vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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:
I requested proof of verification from Transunion investigation. According to FCRA consumer reporting agencies are suppose to provide proof of how they verified accounts that are being reported. 15 USC 1681a I am within my rights to ensure accuracy and facts on my credit report, and the law states I can request proof of verification giving detailed information on how each account was 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 explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX 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 2023-01-25 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: CA

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : 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 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX Nissan. On XX/XX/XXXX I received a letter saying that the contract was cancelled and I needed to return the vehicle and I would get my trade in car ( XXXX XXXX ) back. I went to the dealer on XX/XX/XXXX to return the XXXX XXXX, but the dealer refused to take it back and to give me my XXXX. I argued with them for hours but they refused to acknowledge the contract cancellation and said it was no longer cancelled, which they can not do. As per their contract, the XXXX should be mine still and it would be illegal for them to sell it. Because of this, they now sold an invalid contract to the bank that did the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
This is my 3rd request. I don't understand how credit reporting agency can use stall tactics to hurt the consumer. / my credit is being ruined, im being denied and on the verge of homelessness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
This is my 3rd request. I don't understand how credit reporting agency can use stall tactics to hurt the consumer. / my credit is being ruined, im being denied and on the verge of homelessness

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 2023-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting act American : The following Inquires Have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EXPERIAN 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 a account without my written instructions. 

ALSO THESE inquires are in itself fraudulent and not done by more nor my consent and I have not consented to the reporting in my personal name to any reporting agencies.

& 15 U.S.C. 1681-1681, imposes that responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. This is unauthorized by me and unlawful and I seek immediate removal. Ive requested this before and ive yet to get a response from my inquiry. This is my XXXX time reflecting upon this 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 non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been having a lot of problems with my account with wells frago. Its been money taken and transferred out of my account without my authorization and things charged on my account, Im not sure what is going on but I have been locking my account and its still happening. I have literally ordered at least 4-5 cards in the past 6 months, so this has to be a inside job from the bank its self and this is why I had to switch all direct deposits to another account and not been loading any money to my wells frago account until I get to the bottom of it.

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I decided to close my wellsfargo since Im having a hard time to deposit a check using my mobile up. And dont want to use it anymore

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I'm hoping you can assist me... 

I have been on the phone trying to contact Wells Fargo through the customer service line and the other phone numbers on my account application and my statements and on line. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to try and have one of the registered agents in the customer relations division. First when I call, I have to wait for over an hour because the automated prompts tells me that I do not have an account. I keep punching to try as pass through ... after over an hour, then, I speak to someone and they tell me, they too can not see that i have an account. They also said my account is closed with them after they dig deeper. I tell them, NO ACCOUNT IS EVER CLOSED. I ask them for a statement of account and all my history of accounts with the bank, and of course, they ask me a ton of questions and I get no assistance with my request. I would like some help getting the Bank to send me via email ALL my accounts, account history, every statement, deposit, withdrawals, service fee, and charges, and fees of any kind. I need a full statement-of accounts and a hard copy mailed to me at my address please : mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX the accounts with wells fargo are as follows : Checking Account : Everyday Checking XXXX Wells fargo Way2Save Savings Acct : XXXX I opened accounts and completed a Consumer Account Application on XX/XX/XXXX, of XXXX. 
Please have a complete copy of the history and statement of account on all accounts mailed to me as soon as possible. 
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 2023-01-25 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: CA

Complaint narrative:
There are multiple inquiries that have not been removed from my credit report and it is past the removal date. They are listed as follows : XXXX XXXX - removal date XX/XX/2022 XXXX - removal date XX/XX/2022 XXXX XXXX - removal date XX/XX/2022 XXXX XXXX - removal date XX/XX/2022 DEPT OF ED - removal date XX/XX/2022 XXXX XXXX - removal date XX/XX/2022 XXXX - removal date XX/XX/2022 XXXXXXXX XXXX -removal date XX/XX/2022

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 2023-01-25 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: Avant Holding Company, Inc.
State: RI

Complaint narrative:
In accordance to the federal credit reporting act, this creditors XXXX XXXX and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
In accordance to the federal credit reporting act, this creditors XXXX XXXX and LVNV Funding LLC have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA XXXXection 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that Experian DELETE two accounts from Experian consumer report due to FCRA violations. The Certified Mail Receipt shows that Experian received my dispute on XX/XX/XXXX. According to the FCRA Experian had 15 days to comply with 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ).

I have already disputed the two accounts several times in the past, so, therefore Experian does not get another 30 days to reinvestigate a previous dispute. 

According to the FCRA Experian was required to conduct a reasonable reinvestigation of the disputed information as I requested per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. ACDV form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that CRAs can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law. 

Experian has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

EXPERIAN has not conducted a proper reinvestigation of my disputes as mandated by the FCRA. EXPERIAN has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my Experian consumer report within 5 days of receipt of this NOTICE. 

EXPERIAN is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of XXXX. 

Please DELETE the two disputed accounts immediately due to FCRA violations.

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I purchased a {$100.00} Vanilla Gift Card on XX/XX/22 from XXXX. My son activated the card and made a purchase for {$13.00} on XXXX account. On XX/XX/22, he attempted to make another purchase and learned that card was declined. After multiple attempts to use the card, he logged into the Vanilla Account and learned that the card only had a balance of {$0.00}. There were XXXX unauthorized charges for a total amount of {$86.00} on the account from the XXXX XXXX. I called the Vanilla account and reported the fraudulent charges and was informed to file a complain with XXXX. On XX/XX/22, I submitted the complaint dispute online to XXXX and received a Ticket # XXXX. I was informed that it would take 45-90 days for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has reported false information on all 3 credit reporting agencies on my credit reports the company has placed and sent my account to an collection agency on XX/XX/2021 to company called The Best Service Company I have payments receipts showing account payments made. The company stated to collection agency no payments were made on the account please investigate this matter. 

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 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had a mortgage with Wells Fargo and had applied for a Loan Modification with Wells Fargo during the XXXX time frame. For 11 months they said it was still under review and no decision had been made. After almost a year their Rep on the phone named XXXX said it seemed that the people getting the loan mods had stopped paying. After six moths of not paying and constantly calling to follow up on the status we were told we were denied. We appealed and they sent us a 35 page document that they said had to completed and faxed to them by the next day. We complied and they still did not respond to loan mod status. After nearly two years they notified that we were denied and they were foreclosing on the house. We had seen some of the notifications of settlements, but nothing that applied directly to us stating we were part of the settlement. Despite follow up calls to Wells Fargo we have been given no assistance. We were solid payers and our home was still above water when asked for initial loan modification, and by all of the publishings at the time we should have qualified. We were working through ASC XXXX American Servicing Company, and they had agreed to a forebearance program, before foreclosing.

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 2023-01-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : 06 PROGRESSIVE ), has violated my rights. 

XXXX5 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 consent and 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