vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/XXXX disputes XXXX disputes, XXXX disputes XXXX disputes all of XXXX and XXXX of XXXX via online via uses, via phone calls to dispute. I am guaranteed accuracy per Federal law and the FCRA and this company has ignored my rights, continues to report numerous damaging inaccuracies and are negligent to me and my consumer report. They have had numerous chances to correct all of these inaccuracies and their assumption is not a valid reason to disregard federal.law and my guaranteed accuracies. They flat don't XXXX care nor do they take their job and their inaccurate reporting seriously. And no cause of proof of inaccuracies has been brought to life. I want to be compensated for each and everyone. The allowed time frame has expired multiple times. I demand compensation per Federal.law IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My infromation was sold and bought illegally because I was a victim of the Equifax data breach. I want these itemes deleted from my credit reports effective IMMEDIATELY. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done NOTHING. Please help me remove and delete Please help me to DELETE these illegal accounts from my credit reports. 

1. DEPT OF ED / XXXX {$2900.00} or {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received three letters from two separate credit card companies letting me know my " application '' had either been denied or, in one case, they needed more information. I have freezes on my credit lines due to identity theft that took place in XX/XX/2022, so that was why the accounts were not able to be opened immediately. However, someone is trying again. 

Two notices were from Citi Cards and one stated that they were denying it because of multiple applications submitted. I haven't called them because there is not a phone number anywhere on either notice. 

One notice was from XXXXXXXX XXXX for a XXXX credit card. They are the ones asking for more information. 

In XXXX  I received email notifications, so they were actually using my email. This time I haven't, so I assume they applied with a different email.

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 2024-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
XX/XX/XXXX my payment was increased from {$490.00} to {$530.00}. Unfortunately, I didn't notice this increase at first. It wasn't until XX/XX/XXXX that it became evident that they had increased my bill and that is when I called them. In XX/XX/XXXX they increased it additionally to {$600.00}. I called them and was told that they had not increased it but the Insurance company had increased my premiums causing the increase to my premiums with Wells Fargo. 
Of course, I called my insurance company and also checked my property tax as well and neither one had increased and Wells Fargo refused to reduce the payment. 
Within four months my payment had increased by over {$100.00} and we were stuck paying it.

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 2024-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
A company I used to reside in is saying I owe a debt with them. I moved out of the residence in XXXX, XXXX. I only signed a 12 month lease with them from XXXX XXXX XX/XX/2023. I have multiple leases from that have different amounts and dates. The months they are stating I owe the debt XXXX XXXX XXXX I lived elsewhere with proof. I went through a third party called The Guarantors to be approved for the unit and around XX/XX/2023 when I moved out that third party gave me back my deposit, the had to contact the property and make sure all balances were paid before it was released. I have contacted the property about this issue and was told the files were put up and they no longer are owned by the property management company that was there when I stayed. I would like to get this situation handled as It is affecting my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft and I sent certified letters to XXXX, Trans Union and XXXX asking to remove or block fraudulent and incorrect information from my credit report in accordance to ( FCRA ) 605 section B. Each Agency replied that they would not block said accounts because they were investigated and verified. The only way to verify said accounts is to do a through investigation requesting the original contract with my signature and corresponding signature from the creditor. There were no means of how the investigation was done nor any proof sent to me of the investigation as to how the information was verified. My rights are continued to be violated. I have sent a FTC and police report yet they are still not complying with the laws here under FTC 605 b.

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 2024-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: CT

Complaint narrative:
I called Penn Credit on XX/XX/XXXX to schedule a payment of the full balance owed to XXXX XXXX gas of {$270.00}. The payment was scheduled for XX/XX/XXXX. There was a second payment to XXXX XXXX via Penn Credit that was scheduled for XX/XX/XXXX and that payment was taken out of my account by Penn Credit. I was under the assumption that all of the balances were paid in full since I made the payment arrangement and there was no other communication from Penn Credit. 
Today XX/XX/XXXX, 4 months later, I received a letter in the mail from Penn Credit to collect a debt of {$270.00} that was outstanding for XXXX XXXX XXXXXXXX. I thought that there was a mistake since this was paid in full in XXXX last year. I called Penn Credit and was told by them that the balance was still owed. They tried to tell me that they debited my bank card on XXXX but the payment was denied. This was a lie since the money was in my account and it had a positive balance of {$930.00} on XX/XX/XXXX and sufficient funds the following days ( snapshot included ) and the second payment that they took out on XX/XX/XXXX was deducted from my account ( snapshot also included ). The problem wasn't with my bank or balance. I asked why they did not contact me immediately and why it has taken 4 months to be notified via mail that my payment didn't process. I asked if they can send me proof via mail of their billing paperwork that shows that their attempted payment was denied and they refused to send me that. It is my belief that Penn Credit 's billing department made an error or did not take the payment on XX/XX/XXXX as scheduled and left this debt sitting with them until now. This could have had serious consequences for me if it was reported to collections because I am in the process of buying a home. It is unacceptable that they waited 4 months to send me a letter stating that they still had this balance when it was scheduled to be paid in full on XX/XX/XXXX. XXXX. They told me that they tried to call me but they did not leave a message. I received no communication via mail or email from them or XXXXXXXX XXXX XXXX until now. Penn Credit 's methods of processing and collecting debt are faulty and potentially damaging to consumer 's credit records, in turn their ability to rent or buy a home and take care of other necessary life responsibilities and needs that rely on credit reporting and consumer credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: PA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on damaging my credit worthiness. I am trying to buy a home for me and my tried several times to get these accounts removed. Let alone, my private and personal Information was involved in XXXX and experian data breach some months ago so I thought you all would protect my consumer report. information is being protected. This is a defamation to my character and this is a violation to federal law. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report Fairness and privacy has been violated. 
I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should not be furnishing peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the police department and Federal Trade Commission. These companies can get sued for these damages. This is negatively effecting my livelihood and putting h me in a bad position. I feel your database is inaccurate and I am filing ligation against this company immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I disputed the debt with all three credit bureaus, two of which have taken the debt off my report. One hasn't and it's hindering my score. The debt was proven to not be mine/ owed by me. I would like this matter handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to dispute a charge of {$3100.00} to my credit card account on XX/XX/2023. The charge is fraudulent because of the following reasons : 1. After I was given the final amount, the merchant refused to provide an itemized receipt. The only bill I was allowed to see was the total amount of XXXX XXXX  hand-written on a napkin. 
2. The merchant threatened XXXX XXXX if I did not pay the full amount. 
3. After disputing the charge, the merchant provided a table receipt which only contains two bottles of wine. I have never seen this receipt before. I did not consume two bottles of wine. 
4. The merchant left the room to charge my credit card, and did not provide the credit card receipt for signature. The signature on the credit card receipt appears to have been forged. It does not match my signature as-written on paper. 
5. The place of business given on the dispute XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX was not visited by myself. 

I did not buy or consume the items indicated on XX/XX/2023, and only provided my credit card to protect myself from the threat of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: U.S. BANCORP
State: CO

Complaint narrative:
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX  and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no 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 2024-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have requested that everything be addressed from Wells Fargo and I did not receive my request back from Wells Fargo. I also want the process of the Sheriffs Sale of my home to cease immediately. The amount that Wells Fargo says that I owe is inaccurate. None of the debts that they list are still owed. The most recent document that I received from the Sheriffs office says that {$130000.00} plus is owed. When in fact it should only be {$24000.00} to Wells Fargo. In addition. I have several documents from Wells Fargo that were false/fake that were supposed to pertain to my original closing documents. I found the original documents. Wells Fargo has a noted history of falsifying documents against consumers in order to steal their properties. I have the evidence that they have done the same to me. I have evidence that Wells Fargo had changed my original rate that I agreed to when I signed for my mortgage to benefit Wells Fargo. All of Wells Fargos actions have been illegal and predatory.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a claim on XX/XX/23 with Wells Fargo. I was told I would be getting a provisional credit. I did not do any business with pretty little thing. I attempted to but the website was giving me an error message. But my bank was still authorizing for the payments to come out of my account. I spoke with different associates for the past 4 days from the XXXX and they were all rude and giving me the run around about receiving my money. I didnt authorize the purchase because I dont have a receipt to confirm purchases. Today the XXXX and they have denied my dispute saying that I can not open a new one. I have not received any products from pretty little thing. Not even a confirmation number.

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 2024-01-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft and I sent certified letters to Equifax, XXXX XXXX and XXXX asking to remove or block fraudulent and incorrect information from my credit report in accordance to ( FCRA ) 605 section B. Each Agency replied that they would not block said accounts because they were investigated and verified. The only way to verify said accounts is to do a through investigation requesting the original contract with my signature and corresponding signature from the creditor. There were no means of how the investigation was done nor any proof sent to me of the investigation as to how the information was verified. My rights are continued to be violated. I have sent a FTC and police report yet they are still not complying with the laws here under FTC 605 b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft and I sent certified letters to XXXX, XXXX XXXX and Experian asking to remove or block fraudulent and incorrect information from my credit report in accordance to ( FCRA ) 605 section B. Each Agency replied that they would not block said accounts because they were investigated and verified. The only way to verify said accounts is to do a through investigation requesting the original contract with my signature and corresponding signature from the creditor. There were no means of how the investigation was done nor any proof sent to me of the investigation as to how the information was verified. My rights are continued to be violated. I have sent a FTC and police report yet they are still not complying with the laws here under FTC 605 b.

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 2024-01-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted XXXX to address the following discrepancies in my credit report. Despite my initial inquiry, I have not received a response to date. The details of the inaccuracies and the necessary corrections are outlined below : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) : Incorrect information : Balance seems higher than remembered ; reported as closed, but Past Due amount provided. 
Requested action : Report the account as disputed while I address the issue with the creditor. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation