vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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 had my credit run yesterday for mortgage pre-approval and an address came up that is not mine. The address below does not belong to me or any of my associates ever. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been disputing this matter for over a year on both of my vehicles which where purchased through XXXX XXXX XXXX XXXX it been effectiving my credit score an business credit due to false info which Ive provided proof that the car was settled out as a total loss Ive submitted XXXX disputed with equifax XXXX with XXXX an once with XXXX my credit score should be in thee 700

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/ report says late fee over 90days. Account is paid off. 
Tried resolving this with the bank about late fees and the amount of time Ive called to have them work with me and still giving me late fees on my report. 
The account is closed and paid for in full.

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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX  and XXXX I was charged high exchange rate fees with no advance warning at the U.S. Bank XXXX branch ATM. In each transaction I requested {$1000.00} and was charged around {$60.00} ( 6 % ). This same ATM used to perform transactions straight in US dollars, while in these last 2 times it chose to do it in the foreign currency behind the international card I was using. It gave no warning what so ever about this choice. 
The branch advised me to call their 24-hour banking number, but neither of them were willing to help with the ATM issue. However the call center did confirm that it was U.S. Bank that charged me those fees. 
I'm looking to be reimbursed for these fees for a total amount of {$120.00}. 
I am not a U.S. Bank customer.

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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC
State: AL

Complaint narrative:
In a recent interaction with a debt collector from Valor Debt Collection, I experienced unprofessional and disrespectful behavior that I believe violates the Fair Debt Collection Practices Act ( FDCPA ) guidelines. The debt collector, who did not provide their name, asked me if I had a job in a condescending tone and then abruptly hung up the call, preventing me from discussing my situation as a XXXX veteran. This conduct not only demonstrated a lack of professionalism, but also constituted abusive practices prohibited under the FDCPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have reached out to all 3 credit bureaus to verify debt with the furnisher for the following companies : 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 ) I have not received original contract from either company to date. 

Dates of mailed letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Bank improperly denied my mortgage loan modifications, which has led to my home wrongfully being in foreclosure. Wells Fargo Bank has incorrectly denied my mortgage loan modification applications and miscalculated fees and other charges notwithstanding that I am a qualified borrower. 
Wells Fargo 's process for evaluating my loan modification applications was also affected by errors in the relevant calculation formulas. These errors resulted in an overstatement of the attorneys fees included in the calculation, which sometimes caused me as a qualified borrower not to be offered a loan modification. To date Wells Fargo has not addressed the error nor provide remediation to my mortgage account that experienced incorrect loss- mitigation outcomes, including wrongful foreclosure. 
Wells Fargo 's mortgage servicing operations experienced other errors that resulted in Wells Fargo assessing my mortgage unwarranted charges and fees, which include, failing to timely pay the appropriate amount of my property taxes; miscalculated the interest rate on my adjustable-rate mortgages and did not give me information about my ability to stop paying for expensive private mortgage insurance. Wells Fargo acts and practices has caused substantial injury to me.

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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
I had the same company attempting to collect from XXXX a few years back, while Im not certain if it is the same collection or a different one altogether, what I am sure of if that this debt does not belong to me. I have not had nor have any delinquent debts or services from XXXX. I have XXXX services and have had the same service for more than ten years. The previous attempt to collect on an invalid debt was proven not to be mine. 
I have only one cable account and that is at my residence in Indiana and is paid monthly from XXXX. And I was informed already that this isnt that. My guess is that I am once again a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
I have noticed that this account XXXXXXXX XXXX XXXX, is reporting as a collections account, but reporting as open with Transunion, and XXXX, this is a violation of the FCRA. I have not received any notifications regarding this disputed 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 2023-05-03 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: AZ

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-05-03 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Exeter Finance and XXXXXXXX XXXX, along with credit reporting agencies such as XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974.

Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXXXXXX XXXX and Exeter Finance whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from XXXX and Exeter Finance, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NJ

Complaint narrative:
XXXX XXXX and XXXXXXXX XXXX, along with credit reporting agencies such as Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974.

Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXXXXXX XXXX  and XXXX XXXX whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from XXXX and XXXX XXXX, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.

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 2023-05-03 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/23 my XXXX XXXX XXXX was charged for {$89.00} from a merchant we do not know and for a charge we did not incur. 

The charge was generated from the merchant using the XXXX XXXX on their XXXX. Since the charge is listed as contactless the XXXX XXXX fraud department refuses to investigate. 

We talked with a XXXX representative who said the charge looked suspicious and suspended the merchants account. However they said Capital One is responsible for contacting them to resolve the charge which Capital One refuses to do. 

We were able to obtain a receipt on this charge on the XXXX website. The company was listed as XXXX  whose address is on the third floor of an apartment building in XXXX XXXX XXXX. The receipt was in XXXX. No services were listed. It only stated a custom charge of XXXX. The receipt stated the charge occurred at XXXX XXXX on XX/XX/23. We were at our residence in XXXX XXXX at that time, no where near XXXX XXXXXXXX XXXX. 

We do not know where this merchant obtained our credit card information and are receiving no assistance from Capital One to investigate this fraud. Please assist us with getting Capital One to investigate. If this fraud is happening to us Im sure its happening to many others and it needs to be stopped. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 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: AR

Complaint narrative:
XXXX EQUIFAX AND XXXX ARE IN VIOLATION TITLE 15 US CODE 1681 1681 A 4 A CONSUMER 'S RIGHT TO PRIVACY 1681 B CRA 'S MUST FOLOW REASONABLE PROCEDURES. MUST BE FAIR AND EQUITABLE TO THE CONSUMER 15 USC 1692A INVASIOINS OF INDIVIDUAL PRIVACY PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS REPORTING ARE A VIOLATION OF MY RIGHT TO PRIVACY I HAVE A RIGHT TO PRIVACY THE UNAUTHORIZED WAY THESE ACCOUNTS HAVE BEEN BEING REPORTED IS NOT FAIR AND EQUITABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
Nelnet became the server of my student loans on XX/XX/XXXX and never reported to the credit reporting agencies that the loans were transferred in to them. Nelnet has never reported any of the accounts on my credit reports as paid in full. I've disputed these accounts with Nelnet as not being reported and had to email copies of my credit reports to them to show that they are still listed and being reported by the previous servicer XXXX. On XX/XX/XXXX, I was transferred to the Resolution Specialist XXXX who said she was the highest person in the company that I could speak to when asked for a supervisor " I'm the highest person you can talk to there is no one higher than me ''. XXXX said they Nelnet sent in a notice to the Credit Reporting Agencies each time I disputed it with them. " We sent the CRA 's notice that the accounts we paid in full '', I asked her how can they report an account that they never reported before since they were in suppression per the Depart of Education from XXXX  to XXXX " We weren't allowed to report anything during that time period and once that ended we reported to the CRA 's that the accounts were paid in full. So I asked her how can you report accounts as paid in full if Nelnet never reported them in the first place as being transferred from XXXX, and that Fedloan account numbers are not the same account numbers that Nelnet shows, she said " it doesn't work that way, I asked how can you report account paid if you never reported the accounts in the first place, that Nelnet has never been listed on my credit reports and that she can see what's reported on them since she had copies of them in front of her. She stated " Its up the CRA 's if they report what we sent them and correct it not Nelnet, so I asked again how can Nelnet report accounts paid on full if they never reported them in the beginning and that they had to have my permission to report them so they stated " you gave the Department of Education and its servicers permission to report them and I can send you a copy of them '', I stated to her if that's correct them send me written proof of what was submitted to the CRA 's, she stated " I can send you copies of the letter we sent you when you disputed with Nelnet, I said no send me proof of what you transmitted to the CRA 's, per FCRA I have a right to the procedures that were done to report these accounts to the CRA 's. She hung up on me because I got loud because she kept interrupting me as I talked and asked her questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
R S clark and associate is attempting to collect a debt from me the first complaint i filed RS Clark stated that i didnt give 60 day notice i am uploading the notice the leasing office of the XXXX XXXX XXXX their client was given by me and the ledger from XXXX XXXX XXXX that the whole lease was paid in full the last part of the lease was money paid by TEXAS RENT RELIEF to XXXX XXXX XXXX that amt was over XXXX i have requested from TEXAS RENT RElief copy of the email that was sent to me that TRR paid the lease off and money was sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
I have noticed that this account XXXX XXXX XXXX, is reporting as a collections account, but reporting as open with XXXX, and XXXX, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed that this account XXXX XXXX XXXX, is reporting as a collections account, but reporting as open with XXXX, and Experian, this is a violation of the FCRA. I have not received any notifications regarding this disputed 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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have reached out to all 3 credit bureaus to verify debt with the furnisher for the following companies : 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 I have not received original contract from either company to date. 

Dates of mailed letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
I have made a previous complaint under XXXX to XXXX of XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to XXXX XXXX XXXX XXXX and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXX of XXXX and this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: VA

Complaint narrative:
I received notice to my email that a Bank of America account had been opened. I received these messages at XXXX XXXX XXXX this morning. I did not open any new banking accounts recently. I tried to call the support and fraud numbers on their website to speak to a representative, but I kept getting stuck on the automated messages about providing the account numbers. I don't have them since I wasn't the one that opened it. I have emailed their fraud department and customer service this morning, but have yet to hear back from them.

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