vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX I was put in foreclosure. I hired XXXX XXXX XXXX to help me with this. Filed XXXX XXXX. Since that time, I make the required payments and the Notices from Wells Fargo continue to go up and 'NEVER ' shows payments made. Their notices sent to me continue to to show total payment amount going up, payments made are not shown on their mailing. 
In past, owned this home since XXXX, I never got credit for payments made. I found this to be troubling so I started mailing checks in. They never 'cash ' those checks I mailed in. What kind of business doesn't cash your payment checks?? 
I need assistance with this troubling mortgage company. I would go with another bank, but Wells Fargo has trashed my credit for years and I'm not going to get a fixed 4.75 % interest rate like I have now. I am XXXX XXXX XXXX, single, XXXX XXXX XXXX XXXX XXXX XXXX, 40 hour week, make my payments on the XXXX of every month when I get paid. Wells Fargo needs to acknowledge my payments. I have requested from them payments received since XXXX and I have yet to receive the paperwork I requested. SOMEBODY has that information. A friend spoke to an employee who was leaving work on my issue. The employee stated making payments on line will not give you a trail to follow on payments, they suggested writing checks. Of course I already figured that out and that's why I make payments by check. There needs to be oversight on their practices.

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 2023-04-16 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX Original balance- {$120.00} Account XXXX XXXX XXXX  Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX Account type-Installment Status-not more than four payments past due Status updated-XXXX XXXX  Past due amount -- - Original balance- XXXX XXXX  Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2023-04-16 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX Original balance- {$120.00} Account XXXX XXXX XXXX Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX Account type-Installment Status-not more than four payments past due Status updatedXXXX XXXX Past due amount -- - Original balance- XXXX XXXX Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Phone XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance details-XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX  Original balance- {$120.00} Account XXXX XXXX XXXX  Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX  Account type-Installment Status-not more than four payments past due Status updated-XXXX XXXX Past due amount -- - Original balance- XXXX XXXX  Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX Phone number-XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2023-04-16 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXXXXXX XXXX  Removal dateXXXX XXXX XXXX XXXX XXXX XXXX Contact info AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business typeXXXX XXXX XXXX Contact info- Address  XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX XXXX Removal date-XXXX XXXX Business typeXXXX XXXXXXXX XXXX non specific Contact info-Address XXXX XXXX XXXX XXXX XXXX XXXX MNXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business typeXXXX XXXX  Used Contact info-Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX. 
XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX  Business type-Personal Loans Companies XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, XXXX Phone number- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX Business type-Finance, personal Contact info-XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX XXXX Contact info-Address XXXXXXXX XXXX XXXX XXXX, DEXXXXXXXX Phone number- XXXX XXXX ) XXXXXXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX, XXXX Removal dateXXXX XXXX Business type-Automotive Contact info-Address XXXXXXXX XXXX XXXX XXXX XXXX, NYXXXXXXXX Phone number- 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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

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 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-16 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: NC

Complaint narrative:
According to fair credit act reporting act. The list accounts below has violation my federally protection consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX. 

15 USC 168/c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer of the following other than records of conviction of crimes. Which antendates report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) should not furnish any information relating to consumer to any consumer reporting agency if this person knows or have reasonable causes to believe the information is incorrect.

15 USC 1681 section 604 A Consumer can not furnish account without writting structions.

15 U.S.C section 602 A. states I have rights to privacy

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 2023-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: CA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: SD

Complaint narrative:
I am disputing the validity of the past due debt imposed by XXXX at XXXX XXXX on my credit report. Despite a settlement agreement, the debt is invalid as myself and the other tenant left fully paid up and without any wrongdoing. We possess evidence to support our claim, the condition of the unit upon exit, and we were not formally contacted as required by law. 

Furthermore, XXXX at XXXX XXXX has engaged in retaliatory actions against me, including harassment and intimidation tactics. These tactics from them are in response to a documented incident involving a partner of XXXX which brandished a firearm and put myself and my families life in imminent danger. This behavior is unacceptable and must cease immediately. 

We demand that XXXX at XXXX XXXX remove the past due debt from my credit report and return our security deposit as required by law and as per terms of our settlement agreement. A fair resolution to this matter is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX issued a debt instrument in the amount of XXXX ( negotiable instruments ) to Navy Federal credit union as the consumer. Nfcu declined my request for credit due to a credit report which is totally against my consumer privacy rights. Nfcu also used that information to determine creditworthiness which is a violation against my consumer rights and fraud.This is very disturbing because Nfcu has a charter here to serve the people and the constitution which are THE PEOPLE. THEREFORE I AM THE ORIGINAL CREDITOR U.S.C TITLE 1681a. Nfcu is in violation of there Fiduciary Duty to the consumer.I have fully lost faith in the banking system for misrepresention of Debt instruments ( U.S.C title 15 1692c ) when all debts are due to the United States. This is decit and fraud Nfcu is In fact in so many violations to me as the CONSUMER. To relief my pain and suffering due to Nfcu neglected to uphold the LAW AND THE CONSTITUTION I request that Nfcu release my credits owed to me as the consumer the credits I issued as the consumer in the amount of XXXX. I claim all rights, titles interest, and equity on promissory note issued to nfcu on XXXX XXXX XXXX for the amount of XXXXNfcu has caused a great deal of stress making it hard for me to provide the necessary items for my household and family needs through there decit. I WILL TAKE FURTHER ACTION IF NFCU DOES NOT HOLD UP THERE FIDUCIARY DUTY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX Business type-Bank Credit Cards Contact info XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEXXXX XXXXXXXX number- ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info- Address XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX ) XXXX XXXX  Important XXXX XXXX XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance Companies XXXX non specific Contact info-Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MNXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Automobile Dealers, Used Contact info-Address XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXX US SM BUS ADMIN ODA Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXXXXXX XXXX date-XXXX XXXX Business type-National Credit Card Cos. 
XXXX Important dates-Inquiry date-XXXX XXXX, XXXX Removal XXXX XXXX Business type-Personal Loans Companies XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal date-XXXX XXXX XXXX XXXX Important XXXX date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, XXXX Phone number- ( XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal XXXX XXXX Business type-Finance, personal Contact info-Address XXXX XXXX XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Banks and S & Ls XXXX XXXX XXXX  XXXX XXXX XXXX, DEXXXX Phone number- ( XXXX ) XXXX XXXX XXXX  Important dates-Inquiry XXXX XXXX, XXXX Removal date-XXXX XXXX Business type-Automotive Contact info-Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX Phone number- ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX  Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info- Address XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Finance Companies  XXXX non specific Contact info-Address XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Automobile Dealers, Used Contact info-Address XXXX XXXX XXXX XXXX XXXX NYXXXX Phone number- ( XXXX ) XXXX US SM BUS ADMIN ODA Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-National Credit Card Cos. 
XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Personal Loans Companies XXXX  Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXXXXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, VAXXXX Phone number- ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Important dates-Inquiry date-XXXX XXXX XXXX  Removal date-XXXX XXXX Business type-Finance, personal Contact info-Address XXXX XXXX XXXX XXXX, NYXXXX Phone number- ( XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX  Removal date-XXXX XXXX Business type-Banks and S & Ls Contact info-Address XXXX XXXX XXXX XXXXXXXX, XXXX Phone number- ( XXXX ) XXXXXXXX XXXX XXXX Important dates-Inquiry XXXX XXXX, XXXX Removal date-XXXX XXXX  Business type-Automotive Contact info-Address XXXX XXXX XXXX  XXXX XXXX, NYXXXX  Phone number- ( 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 2023-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I receive. XXXX from Affirm of a purchase done on XXXX and the amount was {$200.00} + interest = {$200.00} payment to be made in 4 payments of {$69.00} I contact affirm via their Application after being on the phone with them 72 times and 4 months later the confirm I dont own any money and the sale was never been made on XXXX But affirm report to the credit bureau a open account and late payment, and my credit dropped XXXX points and now I have a bad credit, I have contact XXXX, XXXX and XXXX but they telling me Affirm keep adding this incorrect information to my credit and is nothing they can do

Company response to consumer: Closed with explanation