vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX Tracking Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In attempting to unfreeze an Experian credit report the company now forces consumers to create an account with the company instead of simply using the pin as before. This forces the consumer to agree to their XXXX  and subjects consumers to further marketing of it's products. They do offer a number to call for account services but it is nearly impossible to use due to technical glitches and the refusal to offer customer service agents help in correcting any issues or simply to say temporarily lift a freeze. I believe this " glitch '' is on purpose in order to force consumers to create ( even more ) accounts that they shouldn't need in order to simply remove a freeze. We froze our accounts after the XXXX data breach and now have to spend extra time dealing with these companies to who we NEVER gave permission to use our social security and other personal information about us. 
Regards, 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 2022-09-13 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened an ApplePay account in XX/XX/2022. Goldman Sachs keeps putting charges on the card ( {$4.00} monthly and {$29.00} once ) there is no description of any of the charges. I have yet to use the card. 

They told me the only way to pay is to give Goldman Sachs access to my bank account and have them take the money out. 

I have called multiple times and they will not mail me a physical statement. 

I finally got them to email me a bill. They emailed me a bill for {$9.00} that states that it is due XX/XX/2022. They reported me delinquent on XX/XX/2022. 

The charges on the card are all in dispute. Goldman Sachs is threating me with this mark on my perfect credit -- this is blackmail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: KY

Complaint narrative:
In XX/XX/2020 I traded in my vehicle financed through Carmax Auto Finance. I never missed a payment on that vehicle, but Carmax added daily finances charges of several hundred dollars after the dealership who sold me my new car paid off the Carmax loan and accepted my old vehicle as a trade. Even though I never missed a payment, Carmax counted me as 60 days past due over a couple of hundred dollars. Carmax closed my online portal, so I had no idea that I owed the money until it showed up on my credit report. I have contacted Carmax numerous times to explain what happened, and they said they will not remove the account they're calling " delinquent '' over a couple of hundred dollars. There is NO WAY I could possibly have known that between the time the dealership paid off my Carmax loan and when the account was closed, I was accruing additional charges. Please take this off my report. I think the pandemic played a big role here as well, because the dealership said that the mail/payoff check to Carmax might have been delayed for a few days. I have attached proof that I paid all of the loans on time. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I was the victim of a scam which started by me replying to an email which was fraudulent. 

I ended up sending a wire transfer of {$97000.00} from my branch bank at Wells Fargo to XXXX in New York. The actual recipient of the transfer was in XXXX. He was an XXXX Account XXXX XXXX XXXX XXXX XXXX 

My complaint is how Wells Fargo has handled this whole thing. Within 30 to 45 minutes after I was at my bank authorizing the wire transfer, I realized I had been scammed. I called Wells Fargo Bank Fraud Department and reported what had happened and told them not to send the money -- that it was a scam. At that point in time, they couldn't tell me if the money had been sent. Part of the scam was that the scammer had access to viewing my screen and getting into my bank accounts. He transferred money from one of my accounts to another in order to cover the wire transfer. I did not know he was seeing my online banking and I did not give him authorization to transfer money from one account to another. 

Since then I have contacted W F B XXXX Department several times, have gone into the bank. I have not been given any correct information about when the wire transfer was actually sent ( date and time. ) I'm not sure what you can do, but friends recommended I make a complaint with you. 

Thank you. 
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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The homeowner was approved for Maryland Homeowners Assistance Fund ( MDHAF ) assistance sufficient to cure the entire default with PHH Mortgage in XX/XX/2022. This payment was sent to them via certified mail and they signed for it, but they still have not found it. A copy of the HAF award letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX bankruptcy has been dismissed & closed since XXXX and was unauthorized to use ... my information was disclosed publicly without my consent used in determining my public records & banking / lending process based off inaccurately reporting on all 3 bureaus... i have freeze on my social on all 3 bureaus /XXXX XXXX so therefore this info shouldnt be publicly given r disclosed without my consent... please investigate and send correspondence to my email XXXX XXXXXXXX ... ive disputed 3/4xs this year n made complaints to bureaus nothing is done...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Professional Placement Services, LLC
State: WI

Complaint narrative:
Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. XXXX points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXXXXXX, and XXXX This has caused me great XXXX stress, and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXXXXXX XXXX XXXXXXXX, and XXXX This has caused me great XXXX, stress, and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a Chime account with around {$200.00} in it. I had a negative balance on my Credit Union checking account and used my Chime account to transfer funds to bring it out of negative balance. On XX/XX/2022 i sent {$40.00} from my chime checking account to my Credit Union checking account to bring it out of negative balance. My bank declined the transaction because I was suppose to send the money to my savings account instead of my checking to remove the negative balance. Chime suspended my account because my bank declined the mistake i made. When I contacted Chime they asked for documents to prove any suspicious activity. After giving them the documents they never unsuspended my account. I contacted them again just for them to tell me to send the same documents again. After the second time I got the same repeat email about sending the same documents. I call Chime a few times only to be told they cant do anything. I asked them to close my account and send me my money by check and they told me they cant until i send the same documents again. Chime is sending people in circle just to keep people money and it seems like they are using this money for something else maybe investing or something illegal and thats why they keep people money without returning or until they can pay you back it is a shame these companies are allowed to operate like this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I asked the credit reporting agencies XXXX, XXXX and Transunion to do a verification of my credit report in XX/XX/2022 in which they completed, the companies stated that everything was accurate. Upon thoroughly reviewing my credit report myself I found improper inaccuracies even after the bureaus completed their research. Such as identity verification, date opened, this account is also showing open although placed for collection which is a violation. 


Account : XXXX XXXX XXXX XXXX  Creditor : XXXX Acct XXXX : XXXX In accordance to the Fair Credit Reporting act I XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
XXXX XXXX has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. XXXX XXXX XXXX  has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: CA

Complaint narrative:
I got my purse stolen that had my wallet phone I'd ss etc in it from my car. I did not report it right away because I was unaware. I had become sick with XXXX  and became extremely ill. When I realized what happened I filed a police report and called to report my card missing g and file disputes. All my disputes were denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remo
ve because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



Account : XXXX XXXX XXXX XXXX  Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX Inquiry Date : XXXX Account : XXXX XXXX - XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Account : XXXX  XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My original case number XXXX was closed ; however I don't think this is fair because I have not been able to speak with anyone at Bank of America and was told that someone would contact me. I received an email from XXXX XXXX / XXXX XXXX at BOA stating that he would need to speak with me and he called me once while I was in class and I asked him to call me back after XXXX and he never did. I called several times in addition to sending several emails going back to XX/XX/XXXX. I even spoke to someone else that said she saw XXXX XXXX in the directory so he did in fact work there and she would send him a message and still nothing. I can 100 % confirm that I did not make this transaction and would like to see all of the proof that BOA has showing that this was done from my phone because I guarantee it was not. I am bothered that nobody has contacted me, asked for documentation or have sent me any documentation proving my case ; instead they go silent and just close the case. That's not fair to me. This is FRAUD and I need help.

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