vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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:
In XXXX I purchased a XXXX wheeler from that was financed with XXXX XXXX. In XXXX we were told of an extra charge on the account ( balloon payment ) which was not reflected on the contract I signed. Verbally with XXXX finance, I challenged this, sent them a copy of my contract and disputed the additional fee. I was directed not to make a payment until this was settled. After arguing this with XXXX XXXX, I was essentially told that I would be held to the balloon payment and I needed to pay the account in full. on XX/XX/XXXX I made the final payment, against my belief that it was a fraudulent charge of {$2200.00}. In XXXX I went to apply for a mortgage and noticed that XXXX XXXX had " charged off '' this account. I disputed it and they changed it to " paid in settlement {$2200.00} written off ''. I disputed this again as it is incorrect. They changed the status to " legally paid in full for less than the full balance ''. I disputed this again because Not only does this balance not reflect in my signed contract, but I actually went ahead and PAID it. I disputed this again and they changed it once again to " paid in settlement {$2200.00} written off ''. This is incorrect so I disputed it XXXX more time by calling experian directly and having a phone conversation. I just received the dispute results and it was not changed. It still reads " paid in settlement {$2200.00} written off ''. 
I was not contracted to pay a balloon payment and after battling a company to prove myself, they went silent and said I owe the balance of {$2200.00} in full. I paid them in full and it still reflects that I did not and has a negative impact on my XXXX XXXX and life.

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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I inherited 25 % of this home from my uncle and own it with my XXXX XXXX XXXX mom and sister. Apparently my uncle and his significant other put a mortgage on the property in XXXX and stopped making payments when he died in XXXX. My mom nor my sister or me signed a note so we do not owe the bank anything. Wells Fargo never contacted my mom or us about the mortgage or the default and started foreclosure. We paid my uncles share of the mortgage in full and paid an attorney to work with the bank and they delayed the foreclosure but did not release the lien. The bank refused to work with me and my sister or the attorney we hired and will not send us information on the mortgage or what is owed. We want to get this lien removed but the bank will not talk to us.

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 2023-01-27 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MI

Complaint narrative:
In XX/XX/2022 I received a Late payment Flag on my Credit Report from Discover Bank According to the fair credit reporting act this creditor has violated my rights. On their 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. On their 15USC 1666B a creditor may not treat a payment on a credit card account under and open an consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I have filed complaints through XXXX. And I was told I couldnt file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Debt was placed on my credit report for rent that I do not owe. I moved out with rent paid in full for the last month at the address. I never received a notice for an outstanding balance before seeing it on my credit. Contacted the company who stated they would resolve the issue and still nothing has been done. There was no updated lease as my lease had expired months before ( XX/XX/XXXX ) and they never renewed so I moved out ( XX/XX/XXXX ) with my balance paid for XXXX My rent was never late and there was no balance when I turned in my key. I have contacted this company on multiple occasions they do not return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Premium Credit Bureau
State: FL

Complaint narrative:
Dear Credit Reporting Agency : Im not responsible for those inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NY

Complaint narrative:
I the consumer sent a letter to the consumer reporting agency Experian on XX/XX/, 2022, pertaining to the reinvestigation of an inaccurate account furnished on my account without any validation from me the consumer regarding the information the creditor gave Experian without my consent, which is a violation of my rights. Experian stated that they sent a reinvestigation letter and notified the creditors. Creditors responded by just saying that they rejected my request for account deletion, without informing me the consumer of the process of their reinvestigation by following what the states the process should be. Experian failed to inform the consumer of their reinvestigation process and how an account and information on an account were reinvestigated, not asking for the validation of the consumer under 15 USC 1692g. The law states that only a consumer can validate a debt that I did not validate. This wrongdoing towards me, the consumer, has caused me to be mentally and physically injured, be denied credit, and affected my family and character. Experian stated that they mailed me the result summary on XX/XX/, 2022, which I didn't receive. Congress states that there isn't any evidence without testimonials, so I would like to know how a decision can be made without witnesses or testimonials or determine the accuracy of the information the creditors and the consumer reporting agency formulate a response. Down below will be a document and another reinvestigation letter I sent out to Experian. I asked what is the method of your verification as I stated above asking how this reinvestigation was conducted. Pursuant to 15 U.S. code 1681 ( i ) talks about the procedures in case of disputed accuracy

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 2023-01-27 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: MA

Complaint narrative:
My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-27 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: TX

Complaint narrative:
n accordance with the fair credit reporting act 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 an account without my written instruction.

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has charged me overdraft fees when money was in my account or pending to be in my account. I was denied some my checks being cash or been giving a wait time on the disbursement of fund that were in my account without a sensible reason or explanation.

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 2023-01-27 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CITIBANK, N.A.
State: RI

Complaint narrative:
In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX  that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from Citi bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by Citi bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the XXXX XXXX account and the Citi Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with XXXX XXXX and Citi bank.

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 2023-01-27 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: RI

Complaint narrative:
In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from XXXX XXXX  that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX XXXX. 
As a result of these fraudulent activities I opened an account with Experian to check my credit history and current status and found that both the XXXX XXXX account and the XXXX XXXX  were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. Experian is currently investigating the fraud claims with XXXX XXXX and 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 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: GA

Complaint narrative:
To whom this may concern, This is an inquiry of concern related to XXXX car rental company and Viking client services LLC. 

On or about XX/XX/XXXX I received a letter from Viking client services stating that I owe a balance just electric debt is related to a car rental that took place in or at about XX/XX/2022. 

The car that was rented from XXXX rental company was recommended by my insurance company XXXX XXXX. Below are the documents related to XXXX XXXX XXXX XXXX and its payment towards the rental car according to my insurance agreement. According to the rental term agreements I am obligated to have my card on file while the car is in my possession. 

Highlighting that there were some issues with the amount of time that was allocated to me from my insurance company. XXXX rental had to adjust the term of my rental timeline related to the portion that XXXX XXXX  will pay. 

Please highlight that I did not exceed my rental agreement Max requirements for coverage. At the time when I returned the vehicle I paid my portion of the vehicle rental in full off of my credit card. Below you will see a document highlighting how much I paid related to my portion of the agreement. This payment was made the day that I dropped the car off in person. As you read the XXXX part bill it stated that this bill is related to a accident with the car. With is indicating to that I had a XXXX XXXX XXXXXXXX in the car and this is not the truth. I never heard of an unreported car accident costing XXXX. 

As a consumer I am under the assumption when I total out a bill at a location that I will not receive a collection notice later on saying that I owe them more money. So, I would like you to look into this issue as well as highlight that there is a possibility that hurts car rental companies are selling debts to third parties company. Such as Viking client services of debts that are already satisfied. Just highlighted in this example I am giving you. 

Would like to thank you in advance for reviewing all said documents as well as my concern as a consumer doing business with the entity known as XXXX car rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TX

Complaint narrative:
n accordance with the fair credit reporting act 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TX

Complaint narrative:
n accordance with the fair credit reporting act XX/XX/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 instruction.

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and reached out to them to get validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. This account should be deleted from my account now!

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked at my credit report on XX/XX/2022 and uncovered an inquiry on my credit report that I did not authorize done on XX/XX/2022. I called Transunion and disputed inquiry with them. I advised them that I was not able to get a hold of anyone at the company. The rep I spoke with at Transunion name was XXXX and he advised me that I needed to send a dispute letter to them stating that I did not authorize the inquiry and once they receive it then they would delete inquiry. I certified mail the letter to Transunion on XX/XX/2022 based on instructions given to me by Transunion. The company that did the inquiry XXXX XXXX XXXX XXXX and I have never applied for any credit with them nor have vehicle with them. I called them back on XX/XX/2022 and was able to speak to XXXX who looked up my information and stated show could not find my information in their system and that they are unable to send anything to Transunion to remove inquiry since they are not able to locate my information in their system. I called Transunion back on XX/XX/2022 and spoke to XXXX and he advised me that they did receive my dispute letter and that they needed to transfer me to a manager. I was transferred and spoke to XXXX and was advised that they could not remove inquiry off credit report without a letter from creditor who ran the inquiry. I advised XXXX that I spoke to the company that ran my credit report does not have me in the system and they are unable to write a letter to have inquiry removed. This has been very frustrating and Transunion continues to lie and change information on what they provide consumers. While I was also on the phone with XXXX I went over with about another inquiry that was done on XX/XX/2022 from XXXX XXXX XXXX XXXX that I also sent a letter about the same day I sent regarding XXXX XXXX XXXX XXXX and he gave me the same information. They continue to give me the run around.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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