vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXXXXXX Account # 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 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This is not mine it's from a state I have never been a resident of. It is identity theft someone used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc.
State: GA

Complaint narrative:
FOR SOME REASON MONEYLION KEEPS REPORTING THIS ACCOUT # XXXX AS A XXXX XXXX BANKRUPTCY ITS NOT AND THE INFORMATION NEEDS TO BE CORRECTED. FROM THIS POINT NOW AFTER DISPUTING FOR 2 YEARS THIS ACCOUNT TO BE DELETED OFF ENTIRELY. THE WHOLE HISTORY OF THIS ACCOUNT IS WRONG. 



REMOVE THIS ACCOUNT ENTIRELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CA

Complaint narrative:
This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I FILED A REPORT WITH MY LOCAL ATTORNEY GENERAL 'S OFFICE AND IT CAME BACK AS IT WAS RESOLVED BUT I UPDATED MY CREDIT REPORT AND IT'S STILL THERE I FIRST ASKED FOR A INVESTIGATION WHEN I WAS HARRASSED ON PHONE BY THIS COMPANY NOW THEY INSERTED THIS ACCOUNT ON MY CREDIT 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 explanation
Consumer complaint received 2023-11-08 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 the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX and XXXX  XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-11-07 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: TX

Complaint narrative:
I tried contacting LVNV Funding LLC & the original creditor XXXX XXXX XXXX about account XXXX multiple times. The original creditor literally had XXXX XXXX of my information & the debt collector LVNV Funding LLC I have proof my identity was stolen I have police report & affidavit from months prior nobody is trying to help just asking me to make a payment on an account thats not mines. The account has been deleted from my XXXX report as of last week, it was also removed from my XXXX report but re added the next day to closed accounts & unpaid & IT still remains on my XXXX report. This is harmful to my health and a defamation of my character. 



This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC. 





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Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: GA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I keep on escalating this issue to all credit bureaus, concerning these closed accounts that were tagged as negative and late payment, and I havent received any updates nor seen any changes from my credit report until now. These accounts were supposedly deleted. I have filed an Identity theft before and have sent them copy of it but I received NO resolution from their side.

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 2023-11-07 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: CA

Complaint narrative:
This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am still missing my Direct deposit from XX/XX/XXXX  my paycheck was sent to my bank account, and I have not received my funds which has caused my rent check to bounce. I am single mother of XXXX and now I have late fees due to unpaid rent and someone is holding my paycheck the payroll department says it is ACH and so does the bank I see the deposit was sent to my bank but apparently my bank has no record of this deposit. I really need help everyone is pointing the finger, but NO ONE will help me.

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 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I previous had a XXXX account that I closed due to the fact that fraudulent charges appear on the bill. I took the steps by filing an claim with XXXX and reported the charges while the account was still open and no remedy or investigation was started nor did I received a follow up. The charges was placed on the bill and I could no longer afford payment and I closed the account. I contacted XXXX multiple times since closure and reported the fraud with the FTC and through their claim department informing them a representative from they company mishandle my account which resulted in the fraudulent charges. I did not receive a response. Almost a year later a collection was reported on my credit report on from all three CRAs under Credence Resource Management for {$1300.00}. 
I did not receive any communications from the collector prior to reporting. I did not receive any communication notice or a validation notice per the FDCPA rule that regulates when a collector can report the collection. 
I have since disputed the collection and requested validation and I did not receive any notice from Credence. But from XXXX the original creditor. Which continues to request documents that was already provided. At this time I believe my rights are being violated by both companies. This collection is impacting my lively hood and my credit worthiness. I ask that the CFPB, please get involve and help me get a resolve. I should not be held responsible for fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I have several inquiries on my credict report that was not submitted by me and because of this its affecting my credit score!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: MI

Complaint narrative:
I am writing this letter to the fraudulent inquiry on my credit report. This inquiry is fraudulent and I need this inquiry removed from my credit report. Here is inquiry listed below. 
XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED EQUIFAX AND XXXX AND XXXX CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS EQUIFAX AND XXXX AND XXXX CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXXXXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX  XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IA

Complaint narrative:
The ACCOUNT ABUSE REPORTED BY US BANK ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. US BANK ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL US BANK LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME

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 2023-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I checked my online account and noticed XXXX was fraudulently withdrawn from my citizens savings account on XX/XX/XXXX. I contacted citizens multiple times and they kept saying they are looking into it and couldn't provide updates. I have spent hours on hold with no luck. I was finally told today they closed and denied it but the rep couldn't say why and guessed it was because I waited to file. I filed the day I found out about the transaction. I have been calling XXXX and the details that show up are " XXXXXXXX XXXX XXXX XXXX' I have tried calling XXXX and they are saying I need to have citizens contact them and can't help me. 

Citizens bought out my account from XXXX. I have done nothing with the account since it was bought out. This is bad banking. There is no way they got the account information from something I did. I have never accessed the account in any capacity or wrote down any banking information. This has to be a citizens internal security issue that someone was able to easily access my funds and transfer such a large amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
The ACCOUNT ABUSE REPORTED BY XXXX XXXX  ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. XXXX XXXX  ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL XXXX XXXX  LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME

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 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a letter regarding Changes to Your Mortgage Interest Rate from XXXX XXXX XXXX XXXX on XX/XX/2023. The letter stated " Under your loan agreement, your index rate is the XXXX XXXX Cost of Savings. '' I received a Notice of Assignment, Sale or Transfer of Servicing letter from XXXX XXXX XXXX XXXX on XX/XX/2023. It stated " the transfer does not affect any term or condition of the mortgage instruments. '' The new servicer is XXXX XXXX. 

I received a welcome letter from the new servicer XXXX XXXX on XX/XX/2023. It stated " The terms of your loan are staying exactly the same. '' I received a letter from the new servicer ( XXXX XXXX ) regarding Changes to Your Interest Rate on XX/XX/2023. It Stated " Under your loan agreement, your index is the ONE MONTH XXXX XXXX XXXX. This is incorrect, the index is the XXXX XXXX XXXX. 

The result of changing my index was the interest rate changed from 7.110 % to 8.874 % and my payment changed from {$3100.00} to {$4000.00}. 

I called XXXX XXXX at on XX/XX/2023. The representative said something like " we are using the industry standard as the index ''. I talked about all of the letters I mentioned earlier in this statement and she did not seem to understand. She said she would pass the information to someone and they would respond within 24-48 hours. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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:
Please, on several occasions I have contacted the transunion agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
There are several inquiries on my credict report that was not submitted by me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: AR

Complaint narrative:
I entered into a loan agreement with LoanMart in XXXX around the middle of the year. Things were fine. In XXXX they offered an additional {$1000.00} loan. I needed the money so I took it. This brought my loan total to {$2000.00}. I asked about moving my payment date. The man said hed send the paperwork. I didnt receive it, so my payment in XXXX was late. I called again and was promised the paperwork again. Would not take off late payment fee. Same thing happened the next month. In XX/XX/XXXX I finally got someone who explained that loan had to be current to change due date. I made my payment and called back the next day. Turns out they just had to send an email which I then signed electronically. Done. Around XX/XX/XXXX I started receiving phone calls and texts saying I had missed a payment, which I had not. First person I talked to said it was a mistake. Took off the late payment, so I thought I was good. Same thing happened in XXXX. I called and automated response said Id made payment, so I thought it was just another error and ignored. They kept calling. I talked to someone who said what had actually happened was I missed a payment in XXXX. Id made the payment but it was declined/returned a couple of days later. I disagreed and looked at my banking records which showed no missed payment. I called back to ask where to send copies of my records and was told that was NOT what had actually happened. What had happened was regarding the late fees I had accrued. I had approximately {$150.00} in late fees. My payments each month went to late fees and interest first, so therefore it was marking my payment as late each month. I couldnt afford to make a full payment, so I said Id make an extra {$50.00} payment each month until it was paid up. Everything was fine last month. This month I start receiving phone calls and messages again. I go to double check my payment went through and see that my past due amount has jumped up to over {$300.00}. I call today to try and straighten it out and the guy Im talking to doesnt understand me. I just told them Id made my payment, and Im going to start contacting whoever I need in order to report their loan practices.

Company response to consumer: Closed with explanation