vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a letter in the mail on XXXX from a Law Firm company named XXXX XXXX XXXX XXXX, XXXX Attorneys at Law. The letter was titled " Dear XXXX XXXX RE : Wells Fargo Bank XXXX XXXX XXXX XXXX courthouse records indicate that the above referenced creditor has filed a LAWSUIT against you for the collection of a debt. It also stated that the creditors are attempting to " GARNISH MY WAGES '', OR " PUT A LIEN ON MY BANK ACCOUNTS OR other PROPERTY! I almost had a XXXX XXXX from hyper ventilating while reading this as I was sitting in my truck. 

Monday morning XXXX, I IMMEDIATELY called the number on the letter to find out what could this possibly be about. Of course, they said I would have to call Wells Fargo and so I did. I called several numbers not getting any answers, so I called the Legal department hoping to get some answers. Not even they could tell me anything. I looked up the corporate location in the XXXX 's and got a phone number to call, but it led nowhere. I then thought to call the Ga XXXX XXXX XXXX XXXX and that is where I found the information from XXXX XXXX XXXX. He informed me of what was going on with the fraudulent activities that Wells Fargo had done and how they did it. My Line of Credit was compromised by XXXX of Wells Fargo 's own employees to get their own satisfaction at someone else 's expense. I have been very upset since I received this letter missing sleep, not being able to eat and have had no response from Wells Fargo. I want this settled and punitive damages will be requested by me for all that they have put me through.

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 2023-02-23 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: TX

Complaint narrative:
Equifax is allowing XXXX XXXX XXXX to furnish inaccurate information to my credit file. Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is a 3 month difference. The proof Im providing is directly from my credit report. Due to the reporting of inaccurate information I want the account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
While I was XXXX XXXX XXXX XXXX, I received new orders and was unavailable to take my leased Hyundai vehicle with me. I submitted my orders multiple times to Hyundai and they ended up writing it off as a charge off and now it is being reported as a charge off. I again submitted my orders to all of the credit bureaus and they have not removed the charge off. I have been failed as a service member by Hyundai and XXXX credit bureaus.

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 2023-02-23 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. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read 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 conviction 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 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 2023-02-23 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: FL

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

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read 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 conviction 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 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Sometime in XXXX our PMI should have automatically terminated in accordance with the law ( principal balance below 78 % ). I contacted Citizens and Citizens told me that I would have to make a request for the PMI to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: AZ

Complaint narrative:
In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance Balance updated {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance Balance updated {$25.00} XX/XX/XXXX. XXXX XXXXXXXX XXXX LATE PAYMENT  Balance Balance updated {$130.00} XX/XX/XXXX XXXX XXXX Balance Balance updated SO XX/XX/XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report, 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. 16815-2 ( 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 explanation
Consumer complaint received 2023-02-23 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: MD

Complaint narrative:
I applied for a loan yesterday and was told a delinquent account with XXXX existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, Transunion and XXXX ) have the delinquent account listed. I have never opened an account with XXXX. I called XXXX in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted Transunion to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.

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 2023-02-23 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: MD

Complaint narrative:
I applied for a loan yesterday and was told a delinquent account with XXXX existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, XXXX and Experian ) have the delinquent account listed. I have never opened an account with XXXX. I called XXXX in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted XXXX to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.

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 2023-02-23 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/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 2023-02-23 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts associated with my credit report. The charge off accounts in question are from XXXX and XXXX XXXX with account numbers XXXX and XXXX respectively. 

I am not aware of any delinquent payments or actions that would result in these accounts being charged off. I have always made payments on time and in full, and have never received any notifications of missed payments or other issues with these accounts. 

I request that you investigate these charge off accounts and provide me with a detailed explanation of the circumstances surrounding their creation. Additionally, I request that you remove these charge off accounts from my credit report if they were created in error. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts associated with my credit report. The charge off accounts in question are from XXXX and XXXX XXXX with account numbers XXXX and XXXX respectively. 

I am not aware of any delinquent payments or actions that would result in these accounts being charged off. I have always made payments on time and in full, and have never received any notifications of missed payments or other issues with these accounts. 

I request that you investigate these charge off accounts and provide me with a detailed explanation of the circumstances surrounding their creation. Additionally, I request that you remove these charge off accounts from my credit report if they were created in error. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo foreclosed and had me evicted form my house about XXXX in XXXX XXXXI lost all my possessions and was on the streets for 3 days. cfpb must determine if Wells Fargo was in violation of federal Law!

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
In XX/XX/XXXX I reached out via mailed correspondence to LexisNexis requesting the removal of information ( address, telephone numbers, insurance claims, etc. ) that does not belong to me or documentation validating the information is mine. I received an updated consumer report on XX/XX/XXXX and the inaccurate information is still reflected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX Credit Card & Home Depot Credit Card..Accounts was open due to Fraud & doesn't belong to me & i have submitted & FTC Report due to Fraud & are refusing to remove it from my Credit Reports

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 2023-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/23 I agreed to and paid a settlement amount to XXXX XXXX XXXXXXXX on behalf of Midland Mangement group for 2 credit card debts for XXXX and XXXX. I continue to get calls from Midland Management about owing them the outstanding balance and they continue to dispute to XXXX that I still owe the full amount even though it was paid on XX/XX/23. It was closed by the courts and I have shared all of this documentation and yet am still being harassed by XXXX and they are dishonest in that I owe them any money as this has been settled. This company is by far the biggest scam and lies and should be closed down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, sent a {$1100.00} XXXX  payment to XXXX XXXX on XX/XX/XXXX around XXXX XXXX and it was never successfully delivered. My bank is Capital One in her bank is XXXX XXXX  XXXX. She never received a notification or any confirmation from me or XXXX. Her this amount Ive reached out to capital one immediately the entire week of XX/XX/XXXX. Capital one was telling me to wait until the funds went through. Ive waited and waited, but it never successfully got delivered. She to call XXXX XXXX XXXXXXXX, but nothing was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CA

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2023-02-23 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: PA

Complaint narrative:
Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX  on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. 

The DEPTEDXXXX tradelines on my credit report are fraudulent, inaccurate and incomplete. 
I do not have an account with DEPTEDXXXX DEPTEDXXXX accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 

DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.

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 2023-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I accepted and cashed a check mailed to me from Tower Loan in XXXX, IL in the amount of {$4000.00}. On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I made my first payment, via cashier 's check, in the amount of {$300.00}. 
On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I paid, via cashier 's check, the remaining balance of the loan IN FULL an amount of {$3900.00}. 
Now I receive calls from Tower Loan daily. They have called relatives, friends, neighbors, and associates to collect a debt that is already paid. I have made copies of all my documentation and receipts and mailed them copies via certified mail. I have let them know I do not owe any debt and also that if there is any discrepancy to please send documentation via mail. They have not done so as of XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation