vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I asked the credit bureau Experian, to do a Verification on everything on my credit report and they stated everything was accurate and I did a thorough research myself and found improper inaccuracies on the credit report even after they did a thorough research. In accordance with the Fair Credit Reporting Act All the accounts I have listed below have 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 an account without my written instructions. XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received a letter from XXXX, XXXX, and XXXX regarding an alleged debt that I owed. I sent them a letter on XX/XX/2023 asking them for information, proof, and to dispute the alleged debt. I did not receive a response. I sent a second letter to XXXX, XXXX, and XXXX on XXXX XXXX asking them for information, proof, and to dispute the alleged debt. I again did not receive a response. I then sent letters to all three Credit Bureaus on XXXX XXXX asking them for assistance on verifying this alleged account to see how they verified this information since I was not able to reach them. On the XXXX of XXXX I then received letters from XXXX. XXXX provided statements of an alleged account that I have no idea what it is for. I still did not receive anything other than a bill to see how I was the person who owed this debt. 
Also this account is reporting inaccurately on all three credit bureaus. It is actually listed twice on my credit report as two separate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Inadequate response to complaint : XXXX Company closed complaint against my wishes and did not provide adequate answers.

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 2023-03-14 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: MO

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. 

The following has has violated my rights : Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX 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 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Didn't own that account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CA

Complaint narrative:
As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an amex account where my children have cards. On one of my young adult/college daughters account she attempted to pay her bill. She made an error and tried to correct it. The system said her payments were cancelled but the payments were not cancelled and the payment was not paid by her bank. The payment was attempted again the next day and the payments were covered. Amex froze all of my personal account for an account that 1. was not the primary account holders account for over 10 days AFTER being paid for XXXX, 2. I was charged XXXX for XXXX which seems unreasonable considering the account was not the primary account and the attempts to cancel the error was not honored by amex. 3. amex customer service would not resolve the issue with me and said they could not remove the hold even if the payment was covered. 

There is no agreement I have with Amex that states that they can uncancel a payment and use secondary card payments the account to freeze the entire account. They never sent a notification that the account was on hold and why. They have not provided any explanation why and how long the account would be put on hold. Currently it has been on hold indefinitely without explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
( I HAVE NOT BE ABLE TO OBTAIN A VALID CREDIT SCORE IN OVER 60 DAYS FROM YOUR COMPANY or any other bureau AND I PAY A MONTHLY MEMBERSHIP WITH YOUR COMPANY to have access to all of my credit scores )

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern I was on my XXXX XXXX and noticed a XXXX XXXX  I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. XXXX had said I would be updated to XXXX and equifax but never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern I was on my XXXX XXXX and noticed a XXXX XXXX  I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. XXXX had said I would be updated to experian and XXXX but never happened.

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 2023-03-14 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-03-16 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: DISCOVER BANK
State: FL

Complaint narrative:
I have called a few days ago asking discover a week ago to report my payment for XXXX cause their was no data for XXXX reporting my payment and today on XX/XX/XXXX I get notified that my balance went up for XXXX when I have not been late on any payment and by my reporting date being the XXXX of every month the last payment I made had my balance at {$0.00} when they were supposed to be only correcting the month of XXXX they wrecked my credit score by reporting my balance this month which I did not request for them to do now I have a big balance on my credit file reporting that shouldnt be there cause my actual reporting day is not until XX/XX/XXXX I am requesting that they bring my balance back to where it initially was ( {$0.00} ) until my normal scheduled reporting date takes affect and actually correct XXXX like initially spoken about over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I did not authorize and I do not recognize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My phone and card was stolen from me and they used it at a 3rd party atm and too XXXX out my account with 2 transactions back to back I put in this claim way in XX/XX/XXXX I have been waiting and have not got my money back or temporary credits. Its frustrating because I have been with this Bank of America since 2013. Over 10 years with not one penalty or claim in 10 years and not one spec of history of anything like this at all. Get my direct depotonto this account since forever. I dont kno whats going on but I trusted this back and been a loyal custumer this whole time and I have XXXX kids I cant afford for XXXX  to be taken and have to wait for since XXXX to even get a temporary credit while they investigate this is ridiculous I need help please

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 2023-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I went to a dealership in the XXXX called XXXX  XXXX XXXX price was {$18000.00} for my white XXXX XXXX XXXX that I still currently have for 3 years. Put down {$12000.00} when purchased. My credit sore at the time was poor so they insist that if you have someone else to put the car in their name I called my wife asked her she give me the ok. She sends me a picture of her Pennsylvania state ID card and social Security Number and ask whats your down payment I tell them {$12000.00} heres where it gets tricky for me, ok now they tells me we have the rest so I say ok happy about to get my new, used car. They have me in there for 6hours dont tell me anything any day dont worry your going to be on your way soon with your vehicle.. Im even more excited than they come to me 30 minutes later and ask can my wife come and sign the paperwork I called her and she couldnt so then I got a little upset plan down the drain thats when another 30 minutes waiting they take me on a ride let me know the car is fine hand me paperwork and my keys and say were all done.. So I look at the paperwork next day and I called the bank that gave me the loan ( Credit acceptance ) ask for my principal balance because I didnt understand why the vehicle bumped up so high they tells me the purchase price was XXXX XXXX XXXXXXXX which is not true at all then I asked why the rate is 23 % they said take it up with your dealership I go to the dealership and they tells me once the bank give them the money is nothing they can do take it up with the bank so I looked at it like I going to be difficult now.. so I kept the vehicle until this year I search the internet and finds credit acceptance being sued and for the same things Im having trouble with it was god sent I requested a payment history from XX/XX/XXXX - Current Im paying and been paying {$650.00} a month

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX. Certified letter sent to Experian on XX/XX/2023, regarding investigation of a 30-day late regarding : Account Name : XXXX XXXX  Account Number : XXXX XXXX. Received results from Experian that 30-day late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Experian.

3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account PAID AS AGREED. 
XXXX. Called Experian Disputes to obtain proof of verification of the 30-day late and did not receive.

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 2023-03-14 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: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo Return Mail Operations XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX Subject : We're responding to your concerns Case Number : XXXX The account number ending in Unknown verified as XXXX Consumer Financial Protection Bureau XXXX case number : 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