vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: MD

Complaint narrative:
I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on 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 explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

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 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

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 2022-08-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by Equifax and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give Equifax, XXXX nor XXXX, written permission to furnish these accounts. 

EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: SC

Complaint narrative:
This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, XXXX nor Experian, written permission to furnish these accounts. 

XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
WELLS FARGO closed my consumer credit card account and refused to release the funds to offset the debt. This is a direct violation of 12 CFR 1026t.11 and my consumer rights. This account is subject to 18 USC 8 and the debt is not my debt. 

This is a notice of a billing error.

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 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
The business sent me a letter informing me that I owed them {$700.00}. I sent a certified letter to Portfolio Recovery Associated on XX/XX/2022. I asked for a letter of debt verification. I received a response from the business on XX/XX/2022. According to the letter, I owe {$660.00}. It contained numerous comments that were out of order. They were separated by months. A letter saying that the account was sold for {$700.00} was also sent. However, they issued a letter in an effort to recover {$700.00}. Then, on XX/XX/2022, I wrote them another letter demanding further details. Considering that they did not provide the documentation I asked in my initial letter. The same assertion from the first letter was repeated in a letter I later received from the corporation. Even so, I looked at my credit report. Additionally, it states that they are attempting to recoup {$700.00} on there. Also both of the letters that I received from this company were written the same way. Including the same information and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My capitol one credit card account was hacked, including online access. 
They made fraudulent charges and changed user information, effectively locking us out of managing the account. 
Capital One will not resolve the issue since they are claiming they can not prove that the account is mine. I have submitted all the required documents ( social security card, ID, mortgage and bank statements, household bills, etc ) but the addresses will not match since the fraudster changed all the addresses. 
They will not offer any other solutions to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a natural person, i am a human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : i have the rights to privacy and i did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I've been trying to pay off this capital one MasterCard for three months .it is less than XXXX dollars. Their system is very flaky and doesn't allow me to bank transfer unless I have an account with them. I have sent them payment with payment coupon in the mail two months ago for the balance. This same thing happened about 4 years ago. It took them a few months to find the check. They refuse to admit it's possible they could lose it and continue to give me harassing phone calls and emails daily. I told them I would only send another check directly to the CEO with certified mail so they will have no reason to blame me for losing it. They are refusing to take a payment and continue to charge more fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Investigation took more than 30 days
Company: LoanCare, LLC
State: CA

Complaint narrative:
Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX/LoanCare on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.

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 2022-08-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.

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 2022-08-16 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: IL

Complaint narrative:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.

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 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
In accordance with the credit report XXXX, XXXX XXXX XXXX Account number XXXX has violated my right. 


15. U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I had a student loan years ago, currently serviced by XXXX XXXX, i filed XXXX on XX/XX/XXXX to pay the debt in full for XXXX account {$12000.00} and {$1100.00}, they never applied the funds. I also let them know that they never actually loaned me any money, instead they created a promissory note off my signature and pretended to loan me the money that was created which is fraud and they failed to report this income and instead collected XXXX,, I further filed a XXXX for each account which cancels the debt on XX/XX/XXXX, the still failed to acknowledge that i owe them nothing, i further sent them XXXX promissory notes on XX/XX/XXXX which were received and are legal tender, they have not been returned and therefore according to law they are accepted and these debts are XXXX under the postal rule and the law.. I called them today XX/XX/XXXX and requested a FULL accounting and ledger of how the " loan '' came to be, also requested a XXXX due to them evading taxes, and making money off my signature.. 

this debt is paid in full and or cancelled out it needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

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 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
i contacted said collection agency. he threatened to have my license suspended and further court action if i didnt pay him XXXX at XXXX pm XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I had received a " robo '' call at the end of XXXX and was asked to review my current loan. I firmly rejected that because I was not interested and was in a hurry to get on my way to a family event. My current service with Rocket Mortgage has been very good until that phone call. 

On XX/XX/XXXX I received an email that thanked me for applying for a home mortgage. On XX/XX/XXXX I talked to XXXX to complain that I had not applied for a loan and that I was enraged about being rejected for a loan for which I had not applied. She assured me that my XXXX XXXX was not affected and that the response was marked inappropriately as a denial. She apologized. I asked for a letter confirming that error and stating that I did not apply for a loan. 

I have now received a letter that says the same thing the email did -- I have been denied a loan. Indeed this is a hard time for mortgages, but I seem to be caught up in a telephone marketing snafu. I think these phone contacts are marked denial because of quotas that the callers must make. I want my XXXX XXXX protected and do not want to be placed in this position again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
My name is XXXX XXXX I received email below about an account that was open back in XXXX per Rep. I inform her I never open this account and someone stole my identity, there was a fraud alert added to my credit b/c of it she stated I had to send my info her. 


NCA Account # : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX  XXXX Original Account # : XXXX Dear XXXX, We are pleased to extend you discounted offers to resolve the remaining balance on your account! Contact us for assistance on a plan that works for you. 


Here are your available options : Option XXXX Option XXXX Option XXXX Build Your Own ( Full Balance = {$1500.00} ) Save {$770.00} Save {$460.00} Save {$150.00} No savings, but Pay only {$770.00} if payment is received by XX/XX/XXXX. Pay {$360.00} monthly for XXXX months if first payment is received by XX/XX/XXXX. Pay {$110.00} monthly for 12 months if first payment is received by XX/XX/XXXX. Create a plan that works for you! 
In a position to move past this now? Take advantage of great savings. Need savings with a little extra time? This might be the right choice for you. Trying to balance savings with a lower payment? 
This makes it easy! Contact us today for additional options. 

We are not obligated to renew these offers. Several payment methods are available. These options are both convenient ( save XXXX XXXX XXXX ) and worry-free ( your payment is always on time, even if youre busy! ). 

XXXX ) VISIT XXXX XXXX Enter your NCA account number ( XXXX ) and your five-digit zip code ( XXXX ). This online service is available to you XXXX hours a day. 

XXXX ) SCHEDULE PAYMENTS Want it to be even easier? Payments can be automatically scheduled via checking, savings, debit or credit card. Call us to learn more ; the process is painless and secure, and well even send you payment reminders! 

Learn more : XXXX Pay online : XXXX XXXX us : XXXX This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 

Make a Payment! 


po box XXXX / XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX Continue scrolling for notice of important information. 

National Credit Adjusters Physical Address : XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: United Shore Financial Services, LLC
State: IL

Complaint narrative:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.

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 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Calling multiple family members and leaving threatening voice-mail related to a very old HSBC account that was charged off over 10 years ago!!! 

Threatening to go to my employer. 

Repeated harassing phone calls. 

Asking for my SS # and Date of Birth # XXXX Case # XXXX

Company response to consumer: Closed with explanation