vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In the XXXX XX/XX/2022 response to CFPB complaint XXXX, XXXX XXXX XXXX presents false and misleading information regarding the two ( 2 ) private student loans held by WF. Over the past two ( 2 ) years WF has provide contradictory information regarding the irregularities in handling of these accounts that led to furnishing of inaccurate and unverifiable payment history and derogatory indicators in my credit files. It is clear from the contradictory information that WF has XXXX ( XXXX ) cohesive explanation regarding the problems with my accounts and has sought instead to stall, mislead, deflect, and otherwise abdicate their responsibilities as a data-furnisher under 15 U.S. Code 1681s2, and instead have sought to engage in practices that are false, misleading, unfair as defined under 12 U.S. Code 5531 to explain away their prior mismanagement of my accounts including improper application of payments, and failures in statement generation that are required under TILARegulation Z 12 CFR 1026.2 ( a ) ( 4 ). The repetition of these practices and providing of information in CFPB responses that WF knows, or should know, is demonstrably false from their own records additionally makes their practices abusive under 12 U.S. Code 5531. At least one ( 1 ) of the three ( 3 ) CRAs has already reached the same conclusion and as such has removed the account/tradelines for the corresponding accounts from my credit files. Full documentation is attached. WF needs to understand I am not a number. I am a human being, and one with a documented XXXX. I do not deserve the XXXX and harm WF has repeatedly inflicted on me over the past XXXX ( XXXX ) years that arose from their own negligence. Making XXXX up to cover-up failures is morally wrong and patently unlawful.

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 2022-09-20 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: TX

Complaint narrative:
In accordance witn tne Fair Crealt Reporting act. The List or accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 

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 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is incorrect information on 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 2022-09-20 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, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Dept of Ed/ 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 2022-09-20 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, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Dept of Ed/ 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 2022-09-20 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: TX

Complaint narrative:
These account are inaccurate and in violation of my consumer rights under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
These account are inaccurate and in violation of my consumer rights under 15 USC 1681c-2.

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 2022-09-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recoveries listed a collection account on my credit report. I contacted them and we settled the account and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The account is paid in full, but 2 days after it was paid the account updated with a balance. It was not deleted, and the balance due was updated to {$200.00}. 
They need to stand by their word and delete the account not update the account/ balance. 

I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX FIN ), Account # XXXX ( XXXX XXXX XXXX ), And Account # 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 : 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 2022-09-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # 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 : 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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was a victim of an impersonation fraud in which I was led to believe I was speaking to a Bank of America representative attempting to stop criminal action on my account. They copied the standard format of the Bank of America text alerts for fraud and even called me from the XXXX customer support line multiple times so when I went to validate the number it was legitimate, I saw that it was the bank of america number I would have hung up and called. They said the way to cancel and report a charge through XXXX was to note the amount of money they tried to still and tie it to a reference number. Once I completed that I realized that my money was gone. I was scammed out of XXXX dollars. 

I have the call logs that prove that they used the main Bank of America customer support line to make these calls to attempt to make it look like a legitimate employee requesting me to go through steps to save my account. 

Once I've contacted Bank of America. 

I have the text phone number that initially spoofed the Bank of America text and also I have the XXXX account number that took my money. 

Thanks!

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
On XXXX I submitted letters to chexsystems because they have me listed for checking account fraud I requested les it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my chexsystems report I ordered XXXX and there is no mention of fraud chexsystems is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX  XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands

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 2022-09-20 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: GA

Complaint narrative:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB. 

Experian who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts listed below be removed immediately. 

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Experian written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX ( reporting 5 late payments and closed simultaneously ) XXXX XXXX XXXX ( reporting 1 late payment, closed and recent activity XXXX ) this account was closed XX/XX/2021 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 2022-09-20 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act XXXX  XXXXXXXX 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 XXXXXXXX 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 602 A section 2 : it also stated that 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 2022-09-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

XXXX and JPMC is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a XXXX XXXX  XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of 3 privately held company that has nothing to do with the information they are providing. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: DISCOVER BANK
State: GA

Complaint narrative:
I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

Discover and XXXX is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a XXXX XXXX  XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of 3 privately held company that has nothing to do with the information they are providing. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC
State: TX

Complaint narrative:
I received a call from an XXXX XXXX on XX/XX/22, who said she was from Global Trust Management & that she needed to talk to me before she signed off on my paperwork. I have never spoken to them before regarding this loan. I tried to advise her that I did not want her contacting me directly regarding this issue and did not wish to discuss it with her and to call my Attorney, but she would not take the information and kept trying to argue with me. I also told her I was currently under XXXX XXXX ( I will be glad to provide verification of current medical appointments ) & she was upsetting me by not simply taking the information per the Fair Debt Collections practices and call my attorney instead. I also had XXXX  in prior months. I am over the age of XXXX and need to focus on my health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have no idea what this debt is for. as XXXX my debts are paid in full please remove from my acc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
I reached out to all 3 credit bureaus ( Experian, XXXX, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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. 

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under and 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 2022-09-20 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: FL

Complaint narrative:
I am a natural person, I have rights under usc 1681. 

Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2022 someone tried to obtain credit with Barclays Bank Delaware, XXXX alert me. I reach out to Barclays Bank Delaware to let them know it wasn't me and represent told me that it will be removed that was XX/XX/2022 inquiry still remain on my credit report. Also the XXXX XXXX is my maiden name, I always apply for credit with my married last name XXXX XXXX, which is my legal last name on my driver license and social security card. Please remove incorrect inquiry that was put on my experian credit report credit that I didn't apply for.

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