vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX caused my mortgage payment at Loan Depot to report 30 days late. The mortgage payment was submitted to Loan Depot within the required time period however, the XXXX XXXX experienced an IT problem that would not allow payment to process from account and was sent back to loan depot as unpaid. That caused a negative report to my credit. A representative from my credit union spoke with LoanDepot representative claiming fault of payment no processing. As requested from LoanDepot, The XXXX XXXX also provided a letter stating fault and provided bank statement showing funds were available in bank account at time payment was sent from LoanDepot for XX/XX/3022 payment. After submitting several disputes to all XXXX credit bureaus and numerous phone calls to loan depot ( and reps from their escalation dept ) and the credit bureaus XXXX loan depot continues to deny m request to remove the 30 days late from credit reports and keeps their decision as No change to XXXX negative 30 days late. XXXX not sure what else to do. Representatives from XXXX XXXX, LoanDepot and the credit bureaus have expressed to me that this should get corrected however, LoanDepot is the only one that can correct the negative report. Please help!! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Army and Air Force Exchange Service
State: TN

Complaint narrative:
referencing to complaint number XXXX I reviewed my consumer report and noticed that the late payments that I am continuously demanding for deletion is still reporting on my credit file without my CONSENT nor did i receive the proper disclosures from MILITARY STAR to opt out of my non public personal information being reported to a non affilliated third party pursuant to 15 U.S.C 6802 obligations. These payments are not late and consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. Please reinvestigate and provide proof showing that these payments were late. If proof can't be provided I demand these payments be updated to on time payments as they should have been for account AAFES/MILITARY STAR- acct # XXXX XXXX XXXXate payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
documents were uploaded in complaint 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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Failed to update correct adress over the phone Website failed to upload my correct adress After I tried to upload documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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:
why do they keep take overdafte fee more than once it and they charger the customer for it when they dont have money and take more than should when it should be just little amount over what you get i want all my over dafter money back from them take from me

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 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-22 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance Bureau of Collections
State: FL

Complaint narrative:
The amount of XXXX dollars was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
Eastern Account System , Inc. is attempting to collect a debt from me that is the result of identity theft. Eastern Account System , Inc. claims that the last four of my social security number matches that of the one used on the account, but the address that is listed on the account does not, nor has it ever belonged to me. The addresses listed on my consumer reports that Eastern Account System , Inc. has wrongfully and illegally placed this debt, as stated in my previous complaint, does not list the address for the alleged account. Furthermore, this points to the fact that Eastern Account System , Inc. and the credit bureaus did not do a proper investigation into this matter. In addition, Eastern Account System , Inc. sent a copy of a bill as validation of this debt. This is not a proper validation at all. As I previously stated in my initial complaint, there is more than one person in XXXX that has the same name as I do. This debt does not, nor has it ever belonged to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have tried a couple of times to get this handled through the Companies, that I'm filing a complaint against. I have give them proof that the Bankruptcy Courts in Kansas do not report any type of information to them. They keep trying to say it is verified, when in fact I have a letter proving that they do not report to the companies my complaint is about. Which I will provide my proof to you, in the upload files. I am demanding that these are removed at once, or I will seek legal action and will report it to the Attorney General in Kansas.

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 2022-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hi, I have not knowledge at all of coming into any agreement signed or otherwise with MIDLAND CREDIT MANAGEMENT. I'm absolutely sure that this is an attempt to promote an illegal scam, financial or identity theft by MIDLAND CREDIT MANAGEMENT that is not licensed to collect payments in the state of New York. Based of the inaccurate data you furnished to my XXXX credit report I would like to know who or which company did illegally shared, stole or sold you my personal private information without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a dispute to Transunion via certified USPS tracking number XXXX. It was delivered on XX/XX/2022 at XXXX XXXX. As of today, XX/XX/XXXX, the items are still showing as still being investigated on my credit report that was pulled today. Per the FCRA, a credit reporting agency has 30 days to resolve a dispute or the items must be removed from the consumer 's credit report. It has been over 30 days and as of today I have not received any correspondence from Transunion regarding my dispute.

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 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within XXXX XXXX please delete the accounts immediately!

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2022, I applied for a Wells Fargo credit card online. I have cerebral palsy and as I was typing the information online I mistyped the phone number online after I summited the application. Wells Fargo pulled my credit report on XX/XX/2022. After that its been almost one month that I have not received correspondence from Wells Fargo, whether I was approved or denied. The bank advised me that they can not complete the application because I have a fraud alert on my report, which clearly states that they need to call the applicant to complete the information and to contact the phone number that is on the credit report. Now, Wells Fargo is making this very difficult for me, the reason the fraud alert can not be removed is because I've been a victim of identify theft and it strictly says on the fraud alert that to be considered for credit they must contact the consumer and Wells Fargo has failed to follow that statement on the 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 explanation
Consumer complaint received 2022-12-22 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: CT

Complaint narrative:
I did report to this following companies TransUnion and XXXX my concerns as a individual protected by the consumers laws about having my name XXXX, addresses and some fraudulent hard inquiries posted on my credit repor.

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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Last 3 years, overdraft fees of {$35.00} 3 times a day on the last day of the month for 36 months and that's {$3500.00} and would like that returned since wells fargo lost their lawsuit and was ordered to pay XXXX XXXX to rhe consumers...

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 2022-12-22 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: TN

Complaint narrative:
referencing to complaint number XXXX I reviewed my consumer report and noticed that the late payments that I am continuously demanding for deletion is still reporting on my credit file without my CONSENT nor did i receive the proper disclosures from XXXX XXXX to opt out of my non public personal information being reported to a non affilliated third party pursuant to 15 U.S.C 6802 obligations. These payments are not late and consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. Please reinvestigate and provide proof showing that these payments were late. If proof can't be provided I demand these payments be updated to on time payments as they should have been for account XXXX XXXX- acct # XXXX XXXX  late payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
documents were uploaded in complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo XXXX incorrectly denied mortgage loan modifications to certain qualified borrowers, the order states. 

We saw this in the news and this definitely happened to us. We have enough money to cover the rest of our mortgage, but didn't want to pay it all at once. 
in XXXX, We were refinancing to a 2.1 mortgage and it was lasting for months, they kept making excuses and then eventually turned us down because a side business/hobby didn't make money last year. It took a small loss of a couple thousand. My wife alone could cover our mortgage and my other business does well too. I think they didnt want to have such a low rate and were looking for excuses. It was so obvious, but we didnt report it, my wife was handling the refinance and she was done. They grilled her left and right, we have almost perfect credit scores. I'm a veteran. There was no true reason.

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 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I would like to present my right to rescind the transaction for auto because I was not provided with the type of notice of my right to recession under the Truth in Lending Act ( TILA '' ), 15 U.S.C 1601 et seq., that is required by the Federal Reserve Board. I reserve all rights to raise additional or alternative grounds for rescission under state or federal law. I exercise my right to rescind pursuant 15 U.S.C 1635, and Regulation Z, 12 C.F.R. 1026.23. This rescission is effective as to all aspects of the transaction, including all document signed in connection therewith, and automatically and immediately places the parties I the status quo ante, i.e., in their pre-contractual positions, before the transaction was entered. I understand that Bank of America have 20 days after receipt of my letter to return all my monies paid in the transaction and to take any action necessary to reflect the termination of any security interest created under this transaction. Per 15 U.S.C 1640 ( a ) States " if you do not cancel the security interest and return all consideration paid within twenty days of receipt of letter, you will be responsible for actual and statutory damages. ''

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
I had contacted US Bank to cancel one of my credit cards back in XXXX when they posted annual fee for next year, and the representative promised to refund my annual fee of {$95.00}, but it never happened.

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 2022-12-22 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: IL

Complaint narrative:
XXXX XXXX account is not my account I have asked for it to be removed several documents stating that its not my account every other credit you have taken it off except for Experian I ask for proof is mine no no update information sent but its keep getting verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 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 2022-12-22 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: T.S. Holdings
State: TX

Complaint narrative:
Accounts are showing up on my account that I am unaware of and need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have tried a couple of times to get this handled through the Companies, that I'm filing a complaint against. I have give them proof that the XXXX XXXX XXXX XXXX  do not report any type of information to them. They keep trying to say it is verified, when in fact I have a letter proving that they do not report to the companies my complaint is about. Which I will provide my proof to you, in the upload files. I am demanding that these are removed at once, or I will seek legal action and will report it to the Attorney General in Kansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: IL

Complaint narrative:
XXXX XXXX account is not my account I have asked for it to be removed several documents stating that its not my account every other credit you have taken it off except for Experian I ask for proof is mine no no update information sent but its keep getting 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