vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX81-5 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 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: NC

Complaint narrative:
We have banked with Vystar Credit Union since 1984. XXXX we were notified that XXXX XXXX would be down from XX/XX/XXXX XX/XX/XXXX, online and mobile banking would be down the XXXX XXXX. We scheduled our bills through the end of XXXX. 

XX/XX/XXXX the system was not available and was down through the end of XXXX. Vystar sent emails stating the system was up for people to use on or about the XXXX. My husband and I spent hours that turned into days trying to log on and see what had transpired on our accounts over 3 weeks. I even sent an overnight letter to the office of the CEO explaining we could not log in and no one at Vystar was able to help with the page not found error we received everytime we tried sign on. The letter was sent on XX/XX/XXXX. No response has ever been received. Vystars senior management continued to send broadcast emails to everyone stating the system was up. There was no acknowledgement of the continued issues logging in or the fact that bill pay was not available. 

I reported the issues I was having to the news in XXXX. We live in North Carolina so the reporter interviewed me via XXXX. When XXXX XXXX XXXX reached out to Vystar to ask about the issues that continued to plague their customers, Vystar did not acknowledge the issues continued. The PR department just gave a pat statement that customers are able to log on. The reporter told me they knew there were still customers that could not sign in as some of their staff could not log on. 

My husband spent the day on XX/XX/XXXX trying to get assistance. After hours of being on hold the Vystar rep told my husband they would have someone from the IT team call him back. He never received a call back. On XX/XX/XXXX my husband called back to see if he could be connected with the IT team that could assist with the no page found issue. At XXXX pm XX/XX/XXXX he was able to log on to our accounts. It took IT all of XXXX minutes to fix the issue. 

Mobile Banking was just brought back on line this week. 

My complaint is Vystars Senior Management was not transparent with all the issues, never revealed the fact that bill pay was not available at all through their phone system XXXX XXXX that we were continually told to use. There was no plan in place for the failure of this magnitude. There was no backup plan to put the old platform in place while the issues with the new platform were fixed. There is no excuse for this. Both my husband and I have worked for national banks, banks that were considered too large to fail, and understand there are times that systems will not work as planned but a back up plan is always in place. Vystars issues rest squarely on the shoulders of the CEO who did not ensure the customers were able to handle day to day tranactions for over 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 2022-06-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This evening on XX/XX/2022, I received a text message from Wells Fargo asking if I had made a purchase at XXXX for {$1.00}, and to call their customer service team if I did not make this authorization. 

I called and spoke with someone whose English was terrible. He couldnt speak English enough to understand the answers to my security questions ( or so he claimed ), and kept probing me for additional information that he again claimed was incorrect. The information I provided was correct. 

I got suspicious because the more he told me my answers were wrong, the more questions he was asking some of the questions are not pieces of information that I had ever provided to Wells Fargo. I am a fraud analyst, a certified fraud analyst. I know the interview questions and the laws and guidelines for fraud victims. I asked him at this point if he actually worked for Wells Fargo because his professionalism was terrible. He abruptly transferred me to someone else another person who did not speak English. This individual sat on the phone for a while pretending that he couldnt hear me and hung up. 

My card has been shut down. I doubt that Wells Fargo will reopen that card, which is going to hit my credit in a negative way. 

Being in the business, I know that Wells Fargo has been investigated by the CFPB for situations such as mine. 

What I found funny is that Wells Fargo did not attempt to forward this case to a fraud investigator or even show me any kind of humanity or compassion. I felt victimized by the bank who is insured to protect me. I dont even know if Wells Fargo did anything to protect my information because this appeared to be a breach on their end.

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 2022-06-28 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: MD

Complaint narrative:
To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( XXXX, Equifax & XXXX ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Multiple retailer card websites serviced by Comenity Bank/Bread Financial have been down since at least XX/XX/23. CB/Bread says their website update is taking longer than expected and nothing else. When you call the customer service number, you can not get a live person, just a recording. The recording repeats the notice about the systems update and if you want to speak with a customer service rep, to " call back at a later date ''. Account balances are not available at the retailer website when trying to use the card, and in some cases, charges are being declined. Are they really having system update issues or were they hacked?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-06-28 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-06-28 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # 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

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 2022-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I qualified for PSLF through 120 payments as of XX/XX/2022. I submitted my PSLF application for forgiveness on XX/XX/2022 and I received a response from FedLoan Servicing saying they would process my application in 30-90 days. It has been over 90 days with no response from FedLoans. I have called 4 times but the call disconnects whenever customer service attempts to transfer me to a PSLF specialist. The FedLoans website no longer says that my PSLF application is being assessed but I have no new payment counts or updates from FedLoans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: AL

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 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items 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 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 2022-06-28 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: FL

Complaint narrative:
For over 2 years Equifax have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute only the incorrect information it comes back verified even though I provide proof that the case number and the court name is incorrect and they saying it come back correct because the social is correct. so i went to XXXX since that where they say they get there info from and now it has been deleted from XXXX. I ask Equifax to remove this Bankruptcy since there XXXX  is no longer publishing it and they violate my right by not deleting it and by not verifying if and still reporting on my credit. 
I have provide you a copy of my last letter to them before I take legal action if not remove. 
Please assist me CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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

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 2022-06-28 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: GA

Complaint narrative:
In my accordance with the fair credit reporting & XXXX  account # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15.USC.1681 section 602. A states that I have the rights to privacy.

15.U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-06-28 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:
I ordered a copy of my report in Experian and I found out that credit reporting agencies still indicate this account in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Late Date XX/XX/21. I believe it was reporting in error. The late history should not be showing late because I think I paid on time. Please update the late payment from this 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 2022-06-28 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:
I sent a letter on XX/XX/XXXX requesting that Transunion reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Late Date XX/XX/XXXX XXXXXXXX XXXX XXXX Late Date XXXX XXXX  XXXX Late Dates XX/XX/XXXX XXXX XXXXXXXX Late Date XX/XX/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 2022-06-28 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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate this account in my credit report. As of todays date, Transunion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Late Date XX/XX/21. I believe it was reporting in error. The late history should not be showing late because I think I paid on time. Please update the late payment from this 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 non-monetary relief
Consumer complaint received 2022-06-28 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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate this account in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Late Date XX/XX/22. I believe it was reporting in error. The late history should not be showing late because I think I paid on time. Please update the late payment from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: MD

Complaint narrative:
To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( XXXX, XXXX XXXX Transunion ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - XXXX XXXX  XXXX -XXXX XXXX XXXX -NAVY FEDERAL 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