vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 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: TX

Complaint narrative:
1. My personal information is incorrect Incorrect Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX 2. Did not consent to unauthorized inquiry. 
XXXXXXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX  XXXX XXXX XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXX XXXX  Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX Please Remove It From My Credit Report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX ** Validate/inaccurate reported late payments. 

8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX * Validate/inaccurate reported late payments. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX ** Validate/inaccurate reported late payments.

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 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The ATM did not give money, I loss {$180.00}. I was trying to get {$180.00}, and PNC ATM fails and didnt give anything to me. The transaction in the bank passed. 
XXXX XXXX XXXX. 
It was with PNC atm, in XXXX, address XXXX XXXX XXXX, XXXX, FL XXXX. 
I immediately called to PNC costumer service, but nobody cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: SC

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX amount {$360.00} date opened XX/XX/2015. This information is outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo atm withdraw of {$1900.00} was taken when my card was stolen and reported stolen i than was reimbursed by the bank following a 10 day investigation. When investigating atm cameras where not reviewed and held me liable for stolen card and amount of {$1900.00} was reversed this happened around 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 2023-05-06 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: SC

Complaint narrative:
Equifax is reporting XXXX  date opened XX/XX/2011 in amount of {$410.00} on my credit file. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I had an auto loan with Wells Fargo from XXXX which falls in the timeline related to the recent lawsuit. I also had a bank account with Wells Fargo and received a large amount of overdraft fees,

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 2023-05-06 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: PA

Complaint narrative:
I was contacted by XXXX XXXX, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and XXXX XXXX XXXX  has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, XXXX XXXX has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.

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 2023-05-06 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: PA

Complaint narrative:
I was contacted by XXXX XXXX, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and XXXX XXXX XXXX  has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, XXXX XXXX has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: PA

Complaint narrative:
I was contacted by XXXX XXXX, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and XXXX XXXX XXXX  has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, XXXX XXXX has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.

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 2023-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the debt with Experian Credit reporting agency several times. Ive submitted police reports, ftc complaints, and all other required documentation to proove the negative closed account XXXX XXXX XXXX and the collection account Innovative XXXX XXXX are not mine. 

Experian continues to report fraudulent Accounts onto my credit profile. These accounts do not belong to me. I have informed them of the following I have not supplied proof under the doctrine estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NY

Complaint narrative:
These people have been trying to contact me through email, calls, and emails constantly. They've sent scores of snail mail, and hundreds of emails saying things like, " Hello XXXX, There is some important information for you. New York law requires that consent be provided before additional information can be disclosed via email. Click the link below to provide your consent today. GIVE CONSENT WITH A CLICK. '' I've told them for the past year or two to stop contacting me, but they email me several times a week still. I'm tired of 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 2023-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: FL

Complaint narrative:
Pre arbitration demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Volkswagen credit XXXX XXXX XXXX XXXX, IL XXXX Re : Complaint for Breach of Contract, Violation of UCC 9-609, and Truth in Lending Act Violations Dear Sir/Madam, I am writing to file an complaint against your bank for breach of contract, violation of UCC 9-609, violations of the Truth in Lending Act ( TILA ), and failure to comply with the arbitration clause in the loan agreement. 
As I previously stated, I believe that your bank and XXXX XXXX XXXX violated UCC 9-609 during the repossession process by failing to provide proper notice of the repossession, failing to provide me with a reasonable opportunity to cure the default, and breaching the peace during the repossession process.

Furthermore, I now allege that your bank violated TILA by failing to provide me with accurate and complete information about the terms of the loan agreement. Specifically, your bank failed to disclose certain fees, charges, and other material terms of the loan agreement, in violation of TILA.

In addition, I recently discovered that your bank failed to comply with the arbitration clause in the loan agreement. The loan agreement contains a provision requiring all disputes between the parties to be resolved through AAA arbitration. However, your bank failed to use AAA arbitration for all disputes related to the loan agreement, including the dispute regarding the repossession of my vehicle. 
Your bank 's failure to comply with the arbitration clause in the loan agreement is a breach of contract, and entitles me to damages and other relief. 
I am requesting that your bank investigate this matter and provide me with a detailed written response explaining your position and any remedial actions you will take to rectify the situation. I am also requesting a copy of any documentation, including the loan agreement and any notices or other communications related to the repossession, that your bank and XXXX XXXX XXXX XXXX XXXX have on file for my account. 
If I do not hear from you within 30 days, I will have no choice but to initiate legal proceedings to enforce my rights under the law, including but not limited to claims for breach of contract, violation of UCC 9-609, violations of TILA, and failure to comply with the arbitration clause in the loan agreement. 
Thank you for your attention to this matter. 

Without prejudice Agent/Beneficiary, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I noticed my consumer credit file was incorrect and incomplete, related to the Capital One account. Capital One is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. Capital One has incorrectly reported my credit card account as a flexible spending account, which it is not. Capital One also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with Capital One and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. Capital One 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, during the COVID pandemic, I was approved for mortgage assistance through a Forbearance Plan. The plan temporarily paused my mortgage payments. My forbearance would expire XX/XX/XXXX. 
However, I received a letter dated XX/XX/XXXX, that informed me my loan modification, prompted by the COVID Forbearance Plan, was complete with my signature. It instructed me to resume payments XX/XX/XXXX, in the amount of {$1700.00}. Responding accordingly my payment was made XX/XX/XXXX. 
In XX/XX/XXXX, I received another letter dated XX/XX/XXXX, informing me I was in default of {$20000.00}, non-payment from XX/XX/XXXX, to XX/XX/XXXX ( see attached ). I immediately responded with detailed documentation showing payment made as of XX/XX/XXXX to XX/XX/XXXX ( see attached ). I sent the same information twice and made multiple phone calls hoping for a response or some feedback, I received none. 
Later in XX/XX/XXXX, I received a XXXX package with more loan modification documents requiring my signature. I was confused because I had not received any response to my correspondence. I was concerned if the new process included my information, and why the new modification. I called repeatedly hoping to speak with someone who knew about my case to get some answers, but I could never get passed the front-line agent. I always left a request for a callback, I never received one. I wanted to contact the loan Trustee XXXX XXXX, but I did not know how to contact him, as he did not show in the HUD directory. After numerous calls I was told I needed to sign the papers or lose my home. I received the new modification documents around XX/XX/XXXX, I finally signed them, out of fear of losing my home, XX/XX/XXXX. 
The issue is, the new loan modification pack included a {$53000.00}, HUD loan, and {$11000.00} second mortgage for me. Referred to as a Partial Claim Deed of Trust package. My forbearance was for ten months ( based on the restart date XX/XX/XXXX ) totaling {$18000.00}. This amount was merged into the initial modification when my payments restarted. The unnecessary need for a loan was prompted by LOANCAREs inaccuracies ( sloppy bookkeeping or something more ) keeping my loan in forbearance from XX/XX/XXXX until XX/XX/XXXX ( upon receipt of the {$53000.00} ), even though I was making payments as of XX/XX/XXXX ( see confirmed bank reconciliation documents ). Their failure to acknowledge the payments started in XX/XX/XXXX, ignoring my correspondence.

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 2023-05-06 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: SC

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX  Card Services as a charged off account. This account was Paid In Full on XX/XX/2023. XXXX  XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX processed payment of {$130.00}. XXXX  XXXX can be reached at ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
i am inclosing pertinent information on my claim to the settlement I'm entitled to as there were accounts opened in my name to which I'm giving the claim number and the documents that were notifying me of the breach.

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 2023-05-06 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: NJ

Complaint narrative:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$280.00} XXXX In accordance with the Fair Credit Reporting act These Accounts have 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

Company response to consumer: Closed with explanation