vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: Lennar Financial Services, LLC
State: CA

Complaint narrative:
XXXX loan, aka XXXX, is falsly reporting that we have an open account with an outstanding mortgage balance of {$580000.00}. XXXX sold our loan to a different creditor in XXXX of 2022. The only amount in dispute is XXXX payment we allegedly owe XXXX of {$4500.00}. We maintain we do not owe this money and do not understand how they can legally report that we have an open account with them and an outstanding mortgage balance. Due to their fraudulent reporting of a second mortgage, our debt to income ratio has doubled so even though we only own XXXX real property with an outstanding balance of {$580000.00} to XXXX XXXX, our credit is reporting we owe double that amount due to XXXX reporting we owe them {$580000.00}. If the disputed amount is only {$4500.00}, they should report only that amount as an outstanding balance. This has had detrimental consequences as we are unable to apply for loans or move forward with any business opportunities. We have reported this information multiple times to the credit Bureaus and they insist that the information is verified and accurate. I have proof that it is inaccurate. I have provided that proof. Bottom line, if XXXX is saying we owe them only {$4500.00} for the month of XXXX, why are they repeatedly reporting to the credit bureaus that we owe them {$580000.00} and that we have missed XXXX and XXXX payments? They have themselves acknowledged in an email that if we pay the XXXX payment amount that they will close our mortgage account and remove it from the credit report but that is in essence holding us XXXX as it appears as though we are currently in debt {$1.00} XXXX dollars when in reality we are only in debt {$600000.00}.

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 explanation
Consumer complaint received 2023-01-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, is falsly reporting that we have an open account with an outstanding mortgage balance of {$580000.00}. XXXX sold our loan to a different creditor in XXXX XXXX XXXX The only amount in dispute is XXXX payment we allegedly owe XXXX of {$4500.00}. We maintain we do not owe this money and do not understand how they can legally report that we have an open account with them and an outstanding mortgage balance. Due to their fraudulent reporting of a second mortgage, our debt to income ratio has doubled so even though we only own XXXX real property with an outstanding balance of {$580000.00} to XXXX XXXX, our credit is reporting we owe double that amount due to XXXX reporting we owe them {$580000.00}. If the disputed amount is only {$4500.00}, they should report only that amount as an outstanding balance. This has had detrimental consequences as we are unable to apply for loans or move forward with any business opportunities. We have reported this information multiple times to the credit Bureaus and they insist that the information is verified and accurate. I have proof that it is inaccurate. I have provided that proof. Bottom line, if XXXX is saying we owe them only {$4500.00} for the month of XXXX, why are they repeatedly reporting to the credit bureaus that we owe them {$580000.00} and that we have missed XXXX and XXXX payments? They have themselves acknowledged in an email that if we pay the XXXX payment amount that they will close our mortgage account and remove it from the credit report but that is in essence holding us hostage as it appears as though we are currently in debt {$1.00} XXXX dollars when in reality we are only in debt {$600000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.These items must be removed entirely from my Credit Report on its next update Here are the aforementioned items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Since XX/XX/XXXX I have tried to close checking, credit cards and line of credit accounts with US Bank. I have tried in branch, at drive up windows and their call center ( XXXX ). I sold my house in at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and stopped using the XXXX XXXX at a neighborhood XXXX  Store too as of XX/XX/XXXX. That address at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank continues to send confidential information to that XXXX XXXX that I have not used since XX/XX/XXXX. I moved permanently to Florida on XX/XX/XXXX. On Friday XX/XX/XXXX I received a collections letter from XXXX XXXX trying to collect money from me concerning bills I never received from US Bank for fees on accounts I thought I had finally, successfully closed once again on XX/XX/XXXX via multiple calls into their call centers. That did not happen. Instead without my knowledge or authorization US Bank moved funds from a line of credit every month into the checking account I thought I closed and then added additional fees to my accounts and never send me a paper bill. On XX/XX/XXXX I wrote a written response to the collection agency with documentation showing they were attempting to collect monies not due. Next, I called into US Banks call center and opened a new request to close all accounts that request is filed under their system as XXXX. But was told I needed to call their credit card department at XXXX on that request # XXXX I may be canceled one of many credit cards I need closed but are still billing service fees on other US Bank products I thought I had closed, most recently in XX/XX/XXXX. The agent told me one of them she was unable to close. That another dept. @ XXXX handled those accounts but I would need to verify an account number that ends in XXXX of which I have no record of. Now I am concerned there are fraudulent accounts tied to my social security number and what US Bank calls my Total Business Account which seems to me some master file that I can not access all of via their web tools or with their call center agents. I am a XXXX widow living in Florida and there are no US Bank branches in Florida XXXX I need 1 person, who will be held accountable to research all their data bases and clean up my records and close the accounts I have asked them to with a XXXX balance as I have not used any of them sometimes in 5 years and others since XXXX of XXXX the last time, I thought I had closed all the accounts I needed to close.

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 2023-01-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These Hard inquiries was not authorized according to consumer law 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter These Hard inquiries listed below were unauthorized : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a Wells Fargo bank customer for the past 15 years, I have heard many times that Wells Fargo has a lawsuit going on about consumers being owed funds back due to high interest rates, credit cards, overdraft fees, and car repossessions. I would like my bank Wells Fargo to check to see what fees that I may be owed back from between XXXX, the years in question.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The company is calling stating I owe them money for my business account when they closed it without any knowledge of them doing so. They refused cashing my checks or let me do any service with my account. I would like to keep my business account with them without the restrictions.

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 2023-01-23 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: GA

Complaint narrative:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account was froze with $ XXXX without no explanation

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-01-23 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
After depositing a check into my Wells Fargo account and making a withdrawal it froze my account and I had to wait on a check to be mailed out to me for my account balance it caused alot of hardship and issues over the wait.

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 2023-01-23 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:
I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.These items must be removed entirely from my Credit Report on its next update Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 
here are the accounts that need verification : 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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I have tried to dispute to remove and taking over 30 days I am asking to have resolved by removing all Covington credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
I have requested on multiple occasions to request validation of this alleged debt that XXXX claims I owe and still there is none provided Certified Mailing # XXXX XXXX XXXX XXXX XXXX letter dated XX/XX/20XXXX 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: MN

Complaint narrative:
Equifax Im sorry yet another violation under the FCRA on XXXX XXXX bank! Account number XXXX and I asked you to remove this account from my credit file in its entirety immediately after you read this and view the factual evidence that has been provided to you On XX/XX/XXXX I initiated a formal complaint/dispute with the FDIC on credit reporting against XXXX XXXX bank regarding in accurate credit reporting XXXX XXXX advise myself in the FDIC that credit reporting May varies from different credit reporting agencies such as Equifax XXXX and XXXX XXXX that statement kind of bothered me a little bit because if you have one Account all the information should be exactly the same across all three of the reporting agencies! And they did say they are reporting accurate information and certified it and for me to reach out to Equifax and thats what Im doing for immediate deletion of this account XXXX XXXX XXXX stated that the account was open on XX/XX/XXXX but your report and all other reports are showing XX/XX/XXXX this information is incorrect! 

XXXX XXXX XXXX report that the account charged off on XX/XX/XXXX the account charged off in which they are reporting to you as paid as agreed for the month of XXXX XX/XX/XXXX which also a violation under the FCRA because XX/XX/XXXX is showing 120 days late on your credit report and payments started up again in XX/XX/XXXX how is that possible?? ( remove for FCRA violation ) Also Under FCRA 623 A 3 req notice is missing!

This is false credit reporting mission stated that the information THEY BELIEVE IS REPORTING ACCURATELY we cant have we believe it Hass to be 100 % accurate and verifiable. This is unreal someone credit report looks like this and they taking about they believe! Remove this immediately EQuifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have the account number for the last two accounts, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have the account number for the last two accounts, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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