vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo Bank, N.A., and all of its subsidiaries. 
The purpose I am writing this letter to you today respectfully is in regards to inaccurate information being reported to my credit report. On varies occasions Ive disputed these claims to both the credit bureaus and to Wells Fargo Bank, N.A at XXXX XXXX XXXX XXXX XXXX, IA XXXX. 
The credit bureaus response to me is always verified by creditor ( W.F ) and Wells Fargo Bank never response with a letter back. I have personally gone into local Wells Fargos branches who have assisted me in calling Wells Fargo customer service line on two separate occasions. Moreover no credit card account has ever existed or has been verified. 
It is very unclear to me as to why Wells Fargo Bank, N.A of XXXX XXXX XXXX XXXX XXXX, IA XXXX. Is reporting a debt owned of {$1100.00} to my credit report when I have never had a Credit Card or Credit Card at a Retail store associated with Wells Fargo Bank. 

For the record I am aware under the ( FDCPA ) the original creditor ( W.F ) does not have to provide a Debt Validation request. If the original creditor chooses not to. But under the Fair Reporting Act ( FCRA ) I have the legal right to dispute and receive evidence on what being reported against my credit report from the original creditor. So please mail me any evidence as to why this is being reported to my credit report if any 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 2022-11-28 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:
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 LETTERS FOR REFERENCE

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 2022-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
The XXXX XXXX hospital shared my personal information with Penn credit corp.which violates the XXXX laws and I plan to have this case further investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a complaint under the number XXXX previously before. The company did respond by XX/XX/22, but said it needed further processing which could take up to 90 days. I had to reach out to them XX/XX/22 about how they still haven't responded back even past their 90 day window. They replied back XX/XX/22 only reply they are unable to assist me and I have to again resolve it with the seller which was a scam and never got any item now refund for my transaction.

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 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is about the transaction i made on XXXX XX/XX/2022 for an amount of XXXX $ using my Capital one Debit card, the merchant is XXXX ( at XXXX XXXX in XXXX ). The process at the casino was that, using a advance cashing machine.. i should do the transaction and the machine will give me the receipt. I will get the money only when i provide the receipt to the cashier, but i never provided the receipt to the cashier and didn't took the money. 

When contact, the merchant confirmed that they have reversed the transaction and sent the money back to the capital one on that itself, they have shared the proof to me. 

I have shared the proof with Capital one, during the second investigation, which started on XXXX XXXX.. but they were not resolving this issue at all. 

Its been over 1.5 month since the issue started and i was not getting any sort of help from the bank. Their customer service is pathetic and wont give any status update, will ask to wait to hear from their investigations team ( who will never provide any update ). 

This is going nowhere and customer like me are impacted. Below are the XXXX contact details. 

XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XX/XX/2020 you reported that my transaction was 30 days late. 
XX/XX/2020 you reported that my transaction was 60 days late. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: DISCOVER BANK
State: NC

Complaint narrative:
DiscoverCard is breaking the law again! DiscoverCard is reporting for the past three months that I have made a successful payments!.. its a charged off account! 

DiscoverCard is maliciously coding my account! Delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I reached out to GM Financial on or around XXXX XXXX XXXX regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that GM Financial could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Please see the attached files where you will find all underlined or highlighted discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I used my WellsFargo bank app to send XXXX US dollars from my checking account to my second cousin in XXXX, to his checking account. 
I was told that the money will arrive on XXXX of XXXX. On XXXX of XXXX money was still not received and I felt so embarrassed and told my cousin who is in his XXXX, that he will get the money soon. I called my bank and was given a case number XXXX, and with information that they will get back to me soon. I kept calling them, called on XXXX, talked with XXXX, she will send a note again. Called XXXX talked with XXXX ... No update. Called on XXXX and talked with XXXX. No update but after I asked to speak with some supervisor, I was connected with XXXX who told me that a new case number is assigned XXXX, and someone will call me by Friday, XX/XX/XXXX XXXX No one called and no one explained this far why it was taking so long or what was the issue. I sent the money to my cousin via XXXX XXXX on XXXX as he needed the money and I had promised him to send the money. 
On XXXX XXXX I called again and talked with XXXX, who gave me another case number XXXX. She told me she will get back to me in XXXX hours. She also informed me that there was some compliance hold. This was the first time someone told the such thing. This is just not right. I understand compliance hold for security but I should have been informed by XXXX so I could inform my cousin who may be thinking that I was not sending the money. Very embarrassing.

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 monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, WF CRD SVC ( Bank ) made a fraudulent Hard Inquiry as the same was not initiated by me.

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 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: MI

Complaint narrative:
I need to dispute the account. This is not a bill that I owe. This bill is not accurate. It was reported inaccurately. This has been previously confirmed with the original creditor that it is not accurate. You have reported it inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NY

Complaint narrative:
I submitted some inaccuracies to all 3 bureau 's and XXXX and XXXX deleted the item but not TransUnion because they said the account was able to be verified. However I see that there is an inaccuracies with the account by calling XXXX XXXX XXXX they won't give me any information regarding this account because they say the names does match. Please help Original creditor:XXXX XXXXXXXX Amount owed {$160.00} Account # XXXX Creditor : XXXX XXXX XXXX I have attached some screenshots of credit report from XXXX and from TransUnion In accordance with the Fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 U. S. C 1681 Section 602 A. States that 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

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 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: MD

Complaint narrative:
An agreement was signed with XXXX security to provide equipment and service. This was a cross-sale from setting up XXXX XXXX XXXX when moving to a new location. Due to XXXX not sending the equipment to the correct address, not providing follow up about the equipment or service until after their XXXX money back guarantee expired, and proceeding to bill for a service that was never activated is deceptive and unacceptable. After the lapse of XXXX plus days, I initiated the communication to Alder to determine why I was being billed for equipment and service that I never received nor activated. At that time, I explained that I no longer needed the service because I had to acquire a different provider since Alder failed to provide agreed equipment and services in a timely manner. How can XXXX generate a bill for a service that was not provided? I have reached out to Alder directly, I have reached out to the XXXX XXXX XXXX collector XXXX XXXX XXXX XXXX directly, and they state that I owe {$2100.00}. I attempted to dispute this debt with XXXX as well as filed a complain with the Better Business Bureau. I request to ensure that this contract is terminated, and that I not be held liable for this amount of {$2100.00}. I have attempted to terminate this contract on several occasions due to non performance on XXXX end and the only remedy that they provide is to send me new equipment at no cost to me. I do not want this service, I have never used this service, and I want this debt removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: NM

Complaint narrative:
On XX/XX/2022 I submitted a brief CFPB complaint, complaint # XXXX, detailing the fraudulent practices employed by Carvana in their business with me. I also reported XXXX, Carvana 's overly close pet financier. I reported XXXX because they continue to act as some sort of weird henchman covering up Carvana 's fraud. Carvana issued a response to my initial complaint that was the mere distillation of backdoor negotiations held between me and XXXX on Carvana 's behalf. I am pretty sure that XXXX attempting to sweep Carvana 's fraud under the carpet, is the furtherance of fraud. But anyway, this complaint is because Carvana refuses to even follow through on the recent promises they made the CFPB and myself in their response. Carvana has possession of the vehicle and has had possession of the vehicle since it was impounded by law enforcement following its recovery from a theft. I originally attempted to collect the vehicle, but have been unable to because, well I don't own the car, and never have. Carvana sold me a car they didn't own. I am fairly certain Carvana has never owned the car. If they have, they have refused to provide evidence of title once to many requests. So, Carvana is the only organization or person who can possess the car. To be clear, if Carvana claims they don't possess the car. They are lying. They are playing legal semantics and it is more evidence of theiXXXX XXXX tactics. Continuing on, Carvana is attempting to coerce me to process this loan cancellation through their internal customer satisfaction process. I find this disingenuous, and the process is likely being used to cover internal evidence of fraudulent practices. Carvana demanded I submit payment to bring the loan current before they would rescind the loan. They also promised to send me all previous and these additional funds as soon as they cancel the loan. I want to be very clear. I am not a mere disgruntled customer. I am a victim of real fraud perpetrated by Carvana with real damages. I am almost certain that this " loan back out '' that Carvana was attempting to process is not an above-the-board way of Carvana fixing the fraud they conducted during our business. I choose to not participate in any more of Carvana 's fraud. Much as I refused to participate in Carvana 's requests to doctor and forge registration documentation so that I " could make an insurance claim '' on their stolen vehicle. Seriously Carvana, read this, process it, and do the right thing and cease this fraud. Honor the agreement you told the CFPB you were going to do. This complaint wouldn't exist if you had done what you said you would. So, keep that in mind the next time we talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CA

Complaint narrative:
I am a natural person, I am living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times, I demand the account below to get remove because According to 15 USC 1681, I have the rights to privacy and I did not give equifax permission to furnish these accounts below XXXX XXXX XXXX  open balance {$700.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}

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 non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}

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 non-monetary relief
Consumer complaint received 2022-11-28 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: LoanCare, LLC
State: CA

Complaint narrative:
Let this complaint be the proof that I need the CFPB to investigate XXXX  and how they are not honoring their legal settlements between them and their clients. 

XXXX and I signed a legal settlement on XX/XX/XXXX. XXXX was to send a deletion notice for the months of XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus within 10 days of full execution of the agreement ( once both parties sign ). Per the legal agreement, XXXX was to send an update no later than XXXX. 

Its been almost three months and they havent sent the update to the credit reporting agencies. The credit bureaus are saying no update was sent to them for the late removal. 

We just got turned down for a mortgage, since this late is still on there, and will hold XXXX responsible for damages. I lost the opportunity for a loan due to XXXX ' breach of contract. 

I am afraid that XXXX is committing breach of contract not only in my case but also with other customers. 

See attached proof of agreement and credit report that shows the late payments are still being reported.

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 2022-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHSTATE BANK CORPORATION
State: AL

Complaint narrative:
This is in response to the company 's response. 


An appraisal was performed by another company and the appraisal was returned to be {$500000.00}. How can an appraisal be so different from your bank and from a new loan company? This is why discrimination is being asserted, because no additional work had been performed on the property. And, XXXX XXXX came to the property and spoke with me. He asked questions of me that I did not feel appropriate to ask in regards to, " why am I building a house this size? '' What does that have to do with my loan and who I am? The appraisal is included. I would like to have a review of my loan performed by an outside company, a mediator to resolve this issue. Yes, I admitted to wrongdoing, but that house was worth much more than your first or second appraisal received. I have a copy of the appraisal stating the {$500000.00} I would be more than happy to share. XXXX XXXX

Company response to consumer: Closed with explanation