vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
i won a small claim against XXXX  XXXX. XXXX  XXXX  refused to pay the judgement. i went back to the court and decided to garnish XXXX XXXX XXXX bank account. i did all the proper paperwork and wells fargo 's response was XXXX XXXX did not have an account with them and they had no idea for XXXX XXXX was. 
i then hired an attorney at a cost of {$600.00}. they hired a company to investigate XXXX XXXX and find out where they bank. the investigation found that XXXX XXXX  does bank with wells fargo bank. currently has an open and active account. the investigation costs another {$600.00}. {$1200.00} to find out something in alreasdy knew. 
wells fargo lied and submitted inaccurate documents to the court. they should be held accountable

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 2022-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
sent a validation letter to the company they did not send the correct information I asked for. This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. 
Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence, I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided, then you are too block and delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I leased a car from XXXX and it ended up being a horrible problem. It started having problem after problem which made me have to fall behind in payments due to having to fix the repairs. It was repossessed in XX/XX/2022 and I have tried to see what the next step was, they sent a letter saying the money made from auction will go towards the balance remaining owed. Then after that I will be responsible for remaining balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
In accordance with the United States Code A consumer is entitled to 100 % accuracy on a consumer report. After reviewing my report Fair Collections Account # XXXX is reporting inaccurate information on my consumer report. My open date is different on all three credit bureaus, my Last Reporting date is incorrect on all three credit bureaus also my last active date is incorrect on all three credit bureaus. I would like for this account be removed as it is causes me financial harm and my family financial stress. I am unable to obtain a home because of this account and it 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 explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i am in the process of securing a mortgage. Equifax has a freeze on my account. two weeks ago I called to have the freeze removed. i was told to send my license and social security card which i did. today i received a notice that i either do not have credit, have not used credit in 10 years, or do not live in the United States. none of this is true. XXXX XXXX and XXXX both show my scores. Any assistance in this matter would be helpful.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2022 I tried paying a bill for XXXX with available funds and they did not let it go through this was my first purchase within 24 hours of last use I have the card holder agreement form with withdrawal and fees/ deposits information on here it says withdrawal daily limits for ATM are 10 transactions up to XXXX I was only able to take XXXX out of ATM and it was stopped. It also says maximum daily debits limits are20 transactions up to XXXX I have only made to transactions of XXXX via debit on XX/XX/2022. I went to a bank teller to try and withdraw cash and the card would not read all my transactions are block or declining and I contacted the company and they told me they don't know why I can't use my funds available I had XXXX when attempting these transactions can you all help me get access to my funds when needed the company is U.S Bank Reliacard thanks

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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
there's something wrong with the software, or programming, when trying to log on and resetting the password. The same information used to pay as a guest is rejected when trying to reset the password. The same information used to pay as a guest is rejected, in fact, for trying to do anything else. They system rejects the information saying it doesn't match their records. If you try to reset the password the system gets stuck buffering indefinitely. Then, if you use " live chat '' the agents direct you to use that very same process. Two different agents gave me two different links. One told me that the link I had been using before the password issue was the wrong link. The other told me to use another link as well. Which turned out to be the same link I had been using all along.

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 2022-08-02 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: FL

Complaint narrative:
I've disputed the following accounts directly with the creditor and they've failed to remove them from my credit report. I've also disputed them with Experian with no help in removal. By law the Credit Bureaus MUST remove all inaccurate information as it is causing financial hard and hinderence to my personal finances. 

Accounts : XXXX : XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$8300.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$9800.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$13000.00} Status Collection account.

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 2022-08-02 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: GA

Complaint narrative:
On XX/XX/2022 I sent in letters to XXXX to have 10 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. 
On XX/XX/2022 and XX/XX/2022 I sent in letters to Transunion to have 8 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.

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 2022-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX # XXXX 30 days late inXX/XX/XXXX 60 days onXX/XX/XXXX 30 days in XX/XX/XXXX, 60 days in XX/XX/XXXX, 90 days in XX/XX/2022, and 120 days in XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this 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 explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Saturday, XX/XX/2022, I made a mobile deposit of a check in the amount of {$600.00} around XXXX when I retrieved it from my mail. The bank I have is Wells Fargo. I wrote " For mobile deposit at Wells Fargo only '' on the back of the check as instructed. 

On Tuesday, XX/XX/2022, the {$600.00} was deposited into my account. After work I took out money from the ATM and used my debit card for purchases. 

On Wednesday, XX/XX/XXXX, my account was - {$600.00}. I immediately called Wells Fargo to see what was going on. Not one person could give me an explanation other than that the check was deposited twice. I explained that I deposited the check one time through their mobile app and threw the check away because I never had issues with mobile deposits with other banks. They made me file a claim and ensured me the funds would be back in my account in 3-4 business days or 10 days at most. 

I called again on Tuesay, XX/XX/XXXX to check the status of my claim because there was a deposit from my XXXX of {$880.00} going to this account on XX/XX/XXXX and I needed the - {$600.00} balance to be removed. The negative balance was not removed and the {$880.00} deposited into my account on XX/XX/XXXX. I only received {$280.00} because my balance was still negative. 

I called Wells Fargo again on Thursday, XX/XX/XXXX, and someone informed that the funds would be back in my account today XX/XX/2022. The funds were not back in my account. 

I called today, XX/XX/XXXX, and they told me the claim was closed and I told them I can not be out of {$600.00}, that it was from my personal XXXX. They made me file a second claim and stated I have to wait another 3-10 business days. I have living expenses to pay ( as we all do! ) and really need this money back please. Thank you kindly for your 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 explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX # XXXX BAL : {$680.00} XXXX. XXXX ACCNT # XXXX BAL. $ {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: FL

Complaint narrative:
After reviewing my report, I noticed that Trans Union is the only company which still has this inquire on my report even though I have notified and submitted my documents stating that the account is not mine.

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 2022-08-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/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 2022-08-02 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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