vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX shows multiple lates which a direct violation of FCRA USC 15 USC 1681b permissable purpose of a consumer 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 2023-04-18 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: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that 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 2023-04-18 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: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I tried to make a purchase using my account and was told by the retailer that I was on a hold with the bank and they transferred me to the bank. Bank originally said my account was suspended pending review, I asked repeatedly why it was being review without receiving an answer. I asked to be transferred to a supervisor, who then informed me that the account was actually closed. I asked why it was closed and I was told it was fraud. They stated that I had been sent a letter informing me of the fraud, and that it was closed because I hadn't replied to the letter. I was also told that in order to make the purchase, I needed to reapply and open a new account. I then asked to speak with the complaint department, and instead was sent to a different customer service person who reiterated the exact same information. Nobody at any point was able to tell me why it was closed other than " fraud '', and nobody had any more information. I was told that it was handled by a different department. I asked to be transferred to that department, but was told they were unable to transfer there. I then asked if they had a phone number I could call, but they said they did not. There was no way to contact the department that supposedly make the decisions to close accounts. I then was transferred again, this time to the complaint department after requesting to speak to them. They took my information, and I asked why I hadn't received a phone call. They stated that they sent one letter in XXXX, and then closed my account today. ( which I pointed out is very coincidental considering I was trying to use my card today for the first time ) I am complaining because I only had one attempted contact, via mail, which I never received. They then closed my account with no notice, and no other attempts to contact me by phone or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I initiated a student loan refund request with Nelnet for the payments made during the eligible period covered by the COVID-19 payment pause, for the sum total of {$6100.00}. Nelnet later informed me that my refund request had been approved, and the loan balance was reinstated on my account. However, I never received the check. I understood that things were delayed, so I waited. No check arrived. On XX/XX/XXXX, I called to ensure that the check was on its way. I was told that the check had been mailed back in XXXX. I told the Nelnet representative that the check never arrived at my house, and asked them to do a stop check and reissue. I confirmed that the address they had for me was correct -- it was. The representative informed me that the check would be reissued. However no check arrived. Meanwhile the loan balance of {$6100.00} was sitting on my account. On XX/XX/XXXX, I called again, and was told that the request for a check reissue had never even made it to the " research department '' for investigation. I was told that the research department would be calling me within a few days to follow up with a few questions. No one ever called me. A week later, on XX/XX/XXXX, I called again, and was told once again that the request was likely waiting with the " research department ''. I asked if I could speak to the research department directly, and was told no. I asked if the representative could speak to them directly, and was told that the representatives in different departments are not allowed to directly contact each other at all. The research department has apparently been unresponsive to the customer service representatives, but no one is allowed to call them. I said that the next step for me would be to file an official complaint, because at that point they are saying that I owe them {$6800.00} which they never refunded to me, a loan balance which has been sitting on my account since XX/XX/XXXX and for which they refuse to do a simple stop check and reissue to remedy the lost check. Not only that, but they refuse to even submit the request to the proper department. They continue to say that they " are working on it '' but the request is going nowhere and not even being addressed by the people whose job it is to address it. Meanwhile this {$6100.00} debt balance is on my credit report yet I have not seen the refunded money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Expeian is illegally reporting late payments on my consumer report. I have tried over and over to get them to correct this nformation.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the company multiple times I just recently gotten email from them said it will be deleted but it has yet to be deleted im not sure what's going on I proof & document to support what im saying

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted the company multiple times I just recently gotten email from them said it will be deleted but it has yet to be deleted im not sure what's going on I proof & document to support what im saying

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
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 2023-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/22 I made a domestic wire transfer to a recipient of mine Name : XXXX XXXX in the amount of {$5200.00}. XXXX ID XXXX. But, my money was put on hold by Bank of America. However I have a chase bank account. When I tried to recall my funds back they never answered to the messages I sent them through my bank. My bank says they can't do anything until they respond. It's been 9 months that my money is with the bank. There's an ongoing inquiry. XXXX. and an ongoing case ID 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 2023-04-18 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In early XXXX, XXXX, we had two outgoing checks stolen from our mailbox. Our account is at XXXX Bank. Both checks were altered in amount and payee. One check was deposited in a temporary ( fraudulent ) account ) at another XXXX branch. XXXX promptly refunded our money within a couple of weeks. The other check ( # XXXX, XX/XX/XXXX, payee changed to " XXXX XXXX '' ) was deposited at a Wells Fargo branch, and funds transferred from our XXXX account. My bank assistant manager has been in contact with Wells Fargo at least monthly since XXXX, XXXX when we discovered the problem, and each time, she has been told that it is " being investigated '' - there has been no progress, and no indication on when we can expect an outcome. The issue was escalated to the XXXX " problems resolution '' office a few months ago. Two weeks ago, we received a formal communication from XXXX bank, informing us that if Wells Fargo does not respond in another 90 days, our complaint will be " closed '' and our funds lost. Our local XXXX bank branch, and our local police department tell me that there was a rash of mailbox thefts last year. 
CHECK WAS DEPOSITED TO WELLS FARGO ACCT # 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 explanation
Consumer complaint received 2023-04-18 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: UT

Complaint narrative:
Dear Wells Fargo Bank, Thank you for your response to my XXXX claim, but I would like to further discuss the denial of my claim. Your response states that the transactions were made through a secured online banking session by me or someone whom I gave authorization to. 

However, I would like to reiterate that I did not give anyone permission to make this payment, and I have filed a police report and even undergone a lie detector test to prove my innocence. Additionally, when I contacted the bank, I was informed that all the XXXX accounts that the money was sent to have been disabled and that I was not tied to any of the emails registered under their XXXX. 

This suggests that my personal information was leaked, leading to someone sending the money from my bank. I would appreciate it if you could investigate the recipients ' accounts and provide me with more information to help clear my name. Furthermore, I want to emphasize that when the claims specialist called me, they informed me that my account was logged in from Texas and XXXX, despite me living in XXXX, Utah. 

The fact that my account was accessed from locations I have never been to before suggests that my account was compromised. I immediately changed my account username and password after being informed of this. 

In your response, you also mentioned that there was a history that the device that made the disputed XXXX transaction dated back more than 60 days, and that the same device was used after I changed my username and password without the online fraud claim assistance center. 

However, this does not prove that my account was not compromised and the money was sent to a strange account, as I have never authorized such transactions before. I kindly request that you take my situation seriously and investigate this matter thoroughly. I believe that I am not at fault, and I should not be held liable for any unauthorized transactions. Please let me know what further information or documentation I can provide to support my claim and help resolve this matter. Thank you for your attention to this matter. 

In the new response, I was asked to contact the recipient and the recipient bank. I do not know the recipient and their bank because like I said this was an unauthorized transaction. Please give me a call or email discussing my options of recovering the funds or I would have no choice but to take legal action to do so. 

Sincerely, 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 2023-04-18 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: LA

Complaint narrative:
The attachments below shows that my credit score went down because of this collection. I received a letter also attached below stating that this collection was deleted but its still showing on my credit report. Also on the CFPB website it states that in 2023 any medical bill thats under {$500.00} cant be reported to consumer reports anymore.

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 2023-04-18 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: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services has been inaccurately reporting to my credit report and causing me duress. XXXX of XXXX, Westlake Financial Services added remarks to my account that the XXXX XXXX XXXX was repossessed however the XXXX XXXX XXXX still remains in my possession and my account is in good standing, it has not been repossessed. Because of their negligence and the inaccurate remarks added to my credit report my credit score has been severely impacted.

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 2023-04-18 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: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
Today at XXXX EST I received a phone call from a local area code. A robot named XXXX told me she was calling from a non profit company called Freedom Debt Relief and connected me with an agent. I asked him if they were indeed a non profit and he said no. I suggested they update their VRU and he ignored me, continuing with his sales script.

Company response to consumer: Closed with explanation