vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. 

I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

See All attached documents for more details of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
Through XXXX XXXX I was approved and received three ( 3 ) notifications for loans in the amount of {$5500.00}, {$7500.00}, and {$6800.00} but upon clicking through the emailed link for {$6800.00} I was subsequently denied at SpeedyLoan. For reference : XXXX : The firm listed below is ready to set up ( 1 ) large direct deposit ( By Saturday ). 

Please review the details below and then complete the process by following the link under this message. 

Direct Deposit Details Lender : 2023 XXXX XXXX To : XXXX XXXX : Up to {$7500.00} Estimated Processing Date : Saturday, XX/XX/XXXX by XXXX XXXX XXXX  Immediately pay for things like upcoming rent, last month 's electricity bill, take a trip this Spring, or pay for anything at all. 

This process is 100 % secure + confidential. 

Confirm Your {$7500.00} Deposit Here This newsletter is part of your recent inquiry at XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a loan with Citibank/CitiMortgage/Citifinancial ( names have changed several times ) back in early XXXX. My family experienced a hardship around XXXX to XXXX and had to file bankruptcy ( XXXX  XXXX ). We included this loan in the plan so that we can pay it back and we were under the impression that it was satisfied as we didn't hear anything else from them once the bankruptcy was closed and satisfied. We realized when we tried to refinance with our current mortgage holder that Citibank charged off the balance of the loan.. My mortgage company requested a letter asking for the amount of charge off and the date it was charged off. They refused to provide the letter and our loan was denied.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am unable to open a checking account due to ( EARLY WARNING CONSUMER REPORTING AGENCY ). 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. Subject to subsection ( f ) and except as provided in subsection ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: AR

Complaint narrative:
I sent in an FTC report to notify Equifax of fraudulent items on my report and they refuse to remove them. The fraudulent items are two accounts named XXXX - XXXX XXXX {$3000.00} and XXXX XXXX XXXX XXXX {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} 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 explanation
Consumer complaint received 2023-03-10 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: TX

Complaint narrative:
There is inaccurate information reporting on the credit report, That does not match the correct identification. There are unknown addresses that doesnt not match any personal records or Identity. These addresses are not attached to anything on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On or around XX/XX/XXXX, I received a bank statement from TD Bank for an business account that I did not open. 

On XX/XX/XXXX, I spoke with a branch manager and customer service rep at a XXXX, MA TD Bank location, and neither of them could tell me who opened the account. They told me that the account was opened online and provided me with the XXXXertificate Regarding Beneficial Owners of Legal Entity Customers. ( See attached ) When I XXXX  the source of the deposit ( XXXX XXXX ), I found the following : XXXX XXXX XXXX XXXX XXXX XXXX is a recoverable assistance program offered by the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( the Bank ) that helps members provide financing for qualified small business transactions by. filling the gap between what the member can finance and the loan request by the eligible small business.XXXX XXXX XXXX I did not request this loan. 

I do not want this loan. 

I did not open this account. 

I believe this is a fraudulent attempt to sign me up for a business loan. 

The Branch Manager offered to close the account and give me the money in the account. I did not accept this because I believe that it would mean I accepted the loan ... .which I didn't request and don't want!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by Coin list ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navinet has reported on my credit report to all three agencies XXXX, XXXX and XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was to be in forbearance at those times. I have disputed with the credit agencies several times and Navinet validates and says it is correct. I was told by Navinet that they report an account late every 30 days. They skipped the 30, 60 and went right to 90. I have since consolidated my loans and Navinet is no longer my provider. They told me I would have to dispute with them. Because the reports were 90 days I am unable to get a home loan and will be homeless soon. Due to the fact they were reported as 90 days it has completely ruined my credit. 
I need to move out of state where home prices are affordable. I am the caregiver if my mother who is XXXX. 
As I stated before I have been trying to fight this issue for some time. 
Navinet didnt even tell me about income driven repayment plans. They wanted me to go into forbearance to keep the high interest to accumulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
It's multiple Reasons to this complaint This debt collector has broken several laws Garniisgjing Exempt funds Did not properly notify me Sue for Old debt 15 plus, years old Debt is not mine or incorrect information This collection needs to be shut down for these unlawful misconduct actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After a thorough review of a copy my mortgage documents acquired at closing, I came across several discrepancies. On XX/XX/XXXX, I sent a letter to Wells Fargo outlining a contractual outstanding amount of {$160000.00}, that was never paid nor given to me, but outlined in my mortgage contract. Wells Fargo responded, admitting that no record exists of this amount being disbursed, transferred nor given to me. However, even with this confirmation, Wells Fargo continues to dishonor this part and many other sections of the mortgage contract agreement. 
On XX/XX/XXXX, I sent an affidavit with 7 days to respond, to Wells Fargo, along with an invoice outlining over 15 continued failure to comply with US Code, state laws and Federal Laws resulting in an estimated sum of {>= $1,000,000} in damages. Receipt of the affidavit was confirmed on XX/XX/XXXX by the post office : XXXX : XXXX XXXX I received a letter response back from Wells Fargo dated XX/XX/XXXX with no dispute, rebuttal nor challenge to the facts laid out in the affidavit, and therefore serves as Wells Fargo 's acceptance of all facts, allegations, violations and damages stated in the affidavit.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting the account XXXX XXXX XXXX # XXXX with 0 late payments, but still shows on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. How can there be 0 late payments, but still have all the late payments in the payment history if this is reporting accurately as they claim? I've disputed this account with these blatant inaccuracies for the last 7 months and no one has taken action to delete the late payments in the history or the account completely. Furthermore, the FCRA clearly states under 15 USC 1681a ( 2 ) ( A ) ( i ) which says Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; These should never have been reported to begin with per the FCRA and also because Equifax is not reporting this with XXXX XXXX accuracy as that is their duty to do so. Upon calling Equifax and addressing these issues, the supervisor admitted that it was incorrect, but put the blame on the furnisher and said they ( Equifax ) can not correct the inaccuracy. The supervisor also admitted to not complying to the laws of the FCRA, I have this conversation recorded and can provide the recording as needed. This account has been ruining my credit for quite some time and causing a lot of stress on my life and all because no one wants to take the right, legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wish to practice my right as a customer of Wells Fargo to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Wells Fargo. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Wells Fargo respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by various ( seemingly interconnected ) brands such as XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account, and through an intermediary XXXX to fraudulent investment firms. 

Please see the attached PDF file. 


Thank you, 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 2023-03-10 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$2000.00}

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 2023-03-10 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} 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 2023-03-10 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation