vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Well having to pay a fee for every savings account we open. Why pay the extra money for a savings account. Allowing companies to charge ur card even tho you dont have enough funds to cover it! Charged late fees for overdrawn accounts when you shouldnt charge a count that doesnt have the enough funds to cover it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my Trans Union credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-06-08 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-08 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:
Hello, I am trying to dispute these inquiries on my report for a while now and I haven't been able to get them removed. It also shows I have a bankruptcy dismissed and that is not correct. It has been discharged about 2 years ago. I need to have these removed according to the Fair Credit Reporting Act, which is unverified and unauthorized. 

The following companies are the ones that I would like removed : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute above is for the inquiries and the one below is for the bankruptcy. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
I rented a rental from XXXX and I was sideswiped by another person and they have this debt in my name and is not pursuing the actual person they should be pursuing which is all state the other parties insurance who hit me. State farm my insurance and myself have reached out numerous of times to get this situation eradicated and yet to no aval has the issue been handled the pictures from the accident state clear as day I was side swiped not I hit anyone so therefore they need to go after the person who damaged their vehicle not me. I had insurance and should not be liable for a accident I was the victim in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Account opened without my consent. Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LA

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Bait and switch. This is a 3rd party loan to pay for a service. The dealer was told Service Finance offers 18 month interest free loan with a mimimum monthly payment. They approved 14 months but will not tell me why I did not qualify for the 18 month term as advertised. My XXXX  score as of XXXX is XXXX " Nearly perfect '' and my debt to income ratio is approximately 2 %. They refuse to explain to me their decision and placed blame on the dealer who simply helped me fill out the loan application so they can be paid in full while I pay Service Finance as a 3rd party.

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
My husband suffered catastrophic injuries in Fall of XXXX and his former Sunday XXXX class, mostly comprised of elderly and retirees, scraped together and sent us a XXXX XXXX card with a {$300.00} balance. We never used or opened the card all of these months. In XX/XX/XXXX, I opened the card to use at XXXX. The card was declined repeatedly. The XXXX employee told me to call the number on the back. I did and I could not speak to anyone but the call indicated that the card had a {$0.00} balance. I then opted to receive a list of transactions and all I heard were repetitive dates with {$5.00} transactions. Its impossible for anyone to have used the card or access the account because it remained sealed and in our physical possession the entire time. I have no idea and received no indication that XXXX XXXX would drain this account in {$5.00} increments. In fact, the opposite is factual : the outside printing indicated the card would expire in XX/XX/XXXX and there was a {$4.00} fee that our Sunday XXXX members paid in addition to the {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
My debit card was stolen and used by someone, I called the card issuer to file a report. After waiting several days I was informed that the claim was denied. I called to find out why, I was told that because I had made online purchases during the time frame that I MUST have had the card in my possession. Like most people who shop online the card information was saved with each merchant I shop with. 
The card issuer was very rude about the situation and said that their decision was final and I could write to the company president about the situation. 
All of the charges are as followed : XX/XX/2023 XXXX {$130.00} XXXX XXXX- {$11.00XXXX XXXX XXXX  {$3.00} XX/XX/2023 XXXX XXXX- {$9.00} XXXX XXXX {$33.00} XXXX {$74.00} XXXX- {$39.00} XX/XX/2023 XXXX {$13.00} XXXX {$31.00} XXXX  {$62.00} XXXX {$34.00} XXXX {$38.00} XX/XX/2023 XXXX {$20.00} XXXX {$32.00} XXXX {$34.00} XXXX {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
UPON LOOKING AT MY EQUIFAX CREDIT REPORT, IT SHOWS SOME INACCURACIES. IT REPORTS A COLLECTION ACCOUNT FROM PORTFOLIO RECOVERY. THE ACCOUNT HAS A COLLECTION CODE YET IT STILL REPORTS AS AN OPEN ACCOUNT. AND ALSO, IT HAS A PAST DUE AMOUNT OF WHICH A COLLECTION IS NOT SUPPOSED TO HAVE A PAST DUE AMOUNT. ALSO, THE DATE THE ACCOUNT REPORTS OPEN ON EQUIFAX XXXX XX/XX/XXXX IT CONTRADICTS WITH THE DATE OF DELIQUENCY WHICH REPORTS AS XX/XX/XXXX. 
THIS IS NOT UNDER FCRA XXXX. 
THESE ARE INACCURACIES REPORTINGS AND NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: OLD NATIONAL BANCORP
State: NC

Complaint narrative:
I purchased my home for cash in XXXX After the sale of my Home- at the divorc settlement- a XXXX mortgage for an XXXX and XXXX XXXX XXXX old national bank. For a foreclosure in XXXX. Both legal councils, the title company- and the bank refused to help us. XXXX XXXX and XXXX XXXX. XXXX title ( XXXX, XXXX ) It took me 9 months to get the money found and returned to the title company. Now they all want more from it- and refuse to send me the rest of my divorce settlement. 
I have multiple emails. My complaint is with every company involved and an status update on follow up here would be appreciated

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 2023-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
When I received my Annual Escrow Account Disclosure Statement, I discovered that my Hazard Insurance and my City Taxes had increase, which totaled approximately {$900.00}. This obviously meant that my monthly escrow payment would increase. In reviewing the statement closer, I also discovered that my hazard insurance had been paid twice during XXXX fiscal year, essentially eating up my entire escrow and taking me into the red. 

Further, I have been told by several representatives that my hazard insurance was {$800.00} last year and essentially that amount was what was slated to paid. My hazard insurance payment has never been less than {$1000.00} since XX/XX/XXXX. In XX/XX/XXXX, prior to the last years yearly analysis, the amount of the insurance increased to {$1700.00}. When I asked why there was only {$800.00} slated for my insurance, I was told because that was how much the bill was last year. Clearly, it was not ( please see attached ). These errors have cause a {$400.00} mortgage increase, as I have arrearages, as well as an additional cost to cover the increase in my taxes and insurance. 

After attempting to get to the bottom of this issue and come up with a resolution ( as I can not afford a {$400.00} mortgage increase ). I reached to Huntington Bank on XXXX occasions between XX/XX/XXXX and XX/XX/XXXX : XX/XX/XXXX ( this date is approximate ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Eventually, I was told I needed to speak to the Escrow Escalation department and was transferred. I left a messages on XX/XX/XXXX and XX/XX/XXXX because when I was transferred the call went straight to voicemail on both occasions. I left my name, contact information, and loan number the first time and then added the property address the second time. I have yet to receive a return call. Clearly, the individuals handing my escrow account fail to pay attention to basic billing and I should not have to pay the consequences of someone elses foul up. My payment was due on the XX/XX/XXXX and the longer this issue lingers on, the more likely I am to be late on my mortgage payment, which I never have. I also think its unfair that my credit has been affected as the arrearage was added to my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: PA

Complaint narrative:
I have fraudulent accounts and inquiries appearing on my credit report. 
XXXX. XXXX XXXX XXXX {$3500.00} XXXX. XXXX XXXX {$1300.00} Inquiries XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX For XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX Fed XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: PA

Complaint narrative:
I have fraudulent accounts and inquiries appearing on my credit report. 
1. XXXX XXXX XXXX {$3500.00} 2. XXXX XXXX {$1300.00} Inquiries 1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXXr XX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XX/XX/2022 6. XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022

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 2023-06-08 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: MD

Complaint narrative:
On XXXX XXXX, XXXX my handbag and weekender were stolen containing my birth certificate, passport, driver 's license, debit card, credit cards, employment ID, social security card and checkbook. On XX/XX/XXXX, I began receiving collection calls for several accounts that I did not open. I contacted the police in order to file a report. The authorities advised that they do not investigate identity fraud and that I should file a report after the perpetrator was identified. I contacted an attorney who referred me to her investigator. They filed all the necessary legal paperwork to close/remove the fraudulent accounts from my credit report from XXXX - XXXX ; however, I was caught in a vicious cycle since new accounts were constantly being opened. I have sent countless notarized and certified notices to Equifax requesting removal of all fraudulent accounts-they simply reply with a blanket " account verified ''. Equifax has failed to protect me and my credit rating from IDENTITY THEFT predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to express my dissatisfaction and concern over a serious error in the reporting of my account status by Wells Fargo to one of the credit bureaus, XXXX. I have recently settled a collection account with Wells Fargo, and while this has been accurately reported as " paid '' to XXXX and XXXX, XXXX 's record continues to show the account as " derogatory '' and " unpaid. '' This inconsistency is negatively impacting my credit rating with XXXX and XXXX potentially cause undue financial difficulties for me. 

I would like to stress that I have fulfilled my financial obligations regarding this debt, and the incorrect information reported to XXXX is both inaccurate and misleading. The failure to report the correct status of the account is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate information reporting by the financial institutions. 

I kindly request that Wells Fargo takes immediate action to rectify this error. Please update the status of my account with XXXX to reflect that the debt has been paid, thereby ensuring that all three credit bureaus have accurate and consistent information. 

I would appreciate it if Wells Fargo could also provide me with written confirmation that these corrections have been made and that the accurate account status has been reported to all three credit bureaus. I believe this is an important step to protect my rights as a consumer and to prevent any potential future inconsistencies in my credit reporting. 

In light of the above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) assist me in this matter and ensure that Wells Fargo adheres to their obligation to provide accurate information to all credit reporting agencies. I understand that the CFPB has the ability to investigate these types of issues and I trust that you will be able to help me ensure that my credit report is accurate and fair. 

Thank you for your prompt attention to this matter.

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 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
It's about the One main financial loan longgroup alone put on a couple times. Understand the whole talk about my problem but there wasn't thing I could do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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