vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your 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 2023-03-17 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: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
Attached is a copy of my explanation of benefits which shows that this has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I withdrew my $ XXXX 401k check from Wells Fargo in XXXX when I was XXXX but then took it back to WF to roll over in an IRA account because I didn't want to be charged with the penalty. In XXXX, I called WF and wanted to withdrawn the $ XXXX check from the IRA account and the banker told me that he will send the check to my new address after 10 days due to the fact that they need to verify my new residence. The check never showed up and now it just disappeared. I have been back and forth with WF for all these years and nobody could tell me what happened to my check. They have no record of the check what so ever. I contacted by phone and by mail to my employer at XXXX XXXX which is now acquired by XXXX and nobody replied. My hard-earned retirement money of $ XXXX is just gone without a trace. I ran out of options and can't afford to give up. Could you help advise me what to do next to find my money. Any attorney that can help me with my case? Thanks in advance.

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 2023-03-17 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: TX

Complaint narrative:
Please update this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,

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 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Over 2 months ago Google Pay suspended my account for no reason under the email XXXX. I have contacted support dozens of times since then and provided them everything they asked for. I submitted my ID, I submitted my bank statements, and a physical picture of both of the debit cards on my account. Every time they reject the information and keep my account suspended. 

To top it off they are now trying to steal over {$700.00} from me. I am unable to withdraw my balance and when I contacted them about this they claim my money is being sent to " authorized state agencies ''. I have had my Google Pay account for over 2 years and never had a single issue but they are treating me like a terroist. This is very upsetting that they would suspend me for no reason then go on to steal my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit score is outdated by at least 3 months. I need Equifax to update my credit score and send me a free copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX I paid off this account past the initial amounts to find that I occurred interest due to department changes within the company to make further company demands of interest charges. I paid on time to find that this account kept getting late fees when payment were made.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion received certified letter dated XX/XX/2022 and I have not heard from them to this day. They were asked to correct my credit report. The only thing I get from all 3 credit bureaus is {$19.00} monthly credit repair to fix my credit report. My score keep dropping.

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 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: MA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX U.S Bank N.A DBA Elan  Acount # XXXX, has Violated my rights. 

15 USC 1681 Section 602 States 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.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Under 809 of FDCPA, U.S Bank N.A DBA Elan had sold my information to debt collector without my written consent, therefore I demand for validate for my original contract with my wet signature on it. The reported I've pulled are not reporting correctly, and still continue to report negative to the 3 credit bureaus therefore I request any incorrect report shall remove/delete from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I involved in a traffic accident on XX/XX/XXXX XXXX. While I was continue to pay the installments of the car, lender suspended my account and started to add amount to my loan every month. I tried to reach and learn about my account status many times but it is impossible to take a response about my loan. They dont provide interpreter and dont ssnd the information written. They hang up the phone while waiting for the rsponse. I sent them message via app, they never give a respond. The insurance company will pay the car and they give an incredible pay off amount to the insurance company which left me with a huge debt. My debt on XX/XX/XXXX was {$16000.00} My debt on the app now XX/XX/XXXX. {$19000.00} They give pay off amount 45 days ago {$35000.00}

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
My card was hacked and someone made a XXXX XXXX account in my name and attached to he card to the fake XXXX XXXX  account and withdrew {$2500.00}. Because of this situation I can not afford to pay my rent last month and have been issued an eviction notice I believe my right a for my money to be protected by insurance up the amount of {$250000.00}. I was told that because I had other XXXX XXXX transactions I had to dispute the transaction with XXXX XXXX But this was not a transaction I made. Someone used my name to create a different account and attached my card to that account and took {$2500.00}. My bank hasnt investigated this thoroughly and has not given me a provisional credit within 10 business days.

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 2023-03-17 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:
They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.

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 2023-03-17 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: NY

Complaint narrative:
They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
Attached is a copy of my explanation of benefits which shows that this has been paid.

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 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to refinance my mortgage due to a hardship with a divorce and a custody battle. Wells Fargo asked me to go in forbearance ( not explaining ). Now I'm trying to assume payments and refinance my mortgage but they want the total balance due which is XXXX. I have tons of equity built up and a balance of XXXXowed. All i ask is for the help to refinance my existing loan. I go to court XX/XX/XXXX for the final custody issues and hopefully with me having custody of my son i will not have to pay child support any longer.

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 2023-03-17 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was XXXX XXXX XXXX XXXX in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to XXXX XXXX XXXX XXXX I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was Capital One that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get XXXX XXXX XXXX XXXX and eventually a XXXX XXXX XXXX. I had to reinvent myself. Thank you for your time in reading this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: TX

Complaint narrative:
Please update this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I reviewed my credit reports and noticed an account from this company that I do not recognize. I believe this account is an error and they are mistaking me for someone else. In fact, I have never done business with this company or the company they claim to represent. I would like to ask for proper validation on this account as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } they need to provide with all the following ; What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Documentation that shows I agreed to pay this debt with my signature. And documentation showing I gave you permission to have my information : Provide me with paperwork showing I gave YOU AUTHORIZATION to report this to my credit report. NO CONSENT to you having my information and unauthorized use of my social security number is IDENTITY THEFT AND YOU WILL BE REPORTED FOR SUCH!

By reporting this erroneous account this company is violating the following FCRA laws ; 15 U.S. Code 1692d - Harassment or abuse, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability, and Defamation of character. This inaccurate and fake account has been very detrimental to my credit health and my life. It is causing great stress to me and my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
XXXX Bank account XXXX XXXX XXXX account XXXX I am disputing these fraudulent bank accounts that was open in my name for the third time with Early Warning services upon the investigation these accounts was blocked because of fraud But the the month of XXXX they have been rescinded back into my early warning services report. Early warning need to realize these companies did not do a fully investigation and so did early warning services. Early warning services clearly violated the fair credit laws that retaining about fraudulent accounts. I have submitted more evidence which I'm mailing off on XX/XX/2023 to block these fraudulent accounts again. Please pay attention to the signatures of mine to these companies which does not add up to mine during this fraudentlent incidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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