vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: FL

Complaint narrative:
checking my credit report ive noticed alot of invalid information. I am intrested in disputing my credit report with Equifax. this is he hindering my file and I can not move forward due to information being incorrect. please correct all the information requested so my credit can be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: NJ

Complaint narrative:
On XXXX XXXX at around XXXX i signed into my online banking and realized two un authorized withdrawals on my wellsfargo checking account which were also done at a wellsfargo Atm, {$200.00} and {$300.00}. I contacted the bank right away and made a claim since I hadnt used an atm in days nor authorized any withdrawal on my debit card of such amount, i am an immigrant and I dont have family here nor anyone i can share my information with, secondly i had my debit card with me so how did someone withdraw my money? The only thing the bank did for me is cancel the card and send me a new card. After doing their investigation they said they can not help me because tue person who withdrew my money had all my information. And i told them that cant be become i have my card with me, i have no family or anyone i share information with. And they told me i can only make a police report after going back and forth with them on phone, I visited the bank spoke to the manager and she told me she cant help me. So on XX/XX/2021 i went down to the police station, they have me a number i was supposed to call and i made a report of theft by unlaw taking wrongful impersonation. The police said they will do an investigation and get back to me, after a while not hearing from them i called back and they said oh we forgot to send you part of the investigation but we were unable to retrieve cameras on that day, so the police didnt help me either, i called the bank again and still no help, i walked down the bank and still no help. Thats why Im here today hopefully i can get helped or someone else can get help. Thank you so much. Attached is the police report and financial statement, it shows XX/XX/2021 but the withdrawal was done XX/XX/2021 at 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 2022-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have the receipts for All the scam XXXX transactions from my WellsFargo account that they refused to reimburse me for. Now the lawsuit is supposed to give me the funds back but my account is closed with them. I have the proof of all the XXXX  transactions that was scams. I was scammed for over {$11000.00}.

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 2022-12-03 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: FL

Complaint narrative:
I am interested in disputing all incorrect information only credit report with transunion to help clear my file. alot of information is invalid. it is hendering my file an stopping me from moving forward. I need everything corrected to clear my file.

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 2022-12-03 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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00}

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 non-monetary relief
Consumer complaint received 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good evening, I received an alert from myfico.com that my Transunion score dropped XXXX points. I was shocked and could not figure out why. I checked and it said that a personal finance report was removed from my report. I am not aware of anything as when I checked, nothing was removed. All my accounts open and closed are accounted for and this is upsetting for them to report such a big drop when nothing in my report is missing. Please correct this. 
Thank you.

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 2022-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: IN

Complaint narrative:
Good leap denied my credit application first time it was submitted by the salesperson from XXXX XXXX. After they installed my system goodleap started taking money out of my checking account without any kind of authorization from me. They overinflated install and equipment price Should be about half what they are charging. I was promised by XXXX XXXX And lender that first 12 months would be paid out the money lender was giving XXXX XXXX in turn we would give them the check for the year of payments, this never happened. I am paying loan and electric bill. Electric bill was supposed to go down by 90 % never happened. 
Now iam paying both XXXX electric bill and XXXX dollar solar bill. Loan company says after 18 months loan will go up to XXXX month if I don't give them the tax incentives, what they failed to disclose is that it actually takes XXXX yrs to collect all tax incentives. How is that truth in lending?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: ProCollect, Inc.
State: TX

Complaint narrative:
Ive disputed the XXXX debt with the credit bureaus.

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.

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 2022-12-03 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: MI

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX  XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I consumer and Natural person have been violated by Transunion. I have disputed inquiries on my consumer report and it has been more than 30 days with no response. Transunion has used and furnished my consumer report without my written consent or verbal authorization. I have been denied credit due to their wilfull non compliance to accurately verify information before furnishing a report on my behalf. I have inquiries showing on my report that are not tied to any open accounts and/or any extensions of credit. These inquiries are damaging my consumer reputation. Before furnishing a report a Credit reporting agency shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the consumer the report relates to pursuant to 15 USC 1681e ( b ). transunion has failed to do this. According to section 604A ( 3 ) ( a ) there must be an extension of credit as well as the inquiry allowing for Permissible Purpose to keep and validate and report any inquiry on a consumer report. The following inquiries listed and dated attached to this complaint are not inquiries resulting from an extension of credit, nor any experiences or transactions I have authorized. I ask that transunion carefully review this information including my consumer report and delete these inquiries.

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 2022-12-03 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:
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. 

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.

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 if 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 2022-12-03 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: DC

Complaint narrative:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 19 hard inquiries on Experian and 11 on XXXX. I have 5 that are currently active and the rest arent and been denied approval

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written to all three credit reporting agencies Experian, XXXX, and XXXX about the inaccurate information on my report and explained to them that they are continuingly violating Title 15 US Code 1681 and 1692 by not removing those inaccurate items from my report and they continue to disregard my request with investigations that haven't been properly carried out! Because of this negligence they have caused me Damages and Hardships that I don't deserve causing me to go into poverty!

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 2022-12-03 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: SC

Complaint narrative:
I received a copy of all three reporting agency and noticed that they are not accurate all three have different information also some collections agency have been calling and violating my right under the act 15 U.S.C Sec. 1681i ( a ) i would like these collections DELETED and all three reporting agency accurate. I have previously requested that you investigate this information, and now my credit is being damaged i also would like all HARD INQURIES DELETED please update info. 
XXXX XXXX XXXX  Original creditor XXXX XXXX. 
Balance {$1700.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor XXXX XXXX  Balance {$1900.00} Balance updated 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 non-monetary relief
Consumer complaint received 2022-12-03 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: SC

Complaint narrative:
I received a copy of all three reporting agency and noticed that they are not accurate all three have different information also some collections agency have been calling and violating my right under the act 15 U.S.C Sec. 1681i ( a ) i would like these collections DELETED and all three reporting agency accurate. I have previously requested that you investigate this information, and now my credit is being damaged i also would like all HARD INQURIES DELETED please update info. 
XXXX XXXX XXXX  Original creditor XXXX XXXX. 
Balance {$1700.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1900.00} Balance updated 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 2022-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
After several bouts with XXXX and XXXX related medical issue, my income got a little boost so I started trying to catch up. I am inundated with XXXX - XXXX calls a day on my cell phone and XXXX XXXX calls on my home phone then they hang up once I answer the phones. This is the second time that duplicate payments were made in the amount of {$76.00} ( due XX/XX/XXXX ), {$58.00} ( due XX/XX/XXXX ) and XXXX ( due XX/XX/XXXX ). On XX/XX/XXXX, I called Affirm to reverse the payments because was caught up. Affirm told me they refund/reversed the money back to my account. Later that evening I double check my account and found they processed XXXX unauthorized payments to the account. Now Ive been charged {$60.00} Overdraft plus {$76.00}, {$58.00} and {$40.00}. I reviewed the Affirm accounts and it reflects each of them were refunded but additional processed payments not due. Also, while I thought they were processing a loan modification which said I had no active loans to modify then they delayed it to report derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I consumer and Natural person have been violated by Experian. I have disputed inquiries on my consumer report and it has been more than 30 days with no response. Experian has used and furnished my consumer report without my written consent or verbal authorization. I have been denied credit due to their wilfull non compliance to accurately verify information before furnishing a report on my behalf. I have inquiries showing on my report that are not tied to any open accounts and/or any extensions of credit. These inquiries are damaging my consumer reputation. Before furnishing a report a Credit reporting agency shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the consumer the report relates to pursuant to 15 USC 1681e ( b ). Experian has failed to do this. According to section 604A ( 3 ) ( a ) there must be an extension of credit as well as the inquiry allowing for Permissible Purpose to keep and validate and report any inquiry on a consumer report. The following inquiries listed and dated attached to this complaint are not inquiries resulting from an extension of credit, nor any experiences or transactions I have authorized. I ask that XXXX carefully review this information including my consumer report and delete these inquiries.

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 2022-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a negative credit balance of {$480.00} on my card that was a result of me overpaying my credit card. 

This has happened multiple times and I always have to call bank of america to get it transferred back. It has been XXXX weeks since I called and the money is still sitting in my credit card and not back to my checking account ending in XXXX. 

The customer service representatives are unable to help and they keep saying " its on the way ''. 

In addition I filed XXXX disputes, XXXX against XXXX, XXXX against XXXX, and XXXX against XXXX. I was told I would receive an email to submit documentation showing my XXXX flight was cancelled and such and I was never given that email. I also have not received any temporary credits for these charges.

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