vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: WI

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
Started financially struggling XX/XX/XXXX. I planned on borrowing the owed amount so I asked the foreclosure attorney for a reinstatement letter but never got them when valid. Difficult process. Then I asked if I had any other options. Sent me a loss Mitigation packet with no explanation or direction. Horrible experience. Finally got HUD involved in XX/XX/XXXX. Was approved for forebearance starting XX/XX/XXXX thru XX/XX/XXXX. Foreclosure process still moving forward while in forebearance until on or around XX/XX/XXXX when I emailed Cross Country, XXXX and the foreclosure attorney asking why we have court on XX/XX/XXXX. That is when I learned the XX/XX/XXXX court date was to request a sale date from the judge. No loss mitigation offered in the first forebearance entered into a second forebearance on XX/XX/XXXX thru XX/XX/XXXX. Received my partial claim packet today. XX/XX/XXXX. Owe $ XXXX ( no explanation or breakout provided- previously requested ) monthly mortgage payment went up roughly {$200.00} again no explanation provided. While in forebearance Cross Country reported delinquent to all XXXX credit bureaus. Asked it to be corrected as of today still showing in foreclosure and delinquent. 

XXXX. Dual tracking XXXX. Ok to report delinquent while in forebearance? 
XXXX. Never ( to my knowledge ) received or informed of the foreclosure process learned after the foreclosure attorney filed. No certified letter or call from Cross Country Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Dates including All Transactions Being Sent Unauthorized From XXXX XXXX up until XX/XX/2023 Debit Cards linked and Money Being sent out of my account without consent of authorization and my account need the Balance Adjusted back To date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2023-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC
State: DE

Complaint narrative:
I had buy a car from XXXX at the end of XX/XX/XXXX. My car loan lender was American Credit Acceptance ( ACA ). I paid my car loan on time all the way up to XXXX of XXXX when my car loan was reassigned back to XXXX. I wasn't informed by any communication from ACA that this was happening. No phone call, email, mail, etc. I finally found out from XXXX  that my car loan was reassigned. Fast forward XX/XX/XXXX ACA removed off my credit report my car loan. This loan should had been reported as paid in full on my credit report. Instead they deleted it. I had called ACA shortly after this and struggling to get someone on the phone. I finally reached someone I asked as to why this loan was deleted off my credit report instead as being reported as a paid in full loan. I was told that there was nothing they could do to fix it and I was to dispute it with the credit bureaus. I proceeded to explain to them there's nothing to dispute because they deleted it off my credit report. ACA tells me that's not their problem. I asked do you have a credit dept I can speak to and I was told there's no one I can speak to and there was nothing they would do to help fix the situation. XXXX has been very helpful through out this and giving me supporting documents. to support this argument. XXXX XXXX XXXX has informed me that ACA is required to report my car loan as paid in full and that there required my federal law to report accurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XX/XX/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 2023-04-13 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: CA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XX/XX/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 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, 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 non-monetary relief
Consumer complaint received 2023-04-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Self Financial Inc.
State: PA

Complaint narrative:
I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XXXX XXXX XXXX  ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2023-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/ ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC
State: MO

Complaint narrative:
They have called all my family members several times now saying they are trying to locate me to sign some papers and some members told they have a claim against me and i need to call them. They have my current address and phone number. They keep calling family trying to make me contact them. They also use other company names like XXXX  but the phone number belongs to orion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Date Filed XX/XX/XXXXXXXX  Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX  Reference # : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I used a Wells Fargo ATM and made a deposit of {$2100.00} bringing my account balance to {$2500.00}. I received a receipt and what I assumed was my debit card and placed it in my wallet. 

On XX/XX/2023 I called the bank to check the balance on my card and realized that I had a negative balance of {$640.00} on my account. Soon after, I looked in my wallet and realized that the debit card that was returned to me by the Wells Fargo ATM on XX/XX/2023 was not my card, nor did it have my name or card number on it. 

On XX/XX/2023 I spoke to a Wells Fargo representative and she mentioned that on XX/XX/2023 in a Wells Fargo ATM, four different withdrawals had been made. The first of {$2000.00}, second of {$500.00}, third of {$600.00}, and fourth of {$50.00}. I mentioned that I did not make those withdrawals and that the machine did not give me the correct card back. The representative opened a fraud case regarding this issue and told me to wait 10 business days for the investigation. 

On XX/XX/2023 I logged in to my email and there I realized that seven other attempts were made on XX/XX/XXXX in other Wells Fargo and XXXX XXXX XXXX 

I called the bank to give them this information and there a representative mentioned that they had already done a less than 24 hour investigation and they are now closing the case. They mentioned that I must have taken out the money myself and that now on the other hand, owe them {$640.00}. They also told me to just throw away the card that was given to me by their ATM. 

Aside from speaking to the bank, both on the phone and in person on XX/XX/2023 I also went to the police station and made a police report regarding this issue. There the police officer kept the card that I received from the Wells Fargo ATM as evidence and helped me document everything mentioned above. I handed to him a copy of all my recent transactions as evidence as well. 


Wells Fargo does not want to help me, they closed the case and can not explain to me how my money was taken from my account or why their ATM gave me a card that was not mine. I believe a proper investigation has not been made to see if the machine was tampered with in order for me to receive a card that was not mine. Or a proper investigation has not been made in order to see who is the person who took out the money from my account. 

Please help me, I am now retired and that was all the money I had. My retirement check will be coming in soon and it will soon go to pay for the money that was stolen from me and the overdraft fees that Wells Fargo is now charging me as well. 

I needed the money I deposited to pay for my insurance and tax payment and now those charges have been declined by Wells Fargo and now I also have to pay interest with them as well.

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