vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: AZ

Complaint narrative:
( For History, please refer to closed complaint : XXXX Opened on XX/XX/XXXX Closed on XX/XX/XXXX ) On XXXX, I received a letter from CFPB that XXXX had resolved the dispute with monetary relief. My XXXX Statement from XXXX was all zeroed out. I was credited for the amount listed as late payment On XX/XX/XXXX Experian Credit Report, everything else regarding XXXX account is resolved except : XXXX card status is listed as Negative because late payment for month of XX/XX/XXXX still appears Report says, By XX/XX/XXXX, this account is scheduled to go to a positive status I complained to Experian, and they responded that the matter had been resolved, however it has not. The XXXX, XXXX report still lists the late payment and that it will be resolved by XXXX/XXXX. 
Experian ( Credit Reporting Agency ) is not in compliance with the FCRA. The account status needs to reflect that there were NO late payments because the balance listed was XXXX error. XXXX acknowledged this in a letter to me on XXXX XXXX This should not be affecting my credit because it was an error they acknowledged and corrected. 
My credit report needs to reflect this NOW, not XXXX. 

FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) specifically requires that the Notice of Results of Reinvestigation, which must be sent within 5 business days after conclusion of the 30-day reinvestigation period, must include as part of its content a revised copy of your credit report showing that they have actually entered the correction/deletion into your file/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 2023-09-02 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: FL

Complaint narrative:
XXXX XXXXXXXX with Account number XXXX is showing incorrect balance. the account is paid off with XXXX balance

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 2023-09-02 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: MO

Complaint narrative:
This has been ongoing since XX/XX/2023. I requested/demanding proof and challenged the legality of the collections and inquiries in question. They failed to provide adequate proof within 30 days, The credit bureaus must remove those negative items from your credit report. the account appears to be re-aging. 
XXXX did as you see below. TransunionXXXX XXXX has not. 

on XX/XX/2023 I requested the Trans Union, XXXX and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. Transunion nor XXXX has not deleted these incorrect items on my credit report file.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: CA

Complaint narrative:
This debt has been closed and they do not want to remove the late payments from the report plus they sold this loan was fed loan no Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Exeter finance reposed the car XX/XX/2023. They added a slate fee charge of XXXX on top of the balance. They said they put the car up for auction instead of just letting me pay the car off monthly with another payment plan. They need to stop adding late fees when they already have the car. They pack on fees every day but they are not telling that to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-02 00:00:00
Product: Credit reporting 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: CO

Complaint narrative:
I applied for a debt consolidation loan through XXXX XXXX with upgrade back in XX/XX/2022. I thought my rate was going to be lower than {$220.00} a month. They have you put in what cards you want paid but I never signed anything. I received an email on XX/XX/XXXX stating my loan was approved. I emailed them and told them I wanted to cancel the loan. I then received and email someone would contact me but did not. I thrn called them on XXXX and was told I could not cancel. This loan is breaking me and cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against NCB  XXXX XXXX, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from NCB XXXX XXXX. in the form of an invoice and a copy of a bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, NCB XXXX XXXX, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( XXXX XXXX. XXXX XXXX. Company has no Contract between XXXX XXXX and NCB XXXX XXXX, I kindly request that the Department XXXX XXXX XXXX and XXXX thoroughly investigates this matter and takes appropriate action against NCB XXXX XXXX. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from NCB XXXX XXXX, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CT

Complaint narrative:
I am a victim of identity theft and there we're two credit card accounts that was opened in my name with Discover and XXXX  XXXX XXXX. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During XXXX I was receiving a monthly Advance Child Tax Credit stimulus check on behalf of my children. At the time I was unemployed, and XXXX to pay for things. I was having financial issues due to the pandemic. At the end of XX/XX/XXXX and XX/XX/XXXX my Wells Fargo checking account overdrafted just before my monthly stimulus check deposited. In response to this issue, Wells Fargo sent an email on XX/XX/XXXX and XX/XX/XXXX stating Because your account had a negative balance on the day before the deposit of a stimulus payment, we have refunded any deposit account fees that were part of the negative balance to help you have access to your stimulus payment. If there was still a negative balance after any fee refund, we also provided a temporary credit to your account for that amount. 

What this means to you A temporary credit is not a waiver of the amount owed. If you received a temporary credit, we will reverse it no earlier than 60 days after it posted to your account. We will send you an advance notice approximately seven days before we reapply the negative balance. Negative account balances remain subject to the terms of your applicable account agreement. 

They deposited approximately {$91.00} in XXXX and approximately {$320.00} in XXXX. Both deposits were unsolicited with no option to opt out of receiving it. There was no communication to ask if I could repay the amounts. Yes, I used the funds after each deposit because I was desperately in need of it. I understood that the cash was a credit. I was under the impression that each amount would be withdrawn 60 days after their deposits. It wouldve been possible for me to repay those deposits if they were withdrawn in that way. Instead, both amounts equaling approximately {$410.00} were simultaneously withdrawn sometime, more than 60 days later, in XXXX. I had no way to repay that within three months time, so subsequently my checking account remained overdrawn for approximately {$410.00}. This led to my account, that had been open since XXXX, to be closed in 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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and Bank Of America. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and XXXX  XXXX XXXX. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has violated the law! Here is the law that has been violated and the accounts that are associated to the multiple violations. 

15USC 1681 2 ( i ), I am a consumer and this agency can not put this on my report.

15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report.

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Equifax is a cooperation? This is against the law for Equifax to report late payments on my consumer report. Please remove this information. 

Here are the accounts as proof Equifax has violated this law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax has been made aware that they are violating this 1970 Fair Credit Reporting Act law XXXX and just sent me a new copy of my creit report where they are still violating this law.

Until this Federal Law Changes, Equifax is expected to fully comply with ALL 1970 Fair Credit Reporting Act Laws and not pick and choose witch laws to follow. The law is in black and white and must be upheld. Equifax is NOT above the LAW!

I will providing proof Equifax has been made aware of thesse violations numerous times and still continuing to violate the law by my proof in the recent credit report Equifax sent me.

I have more than enough evidence to show Equifax is still violating this 1970 Fair Credit Reporting Act Law. I demand that Equifax follow all the 1970 Fair Credit Reporting Act Laws and STOP picking and choosing what laws they will follow. This law is in black and white and ABSOLUTE!

Company response to consumer: Closed with non-monetary relief