vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Thank your for taking the time to read this letter. I am writing this letter because I noticed that my most recent credit report contains a late payment reported for XX/XX/XXXX for my Wells Fargo account. 

Wells Fargo has not been helpful in processing my request. I have not received any information or even confirmation of whether or not they have even received my inquiry. I faxed the required documentation as agreed to the Wells Fargo institution on XX/XX/XXXX and they have yet to give me the necessary answers regarding my request. Ive been a diligent customer with the institution since XXXX and the lack of service I have been subjected to has been a terrible experience for my family and I. 

I want the record to show that I am fully aware and understand my financial obligations, and if it werent for a slight oversight then I would still continue to have an excellent payment record. It was brought to my attention by Wells Fargo that the bill wasnt paid in full for the month of XXXX and as soon as I was made aware of it, I made sure to make the payment immediately in that moment when it was brought to my attention. But it seems that Wells Fargo still took it upon themselves to have still submitted this to the credit bureau anyway despite my immediate payment after being informed by the institution of the issue. However, I can assure that something like this wont happen again because I have placed the payments on autopay going forward to prevent this from ever being a future occurrence. In previous months, Ive even taken the initiative to pay back double what was due as the records will show and prior to this honest mistake, Ive never missed a payment with the Wells Fargo institution, or any other institution for that matter, for as long as I have been in business with my creditors. 

Ive recently gotten engaged and my fianc and I intend on applying for a home mortgage but its come to my attention that the missed payment on my record could affect my ability to qualify. I truly believe that this mishap doesnt reflect my creditworthiness and commitment to repaying my debts.As a United States Army Veteran, Ive always made necessary sacrifices for my country and family. Now as New York City XXXX, I will continue to rectify and fulfill the requirements needed for a better future. It would help my family and I immensely if you could provide me with a second chance and make a good will adjustment to remove the late payment from my credit report. 

Thank you for your consideration and I hope you will approve my request.

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 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
1

5 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 an account without my permission in written instruction. 15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MN

Complaint narrative:
I filed a dispute trough all three credit bureaus -- Transunion, XXXX and XXXX -- regarding my now-closed XXXX XXXX XXXX XXXX Secured Credit Card on or around XX/XX/XXXX. I stated that this account is more than seven years old and therefore too old to be on my credit report. When XXXX XXXX  responded to the dispute, they incorrectly reported that the account status is " 60 days past due. '' This is not possible. This account was closed with a XXXX balance in XXXX. When XXXX XXXX responded to the credit report disputes, they incorrectly reported that this account status is " 60 days past due, '' which has not adversely affected my credit score and ability to obtain credit. This account is closed and paid in full. Also, it can not have a current account status of " 60 days past due '' because the account is closed. Furthermore, the account never went 60 days past due, so this is even more incorrect. There are two errors here : The account was never 60 days past due and the current account status is being reported incorrectly as 60 days past due. The account status and derogatory account information must be updated and corrected. Finally, the payment history on this account never once shows that this account ever went 60 days past due. So, it's impossible for this account to be reported currently as 60 days past due. I have included screen shots directly from my Transunion credit file to substantiate my claims.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I have submitted multiple ( more than 3 attempts ) Security Freeze Requests with LexisNexis. I have submitted all required documents LexisNexis requires to submit a valid security freeze. I have just resubmitted another security freeze today XX/XX/2023 @ XXXX. I provided LExisNexis with a valid copy of my Drivers License ( that has my correct address on it ), Valid copy of my Passport, Copy of my Social Security Card, a utility bill, and Mortgage Statement all matching the address on my Drivers License. I made the request online through there request page https : //forms.consumer.risk.lexisnexis.com/ # /freeze-self

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: NY

Complaint narrative:
I sent a letter requesting debt validations of accounts that I saw on my credit profile. I received a letter back saying that they were validated. I am writing to dispute the verification of the accounts on my credit report. I recently obtained a copy of my credit report and found that the accounts in question, have been verified. However, I believe there are inaccuracies or discrepancies regarding these accounts. 

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 I request that you conduct a thorough investigation into the accuracy and validity of these accounts. I believe there may be errors in the reporting, and I would like to clarify and rectify any discrepancies that may exist. 

Please provide me with the following information pertaining to these accounts : XXXX. Documentation and evidence proving the accuracy of the reported accounts information. 
XXXX. Copies of the original signed agreement or contract between myself and the creditors pertaining to this accounts. 
XXXX. Detailed payment history for the accounts, including dates and amounts of all transactions. 
XXXX. Any other relevant documentation or information related to the verification of this account. 

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. I kindly request that you keep me updated on the progress of the investigation and provide me with a written response regarding the outcome. 

Additionally, if you find any errors or inaccuracies during your investigation, I request that you remove the disputed account from my credit report, as required by the FCRA. 

Please consider this letter as a formal dispute under the FCRA and take the necessary steps to rectify any incorrect information on my credit report. I appreciate your attention to this matter and your timely response. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Savings 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase acct XXXX was setup in my name. A business controls it and using it. 

Now they say a business controls it. I have ro pay XXXX to get the business released and XXXX fees for getting them money. plus they say they cant wire it to another bank plus rhey require id.me verification which is hard to get

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am in receipt of Rent Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$1300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Rent Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Rent Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Rent Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Rent Recovery Solutions has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My mobile app have sending some of my Bills were being Late now for a few months so I went for HELP a Banker XXXX XXXX help me and he changed all my payment dates so no more late payments for my other Bills won't be late but what end up overdraft fees and my Rent payment came out XXXX times for XXXX and they said they could not do nothing so now my account is over drawn and I'm forced to pay my monthly Rent for XXXX ahead of time and I'm forced to overdraft fees I'm on XXXX and no more money for this month Thanks Sincerely every body says they never heard nothing like this and it WAS there doing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: IL

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX  Delete this account. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


8. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-13 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MD

Complaint narrative:
I recently ordered my credit report and to my surprise there were unknown, names, addresses, phone numbers and charges on my credit report. This is a form of identity theft. Ive reached out to all three bureaus but no changes have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief