vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: GA

Complaint narrative:
After reviewing my credit profile. I identified this inaccurate fraudulent account under Amerifinancial Solutions - original creditor : XXXX XXXXXXXX XXXX XXXXXXXX. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. 

Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Account name : Amerifinancial Solutions - 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: FL

Complaint narrative:
i have been disputing the following accounts for months and yet they all still appear on my credit report. i have mailed in proof, highlighted the errors and yet they keep coming back as verified accurate. EQUIFAX has violated 15 U.S. Code 1681n and 15 U.S. Code 1681o for CONTINUING TO ALLOW THESE CREDITORS TO REPORT INACCURATE AND INCOMPLETE UNVERIFIED INFORMATION ON MY CREDIT REPORT. 


XXXX XXXX Account Number XXXX XXXX HAS INCOMPLETE PAYMENT HISTORY. EQUIFAX IS REPORTING THAT I WAS LATE FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THE PAYMENT HISTORY IS INCOMPLETE AND DOES NOT REFLECT HOW MUCH WAS PAST DUE. I'VE ASKED EQUIFAX TO VALIDATE THIS INFO BECAUSE IT'S INCOMPLETE OR UPDATE THOSE DATES TO CURRENT ON TIME AND THEY HAVE FAILED TO DO SO. 

XXXX XXXX XXXX XXXX XXXX  Account Number xxxxxxxxxxxx XXXX THE PAYMENT HISTORY FROM XXXX TO XXXX IS INCOMPLETE AND REPORTING NO DATA ( FCRA VIOLATION ). DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX  Account Number XXXX XXXX I ASKED EQUIFAX TO SEND ME VALIDATION OF ME BEING LATE AND THE ACTUAL AMOUNT FOR THESE DATES : XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THEY FAILED TO DO SO. PLEASE UPDATE TO PAID ON TIME AND CURRENT OR DELETE THE ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX  Account Number XXXX XXXX XXXX INCORRECT ACCOUNT NUMBER AND INCOMPLETE PAYMENT HISTORY PER MY CREDIT REPORT PULLED FROM XXXX. DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX Account Number XXXX XXXX THIS ACCOUNT IS REPORTING FALSE AND INACCURATE PAYMENT HISTORY ON MY CREDIT REPORT. I NEVER AGREED TO " TERMS '' OR ANY CONTRACT WITH THIS COLLECTION COMPANY. ALSO EQUIFAX IS REPORTING THIS ACCOUNT UNDER THE " CLOSED ACCOUNT SECTION '' YET THE ACCOUNT STATUS IS FALSELY REPORTING THIS ACCOUNT AS A " OPEN ACCOUNT ''. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I sent Credence a letter disputing an account that they placed on my credit without sending me any collection notice prior to putting it on my credit report. 

On my credit report it shows XXXX  being the original creditor,. I am a current customer of XXXX  and my account is active and in good standing, so I called them in XXXX 2022- and they stated my account was in good standing. They said they did not have any account of mine sent to collections. 

I have reported Identity theft ( fraud ) to Credence  regarding this and I also sent in the fraud paperwork. They have yet to remove this account. 

This account needs to be removed immediately, Ive placed fraud alerts on all three credit bureaus as well. 

Ive included my letter to credence  and their response, as well as a copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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: LEXISNEXIS
State: IL

Complaint narrative:
Reporting a Bankruptcy on my credit report that is not mine and they keep verifying it when its 2 different social security numbers and reporting my XXXX account closed when it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: PA

Complaint narrative:
I suspect fraudulent hard inquiries on my credit report and I need them DELETED. I did a thorough investigation and did not authorize these inquiries. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Auto XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance XXXX XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXXXXXX XXXX  ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) XX/XX/2022 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Never received settle issue to me righteous owner of the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
To Whom this May Concern, I have noticed FNB Omaha has reaged the account on my credit report. XXXX sold the debt to FNB Ohama in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to FNB Omaha but I have never made a payment to FNB Omaha and I've never signed a contract with FNB Omaha and never opened an account with FNB Omaha. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your 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 2023-01-21 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: CA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. Experian, XXXX and XXXX all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX amount of {$15000.00}. XXXX XXXX XXXX account number XXXX XXXX XXXXXX/XX/XXXX amount {$220.00}. XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX - XXXX account number XXXX amount {$230.00}. XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX account number XXXX XXXX XX/XX/XXXX amount {$160.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX in the amount of {$470.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX amount {$100.00}. XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX. There are also XXXX inquiries on my 3 credit reports. XXXX, Experian, and XXXX have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was comparing my American Express statement from XX/XX/XXXX with my XX/XX/XXXX statement. On my XXXX statement it shows that my APR on purchases made between XX/XX/XXXX and XX/XX/XXXX is 20.49 %. On my XXXX statement it shows that my APR on purchases made between the same time period of XX/XX/XXXX and XX/XX/XXXX is now 24.74 %. I called the bank and asked how it is legal for them to retroactively increase my interest rate and I spoke to multiple people that could not give me a straight answer. I was only told that I have a variable rate card and that the Fed is raising interest rates, which I understand. They told me to read my customer agreement. Nowhere does it explicitly state that they are allowed to retroactively increase my interest rate for purchases made during a previous time period. I also never received any written notice that they intended to make this change. This is predatory and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a letter from XXXX XXXX stating that " Action needed to process your credit card account application # XXXX ''. 
I DID NOT apply for this credit card. I called XXXX XXXX at XXXX to tell them it wasn't me who applied for this cardt and they said I needed to call Equifax and file a complaint for Fraud right away. I logged into Equifax and found this Hard inquiry on my account See Below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I have no idea who this is or why there would be a Hard Inquiry on my account. Equifax told me that I can NOT remove it or Dispute it until I file here and send them a copy of the report from here. Equifaxe also told me to file a police report BUT ... .how do I file a police report when all I have is the info I saw on Equifaxand aa letter from XXXX XXXX saying that they can not process the credit card because they need more info from me. 

I am so confused and now worried that someone is applying for credit cards using my info. Can you help me? 

Sincerely, XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: FL

Complaint narrative:
As dated, XXXX THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I took out a mortgage in XX/XX/XXXX with Wells Fargo. I paid my payment every month for years, then I was unemployed but still made my payments within the month due, due on 1st but I paid it as soon as I got my unemployment check. Then fees started, it was {$8.00} late fee monthly then a charge that just said other charges - I called that ended up being " oh we had to send someone out to take pictures & make sure you were living there '' but it was a large charge several times. 
Then in XXXX I was working but hospitalized for a fractured hip, needed XXXX & ended up going on early retirement through Social Security at XXXX. I knew this was going to be a major problem with them from my numerous phone calls in the past. I explained I would not be able to make the due date because I would receive my check on the 4th Wednesday of each month, I asked to have the due date changed or put all the payment as an additional end of loan payment with the extra charges. Their only response has always been - " we can't do that but you could have the option of paying an additional payment & the charges in a 4 month plan and still make a payment " I tried several times to resolve this to NO end. 
I don't have any extra money. I did receive a small check a few years ago when Wells Fargo had to pay out claims on mortgage fraud with " the other charges '' but didn't come close to cover my charges. Now my bill shows " no '' extra charges but only shows late fees of {$930.00} - MY PAYMENT IS ONLY {$240.00} A MONTH!! That is almost 4 months of mortgage payments. 
I'm sure by now, you know I can't stand Wells Fargo & their greed. I know several others that feel the same way about them through their own experiences like mine. They need to be more concerned about their customers I pay my bills they just won't work with me. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im having problems with XXXX XXXX XXXX XXXX and the credit reporting companies reporting my balance and payment history. Im missing approximately 9 missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
When I closed my wellsfargo account they charged me tons of insufficient funds fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filling a claim about Wells Fargo bank in regards of the settlement money that they need to pay me due to their errors that's caused me numerous charges and fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
We applied with Wells Fargo in 4 different occasions in XXXX  for loan modifications. We had both a first and a second. Wells Fargo was never responsive and we lost our home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: MI

Complaint narrative:
In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681.

1 ) XXXX  XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX Of MO  # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX # XXXX 7 ) XXXX XXXX  # XXXX 8 ) XXXX XXXX XXXX  # XXXX 9 ) XXXX XXXX # XXXX 10 ) XXXX XXXX # XXXX 11 ) XXXX XXXXXXXX # XXXX 12 ) XXXX # XXXX 13 ) XXXX XXXX XXXX  # XXXX 14 ) XXXX XXXX XXXX # XXXX 15 ) XXXX XXXXXXXX XXXX # XXXX 16 ) XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime 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 reporting agency if the person knows or has reasonable causes to believe that the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX Close my account with {$800.00} on my account never received and answer sin XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of fraud. There is a card using my name that I did not authorize or approve. It has dropped my credit over XXXX points. Id like it removed and my credit to be fixed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom this May Concern, I have noticed XXXX XXXX has reaged the account on my credit report. XXXX sold the debt to XXXX XXXX in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to XXXX XXXX but I have never made a payment to XXXX XXXX and I've never signed a contract with XXXX XXXX and never opened an account with XXXX XXXX. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.

Company response to consumer: Closed with explanation