vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Hello : The issue I am having with XXXX XXXX XXXXXXXX is not actually a credit reporting but actually, being reported to CHEX SYSTEMS. I have been a XXXX client for 33 years and on XX/XX/2022, there was check fraud on my account. I immediately called XXXX to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by XXXX that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to CHEX SYSTEMS anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from Chex Systems even though the account has been paid back by my own funds. I would like to have XXXX remove me from CHEX SYSTEMS. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called Wakefield & Associates claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/XXXX, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
I pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called XXXX XXXX XXXX claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/2020, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
In XX/XX/ XXXX about a year ago to be exact I made an extra payment to my mortgage company to cover two months in advanced. A payment of {$3900.00} was made to my mortgage to cover 2 months but instead one payment was applied to the current month and the other to the principal although I never made a note that the extra payment was to be sent to the principal. When I caught the mistake the mortgate company made it was already too late and I was behind one payment because of their mistake. I called several times to speak to a representative and when I was able to speak to someone they said they would correct the payment that was supposed to cover my two months of rent/mortgage. As time went by no one ever applied the extra payment made to my rent/mortgage bill instead it was sent to the principal even though I did not make a note to send the extra payment to the principal. A year later now we are behind on our mortgage because of a mistake that took place over a year ago and no one ever corrected it. I had to apply for a forberance just to stay away from late fees as my family struggle to make end meets. If my payment would have been applied properly since day 1 I would have never face any financial hardship that has now caused emotional and financial distress. I never got the help I deserve at that time and now I'm just facing financial hardship trying to get up to date with my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was in a covid forbearance in XXXX. I have a primary mortgage and a second. After speaking with US Bank we agreed to roll the amount into the back of the mortgage. Paperwork was notarized and sent back. The main mortgage was processed properly. The second mortgage they never handled. I just found out today when trying to make a payment that it's 13 months past due. I've received no call, no notifications nothing from US Bank. The account has disappeared from my login. When calling I've been hung up on. This is so concerning. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I was taking class as part of the Small Business Administration 5- XXXX to introduce my health drink XXXX. An orientation was hosted by XXXX XXXX, president of SBA. I took class from XXXX of XXXX to XXXX of XXXX to learn about how XXXX could help me in my health drink business. I was introduced to XXXX, an intake specialize at SBA and he was going to help with my health drink business. Then I was introduced to a Consultant whose name was XXXX XXXX. He is one of the instructors who is supposed to help me find a warehouse because I need space. XXXX XXXX and I were supposed to have a launch party in XXXX of XXXX. I was broke around XXXX and XX/XX/XXXX and started looking for a loan. I was knot of where that i receive the loan their were [ problem. I went to my bank in Late XXXX to cash a check. That's how I found out that I had money XXXX in my account. I was expecting some kind of paper promissory note.Then I would receive money in my bank account. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TN

Complaint narrative:
Problems are interest fee in which it causes the credit card company to be overcharged causing my monthly payment to increase greatly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX, IL XXXX and needs to be deleted. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by Transunion and XXXX, while XXXX reported it as a credit card account. Moreover, TransUnion reported a {$0.00} monthly payment, while XXXX and XXXX did not disclose it. TransUnion and XXXX also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, 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 2023-03-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and XXXX, while Experian reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while Experian and XXXX did not disclose it. XXXX and XXXX also reported a balance of {$0.00}, while Experian did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to Experian and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, 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 2023-03-28 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax regarding incorrect information on my credit report. As of today, I have not received a response. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. I know that the original creditor XXXX XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The reported Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Due to these inaccuracies, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$140.00} ) is also inaccurate. I understand that the original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. You report a higher Balance of {$140.00} than the amount I believe I owe. This information is incorrect, and I dispute this account as well. I also request a verification of Date Opened and Date of First Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened two Capital One Accounts two years ago. I have remained in good standing with both accounts. I was never late on any payment with Capital One. In the beginning of the XXXX billing statement I contacted Capital one and informed them that I was getting a promotion and the XXXX XXXX XXXX at my employer would be changing my direct deposit date. Consequently, I would be paying my credit card bill a week late. I was pro-active and extremely diligent in my efforts to remain in perfect standing with Capital One. Unbeknownst to me, Capital One continued to process my payment via. my XXXX XXXX XXXX account and the payment was declined. They tried again to process payment a day later and the payment was declined once more. On XX/XX/2023 Capital One closed both of my Credit Card accounts. I was extremely disappointed and tried my best to remedy the situation. Unfortunately, my accounts remained closed. Capital One couldn't give me any reasonable reason except it was system generated. I would like both of my credit card accounts reviewed and re-opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} The information presented on this account needs to be investigated. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX XXXX. The balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. Therefore, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} The information presented for this account is also inaccurate. The original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. The reported balance of {$140.00} is higher than the amount I believe I owe. I dispute this account and request a verification of Date Opened and Date of First Delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a inquiry on my Credit Report from a Nordstrom on XX/XX/2023. I am in the process of moving so it slip my mind until today when I received the credit card.

Company response to consumer: Closed with non-monetary relief