vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: NH

Complaint narrative:
During the home buying process is when we realized there was numerous false student loan accounts open under my name, and it seems to have stemmed from when XXXX did the switchover to XXXX. It looks like they copied my loan balances and never deleted them so now it shows as me owing around double than what I actually owe. Ive contacted XXXX myself several times and they dont show any accounts open with those balances - I only have 8 accounts open and the balances total exactly what they are supposed to on their end. I followed up with a call accompanied by xactus to help me with the process AGAIN, and they again told us these accounts did not exist. Ive tried to dispute these now multiple times through all 3 of the credit bureaus, some have been successful, others have not. Experian has now deleted the accounts, however theyve added the loan amounts from those deleted ones to my active ones, also still false reporting. Its getting super frustrating trying to buy a home and not having any information on my report be accurate. Could someone PLEASE address this extremely important issue as soon as possible? Oh and not to mention that XXXX false addresses listed under my account that Ive never seen or been associated with in my life- oh AND the multiple other phone numbers Ive never seen. Can we have some security here?

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 2023-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I has come to my attention that my account ending in XXXX was assessed a monthly maintenance fee of {$14.00} and taken from my account without my written permission XX/XX/23 and XX/XX/23. I have spoken to a representative over the phone and a representative in the mediation process for a different situation and have received no assistance in removing the monthly maintenance fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: GA

Complaint narrative:
I am writing a formal complaint about the financial distress and hassle I've been dealing with TRANSUNION, XXXX, and XXXX. I've been trying to get in touch with them to sort out some issues on my credit report, but it seems like they're completely ignoring me. I've sent them dispute letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023, but they haven't bothered to respond or do anything about it. This lack of response is not only super frustrating but also putting me in a tight spot financially. These inaccurate BANKRUPTCY reports on my credit report are making it ridiculously hard for me to apply for credit, loans, and other financial stuff. And guess what? I even got a letter from the Bankruptcy Court XXXX XXXX XXXX XXXX saying that they don't verify information to the credit reporting agency. How messed up is that? I really think it's time for the CFPB to step in and investigate how TRANSUNION, XXXX, and XXXX are handling things. They seriously need to be held accountable for their lack of response and take immediate action to fix the inaccuracies on my credit report. I've included copies of all the important documents, like my previous letters to TRANSUNION, XXXX, and XXXX, and that court letter. I'm sure this evidence will back up your investigation.

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 2023-07-19 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: GA

Complaint narrative:
I am writing a formal complaint about the financial distress and hassle I've been dealing with XXXX, EQUIFAX, and XXXX. I've been trying to get in touch with them to sort out some issues on my credit report, but it seems like they're completely ignoring me. I've sent them dispute letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023, but they haven't bothered to respond or do anything about it. This lack of response is not only super frustrating but also putting me in a tight spot financially. These inaccurate BANKRUPTCY reports on my credit report are making it ridiculously hard for me to apply for credit, loans, and other financial stuff. And guess what? I even got a letter from the Bankruptcy Court XXXX XXXX XXXX XXXX saying that they don't verify information to the credit reporting agency. How messed up is that? I really think it's time for the CFPB to step in and investigate how XXXX, EQUIFAX, and XXXX are handling things. They seriously need to be held accountable for their lack of response and take immediate action to fix the inaccuracies on my credit report. I've included copies of all the important documents, like my previous letters to XXXX, EQUIFAX, and XXXX, and that court letter. I'm sure this evidence will back up your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a Credit card with Wells Fargo. 
I took an offer for a 0 % Transfer check for {$5500.00} Well within the stated credit limit of {$6000.00} I deposited check into my XXXX checking to pay other cards. XXXX accepted check on XX/XX/2022 then on XX/XX/2022 the check was bounced for lack of funds!!! 

I didn realize what had occured, and did not get notice from XXXX ... except on monthly statement,,, that i did not check ( electronic ) Wells Fargo, continued to charge my account as if it had paid me the {$5500.00}. I have been making payments. 
Now, when I tried to get my electronic statement from XXXX or XXXX XXXX they dont have it!! They only showed my statement starting in XX/XX/2022 with a balance of the XXXX plus the upfront interest When I call them, I get disconnected after I demand the XXXX, XXXX and XX/XX/2022 statements. I did not make any other purchases with card .... still " owe over 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 2023-07-19 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-07-19 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: FL

Complaint narrative:
After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company XXXX XXXX XXXX XXXX is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!! This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading. XXXX XXXX XXXX XXXX XXXX XXXX company has directly violated law written by congress , please remove. Attached is also an article directly on this website CFPD talking about this companies false reporting tactics. Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
We have filed complaints each year about Select Portfolio Servicing not applying our payments in the past. 

This year we fell behind and tried to call them to pay our mortgage. On XX/XX/XXXX we inquired about reinstating our mortgage. They told us it would take {$7200.00} to reinstate our mortgage by XX/XX/XXXX. 

We tried to call today to pay the amount ( XX/XX/XXXX ) well before their deadline and they have now stated they will not take the payment. We have to wait until they give us a reinstatement amount which they gave us on XX/XX/XXXX which we have tried to pay. They are stalling until the date now to force us into foreclosure. We had a witness to this conversation who can sign an affidavit. The witness helped us modify our mortgage in XXXX and is a state agency that works to help people stay in their homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CO

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/2023 Synchrony Bank used phone number XXXX to call me regarding a past-due bill. At this time, I explained the them my situation and told them that I would make a payment as soon as I was able but that at that time I was not able to make a payment. I asked them to stop calling me during that call. On XX/XX/2023 they called me again regarding this debt. 

In addition, I was under the impression that they could not call me to speak with me about a particular debt for seven days after having a conversation about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I applied for three Private Student Loans through XXXX XXXX in XXXX, XXXX, and XXXX. 

A few years ago, about XXXX, XXXX XXXX left the student loan business and Firstmark Services became the servicer of my loans. 

I received notification from Firstmark in XXXX, while I was still in medical school, that my all of my loans had entered repayments because I had " exhausted in-school deferment. '' When I called and spoke to a representative of Firstmark Services, she did not know what this term meant. She placed me on ( lengthy ) hold three separate times in order to figure out what was going on. When she did provide an explanation, it was ill-explained and did not correlate with any of the terms in my original promissory note. 

I then called the XXXX XXXX Student Loan Department, who is the original provider of these loans now. They had never heard of " exhausting In-School Deferment, '' nor is it in any of their contracts. 

Firstmark is refusing to reconcile this, and says I must begin making ~ {$500.00} in monthly payments starting next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: CT

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these 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 non-monetary relief
Consumer complaint received 2023-07-19 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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company Transworld Systems , Inc is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!! 


This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading. 
TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX company has directly violated law written by congress , please remove. 

Attached is also an article directly on this website XXXX talking about this companies false reporting tactics. 

Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.

Company response to consumer: Closed with explanation