vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: NJ

Complaint narrative:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023

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 2023-06-14 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: VA

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 : Acct. # XXXX, XXXX  : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX : Acct. # XXXXXXXX XXXX XXXX Acct # 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 an 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 explanation
Consumer complaint received 2023-06-14 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:
On XX/XX/2023 I submitted a dispute via certified mail through usps in which I asked Experian to remove addresses, phone numbers, social security numbers, as well as names and employers that doesnt belong to me. I included a bank statement, drivers license, and check stub from my current employer to validate information. I also provided the correct spelling of my name, my correct address and my phone number. I asked for all other information to be deleted. I also asked for them to remove bankruptcies on my account or send proof of validation in which they never sent. I also asked them to remove a closed account from upgrade that I showed was opened through fraud. I submitted a copy of a fraud report to them and they have yet to remove the account. Experian has yet to update credit card balances in which were paid off and is still reporting old balances. I am so tired of Experian dragging their feet on removing items off of my credit report and updating my report in a timely fashion. Experian continues to hurt my reputation and credit by reporting old credit card balances and bankruptcies as well as by giving thieves access to my credit file by keeping addresses on file from which I do not reside, social security numbers that do not belong to me, employers in which i do not work for, phone numbers that I do not have, and names that are not mind on file. All of those things listed has allowed fraudsters access to my credit file in the past. An example of this very situation is an address listed on my current credit file has been used to obtain credit fraudulently. I have disputed this address numerous times and Experian continues to keep this address associated with my credit file.

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 2023-06-14 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: MN

Complaint narrative:
Hello, I am contacting you, because it shows on my reports that there are some nonfactual negative items on my account. I contacted XXXX and they removed them right away, because they weren't supposed to be there in the first place. I am reaching out asking you to do the same. 

Negative account 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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On my Transunion report there are XXXX Hard inquires that are not mine ( attempted identity theft ) XXXX XXXX XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year ) XXXX XXXX  XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year ) XXXX XXXX XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year ) XXXX XX/XX/2023 ( I have a personal card already this was a unauthorized inquiry this year )

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 2023-06-14 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: World Acceptance Corporation
State: TX

Complaint narrative:
This account is over 7 years old. They had a duplicate account and one fell off, They refused to take the other account off. I disputed this account about a week ago and they took off paid collection status when I let the credit bureau know that the date of last activity is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just read the company`s response. First of all they have the incorrect sales date. They have it on their response that the vehicle was purchased on XX/XX/XXXX, it was XX/XX/2022. Secondly, they state that they paid the dealership {$28000.00}, the correct amount was {$27000.00}. 

Also, Wells Fargo Auto Finance should have known better than to pay out for a loan of that magnitude without checking the XXXX XXXX XXXX XXXX. They also state that they were not resent, they didn`t need to be present. They should have checked the value, and asked for photos of the vehicle seeing that it was used and had over XXXX miles on it. They didn`t do anything correctly. 

Another thing they should have asked for was proof of income in written format, they did not, and it is required that they see three months on Bank Statements. Wells Fargo Auto Finance made a huge amount of errors, so they will have to refund every payment I've made and take the vehicle back. I only receive {$870.00} in SSDI payments, I have the award letter attached to this.

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 2023-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in a car accident and car was paid off. Yet creditor is still reporting as derogatory. Reports are shown that account is derogatory. XXXX and XXXX are currently reporting derogatory account. This is currently incorrect and needs to be removed from credit report for job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: FL

Complaint narrative:
For XXXX XXXX years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by XXXX points. They never gave me XXXX points when I waXXXX XXXX straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just XXXX points is outrageous but I never advanced with the XXXX years been timely. Please help me this feels unethical wrong.

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 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Weltman, Weinberg & Reis Co., LPA is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. Without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ), they have violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Ac ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Weltman, Weinberg & Reis Co., LPA to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: GA

Complaint narrative:
As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, XXXX, and Experian in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXX  XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) DateXXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.

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 2023-06-14 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: FL

Complaint narrative:
i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXXXXXX XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) Date:XXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately.

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello, I sent the credit bureau " Transunion '' asking them to verify the debt on my report, and they have sent back stating that everything has been verified correctly. My credit report is still showing inaccuracies. 

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. 


Collection Account number 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 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/2023 someone opened a line of credit for {$4000.00} in my name and has already used {$3500.00}. It was approved through citizens XXXX of credit. Through one citizens bank way. I am not the one who applied for this. I have called the company and filed a complaint I have also spoke with the XXXX XXXX XXXX and filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Despite Wells Fargo being told countless times that my Step Father XXXX XXXX hasnt been seen or heard from and do not reside at this address they continue to harass me and calls here for him anyway and this evening someone name XXXX called here from XXXX XXXX XXXX demanding to speak with XXXX XXXX and when I stated that he does live here she rudely hung up the phone. Now Im getting sick and tired of Wells Fargos XXXX because despite them already being notified of legal representation they keeps beating around the bush trying to set me up

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 2023-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Upon speaking to XXXX, my current student loan servicer, and the XXXX XXXX who confirmed the balances of my loans, and which servicer currently has them high, called Nelnet my prior student loan servicer and requested a refund of a loan payments on a loan that was closed and therefore not transferred to my current loan servicer XXXX. This triggered a supervisory escalation since the customer service representative was unfamiliar with how to handle this situation the customer service representative who was the pod leader XXXX informed me that nelnet has a informal internal policy to deny refunds to accounts that are closed and paid in full since they do not want to deal with the transfer to new servicers. I have made multiple voluntary payments after XX/XX/2020 that should be eligible for refunds towards this loan that is currently closed with Nelnet and due to a internal policy they are telling me that they can escalate it. However, it will be denied due to their policy of not refunding loans that are eligible for a refund simply because they are off the books. This was done on a recorded line.

Company response to consumer: Closed with explanation