vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deferred three months of payments due to Covid. My payments were to resume in XXXX. I called Wells Fargo XXXX and told them I could resume payments. I asked to have the amount added to the end of the mortgage. I then made XXXX XXXX payment that the rep advised me to do. 

I called to make my XXXX payment on XXXX, and they said they had rejected my plan because I was to make a payment on XXXX XXXX. I spoke with my agent, and she said this was in error because I had made a payment XX/XX/XXXX. She was going to escalate this to her supervisor I called today XXXX and the rep I spoke with said that no supervisor had touched my account The are wanting me to pay {$14000.00} on XX/XX/XXXXXXXX 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 2022-11-18 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: GA

Complaint narrative:
Transunion continues to report 2 accounts on my consumer report that have already been removed from the other two major consumer reporting agencies. The accounts are both under the company name XXXX. These accounts were removed from XXXX as of my XX/XX/22 report, and removed from XXXX as of my XX/XX/22 report. Pursuant to Title 15 USC 1682e ( b ), consumer reporting agencies should follow reasonable procedures to ensure that the information that is being reported is accurate. Continuing to report accounts that have been removed from other consumer reporting agencies is a violation.

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 2022-11-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 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 explanation
Consumer complaint received 2022-11-18 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:
a lot of information is invalid it is hurting my file with Equifax I am interested in disputing all incorrect information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I applied for a banking account with XXXX. XXXX could not open the account due to the consumer report that XXXX received for Early Warning System. I contact the company to have my report sent to me. After receiving the report, I submitted a letter to start an investigation on a dispute. I sent a total of four letters requesting documents and validation of the information that was being housed and distributed to other companies at request. Early Warning responses each time calling these investigations frivolous dispute. The process started in XX/XX/2022, it has been over 30 days and 4 attempts for Early Warning to valid the information. The company has failed to provide documents for the information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IA

Complaint narrative:
I have submitted a complaint with the CFPB, XX/XX/2022 on XXXXXXXX XXXX and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted 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 non-monetary relief
Consumer complaint received 2022-11-18 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: IA

Complaint narrative:
I have submitted a complaint with the CFPB, XX/XX/2022 on XXXXXXXX XXXX and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IA

Complaint narrative:
I have submitted a complaint with the CFPB, XX/XX/2022 on XXXX XXXX  and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted 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 2022-11-18 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:
a lot of information is showing invalid on my credit report with Experian. I am interested in disputing all incorrect information to help my file become correct.

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 2022-11-18 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: GA

Complaint narrative:
*The Correct and Only Spelling Of My Name Is XXXX XXXX XXXX Following Addresses Do Not Belong To Me I Need It Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX XXXX has Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.

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 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
Last payment of {$7000.00} was received by Southeast Toyota Finance SETF.com towards my car pay off amount as of XX/XX/XXXX. The account balance was confirmed as negative - {$26.00} with SETF.com on XX/XX/XXXX. When I double check my balance on SETF.com by XX/XX/XXXX, I've found new balance {$7000.00}. XXXX is stating that my last payment was reversed back to my bank account, but the bank confirmed that I don't have anything from the merchant. XXXX is refusing to provide any associated information such as return tracking number. I have the case opened with XXXX as well as with the bank for a week. It looks there is a fraud going on with XXXX. What is the next step? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a HELOC with PenFed ( www.penfed.org ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my Penfed HELOC was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the 0.01 balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side.

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, Penfed is now knowingly in violation of the FCRA and is not taking steps to correct that violation.

I have attempted multiple times to have Penfed reverse the erroneous delinquency filing and they have refused to do so on each occasion.

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 2022-11-18 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Several inquiries was made without my knowledge from Milestone XXXX XXXX XXXXXX/XX/XXXX and Destiny XXXX XXXX XXXXXX/XX/2021. 
I have no knowledge of these other inquiries and wish to have them removed off my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I was notified that Experian is reporting XXXX credit cards as being closed when they aren't. They referred me to call the credit card companies and both cards are active. I want them to correct their incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 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: IL

Complaint narrative:
never gave written consent to this credit bureau to furnish anything on my behalf. this is fraud. this is causing so much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
As a result of a previous issue with a fraudulent credit card company, my score dropped over a hundred points. The illegal reporting was removed but the damage had been done. In an effort to increase my credit score, I followed the suggestion of XXXX XXXX XXXX to open a credit card. Unfortunately, the card required a deposit in which I was not willing to pay so I never activated the card. A month or so later I received a call indicating that I owed approximately {$140.00} on the card. I told the company that it had to be a fraud and asked them to investigate it. I also told them if it was an open account it needed to be closed. I was told an investigation would not start. In XX/XX/XXXX I received an alert regarding the same credit card that I was 30 days late. This issue is very very similar to the one with XXXX  that I had already been through. I called the company and asked why I was being reported when I never received an explanation or accredited answer from their fraud department, which is when they brought up XXXX. I currently have an attorney suing XXXX and XXXX  XXXX. When I questioned if the fraud investigation had been completed, they said they could not talk to me because I had representation. I have just finally escaped a XXXX  XXXX relationship, which caused me serious financial hardship in XXXX of XXXX, and was trying to sell my home and buy another close to family. However, because of XXXX, I was unable to get a favorable rate. So, I tried other avenues and the market changed in XXXX and rates skyrocketed, and I was not able to move. So, the XXXX suggestion seemed like a good one, until I was put right back into the same situation. This is a fraudulent pattern with the company that represents both XXXX  and Destiny credit cards. This behavior is extremely harmful to the public at large, especially those who have no knowledge of how to challenge these types of events that affect their very livelihood. 
Please investigate this company and the reporting practices of the credit reporting agencies that do not challenge these types of things but simply rubber-stamped them. I am once again going to try and purchase a new home and this has become a nightmare that just won't end. After all, I have been through having to deal with something as important as these, and having no control is devastating. It's only by the grace of XXXX that I have not lost my mind!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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:
3rd request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per XXXX the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX TO REIMBURSE LEGAL FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per experian the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX  TO REIMBURSE LEGAL FEES.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App card was stolen on XX/XX/2022 and multiple fraudulent charges were made. I disputed all of the fraudulent charges and the majority of them were refunded to me however 3 of the charges made totalling {$280.00} were not. These 3 charges were made tieframe wise in the middle of the other charges that were refunded to me as fraudulent however for some reason Cash App deemed these 3 charges as valid providing zero documentation for their basis for doing so other than a listing of the date of the charge, the amount, and the merchant name. I have disputed them at least 7 times with Cash App and they deny my claim everything without having any basis for doing so. They have essentially stolen my money. I want my funds placed back in my account and these fraudulent charges reversed immediately. Please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Multiple accounts were opened in my name with Navy Federal Credit Union, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to Navy Federal. My identity was stolen. I have already reported fraud to the company Navy Federal on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my XXXX XXXX has been effected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 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: IL

Complaint narrative:
In XXXX of 2022 XXXX was made aware of fraudulent accounts being reporting due to identity theft fraud. As well XXXX was requested by third party debt collector XXXX XXXX XXXX to remove a file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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:
In XXXX of 2022 Experian was made aware of fraudulent accounts being reporting due to identity theft fraud. As well Experian was requested by third party debt collector XXXX XXXX XXXX to remove a file.

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 2022-11-18 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: AZ

Complaint narrative:
I viewed my credit report and saw there was a XXXX  loan that did not pertain to me and I tried to dispute I was working when they applied for the federal loan. Im a single mom of XXXX small children in all honesty I couldnt work and go to school.

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