vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The bank keeps using incorrect account information in regard to given name and charging, I, as XXXX XXXX XXXX XXXX XXXX XXXX or XXXX when I was given an indivisible name XXXX XXXX XXXX XXXX XXXX ) from XXXX with a perfect credit score ( tax classification ) that is indivisible as well and the account doesn't reflect tax classification, I, being given a perfect indivisible credit score. Than from application an error to include a middle name which isn't apart of my identification card used to aquire account I believe is blocking services promised to I by US Federal reserve banking institution in a perfect and indivisible credit score for bank to write off stuff as tax write offs.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XXXX XXXX Consumer ID # XXXX I am writing to dispute the following information By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. 
Name : XXXX XXXX XXXX XXXX ID # : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ID # : XXXX XXXX XXXX ID Type : Driver 's License/USA ID State : PA ID Exp . Date : XX/XX/XXXX Alt ID # : XXXX XXXX Alt ID Type : Other Alt ID XXXX : PA Alt ID Exp. Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$7100.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse This is inaccurate information reported, I filed two complaints with Cfbp, and XXXX XXXX has admitted their fault and reimbursed me a {$35.00} overdraft, and regarding the amount of {$7100.00} has been posted on my credit card account attached copy of all statements and copies of complaint has filled and response from XXXX XXXX My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 

The report shows I owed money to the company that I have already repaid. 

The current status of my account is not correct. The report shows that I am account abused but I have made all of my payments on time copy attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal account6 from my credit report. 



Account need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
VA loan assumption. The company 's website video states the loan assumption does not have many of the fees that are charged in a purchase or refinance. But my loan assumption is identified on the Residential loan application as a purchase and being processed with all the fees in a purchase. The fees have pushed the cost substantially above the market value of the property. The lender has inserted {$450000.00} on the loan application as the market value of the property without an appraisal, when the actual market value is about {$370000.00} and ignored my request to explain the basis of the higher value. The equity ( about {$88000.00} ) that I am purchasing is shown as the down payment on the application, but the loan officer states that I am not putting anything as a down payment. The purchase contract states the seller pays the assessments which includes a transfer tax of {$6000.00}. The lender included {$900.00} for home owners insurance through their company although I have obtained the insurance from XXXX for {$380.00}. 

This company isn't right claiming to help veterans, but doing the opposite.

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 2023-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a senior with a Wells Fargo checking account known as XXXX XXXX. It is no longer offered to new customers but for older customers it offers lifetime free ( no fee ) interest-bearing checking, a free safe deposit box, free money orders, cashier 's checks, and travelers checks. The only condition for maintaining the account is to keep at least {$10000.00} in a Wells Fargo CD. Today I was pitched by a Wells Fargo agent named XXXX ( no last name given ) to change to a different type of CD account with a higher interest rate. I pressed him to explain why I wasn't getting that rate on my existing CD and didn't get a satisfactory answer. Upon further research I discovered that XXXX did not disclose that switching to the higher rate CD account would result in me losing many of the free benefits of my XXXX XXXX account unless I maintained a minimum monthly balance of {$20000.00}. In short, Wells Fargo continues to engage in deceptive banking practices.

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 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Last week I am not sure the date I made a double payment to Mohela which was taken out of my municipal credit union account XXXX days ago I received a reminder I did not make a payment when I did. I also sent MOHELA my original Employment certification form they told me they have not received it either. Mohela customer service is horrible they make you wait for over XXXX minutes on the phone I want proof and confirmation that my account is up to date and do not want to be charged late fees on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Two hard inquires were reported by Navy Federal to all 3 of the credit bureaus XXXX, XXXX and XXXX, I would like for this to be removed it was not me. It will hurt my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/23 a letter of dispute was sent to equifax because there are some items on my consumer report that i have no idea where they are reporting from. I waited 30 days and have yet to get anything from the company going over my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Service of Nevada
State: NV

Complaint narrative:
Yes this company could not provide verification of debt. They have me pay more than the owed amount and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 
Here is a list of inaccuracies that were claimed verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness.

I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

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 2023-12-07 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: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal account6 from my credit report. 



Account need to be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
This debt is fraudulent and this account is over XXXX XXXX XXXX, and had been removed from my credit report. Now it magically reappeared. I disputed it with creditor, XXXX online and a dispute letter. They claim it's mine, but no proof has been sent to me to the fact. I want to mention that XXXX XXXX  XXXX is facing a lawsuit due to incorrect billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ).

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Name of Account : XXXX  XXXX Rewards Credit Card Account Number : XXXX Name of Account : XXXX  XXXX Platinum Credit Card Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ).

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We have received multiple calls to voicemail ( about seven so far in a span of about three minutes ) from Synchrony Bank regarding a debt collection. We do not now, nor have we ever, done any business with Synchrony Bank. I've blocked their number ( XXXX ) XXXX using my phone service but am concerned that they will harass others using similar tactics.

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 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 
Account Information : XXXXXXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2023-12-08 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: AR

Complaint narrative:
I attempted to make a purchase for a vehicle. To my surprise, the dealer explained that I had an identity theft fraud status. He stated I would need to get rid of some things on my report. I purchased my consumer report and saw so many inaccuracies and damages on my report according to 15 USC 1681, which is a defamation of character & causing personal injury to my me and my family. I also was affected in the XXXX Data Breach. I have then applied for an identity theft PIN code, locked my SSN, sent letters multiple times, received no response within a 30 day time frame. I also filed a complaint with FTC.

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 2023-12-08 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: AR

Complaint narrative:
I attempted to make a purchase for a vehicle. To my surprise, the dealer explained that I had an identity theft fraud status. He stated I would need to get rid of some things on my report. I purchased my consumer report and saw so many inaccuracies and damages on my report according to 15 USC 1681, which is a defamation of character & causing personal injury to my me and my family. I also was affected in the XXXX Data Breach. I have then applied for an identity theft PIN code, locked my SSN, sent letters multiple times, received no response within a 30 day time frame. I also filed a complaint with FTC.

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 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-12-08 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:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
Hello I opened my wise online back account and have been using it since a year, i am a freelancer and i am receiving money on that account number XXXX. 
and its a checking account. 

on the XXXX of XX/XX/2023 i tried to log in to my Wise XXXX bank and they showed a message that we closed your account with out any explanation. 

I don't mind if they close the account if they wish but I need my funds as soon as possible to be transferred to the bank account that I gave them its info. 

please help to solve this issue ASAP. 

Account holder : XXXX XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Wise 's address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX United States Thanks

Company response to consumer: Closed with explanation