vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And two years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just one late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was XXXX. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the US equal credit Act. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX XXXX  versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed one payment in 2 years and my score drop close to XXXX points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance

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 2023-01-29 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: DC

Complaint narrative:
All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
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. XXXX XXXX XXXX XX/XX/22 Reported on 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: MI

Complaint narrative:
In accordance with the fair credit reporting ( XXXX XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2023-01-29 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 reporting ( XXXX XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2023-01-29 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: EQUIFAX, INC.
State: DC

Complaint narrative:
All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
This debt was paid on XXXX with another third party. Nelson & Cruz were no longer the collection agency for the original merchant. I paid XXXX XXXX XXXX on XXXX. I was supposed to receive a letter of confirmation but never did. The charge is also still showing open on my account with Nelson Cruz and Associates, who was removed as the collector. I have reached out XXXX times since then to find out why I still have this showing on my credit report as unpaid. I was told this would be resolved and would be removed from my credit report and I would get a deletion letter to show my lender for mortgage application on XXXX Since then I have not heard anything back. I have called back and left voicemails and no one will return my calls back. This is hurting my chance of buying a house. I need this removed from my credit. Its been over a month since its as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
the credit bureaus XXXX, XXXX, transunion are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX /ACCOUT # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX XXXXXXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED XXXXI HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE TRANSUNION XXXX.MY NAME IS XXXX XXXX XXXX NOT XXXX THIS NEEDS TO BE FIX XXXX XXXX SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS TOI BE DELETED OFF MY REPORT XXXX XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXXXXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT INQURIE BT ME THIS IS FRAUD THIS NEEDS TO BE DELETED XXXX. XXXX XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS XXXX. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX XXXXXXXX XX/XX/XXXX NEEDS TO BE DELETED XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXX NEEDS TO BE DELETED XXXX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED

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 2023-01-29 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: NJ

Complaint narrative:
the credit bureaus XXXX, Experian, XXXX are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted EXPERIAN XXXX /ACCOUT # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH # XXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED XXXX.I HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE XXXX XXXXMY NAME IS XXXX XXXX XXXX NOT XXXX  THIS NEEDS TO BE FIX XXXX XXXX  SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS TOI BE DELETED OFF MY REPORT XXXX XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT INQURIE BT ME THIS IS FRAUD THIS NEEDS TO BE DELETED XXXX. XXXX XXXXXXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS XXXX. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX XXXXXXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX. XXXXXXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XXXX XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXX NEEDS TO BE DELETED XXXX FROM XXXX UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXXXXXX XXXX DATE XX/XX/XXXX NEEDS TO BE DELETED XXXXXXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XX/XX/XXXX NEEDS TO BE DELETED

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 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: IL

Complaint narrative:
I sent you guys a letter on XX/XX/2022 and still haven't heard anything back. You guys are reporting inaccurate information to my credit report, don't you have XXXX  days to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2023-01-29 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: MA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Chime Financial Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX was not authorized to charge my card {$300.00} on XX/XX/2023 or any other date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Bank foreclosed on our home sometime around XX/XX/XXXX after repeatedly requesting a XXXX loan modification on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
We had a civil action against Wells Fargo Bank, XX/XX/XXXX but was foreclosed sometime around XX/XX/XXXX. At which time they told us we had to be out in 48 hours, which caused stress and undue hardship. 
I lost my job prior to the foreclosure and had difficulty making the payment. I requested many times for a loan modification and have all the documentation sent to Wells Fargo Bank.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Re : Wells Fargo Charged {$20.00} XXXX {$10.00} fees for no good reason. XXXX was reversed. I was told that I waited too long to correct the error for the other one. It was at the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The guy I spoke to first lied about the type of account I have. Then lied about the minimum amount of money needed to Not be charged a fee. I said he was XXXX. he told me to XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX opened BofA XXXX pre paid account in XXXX XXXX For my XXXX payments. Everything was working fine, I was able to transfer funds into my normal accounts until ; XX/XX/XXXX - I tried to transfer XXXX XXXX  online and a message appeared stating unable to complete & to try again later XX/XX/XXXX, Called BofA and was told XXXX XXXX can only be transferred once every 7days. 
XX/XX/XXXX - Went to BofA online again to complete the transfer but to my surprise, I saw a XXXX XXXX  was already transferred & I thought maybe the funds may have went through, XX/XX/XXXX - XXXX checked the account where it was supposed to go which is to my XXXX XXXX checking but no funds were transferred into that account. 
XX/XX/XXXX - I filed a claim for fraud with Bof A since I did not receive that {$5000.00} funds supposedly transfer to XXXX XXXX checking. 
BofA showed a transfer on XX/XX/XXXX. Existing card was blocked & was provided a new one XX/XX/XXXX - I received the new card from B of A and re-activated it. 
XX/XX/XXXX - Checked online account again and found {$3300.00} was transferred again without my consent. Talked to a BofA XXXX and opened a XXXX claim. 

I have since requested a hard check from XXXX via mail & not using the BofA account any longer and have not activated the the latest XXXX  debit card. 
I have been trying since XXXX of XXXX to resolve this issue and as of the current time it is still ongoing. Bank of America has continually insisted I had made these transfers and will not tell me where funds were sent and denied and closed my fraudulent claim cases. I have lost total of {$8300.00} and with limited income this is a very serious issue, I have heard I am not the only one with Fraudulent activities for a XXXX  card issued by XXXX to BofA. I will continue to try to recover my funds from BofA using whatever legal means possible and this is why I am filing this with the CFPB and also working with XXXX XXXX to try and resolve this issue which is still ongoing at this time.

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 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I sent you guys a dispute letter on XX/XX/2022 and haven't heard anything back. You guys are reporting inaccurate information to my credit report, don't you have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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