vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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:
My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. 

This is being reported on my my XXXX XXXX XXXX 's account as well as my XXXX XXXX XXXX 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 2022-06-07 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX 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

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 2022-06-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my XXXX Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the BK was filed. The account had already been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Looked at credit report on XXXX XXXX XXXX it showed i had a debit in collections from Midland Credit Management whom i do not know. I clicked on that & it said the original creditor was XXXX XXXX XXXX  ( NEVER heard of ). It is a Balance of {$290.00} but i don't feel as this is my debt & should not have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitting Personal Statement is notoriously difficult by design.

Deliberate and systemic system to keep credit scores low for the benefit of banks and lending partners. 
Malicious compliance.

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 2022-06-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute was submitted by mail XX/XX/2022 but response was not received. One account with {$0.00} balance has not been updated. Since it has been past the 30 days, the late payment must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My XXXX  credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

CBNA is reporting this on my Home Depot card account and my CITI Card 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 explanation
Consumer complaint received 2022-06-07 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:
My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

XXXX is reporting this on my XXXX XXXX card account and my XXXX XXXX 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 explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I had a vehicle that ended up being repossessed however XXXX XXXX XXXX has failed to provide the requested validation of the alleged balance owed. I am not debating whether or not the car was repossessed but based on the repossession laws of my state, I should've been sent a Notice of my right to redeem the car as well as a Notice of what the lender intends to do with car and whether or not the car will be sold at a public sale. I did not receive either of those notices nor was the balance owed adjusted if the car was sold. 

The inaccurate reporting of this account is severely damaging my credit and I would like to have it remedied as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: FL

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 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 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 2022-06-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitting Personal Statement is notoriously difficult by design.

Deliberate and systemic system to keep credit scores low for the benefit of banks and lending partners. 
Malicious compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We received a letter from WellsFargo 12months after opening the account that we needed to resolve an error on the account. I contact the local office and they notified us we needed to come into the office to update my Daughters Social Security Number. We did this on XX/XX/XXXX. I received a second letter and I called the local office on XX/XX/XXXX questioning why I received a second letter. On XX/XX/XXXX the called me back to notify me they had contacted their back office and the issue was resolved. Now on XXXX with no additional notice or warning they closed her accounts and froze the money. I have called the corporate office and they have escalated the issue as high as possible and that they can not do anything at this time. My Daughters is on vacation and her debt card is her only access to money. I was told me they will respond in 10 days. I called the local office and they told me i did everything they felt I needed to do and are not sure why it is closed. They contacted the back office and they are now requiring additional documentation that is not available and will not except any other documentation. They want a social security card that is lost and will not except a signed w9. I am in the financial industry and w9 for social security correction is standard process. They told me with out this they can not do anything. the best they can do is follow up in 48hrs.

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 monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never authorized Equifax to put a fraud alert on my account. I called and did the verification and they were supposed to remove the fraud alert from my account. They did not. I called again XX/XX/2022 and the agent laughed at me and hung up. Any trace of a fraud alert must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Opened a checking account and setup to transfer my direct deposit from social security. Made two deposits by check, but realized it was from an old closed account. Called Wells Fargo ( " WF '' ) customer care and was told them about the mistake and was told not to worry just make new deposits. The next day ( XX/XX/22 ) I received an email from WF stating they were closing my account. I told them what happened and they told me go to a local branch to resolve the matter. I should them proof it was an error, but WF still closed the account. I spend a lot of time opening the account and transferring a direct deposit. I feel like I was discriminated against because I made an innocent error. I have done business with several banks and never experience a problem like this. For example, XXXX XXXX, XXXX XXXX, etc. I am a XXXX  veteran and it would have been helpful to have a bank close to my home. This was no way to treat a customer especially a XXXX veteran.

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 monetary relief
Consumer complaint received 2022-06-07 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: TX

Complaint narrative:
This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my XXXX Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the XXXX was filed. The account had already been closed.

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 2022-06-07 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 account was closed by the credit provider in XX/XX/XXXX and has reported activity on my Experian Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the XXXX was filed. The account had already been closed.

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 2022-06-07 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: FL

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX 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.

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 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
COMPANY REPORTED THIS ITEM AS A LINE OF CREDIT DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL LLC, for committing identity theft. I have never given SPRING OAKS CAPITAL LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with SPRING OAKS CAPITAL LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SPRING OAKS CAPITAL LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from SPRING OAKS CAPITAL LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL LLC, continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX XXXX using my Comenity Capital Bank Credit Card # XXXX XXXX XXXX XXXX. I paid Comenity {$1400.00} on XX/XX/XXXX from my bill pay checking account, the money was removed from my account XX/XX/XXXX, I paid my first bill on the credit card in full. Comenity sends me XXXX Bill of {$1400.00} plus interest amounting to {$1500.00}. Calling Comenity Bank did not help at all, I started documenting & sending certified letters. I sent my checking account statement showing money was removed on XX/XX/XXXX for XXXX. Comenity said they did not receive the money and to get a trace number from bank and open a comenity. net website about my account to expedite this situation. I got the tracer from my bank on XXXXand uploaded info to my comenity account. I contacted Comenity Customer Service on XX/XX/XXXX, I certified mailed documentation to Comenity and uploaded same on my account. I then see on my checking account on XX/XX/XXXX comenity credited my account to the amount of {$1400.00}. 
Then Comenity bills me {$1500.00} on XX/XX/XXXX. Clearly this amount is my original plus interest. So now I pay my original debt of XXXX to Comenity on XX/XX/XXXX and received a Confirmation 3 A XXXX. In closing I paid them originally XX/XX/XXXX, they claimed they never received it and wanted proof from my bank the transaction went through, which it did. Then they deposit my original debt into my account on XX/XX/XXXX. 
Then I pay on XX/XX/XXXX. 
Countless certified letters were meaningless, uploading documents to their website to my account were worthless. 
My last disputed letter I sent with documentation sent XX/XX/XXXX was responded on XX/XX/XXXX and attached was a letter dated XX/XX/XXXX which I never received stating they were never paid from my checking account on XX/XX/XXXX but they confirmed they my payment of XXXX on XX/XX/XXXX. 
I can't make this stuff up. 
I need to be vindicated from all said monies I owe Comenity Bank. 
I need to be vindicated to have a total clear record to credit card reporting companies since my credit rating went down a lot.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Good Afternoon, The first notice that I had been a subject of fraud was when I received a bank statement from Bank of America. Once I opened the statement address to me I called and reported the to BOA that the account was opened without my permission. While processing that information they found another account that had been opened in my name as well. They said that they would be conducting research to verify that the accounts wee open in error and without my consent.

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 2022-06-07 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 an account without my written instructions.

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