vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: GA

Complaint narrative:
XXXX, XXXX, Transunion, XXXX XXXX has disclosed my personal information without my verbal or written consent. XXXX XXXX has closed my account without written or verbal consent on a account that was current, recently at the time had gotten a credit increase and was not notified of account being closed until after they closed my account. XXXX XXXX, XXXX XXXX XXXX has lowered my credit limit due to what has been reported by another creditor which I have not given them verbal nor written to lower my credit limit. This is causing great harm and hardship to myself and family. To the creditor reporting agencies, I have sent dispute letters and advising them of fraud and Identity theft. My credit score has gone from XXXX down to XXXX!! All due to Fraud and Identity Theft. I have contacted XXXX XXXX on the phone and sent them a letter of dispute stating fraud and identity theft certified in XX/XX/2022. I called XXXX XXXX on phone after the app advised me, I was limited on credit, and they advised that my limit was decreased due what was disclosed from another creditor. I advised them verbally that that they did not receive anything from myself requesting a decrease verbally or written and that was identity fraud. This is against my privacy and information that has been report is inaccurate. I have contacted the IRS.GOV and gotten a 9-digit pin as well as put in an Identity theft with FTC.GOV

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 2022-11-17 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:
XXXX, Equifax, XXXX, XXXX XXXX has disclosed my personal information without my verbal or written consent. XXXX XXXX has closed my account without written or verbal consent on a account that was current, recently at the time had gotten a credit increase and was not notified of account being closed until after they closed my account. XXXX XXXX, XXXX XXXX XXXX has lowered my credit limit due to what has been reported by another creditor which I have not given them verbal nor written to lower my credit limit. This is causing great harm and hardship to myself and family. To the creditor reporting agencies, I have sent dispute letters and advising them of fraud and Identity theft. My credit score has gone from XXXX down to XXXX!! All due to Fraud and Identity Theft. I have contacted XXXX XXXX on the phone and sent them a letter of dispute stating fraud and identity theft certified in XX/XX/2022. I called XXXX XXXX on phone after the app advised me, I was limited on credit, and they advised that my limit was decreased due what was disclosed from another creditor. I advised them verbally that that they did not receive anything from myself requesting a decrease verbally or written and that was identity fraud. This is against my privacy and information that has been report is inaccurate. I have contacted the IRS.GOV and gotten a 9-digit pin as well as put in an Identity theft with FTC.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX 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 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 ) ( a ) 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 2022-11-17 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: NJ

Complaint narrative:
Based on new information I would like you to reinvestigate complaint XXXX. As they responded in some instances they are able to determine if the disputed information can be changed or delete without having to contact the furnisher. I asking toto invoke this procedure in this dispute. 

Please see 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 2022-11-17 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: MD

Complaint narrative:
EXPERIAN IS CONTINUING TO REPORT FALSE INFORMATION ON MY CREDIT REPORT. I ONLY HAVE ONE ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. ANY OTHER ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS. ANY OTHER ADDRESS IS INCORRECT AND NEED TO BE DELETED.

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 2022-11-17 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: IL

Complaint narrative:
I applied for a credit card from XXXX XXXX  
Once I had access to XXXX XXXX on line ( your XXXX from TransUnion ), I saw that Trans Union reported that I filed a XXXX on XX/XX/XXXX. That is not correct. 
I just checked ; it still shows that. 

I did file one in XX/XX/XXXX, which shows correctly on my Trans Union credit profile. 
But date provided to XXXX XXXX is wrong. 

I contacted Trans Union twice, language barrier was tremendous. How am I supposed to discuss matters as serious as credit report with someone who has no idea what I'm talking about!! How are these companies allowed to do that? Trans Union did nothing to help me. 

Trans Union reference number provided by XXXX XXXX is : 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 non-monetary relief
Consumer complaint received 2022-11-17 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
On closing date of XX/XX/XXXX the XXXX Credit card company billing statement shown I had a {$350.00} balance. This was after thorough investigation about disputed items. I called about the timing of the actions which was related by XXXX XXXX, the XXXX XXXX XXXX of customer experience in her response to my former complaint. I have not used the card since XXXX of XXXX and the card balances have been going up instead of depleting. I have been paying on the card since XX/XX/XXXX and dont see how its balance over {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: GA

Complaint narrative:
These Items have been inquired without my permission. 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 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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The company, Wells Fargo, was not applying payments to the correct account. This caused an overpayment of over {$5000.00}. Over {$9000.00} in total mis applied payments. Wells Fargo is now refusing to provide interest on the money, and they want to continue to hold it while they do another 30 day investigation, after the first 14 day investigation found our missing money. Wells Fargo had no problem accepting the money, but when trying to apply it to the proper account they found difficulty. How is this the consumers problem, if they can not apply a payment, return it. 
In attempting to obtain my money and possible interest, I was met with an extremely XXXX individual XXXX, who did no research on the account and started the conversation with assumptions. 
Had XXXX read the file, he could see this had been escalated an investigation was already completed by XXXX in XXXX office. Wells Fargo had retroactively applied the missing payments and refunded interest due, as they should have. That part was handled. Even if it wasn't the same investigation that needed to be completed, XXXX failed to read account notes and treat me with dignity. XXXX attempted to make me feel like a criminal because Wells Fargo failed to apply the payment to the correct account. He went as far as suggesting I am laundering money. Completely unacceptable situation to put a consumer in for his failing to read a file. He was given the opportunity to apologize and read the file and come back to the line, but he did not think that was needed as he wanted to continue on with ignorance, claiming I am escalating the situation. 
Frankly he is the cause of this complaint, I had worked with Wells Fargo for months until this individual just went to far. 

Side note : If a " new '' 30 day investigation is required to refund my " over payment '' because I could be laundering money, why would they let me spend it on purchases?

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 2022-11-17 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account 's that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 


15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX 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 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 ) ( a ) 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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
My checking and savings accounts were looted and over a XXXX XXXX  XXXX dollars is missing. The bank puts me through exhaustive processes for each disputed transaction and there are about a hundred transactions. The bank is Santander XXXX XXXXXXXX XXXX I am elderly and in bad health and can not take the exhaustive hours at the bank. The bank agreed to allow my son access to the account to resolve the issues once he had power of attorney. However once the power of attorney documents were presented to the bank they refused to honor the deal. The bank is attempting to sweep this under the rug. 

Please help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
This XXXX XXXX is currently showing 30 days late way back XX/XX/XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX  XXXX XXXX Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was fraudulently charged twice for a transaction in the amount of {$220.00} on XXXX. I tried calling the merchant and dealing with the bank but I keep getting the run around no one is willing to help me. I have been a loyal customer to Wells Fargo for 20 years and I would expect better customer service.

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 2022-11-17 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: NM

Complaint narrative:
The most recent report was made on XX/XX/2022. 
In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act as a military family they have violated the SCRA ACT as well. Due to the hardship resulting from it the incomplete BILLING ERROR reported on the TRANSUNION CREDIT REPORT by XXXX XXXXXXXX XXXX  # XXXX The billing error is Status 30 days past due Status updated XX/XX/2022, Balance {$1200.00},.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NM

Complaint narrative:
The most recent report was made on XX/XX/2022. 
In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act as a military family they have violated the SCRA ACT as well. Due to the hardship resulting from it the incomplete BILLING ERROR reported on the XXXXXXXX XXXX XXXXXXXX  by XXXX XXXX ACCT # XXXX The billing error is Status 30 days past due Status updated XX/XX/2022, Balance {$1200.00},.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: CA

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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

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

XXXX XXXX. XXXX ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A.
State: CA

Complaint narrative:
The day before yesterday, I received a PNC BANK debit card that I didn't apply for by mail, so I think someone stole my personal information and opened an account on PNC BANK. So, I made several phone claims to PNC Bank, but they didn't accept my personal information wrong, so I'm so worried that I'd like to report it. Debit card # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is to inform you that I sent money to the following number and email XXXX XXXX. After sending these transactions the beneficiary didnt receive the money into his account but only received a text message just like that in the attachment shown. I filed a compliant with Bank of America the company involved with sending and receiving the amount and they rejected my claim stating that the money was sent and we can not provide you the above claim of {$100.00} and the claim number being 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