vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from my 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 2023-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am reaching out to notify you that my credit file includes a collection entry attributed to your agency. Surprisingly, I have not received any prior notifications regarding this collection. Moreover, I firmly contest the accuracy of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am within my rights to request and receive validation of the debt. Consequently, I kindly request that you furnish the necessary validation and take appropriate measures to address and resolve this issue.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I would like to bring to your attention the accounts on my credit report that are inaccurately marked as having a collection/charge-off status. This is in spite of my consistent track record as a responsible and long-standing customer with a history of making on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX and XXXX of this year ( 2023 ) {$410.00} for a total of {$820.00}. I have no memory of receiving a bill or email for this amount and I didnt authorize them to be paid by bill pay. The following months XXXX, XXXX, XXXX, my personal banker and branch XXXX was no help. It was like they was covering for the scammers. Most people I had contact with would say, you authorized it. I didnt authorize it. Why would authorize a scam. 
XXXX XXXX have XXXX  issues. I think the scammers are Well Fargo employees, it has to be a inside job to set up a XXXX  account, somehow authorize payments. 
My dispute # with Wells Fargo is XXXX. All they say is, you authorized the XXXX payments.Nothing about the XXXX  account, with a due date XXXX of the month. My account has always been XXXX of the month. So I have XXXX due dates, XXXX and XXXX. I ask them why, no answer. I have talked for hours on the phone, in the end of the day, they say you authorized them. Nothing about a scam, they covered for the scammers and helped them. 
I hope this makes sense, if not let me know.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint to address issues concerning inaccurate personal information and unauthorized fraudulent inquiries on my credit record. The items in question do not relate to me, and I request the immediate removal of this fraudulent information.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from my 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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
You've consistently reported these accounts incorrectly for several months now! The following accounts are being reported incorrectly, even in the comments section. These account numbers erroneously reported as late payments and it's infuriating how you keep reporting inaccurately. According to our compliance protocol, it's imperative that you promptly delete them. Please note that this isn't a matter of correction but removal. I've raised disputes regarding this matter multiple times, and you must remove these erroneous accounts.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I was offered a guaranteed loan for {$4000.00} and in the process Mariner Finance in XXXX Georgia pulled my credit and told me that my Birthday is displayed where my social security number is and I should call XXXX to fix it on XXXX with them the phone for verification because they arent allowed to call credit bureaus on consumers behalf. So I did just that and then I was told that my credit score isnt reporting so I got that fixed but XXXX said they did nothing to fix it now, I called Corporate to report that office for blowing me off, being rude, not being professional and just all around not doing their job. Corporate calls me back 3 days later to tell me that she spoke with XXXX and she a very nice XXXX  with a great speaking voice and XXXX told her shes doing everything possible to help me so I told her ( I think her name was XXXX ) I didnt call you to check XXXX well speaking voice, I called you because I have been mistreated, tossed aside and the office is being dismissive of me and not doing their job! So now I threaten to call CFPB now the XXXX XXXX told me they can give me a loan for {$2000.00} when in fact my loan is a guaranteed {$4000.00} and that is what I want!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
remove all negative items dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
remove all negative items dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me XXXX  because I have no hope with this system

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 2023-11-12 00:00:00
Product: Credit reporting 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:
remove all negative items dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me XXXX  because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TN

Complaint narrative:
All I know is I can't order new card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
You've consistently reported these accounts incorrectly for several months now! The following accounts are being reported incorrectly, even in the comments section. These account numbers erroneously reported as late payments and it's infuriating how you keep reporting inaccurately. According to our compliance protocol, it's imperative that you promptly delete them. Please note that this isn't a matter of correction but removal. I've raised disputes regarding this matter multiple times, and you must remove these erroneous accounts.

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 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
My recent experience, it appears that there have been a willful and knowing violation of 15 USC 1611, which prohibits the willful provision of false or inaccurate information or failure to disclose information required under the provision of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I did receive a timely letter dated XX/XX/XXXX from XXXX XXXX XXXX that my account ending in XXXX was sold to LVNV Funding in the amount of {$710.00}. I ignored it as a scam, or someone trying to get personal information. I never had a bank application from XXXX XXXX. I never made a transaction. I never received a monthly statement or bank card from XXXX XXXX. My wife nor I had no such account. 
I did receive a timely letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX stating LVNV is offering me a discounted offer of {$700.00} in 6 payments of {$110.00}. 
I did receive a timely letter dated XXXX XXXX, XXXX from XXXX and XXXX XXXX. stating I owe LVNV {$840.00}. 
These 3 letters are the only items I received, I received no emails and filed them with a picture of my XXXX XXXX XXXX bank card with my account ending in XXXX that expired in XXXX XXXX. 
I received a garnishment letter from my employer on XX/XX/XXXX in the amount of {$960.00} ( incl. court costs ). I requested a hearing, it was on XXXX XXXX. The Magistrate at my Municipal Court didn't provide me any more information than I provided here. I didn't see anything he had except he showed me a sealed certified letter that had my name and address on it. He said the prior Judge XXXX signed the order in XXXX and there is nothing he can legally do. 
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was polite and said a Debt Verification letter will be mailed and to call back when I receive it to explain what I'd like to from there. I called back on XX/XX/XXXX because I haven't received it. She said I should have received on the XXXX. 
I called XXXX and XXXX on XX/XX/XXXX to request a Debt Verification letter. 
As of XX/XX/XXXX I still haven't received a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS DOES NOT MATCH MY IDENTITY! I XXXX XXXX XXXX XXXX didn't give Authorization to these accounts to be open. I didn't give consent to these accounts to be reported. These accounts that's mentioned in the fraud report are not in XXXX XXXX XXXX XXXX name. 
Transunion is reporting fraudulent accounts that's not in my name. 
Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX These accounts are in violation of 15 U.S.C 1692E False and misleading representations for as these accounts are damaging my credit worthiness

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 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for Discover Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for US 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 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This has removed 2 times and added back on and is causing unnecessary stress. Have asked to verify and they removed it and then re-added. Needs to be removed under the FCRA. Was removed XX/XX/XXXX and then re-added and also deleted XX/XX/XXXX and re-added again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for Wells Fargo & Company.

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 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
In early XX/XX/XXXX I submitted updated XXXX income verification to have my payment counts adjusted. I was trying to have it processed faster and uploaded the completed forms I downloaded from XXXX and they were also transmitted from student aid.gov to Mohela. 
Mohela has failed to process the forms correctly after XXXX different phone calls throughout XXXX. Each time they have continued making errors on my account and now there are even more steps I have to explain that need to be correct. 
My income from XX/XX/XXXX through XX/XX/XXXX has continuously showed my employment is not certified after they processed that document, they keep saying they will review but never correct it. Now they have updated my current employment to reflect that it is the same as my previous employment and I asked them to correct that and they will not. 
They do not call when they have questions about processing but insist I wait for them to send a new notice. 
I dont know how else to fix this and Mohela doesnt seem willing either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation