vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
When I moved in a renter to my home I asked that all correspondence go to my new address except the mortgage payment. They were sending the notice that Wells Fargo was paying the taxes unbeknownst to me. The renter was to be paying the taxes, and was lying about paying it. 
Also that it was always late, and there were multiple late fees which went against my credit. The bank was dealing with the renter, not me. 
When I went to sell it I didnt realize on the 2nd mortgage there were additional monies owed, and the realtor said it was up to me to know. I ended up having to pay {$12000.00} to the buyer because I was never notified that Wells Fargo was paying the taxes.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report an issue with Chex Systems, a consumer reporting agency that provides information to banks and credit unions about consumers ' banking histories. Specifically, I have found that Chex Systems is not removing accounts that are inaccurate from their reports. 

I have personally experienced this issue when I discovered that Chex Systems was still reporting an account that had been closed for several years. Despite multiple attempts to dispute this information with Chex Systems, they have not taken any action to remove the account from my report. 

This is particularly concerning to me because inaccurate information on consumer reports can have serious consequences. In my case, this erroneous information could potentially impact my ability to open a new bank account or obtain credit in the future. 

I believe it is important for Chex Systems to be held accountable for accurately reporting consumers ' banking histories. I urge you to investigate this issue and take appropriate action to ensure that Chex Systems is removing inaccurate accounts from their reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ll

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 2023-02-24 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: VA

Complaint narrative:
On XX/XX/2023 I requested a copy of my credit report from Trans Union. While going over my Trans Union credit report I noticed multiple inaccuracies throughout the report. I compared the information that I received from my personal records, my creditors and other credit reporting agency and saw that Trans Unions information that they were reporting about my credit worthiness did not match the informed that I had on file nor did it match the information from my creditors or other credit reporting agencies. I demand that Trans Union do a full review of my entire credit report and verify all the information they have on file and correct the information that they can verify as accurate and delete all information they can not verify as accurate.

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 2023-02-24 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am writing to express my frustration with Midland Credit Management and the negative impact they are having on my XXXX XXXX. I disputed this Account multiple times and have been attempting to resolve the issue with them. 

Despite my efforts to resolve the matter, Midland Credit Management has continued to report the alleged debt to credit bureaus, which is significantly impacting my credit score. As you can imagine, this is causing me a great deal of stress and frustration, as I have worked hard to maintain a good credit rating. 

Here I include XXXX tracking numbers : XXXX and XXXX, and I am prepared to take further action if necessary to protect my rights and interests. 

I request that you investigate this matter and take appropriate action to hold Midland Credit Management accountable for their actions. I also request that any negative reports related to this alleged debt be removed from my credit report, Because they are inaccurate and unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: TN

Complaint narrative:
I asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX  Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A states that 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. See attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: WA

Complaint narrative:
I was notify a alert on my credit report on XXXX that my score dropped 22 points because there was a collection added to my credit I dont know who these people are they dinged my credit I dont know what it is or how long its been owed! I tried calling nobody answered or nothing! I was looking online and they said they have to my signature in order for them to have this debt which I dont have any or nothing! Never got mail from tnem or phone call or email nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: GA

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 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXys XXXX XXXX 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 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 2023-02-24 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: GA

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 XXXX XXXX XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: TX

Complaint narrative:
I called into this company in response to a collection notice I receive via email. I spoke with an agent named XXXX XXXX. He was rude from the get go of the phone call. This particular debt was taken on by another collection agency previously and I received a letter that they have dismissed the debt after I disputed it. Now all of a sudden ERC is trying to collect on it. When I explained this to XXXX XXXX, he was rude in his response to tell me that it was my fault because I did not do what I was " supposed to do '' in regards to the debt. He outlined all these steps that I " should have '' done. I asked him how would I have known that if nobody has previously told me to follow those steps and if the previous company dismissed it. He continues on, rudely, ( paraphrasing ) " and here we are again, that's why you're here because you didn't follow what you were supposed to do. '' He was condescending with me throughout the entire call. I did not appreciate his tone, attitude, nor the way he handled the situation. The website he gave me to file a report is a non working website. I am not sure of the legitimacy of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: NJ

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 1681. 


DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Received a notice that I owed XXXX that was owed XXXX and today with XXXX XXXX XXXX 
I do not have any accounts with that company. 
I called on XX/XX/2023 to informed them that was not my debt. I was informed that the last four digits on SS number was not a match. So assumed it was either sent to the wrong person or someone is using my identity. 
I mailed a reply XX/XX/2023. 
Today I received another notice stating the same as the first one about an outstanding debt. I called again and was informed that XXXX XXXX XXXX  was still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have tried to communicate with Macys About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

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 2023-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
Fortiva received a payment request for them to direct debit my XXXX XXXX XXXX account for {$500.00} to pay my credit card bill payment. Instead they refused to allow the payment to be processed and decided to block me from making payments on the account # XXXX.I was told to call them to verify any form of payment and when I called they were illegally asking for my payment card number and refusing to allow me to process it online. I then entered a new account number that encourages bank account payment. It says it will be processed in 24 hours. This time they ignored the payment cause the bank waited with me. They are now refusing to pay the payments intentionally denying me my rights.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I never received the response in the mail as stated in a previous complaint filed against the same banking institution. On XX/XX/2023, I reached out for the 17th time to initiate a claim for fraud for a total amount of approximately {$40000.00}. I did the same on XX/XX/2023, and even went to a branch and sat there for over two hours to try and file a claim. I called today, XX/XX/2023, to the fraud department to obtain a case number or anything, and was bounced around to person to person and never was connected to anyone who could take the claim information or answer a single question. In 3 hours and 45 minutes ( Three hours Forty-Five Minutes ) of bouncing around with all the different representatives at Wells Fargo not a single time could I accomplish the purpose of my call. Each and every time I have contacted the Fraud Department at Wells Fargo or even call the bank I am not able to file a claim of fraud. This was the entire reason for me filing the first complaint with the CFPB which did absolutely nothing. The bank still has not allowed me to file the claim of fraud and there are too many checks to list in this complaint. I am tired of constantly wasting my time with this banking institution. If I can not get the claim filed how can anyone be held accountable for the fraud which I might add is a Class-D Felony. The Power of Attorney was allowed by the bank to cash and write checks and sign them as POA, which the POA had not been authorized to do on the account. Double-endorsed checks were accepted multiple, multiple times at the teller window. Endorsed checks did not match that of who the Pay to line is made out to or it was altered. The list is extensive and if this matter is too big for the CFPB or Wells Fargo 's Fraud Department, then I need to know who to file the complaint with as I do have tangible proof of the fraud. If you can graciously provide me with who to contact since the CFPB can not assist with fraud, I would be more than happy to contact the correct department. I will keep filing complaints with the CFPB, till I get a resolution to the fraud complaint that has not been filed in close to a year, not for lack of trying on my part, but for lack of the bank for not assisting the customer and educating their employees on how to handle fraud complaints. Even the XXXX XXXX XXXX XXXX who I spoke with the associate XXXX can not help with filing a fraud complaint. The amount of time that Wells Fargo has wasted and caused me to waste exceeds the amount of my salary I make in a year. I WANT THE BANK HELD ACCOUNTABLE! If I can not file a complaint or report fraud with the fraud department who am I supposed to report it to?

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