vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-25 00:00:00
Product: Credit reporting 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I AM AN XXXX MIDDLE CLASS WHO IS WORKING WITH A XXXX. I MADE AN MISTAKE ON MY LOSS AND PROFITS STATEMENTS AND I FILED FOR AN APPEAL. I RESPECTFULLY ASK THE COMPANY TO PLEASE ACCEPT MY CORRECTED LOSS AND PROFIT STATEMENTS. I MADE A MISTAKE. THIS IS MY FIRST TIME APPLYING FOR A LOAN ASSISTANCE PROGRAM. BASED ON MY INCOME I QUALIFY FOR ASSISTANCE. THIS LENDER IS OUT TO TAKE MY HOME AND WILL NOT WORK WITH ME. I FAXED THE DOCUMENTS YESTERDAY TO SPEED UP THE PROCESS. I PRAY FOR RELIEF.

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 2024-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
someone is using my information to try and purchase a car

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 2024-04-25 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
someone is using my information to try and purchase a car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I reviewed my credit report and noticed an account that was not reporting accurately. i had multiple late payments on an account that i was in fact paid on time. The consumer reporting agencias have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX  ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Earn XXXX miles

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed an account that was not reporting accurately. i had multiple late payments on an account that i was in fact paid on time. The consumer reporting agencias have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX  ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Earn XXXX miles

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I've requested three times to stop being contacted. I for almost XXXX years I still get automated phone calls XXXX times a week, sometimes XXXX daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a third complaint to the same issue as Wells Fargo closed my previous complaints without a resolution. Wells Fargo closed down my account without returning the funds to the original sender. Wells Fargo claimed that all XXXX transactions my mother XXXX XXXX sent me from XXXX ( XXXX XXXX ) were sent with receiver as XXXX XXXX? So my mother basically sent herself money to my account? Wells Fargo refused to give me my money and so we started the process of returning the funds. XXXX recalled all XXXX transactions, my mother even paid extra XXXX EUROS per recalled transaction and Wells Fargo managed to return only XXXX of them. I called pretty much every day to make sure Wells Fargo doesnt close the account until all the funds were transferred and they still did. I asked for extension and got denied last time? Why? Why didnt Wells Fargo just extend the closing date? To make sure all the funds were returned. Now, XXXX  months later Wells FargoXXXX  still has XXXX of the transactions {$8200.00}. Im calling and getting a different excuse/lie every time. Last time they closed down my case/complaint, they told me that the money is now available for the sender ( XXXX XXXX ) and that they are going to close my case, well, that was another lie. We spent another XXXX EUR to recall the funds from the senders bank and the bank ( XXXX  ) in XXXX is getting no response from WELLS FARGO AGAIN? Since day XXXX, Wells Fargo has been telling me that the easiest way to resolve all of this is to have my mother ( XXXX XXXX ) go to Wells Fargo branch with XXXX forms of ID and that will resolve everything instantly and the they will release the funds. That was impossible until yesterday as my mother XXXX XXXX lives in XXXX. My mother XXXX XXXX is visiting us now in USA and so I made and appointment and went with XXXX forms of ID from both of us and Wells Fargo still didnt release the funds??? How is that even possible or allowed???? We want our money back!

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 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I found on my credit report that National Credit Systems is incorrectly reporting a debt that I have no knowledge of. I requested verification and documents proving I owe the debt on XX/XX/2024. To this day, I have not received a response from this debt collector. This debt collector is acting in abuse by still reporting this debt to all XXXX  credit bureaus and has failed to respond to my formal dispute emailed to them on XX/XX/2024 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
they closed my account for who knows what reason.. ok fine whatever then weeks later they removed my online banking access preventing me from viewing my balance and paying my bill via app which is how I normally make my payments.. Going forward I have no reliable way to check my account balance and make payments and I have to call if I remember to make payment ... Today I called and they say im past due XXXX days I received no call.. no statement.. nothing.. Also there was fraduelenct charges on the account that had to be disputed and I got no response on that also.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed unauthorized, fraudulent, and inaccurate, information, accounts, on my report, I also was alerted by MY FICO and XXXX XXXX my information was exposed and compromised and I was a victim of the XXXX Data Breachand on the dark web for fraudulent this information is hindering my ability to obtain credit. In accordance with FCRA 15 USC 1681 I am requesting to have this information removed from all three of my credit reports with XXXX, trans union, and XXXX within a reasonable amount of time.

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 2024-04-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed unauthorized, fraudulent, and inaccurate, information, accounts, on my report, I also was alerted by MY FICO and XXXX XXXX my information was exposed and compromised and I was a victim of the Equifax XXXX Breachand on the dark web for fraudulent this information is hindering my ability to obtain credit. In accordance with FCRA 15 USC 1681 I am requesting to have this information removed from all three of my credit reports with Equifax, XXXX XXXX, and XXXX within a reasonable amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 
15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. It has been XXXX days and you are in XXXX of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in XXXX XXXX XXXX XXXX XXXX XXXX a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 
15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: GA

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 XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I AM A DISABLE MIDDLE CLASS WORKING US CITIZEN. I AM A FRONTLINE WORKER WHO IS WORKING WITH A DIS ABILITY. I MADE AN MISTAKE ON MY LOSS AND PROFITS STATEMENTS. I REACH OUT TO LENDER AND I WAS TOLD THAT THEY COULDNT GIVE THE UNDERWRITER THE CORRECTED LOSS AND PROFIT STATEMENTS WITH MY LETTER OF EXPLANATION. WHY WAS I TOLD THE APPLICATION HAD TO BE DENIED FIRST BEFORE THEY CORRECTED ON THEIR END. I QUALIFY FOR A PROGRAM BASED ON MY INCOME FOR MY BUSINESS. I AM BEING DISCRAMNATED BY THIS COMPANY. THEY WANT MY HOUSE AND I PRAY I LOOSE IT. I AM ONLY ASKING FOR THE LENDER TO ACCEPT MY CORRECTED LOSS AND PROFITS STATEMENTS BEFORE MAKING A DECISION. I PRAY FOR RELIEF!!!

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc.
State: FL

Complaint narrative:
First, they cancelled my credit card with no forewaning that the service would be interrupted due to them changing the product, that Id be required to PURCHASE if I wanted to remain a customer. Then, I purchased the credit building service, under the impression that it would immediately reflect on my credit reports, boosting my scores with all 3 bureaus. It did not! After I had spent over {$180.00} for 2 months, with no results, I requested a refund, which I never got. I requested to cancel the account, which they did not grant. They fraudulently continued to attempt to charge my bank account for a service that I was not receiving results from, which then resulted in the overdrafting of my checking account. My credit union has since closed my account because of a negative account balance, directly charged from XXXX and is now reporting negatively on my credit report and is still due. XXXX has since STILL been attempting to bill this card and I have the notifications to prove it. It has not stopped and its been already 30 days that my checking account has been closed, which speaks volume to the predatory practices they are implementing through their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I ask for a cashiers check from my personal checking account. I did not have the plastic card but have my identification document, other credit and debit cards available. I was also able to login into the bank app. The cashiers check was of XXXX. The funds available in that account surpass the cashiers check amount.

The bank teller got documents and were able to confirm my identity however they said the system should send me a notification on my phone. Which didn't happened. So the bank teller said they can not provide the cashiers check.

They asked me to try on their ATM using the digital wallet where I installed the debit card. It asked for my pin and it didn't allowed me to withdraw too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to the bar with my friends last weekend XXXX XXXX XXXXXX/XX/year> ) and ordered XXXX drinks from the front bar at XXXX XXXX. I got there around XXXX. The first drink was a vodka cranberry, and it was {$10.00}. I tipped {$2.00}. This should have been {$12.00} total, but my card was charged for {$20.00}. I ordered another vodka drink, which was then {$13.00}. I tipped {$0.00} on this one, and yet I was charged {$23.00} when I checked my card a couple days later. This is clearly a case of the bartender changing the tip on my receipt and they were not very friendly either. I filed a charge back with my credit card and I plan on calling the business later today when they are open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
I messaged cash app after my stocks were illegally sold without my permission. I assumed I had been hacked and found out my account was closed for a violation of Tos.

I had not been logged into cash app for over a year now and can prove I have not. I had tried multiple times thourgh out the day to get the steps of an appeal process. However have been meet with we can not help you further on this issue. I called today as directed by the chat specialist and got the same answer. I am unsure how someone whose never logged in or used the funds or have been paid by anything that violated there tos or fair use procedures. I should not be in trouble or have my things illegally sold when I am not logging in every day.I should also be able to easily find the appeal process for something like this.

Company response to consumer: Closed with explanation