vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received a call from a XXXX XXXX ( Female ) on XX/XX/2022 explaining that she was from XXXX XXXX in XXXX XXXX XXXX and that a form was being delivered to me or my place of employment. If I did not respond or was not at home or at work it would be considered a direct refusal to comply and proceedings will move forward without me. She called from ( XXXX ) XXXX and left the number for the direct filing party at ( XXXX ) XXXX with a document number of XXXX. 

I called both numbers on three separate occasions and could not get clear answers to my questions. I was informed that it was a lawsuit from Wells Fargo for a credit card debt in the amount of {$1400.00}. They were able to accurately identify my cell number, my former home address, and my current address. I never received any documents and scheduled an appointment with Wells Fargo to conduct a deep dive into any past accounts held in my name. We discovered nothing. 

I also pulled all three of my credit reports and did not find any open accounts with Wells Fargo.

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 2022-06-10 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: MI

Complaint narrative:
The companyXXXX XXXX XXXX failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.

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 2022-06-10 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: MI

Complaint narrative:
The company, XXXX XXXX, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Identity Theft an account was opened in my name with out my approval

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 the following Accounts, have violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Erroneous Direct Violation Of The FCRA Professional Debt For months now Ive been disputing these items im getting so angry please please remove these from my credit report these are fraudulent i file a police report and ftc report Equifax WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 

XXXX XXXX XXXX Opened XXXX {$310.00} XXXX XXXX XXXX Opened XXXX {$310.00} XXXX  Opened XXXX {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I took a Home Equity Line loan from PNC mortgage. The loan had a principal balance of {$42000.00} and a 3.5 % interest rate. This gave me a payment of $ XXXX  monthly. I fell behind on my HELOC during the pandemic when my income was negatively affected. When my income stabilized and we had adjusted to living with COVID I called my lender and asked for assistance I was offered a repayment plan with a 6 month payment of {$1800.00}. I advised that I work in a commission based job and that was unaffordable. We then sent in a full modification package that included my pay stubs, my modified first mortgage, auto loans and a full description of our monthly expenses. On XX/XX/2022 PNC offered me a modified payment of {$1000.00} for the remainder of the life of the loan. I have included my paystubs and the offers from PNC in this complaint. Not only does my income not support this payment without commissions which are not guaranteed but it is also almost 3 times the amount originally agreed to. I then asked for a second review and PNC would not adjust the amounts. I would not have signed a loan with this monthly payment. I do not believe that PNC should be able to triple my payment when I sent information that it was not affordable. I have also included the successful modification with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under XXXX XXXX XXXX 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

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 2022-06-10 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: TX

Complaint narrative:
hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC report.

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 2022-06-10 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an 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 explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681se ction 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hi I currently have a mortgage with US Bank. In XXXX I became very sick with XXXX  and my entire household became sick with XXXX. After that I was affected by XXXX XXXX related to XXXX. I reached out to US bank as I was encouraged to do so by resources in the community. I learned that I could do a forbearance do the fact I had XXXX. So I did end up doing that. In XXXX I tried to reach out to the bank to resume payments they stated I would just have to wait for paperwork and submit it. I did so. I was then denied the mortgage assistance and was informed in XXXX that I need to submit more documentations. So I did so which was a letter to state my hardship was resolved. After that I received a letter stating my house was up for a short sale. Which long story short affected my current XXXX XXXX state bad. It also affected my XXXX of XXXX XXXX XXXX. Long story short I called US bank again and they informed me that I should not worry as the application that was submitted was wrong as it did not reflect that the hardship was XXXX related. Which I did keep my paperwork that was submitted and it did state that is what XXXX related. I have been going through alot with US BANK and have lost lots of work 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 explanation
Consumer complaint received 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 also states a consumer reporting agency can not furnish a account without 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 2022-06-10 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have an account that is still showing late payment for XX/XX/2021. This is the ONLY late on my entire credit report and it is because of HSBC 's fault, NOT mine. This account was on auto pay where HSBC takes the money out of my account automatically every month to clear the bill. The monthly payments are fixed and HSBC knows exactly how much to take out because they do it every month with no issues HSBC did not take the money in XX/XX/2021 and this prompted me to see what the problem was. HSBC explained they did not take the payment this month and they were performing updates. The updates knocked the payment system offline and the autopay feature did not trigger. HSBC then refunded me the late fee they assessed and told me I have nothing to worry about. Now On my credit, I see this late payment hurting my credit profile. I spoke to an agent from HSBC and they told me it will be reversed. Today, months later, the fee is not reversed and I am still fighting this problem. I just want this error addressed and reversed on my credit. I have 100 % payment on all my accounts except for this one because HSBC made a promise to me and has failed to keep their promises. I have the credit report attached. Notice they have sold the account to XXXXXXXX XXXX  and it says " In Dispute '' This means they have received my dispute and deliberately refusing to fix this problem. I need the CFPB to look into this and have this late payment taken off as promised AND my credit restored to perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, Do NOT give XXXX Bank my lawful authority to furnish my nonpublic personal information and XXXX Bank shall be fined under the Gramm-Leach-Bliley Act for noncompliance and not comply with the rules according to the Act, which in fact in {$100000.00} ( Per Violation ). I am demanding XXXX Bank to stop furnishing my nonpublic information I revoke any consent as of XX/XX/2022, and XXXX Bank shall be criminally held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX & XXXX, has violated my rights. 

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

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 2022-06-10 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX & XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

3. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report

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 2022-06-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. 

1FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an 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