXXX credit report for {$61.00} from a collection agency named : SCA Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my XXXX credit report. I have request for this to be done, but SCA Collections refuses to delete this medical collection. I would like to have the CFPB to force SCA Collections to delete this medical collection as per the new law. 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