vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited XXXX terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing 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 2023-08-24 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: WHEELS FINANCIAL GROUP, LLC.
State: WA

Complaint narrative:
Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited 800loanmart terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio RC XXXX XXXX This account was settled for less than the balance. The company updated the comments to show paid in full for less than the full balance but updated the actual balance to show the amount they discounted as due. This is preventing me from being able to purchase my home. I have requested for them to update to the actual balance and have no responses. 
I need this account to show the correct balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a certified bank check in my business checking account on XX/XX/. The bank has put an hold on it until XXXX The issuing bank is a local renowned bank. To put a 10 day hold on a certified bank check is unreasonable

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 2023-08-24 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been posted to my consumer report. I recently discovered that there are accounts on my report that I believe to be a result of identity theft following a data breach of my personal information. Ive called in and tried to remove information but customer service said the bureaus where suppose to remove information. 
Account Details Accounts Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX | XXXX Date of Discrepancy : XX/XX/2022 Description of Discrepancy : Unauthorized Use of XXXX, Identity theft filed I am deeply concerned about the presence of these accounts, as they are not a result of any legitimate transactions or agreements made by me. Given the circumstances of a data breach involving my personal information, I strongly believe that these accounts are fraudulent and do not reflect my financial activities. 
I kindly request that XXXX XXXX Bank thoroughly investigates this matter and promptly removes the disputed accounts from my consumer report. I also request that any associated negative marks or derogatory information related to these accounts be removed as well. 
Enclosed with this letter are copies of documents that support my claim of identity theft and the unauthorized nature of these accounts. 
I am committed to resolving this issue as swiftly as possible and restoring the accuracy of my consumer report. I appreciate your attention to this matter and expect your prompt response. 
Please communicate with me in writing to inform me of the actions taken to investigate and resolve this dispute. You can reach me at the contact information provided above. 
Thank you for your immediate attention to this matter. 

Ive disputed these accounts but they continue to be verified. The credit bureau wont remove these inaccurate accounts without XXXX XXXX removing them 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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX and I have been a Citi credit card customer for more than 8 years. I have been a loyal customer and never missed a payment. Today I found that all five Citi credit cards, Citi XXXX, Citi XXXX XXXX, Citi XXXX, Citi XXXX XXXX, and Citi XXXX XXXX cards have been closed without any notice. I don't know what's going on since I can not recall anything I did wrong recently. I just use my credit card regularly and pay on time. One thing I remember is I lost my wallet in XXXX and had fraudulent activity on my XXXX XXXX  card which I reported it. Also, I downgraded my XXXX XXXX  card last week since I have severe lower XXXX XXXX issue and XXXX XXXX and can not travel for a while. Other than that I don't see I did anything suspicious that deserves to have all my CITI credit cards closed. I have been a Citi customer for a long time and please reinvestigate my case and reopen my account. Thank you so much!

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 2023-08-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ERROR CODE XXXX  THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2023. I reached out to Wells Fargo Auto Loans in regards to my auto loan application from XXXX XXXX XXXX being denied. I explained to them my Constitutional Rights as a consumer under the Consumer Bill Of Rights. One lady hung up on me and a gentleman transferred my call where nobody picked up. I explained to them my concerns about being discriminated against ( Equal Credit Opportunity Act ) because of my credit score. I also explained to them that I submitted a Federal Reserve Note that was denied and continued to explain the obligations of the United States by all National, Member, and Federal Reserve Banks ( Federal Reserve Act Section 16 ) where they still denied me. Before the lady hung up on me she explained that a supervisor would reach out to me within 7-10 business days, but the gentlemen switched me right over to a supervisor. Unfortunately no supervisor answered.

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 2023-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just got off of the phone with one of the reps in the Special Services Department by the name of XXXX. I explained to her about how these creditors who are reporting on my Experian Credit Report negatively are not finding my personal information in their systems. I also reached out to the original creditors as well and they also confirmed that they can not find may information in their system as well. 
I spoke to a supervisor in Experian 's membership department who was able to find discrepancies which confirmed what I stated regarding these negative accounts reporting on my Experian Credit Report not being mine. He gave me the following Ticket Number : XXXX. He then proceeded to transfer me back to the Special Services department of Experian. This is when I spoke to XXXX in the Special Services department. I gave her the Ticket Number above and sh informed me that she did not see anything with that particular ticket number. So i explained to her my circumstance I was facing and she informed me that there was nothing further she could do because there is an existing dispute going on as of the XXXX of this month, which it should have been dated the XXXX of XXXX XXXX but I just learned, everything to submit new docs pertaining to my dispute, they are trained to start my whole dispute over again with a whole new date. Remind you, I'm submitting more documents because certain reps are claiming their not getting certain docs I'm sending over, but when I speak to other eps after I had already re-sent the docs again, their confirming its there. So now my whole dispute got pushed to the XXXX of XXXX, XXXX  and will be finalized by XXXX, XXXX, XXXX. 
Their computer systems need a major overhaul. The functions the special service department people have at their disposal need to be majorly overhauled as well. 
The communication with these reps need to be much better.

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 2023-08-24 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: NY

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-25 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: CT

Complaint narrative:
Account name : XXXX /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXX XXXX my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy. 

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate.

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: CT

Complaint narrative:
Account name : XXXX  /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXXHas violated my rights.

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. 

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.

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 2023-08-24 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: SC

Complaint narrative:
XXXX XXXXXXXX is showing 120 days late for 17 months. The account still shows open and has been paid off since XX/XX/XXXX. It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the account was already paid off by then.

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 2023-08-24 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX XXXX XXXX  bill this year. They show I had 3 separate charges incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
XXXX XXXX XXXX XXXX XXXX Balance details Paid off- Balance- Balance updated- Original balance {$24000.00} Account info Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX  Account typeAuto Loan XXXX XXXX XXXXOriginal creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$410.00} Balance updatedXXXX XXXX XXXX Original balance {$410.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX Account typeDebt Buyer StatusCollection account. {$410.00} past due as of XX/XX/XXXX. 
Status updatedMar XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$2300.00} Balance updatedXXXX XXXX XXXX Original balance {$2000.00} Account info Account XXXX Date openedXXXX  XXXX, XXXX Account typeCollection StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX XXXX {$1100.00} Balance updatedXXXX XXXX XXXX Credit limit {$750.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeCharge Car XXXX Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX Account typeCredit ca

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NY

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 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:
PLEASE SEE ATTACHMENTS : Enclosed please find the evidence detailing Equifax 's violations of federal laws, encompassing the FCRA and GLBA. These violations involve unauthorized reporting, absence of verification, non-compliance with opt-out provisions, lack of wet ink signatures, and failure to conduct proper investigation procedures. These actions infringe on my rights and have resulted in significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I've attempted to contact my mortgage company Shellpoint A division of NewRez for the last 6 months using the phone number provided to me by them, XXXX but it automatically disconnect me every time i've attempted to call them. it wasn't until I got the foreclosure notice that I was able to contact my original lender with their listed company name. XXXX XXXX XXXX which I was able to reach an agent of that company who themselves told me that the number provided by ShellPoint wasn't the correct number to contact them. The XXXX agent then provided me with the correct number to reach shell point at : XXXX and XXXX. I tried submitting an inquiry on their website about the correct contact information aswell but their website gave me a scripting error. When I finally spoke with an agent at shellpoint a division of newrez they told me I could contact them through the exact same number that automatically disconnects every time I called, and to make sure it wasn't just my phone service i've tried at least 5 other phones borrowed from friends and family, both mobile phones and land lines. They denied that the phone number doesn't work, so i requested a script of the recorded call. I gave them all of my updated contact information for their records which you can get from them as my phone number has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
PLEASE SEE ATTACHMENTS : Enclosed please find the evidence detailing Equifax 's violations of federal laws, encompassing the FCRA and GLBA. These violations involve unauthorized reporting, absence of verification, non-compliance with opt-out provisions, lack of wet ink signatures, and failure to conduct proper investigation procedures. These actions infringe on my rights and have resulted in significant harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Credit inquiry received on XX/XX/2023 for a credit card with Capital One. This was not me. I immediately contacted Capital One and they said the account was not opened. However, Capital One has not reported this to XXXX even though they claim they sent he request. XXXX claims they have requested Capital One to respond to the false claim to remove from credit report but Capital One has not responded according to XXXX. I have waited 6 months to get this resolved and want this removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief