vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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:
these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.

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 2023-07-11 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: PA

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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was notified by XXXX XXXX XXXX that I had to complete an Affidavit of Check Fraud by Payee to dispute a cashed check that I/my company never received ( XXXX is XXXX payer & my company is the payee ). 

The affidavit was completed, notarized & submitted in XX/XX/2023. 

I nor XXXX have heard anything about the status of this affidavit or the cashed check. I need this investigation completed so the funds can be returned to XXXX & XXXX can reissue payment to my company.

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 2023-07-11 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: FL

Complaint narrative:
XXXX, XXXX XXXX Transunion is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX XXXX Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is NOT asking for an e-oscar report, if XXXX, XXXX XXXX Transunion does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : Transunion commission file number 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 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 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 XXXXXXXX firms to audit consumer account XXXX XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax, XXXX XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax, XXXX XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if Equifax, XXXX XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. Equifax commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX commission file number 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 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 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 XXXXXXXX firms to audit consumer account XXXX EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had a a travel credit card with Bank of America for several years. Out of nowhere Bank of America closed my credit card account without notice and without reason. I had a XXXX dollar balance, the card was NOT expired, and was not late on any payments, and I had accumulated a considerable amount of reward points from my purchases. Bank of America not only closed the account for absolutely no reason, but they refused to issue me the rewards points that I rightfully accumulated during throughout the duration of the time I used the card. I will also note that I called and asked why the account was closed and received no answers and also asked if the credit card could be re-opened and they said no! I have a maintained a great credit score, I paid the card on time consistently and I am having difficulty figuring out why this occurred. They were able to profit off of me using the credit card for years, and seemingly once they could no longer make a profit off of me and the account they closed it any valid reason. I wanted to keep the card open and continue to use it, but unbeknownst to me they completely closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 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 IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on 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 2023-07-11 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: Kingston Data & Credit International Inc.
State: OK

Complaint narrative:
I paid it and disputed it and it reported as not paid still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma had a offer that say I would be fine but preapproved for a loan and three different hard inquiries put was put on my report dorming my credit score by XXXX points. Then they stated that I was not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Arbitrarily being charged late fees when payments were made to cover late fees in the past. Wells Fargo is charging me a total of {$360.00} in late fees now although I have already paid all of the late fees throughout/during the life of the loan. I think this is a way of the company trying to steal my money. They can not justify that I have not paid the late fees after I demonstrated through all of my payments that I paid the late fees every time I caught up on my payments. 

After all these years they are trying to say that I owe these late fees and can not prove that I did not pay them. This is now causing hardships for me and I have XXXX children with XXXX and I am not able to keep disputing this with Wells Fargo!!! This is impacting my health.

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 2023-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
XX/XX/ my HELOC was suspended and since that period the interest rate has increased from interest only 1 % of balance to 13 % and climbing. My balance is approx {$11000.00} and I have not had available credit since XX/XX/. Since the line has been suspended how can the interest rate continue to increase and I have no access to the line other than making payments. If the line is suspended so should the interest. Please help me get a satisfactory explanation. Thanks

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 2023-07-11 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. 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/2023 I bought a Front bumper for my truck off XXXX and never received the delivery from XXXX somehow XXXX shows it was delivered and signed for by myself on XX/XX/2023 on XX/XX/XXXX i was not at my shop i have set proof of this to XXXX and they still said it shows i did so i filed with Chime have even sen tcamera footage of that day but still denined im out {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
NO CREDIT LOAN COMPANY HAS THE RIGHT TO SHOW UP AT MY HOME AT XXXX XXXX FOR ANY MONEY. I'M NOT OUT OF BED AT THAT TIME AND I SURELY DIDNT GIVE THEM PERMISSION TO SEND ANYONE TO MY HOME AS [ CREDIT CENTRAL ] A LOAN COMPANY HERE IN XXXX GA. DID THIS MORNING XX/XX/23. I WANT TO FILE SUIT FOR THEIR HARRASSMENT. THE LADY NAME IS XXXX THAT SHOWED UP AND THREATENED TO TAKE LEGAL ACTION. SAID SHE WAS OPENING UP AT XXXX AND I BETTER COME IN WITH PAYMENT. SHE TALKED TO MY WIFE AFTER KNOCKING ON DOOR THAT EARLY AND MY WIFE TOLD HER SHE HAD NO BUSINESS AT OUR HOME THAT TIME OF MORNING. SEE ATTACHED PIC OF HER CAR AT MY HOUSE AND THE TIME PIC WAS TAKEN. SHE HAD BEEN IN YARD ATLEAST XXXX MINUTES BEFORE I TOOK PIC OF HER CAR AND ANOTHER XXXX MINUTES AFTER

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX 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 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 2023-07-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their lack of response to my previous letters. On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Experian, seeking resolution and clarification on important matters pertaining to my credit report. To my dismay, I have not received any response or acknowledgement from Experian regarding these correspondences. 

The letters I sent contained detailed explanations of discrepancies and errors present in my credit report, which have adversely affected my creditworthiness and financial opportunities. It is crucial that these matters be addressed promptly to ensure the accuracy and fairness of my credit profile. 

Despite multiple attempts to engage with Experian through written communication, the complete lack of response is both disheartening and frustrating. As a consumer, I rely on Experian 's expertise and commitment to providing accurate credit information and prompt resolution to disputes. The absence of any communication from Experian leaves me feeling disregarded and unsupported. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that Experian fulfills its obligations to consumers. It is essential that Experian acknowledges and responds to the concerns raised in my previous letters, providing a comprehensive plan of action to rectify the inaccuracies on my credit report. 

I urge the Consumer Financial Protection Bureau to prioritize this complaint, as it concerns the accuracy and fairness of credit reporting, which impacts countless consumers. I trust that your agency will thoroughly examine the matter and ensure that Experian is held accountable for its lack of response and failure to address my concerns. 

Thank you for your attention to this matter. I anticipate a timely response from the Consumer Financial Protection Bureau and a resolution to these pressing issues.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: MD

Complaint narrative:
On or around XX/XX/2023, Discover violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with Discover. I have been diligently paying off my credit cards in an effort to buy a house and Discovers actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe Discover intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my Discover balances to the new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I HAVE SENT OVER 10 EMAILS WITH DOCUMENTATION YOU ALL KEEP REQUESTING MY ACCOUNT WAS LOCKED DUE TO SUSPICIOUS ACTIVITY AT WHICH I PROVIDE DOCUMENTATION AND YOU ALL KEEP ASKING FOR IT OVER AND OVER AGAIN. I HAVE EXPLAINED MULTIPLE TIMES AGAIN I HAVE PROVIDED DOCUMENTATION OVER 10 TIMES NOW AGAIN IT WAS A TRANSFER FROM MY ACCOUNT CHASE TO CHIME THERE IS NO ONE ELSE INVOLVED. I HAVE SENT AN STATEMENT AND DOCUMENTATION THAT YOU HAVE ASKED FOR MULTIPLE TIMES ALREADY I WANT MY FUNDS OR I WILL SUE I AM NOT THE ONLY CUSTOMER YOU ALL KEEP DOING THIS TO. MY ACCOUNT WAS WORKING PERFECTLY FINE UNTIL ALL OF A SUDDEN I DEPOSIT FUNDS NOW YOU ALL WANT TO KEEP MY MONEY UNLOCK MY ACCOUT OR I WILL SUE email on account is XXXX and XXXX

Company response to consumer: Closed with explanation