vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, XXXX and TRANSUNION removed my paid in full : account for XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX has been reporting this account to both XXXX and TRANSUNION since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with XXXX XXXX  off in full. XX/XX/XXXX, I in writing requested that XXXX XXXX XXXX accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Account was DELETED from my XXXX, and TRANSUNION credit reports. I did not authorize or request the deletion of the XXXX XXXX XXXX XXXX account. I contacted TRANSUNION on XXXX XXXX, XXXX and requested that the XXXXXXXX XXXX XXXXXXXX XXXX account be added back to my credit report. TRANSUNION ' agent informed me that TRANSUNION can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact XXXXXXXX XXXX XXXX XXXX and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( XXXXXXXX XXXX XXXX ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by XXXXXXXX XXXX XXXX  At this time. The XXXXXXXX XXXX XXXX XXXX  is currently missing from both my XXXX and TRANSUNION credit reports. The account was removed from my credit reports without my consent. XXXX XXXX XXXX XXXX  had been on my credit reports for at least three and a half years before this account was deleted without my permission.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After reviewing my credit report, I quickly realized that I have become a victim of identity thief! Many accounts were established in my name without my permission or consent! I sent the all the supporting document needed to the credit Bureaus and I didn't get a response!

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Recent Dispute Dates : XX/XX/2023 Reason : Dispute XXXX of the credit card that doesn't belong to me. The credit card has due pay for over 150 days. It severely damaged my credit score. 

Actions I have taken : I filed multiple disputes regarding XXXX of the mis reports of the credit card that doesn't belongs to me. The XXXX told me they did investigation and won't change the record. 

I also called BofA to help correct it, my XXXX XXXX got back to XXXX in XXXX after I call BofA. 
But somehow the wrong bad record comes back to my report again, decreased my score to XXXX. 

It is so obvious that the owner name of the card is not mine, and I double confirmed with BofA that even the XXXX of the card is not mine as well. 

The XXXX refuse to give out details of how they do the investigation, how they ignore the obvious mistake on the record.

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 2023-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed around XXXX points were deducted from my credit score. 
XX/XX/XXXX : I saw that on XX/XX/XXXX ATG Collections had opened a derogatory account against me attempting to collect {$650.00} in medical charges from a service in XXXX. 
XX/XX/XXXX : I called the original creditor, XXXX XXXXXXXX, and they confirmed with me that my account has already been resolved with remaining balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX and was also told my balance has been resolved as well. XXXX said that I as a XXXX  patient am not financially responsible for any medical bills and that even in the event that my insurance does not pay ( in part or in full ), the creditor must absorb the rest. They have sent me a " Resolution of Your Grievance Request ''. 
I also called ATG and they told me that XXXX XXXX would have to directly contact them to confirm the resolved account. XXXX  XXXX told me that ATG would have to contact them directly to request that. It has been a back and forth ever since with neither side willing to contact the other directly for confirmation. 
Between XX/XX/XXXX and XX/XX/XXXX I called and asked ATG for verification of debt. They emailed me an itemizied statement from XXXX  XXXX that showed the charges, the sale of debt write off to ATG and the subsequent insurance payment/settlement. I have attached this document below. 
XXXX : I called ATG and asked to speak to their manager XXXX. She was unavailable and told her rep to tell me that this itemized statement from XXXX  XXXX was not acceptable. She insisted that only an EOB from my insurance would be accepted as proof of my resolved account. XXXX XXXX said that this was the responsibility of XXXX XXXX who fall under XXXX XXXX. Their investigation showed that this bill was not found in their system. They called XXXX  XXXX and spoke with XXXX on XX/XX/XXXX who said the issue with my account has been resolved and now shows {$0.00}. 
From XXXX I have opened 4 disputes online : 2 with XXXX, 1 with XXXX  and 1 with XXXX. Both XXXX  disputes came back incorrectly showing I still owe {$650.00} to ATG. This is misrepresentation and ATG seems unwilling to update my account and stop trying to collect from me despite documented evidence provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KS

Complaint narrative:
I am a full-time teacher. 
I have been waiting on the phone for 4 hours. 
I would rather stay on the phone because the call back option has not functioned properly with past attempts being that no call has been returned. 
There is no email option as well. At least with the loan service -- before consolidating with MOHELA -- had an email option to communicate efficiently with real people. 
This is not the first time I have called MOHELA and waited an excessive amount of time for a service member. 
This is a poor way of treating educated professionals who are eagerly trying to manage their loans and personal finances. This loan service is lacking integrity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information from my consumer credit report. The items to be deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted as soon as possible to correct my consumer credit report. I reported this theft to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are fraudulent accounts being reported on my credit report that must be deleted now. I did not give consent to any of these accounts. Please fully investigate and remove inaccurate items from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 168XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 the report 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 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: First Texas Auto Credit, Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, XXXX and XXXX removed my paid in full : account for First Texas Auto Credit. First Texas Auto Credit has been reporting this account to both XXXX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with 1st Texas off in full. XX/XX/XXXX, I in writing requested that 1st TX Auto, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, The First Texas Account Credit Account was DELETED from my XXXX, and XXXX credit reports. I did not authorize or request the deletion of the 1st TX Auto Credit account. I contacted XXXX on XXXX XXXX, XXXX and requested that the First Texas Auto Credit account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact 1st TX Auto Credit and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at 1st TX Auto Credit and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( 1st TX auto ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by 1st TX Auto. At this time. The 1st TX Auto Credit is currently missing from both my XXXX and XXXX credit reports. The account was removed from my credit reports without my consent. The 1st Texas Account had been on my credit reports for at least three and a half years before this account was deleted without my permission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, EQUIFAX and XXXX removed my paid in full : account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting this account to both EQUIFAX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, I in writing requested that XXXXXXXX XXXX XXXXXXXX, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account was DELETED from my EQUIFAX, and XXXX credit reports. I did not authorize or request the deletion of the XXXXXXXX XXXX XXXX XXXX  account. I contacted XXXX on XXXX XXXX, XXXX and requested that the XXXX XXXX XXXXXXXX XXXX account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called EQUIFAX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact XXXXXXXX XXXX XXXXXXXX XXXX and request that the creditor place the account back on my credit report at EQUIFAX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( XXXXXXXX XXXX XXXX  ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by XXXX XXXX XXXX At this time. The XXXX XXXX XXXX XXXX  is currently missing from both my EQUIFAX and XXXX credit reports. The account was removed from my credit reports without my consent. The XXXX XXXX XXXX had been on my credit reports for at least three and a half years before this account was deleted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See document attached

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX  XXXX XXXX Account number : XXXX Reported XX/XX/2022 on my Equifax consumer report. XXXX XXXX XXXX have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 

Late Payments Also the XXXX XXXX XXXX  is reporting Late Payments on this account. Late payments are illegal. 

XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer report. I need this transaction or experience deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My debit card was stolen on XX/XX/2023 and {$1400.00} was spent from my checking account with Wells Fargo. 

I reported this amount on XX/XX/2023 and was given a temporary credit of {$1400.00} to my checking account while they continued to investigate the claim. 

After calling Wells Fargo, I was told that this would be resolved within 60 days.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Please see the attached Email to the XXXX XXXX XXXX. All the details are in there. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
on XX/XX/2023 i went to the gas station to fill up my car the amount on the pump was XXXX my credit card was charge XXXX credit card company said they can not help me with out a receipt.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint Report ( XXXX ) to XXXX regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( XXXX Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: MS

Complaint narrative:
15 USC 1681i This Spreading False Information On Me As A Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXX gave TWO companies, IQ Data and XXXX my debt. There is record of both companies with the original creditor ( XXXX XXXX ) on my credit files. XXXX removed their files when they found out that XXXX XXXX illegally gave my debt to, two different companies. IQ data is refusing to cooperate and delete the credit file from my XXXX report. It is not showing on my XXXX  but is still showing on my XXXX. I have disputed it multiple times but XXXX XXXX seems to have them believing that they are correct but when XXXX reached out to XXXX XXXX inquiring about IQ data, XXXX XXXX never responded in which they had to remove their credit files. This has falsely impacted my credit in a tremendous way, I have spent years and months trying to get this removed with the little knowledge that I had but I know more now and IQ data, XXXX and XXXX XXXX have done me wrong the past 5 years and I am going to be seeking compensation because theres more to this story than people know which involves the property manager at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief