vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Credit Acceptance agreed to let me skip a payment. Then they put me being late 5 times on my XXXX, XXXX, and Experian acts. This is not fair to me I never would have skipped a payment if I knew this was a result. I asked them to remove it they would not. I have not ever been late on this acct

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I want these inquiries deleted I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account with Credit Bureuas. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being.

I request the following : Immediate and effective action to remove the fraudulent items from my account.

Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX Owed : {$420.00} XXXX & XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX Balance Owed XXXX {$460.00}.

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 2023-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband and I believe that we were victims of predatory mortgage scams under Wells Fargo.for our home we purchased in XXXX in XXXX XXXX XXXX 

Due to financial hardship in XXXX due to medical bills, we requested a payment arrangement and asked for lower interest rate. We were informed that our rate was fair market value for our neighbors. We found later that we were paying me on our property thsn homrs with almost 50 % mark up higher than our home When we relocated to Texas in XXXX, we were forced to foreclose

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I paid Lexington Law firm for almost XXXX to get them to help with these negative items on my reporting. I told the truth and had evidence and still had to pay almost {$200.00} to get started and each month a payment of XXXX. I was told they would start right away and desput the issues. Well I stopped receiving services because I couldn't afford to keep paying the amount they told me each month. So I had to try and find another company where I also paid upfront to get started which was XXXX and a total of over XXXX a month. I didn't receive services cause I don't pay XXXX to them. All this was back in XXXX  and I know the amount said owed on my report is no correct. I need a trusted company that would actually help instead of putting me more in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Im a victim of my bank of American savings and checking accounts

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I want these inquiries deleted I did not authorize these companies to run my credit

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account with Credit Bureuas. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account. 
Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX my account was charged two fees, {$40.00} and {$18.00} even though I did not do anything to be assessed any fees. Please reverse these fees. I opened this account under a promotion for a {$1000.00} bonus and I need to make sure this error does not affect me receiving the bonus. Please fix and address this. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been continuously receiving calls from Portfolio Recovery. In just this past week, they have contacted me twice in an attempt to collect an alleged debt. I have responded to their calls, kindly asking them to cease calling, as their calls are disruptive while I am at work. I have urged them to stop. However, they persist. 

Upon reviewing my consumer report, I have noticed that they are reporting inaccurate information, which is causing significant disruption to my consumer report and the quality of my life. My credit score has experienced a substantial drop as a result. As of XXXX, on XX/XX/2023, they are reporting that I allegedly owe {$720.00} on my consumer report. This alleged debt is falsely reporting as a collection on both my XXXX and XXXX reports. In addtion there are iinaccuracies with the way the creditor is reporting. My XXXX consumer report is reporting the collection under the name Portfolio Recovery with an open balance of {$720.00} openend on XXXX on my XXXX Consumer report, the alleged debt is repoerting on my consumer report as Portfolio Recovery A, so two different companies reporting the same amount is not right. 

I am choosing not to engage in discussions with them, primarily because I am uncertain about how they obtained my personal information. 

I would like to resolve this situation amicably and fairly, and I kindly request your assistance in achieving this outcome. 

Portfolio Recovery seems to be violating my rights as a consumer in accordance to the consumer credit laws. 

XXXX. They are in violation of 15 Us Code 1692d- harassment by calling my personal phone number whilist I am in the middle of my work day, casuing mulptile disruptions throughout my work week.

2.They are in violation of 15 U.S. Code 1692 ( g ) As I have not received any validation of debt to prove I owe this alleged debt to Portfolio Recovery Associates .

3.What they are doing I will be filing an FTC report and submitting as this is identity theft. I never once gave consent to verbally or written for them to report this transaction that is currentl showing on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was sending the correspondence ( bills ) to the wrong address and reported me to the credit bureau as delinquent causing my credit score to go from a XXXX to a XXXX. How is it my fault when they were the once responsible for the error??? XXXX XXXX ( the company I got the loan through ) had all my information correct as it was given to Wells Fargo, they input the wrong address and punished me for their error. I want my credit score returned to what it was.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried several time to have the information on this account be updated. I am not disputing the fact that the XXXX XXXXXXXX XXXX  account does not belong to me. I am disputing the fact that it is reporting as delinquent. The account was paid in full and the remarks on the account is reporting as charge off the account should report as paid in full also it is reporting a high balance of {$360.00} this is also incorrect, the account is also reporting transferred/sold this is incorrect.

Company response to consumer: Closed with non-monetary relief