vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: NC

Complaint narrative:
I recently received a copy of my transunion credit report and there are several unauthorized inquiries on my report. Transunion had no consent from me to report these fraudulent inquiry accounts on my credit reports and I demand to know why the did so. I filed an identity theft report with the FTC and mailed it to Transunion along with a letter authorizing them to remove those inquiries and they have not removed them.

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 2022-01-27 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: SC

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have been trying to resolve this situation with affirm for years now, I submitted FTC reports and police reports and yet Affirm is still reporting false information on my credit report which is hurting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MI

Complaint narrative:
My request for verification ( in the form of the original contract ) with the bureau remains unanswered. I sent in a letter and FTC report similar to the bureau request, but I still haven't received any original contracts, and the information remains on my report. 

Despite the fact that the information was accurate, they completely ignored my request for the contract between me and this company that they have on 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 2022-01-27 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: NE

Complaint narrative:
I have new and updated information regarding Equifax. On XX/XX/XXXX, I submitted a complaint here through the CFPB regarding a few inaccuracies on my consumer report. I attached actual proof of these inaccuracies in that complaint. I also provided proof of my identity, address, and statement verifying who I am. Equifax response to my complaint which I have attached here completely shows they did not even look into my complaint. They asked me to send to them the accounts which I sent an actual copy of the inaccurate information furnished from my consumer report I obtained from them off annualcreditreport.com. They also asked for proof of identity and address which again I attached in my complaint as well. They asked that I sent this information in to their address however federal law allows me to dispute through the communication channel that I prefer. Equifax has violated my federal protected rights. See counts below : Equifax failure to provide me with a reasonable investigation is a violation of my federal rights pursuant to 15 USC 1681ia Equifax failure to reasonably investigate my dispute shows Equifax is willfully reporting innacurate information on my consumer report pursuant to 15 USC 1681n.

Equifax failure to provide proof of investigation shows they are negligently reporting information on my consumer report pursuant to 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with AVANTE USA. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( XXXX ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( XXXX ). AVANTE USA can not and will not ever produce a contract between me XXXX XXXX, XXXX and AVANTE USA because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My loan with XXXX XXXX was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended XXXX XXXX is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My loan with XXXX XXXX was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended XXXX XXXX is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax apparently does not feel it's necessary to comply with current regulations regarding providing free credit reports to citizens. 

After filling out a request for my free credit report at annualcreditreport.com and requesting my Equifax credit report I was redirected to an Equifax page that said to please call them without providing a phone number ( screenshot attached ). I waited a month and tried again to the same effect. After locating their phone number I called Equifax about this : they informed me that I could only order my free credit report through them directly, and that I could not access my free credit report through any other website ( including annualcreditreport.com ) This is in blatant disregard of the federal mandate. 

Per the FTC website : https : //www.consumer.ftc.gov/articles/free-credit-reports " '' The three national credit bureaus have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three national credit bureaus individually. These are the only ways to order your free credit reports : visit XXXX call XXXX complete the Annual Credit Report Request Form and mail it to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX " ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.

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 2022-01-27 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: NY

Complaint narrative:
There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint because I am the victim of a XXXX scam. I have requested Wells Fargo Bank to reimburse me for my loss, but my request has been repeatedly denied. 
On XX/XX/XXXX, at XXXX XXXX, I received a Free Msg text on my cell phone alerting me that someone was attempting to make XXXX transfers from my checking account at Wells Fargo Bank in the amounts of {$700.00} and {$1000.00}. I didnt open the text but immediately checked my account on the Wells Fargo mobile phone app on my phone and saw an unauthorized {$.00} withdrawal from my account, which I believed meant that her checking account was compromised. I immediately called the Wells Fargo fraud department, but while I was on hold, I received an incoming call from a number identified as Wells Fargo, so I answered. 

The caller identified himself as XXXX, a Wells Fargo Fraud Specialist. He said that {$700.00} and {$1000.00} had been taken from my account and that I needed to immediately initiate a XXXX transfer back to myself to get the money back. I was confused and frantic, and I initiated the transfers as instructed, first in the amount of {$700.00}, another for {$1000.00} and a third in the amount of {$1800.00}, ( XXXX told me that another {$1800.00} had been transferred from her my account while we were talking ). For each transfer, I received a verification code, which I then gave to XXXX. A few minutes later, I received three alerts on my mobile phone from XXXX XXXX  ( with whom I do not maintain any accounts ) confirming that the payments were received from me and sent to account ending in XXXX at XXXX XXXX. 

I reported the fraud to Wells Fargo immediately, but I didnt even get a response until XX/XX/XXXX, and was told that my claim was denied because I had initiated the transfers, Wells Fargo was unable to stop or reverse the funds. I requested copies of the documents from Wells Fargo which I finally got in XX/XX/XXXX. According to XXXX at Wells Fargo, I would most likely get the money back because anyone who asks for the documents usually does. 

According to an article I found on the internet ( copy is attached ), Wells Fargo is responsible for reimbursing me for my loss under the Electronic Funds Transfer Act and a directive from the Consumer Financial Protection Bureau issued in XX/XX/XXXX. I sent this information to Wells Fargo Bank and the bank is still refusing to compensate me. Is there anything that you can do to help me? I contacted XXXXXXXX XXXX, but they told me I needed a subpoena for information. Thank you. 

XXXX XXXX XXXXXXXX

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a checking account with Chase in XXXX, primarily so I could have a local branch for cash deposits and withdrawals. I transferred {$10000.00} into the account, with the intention to withdraw most of the money quickly to pay a contractor. 

However, I was never able to withdraw that money. The bank held the money in the account, but I could not withdraw it or transfer it because I had not yet received a debit card. I spent more than 5 hours, including multiple customer service calls and two branch visits, to try to find a solution to this problem, but I was unable to resolve it. This caused a hardship because I was unable to withdraw that money elsewhere to pay the contractor. 

A few weeks after having that resolved, I discovered that my Chase checking account had been closed without warning. I still have received no notice from the bank, nor have I received the funds that were in the account. Further, when I call Chase, the only department that can answer my questions has a 2+ hour wait time, which I can't afford. 

This has been a miserable experience and has been really difficult to navigate the holidays with $ XXXX tied up and inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Account with truist bank had a balance of XXXX and it was closed, i will like my funds to be released to me and we can part way, but all effort seems not to be working.

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 2022-01-27 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: CA

Complaint narrative:
On XX/XX/XXXX I got a call from ( a XXXX Area code number ) my electricity company ( XXXX XXXX XXXX ) the recoding stated that it was them and to talk to a representative press # 1. I pressed # 1 and they told me that my account was past due and I needed to pay ASAP before someone gets to my address ( which they said ) and cuts my electricity off they said someone was already on there way and I needed to send the money Now so me thinking about my family 4 kids and 2 under 2yrs I sent the money right away. Once I sent it and hung up the phone I called by electricity company scared that they were going to cut off my power and the representative proceeded to tell me that it wasnt them. I got on the phone with my bank made 3 different claims with Wells Fargo and at first when I called I told them everything so it had turned out when I called on XX/XX/XXXX they had to re do the claim because it was done wrong so XXXX helped and re did my claim. So I called back on XX/XX/XXXX and the representative from Wells Fargo tells me that they denied my claim and I have to deal with it in small claims I asked the representative to transfer me to a supervisor then she filed an investigation and told me someone would call me back and talk to me and no one ever did so I called today and I was on the phone for more than three hours being bounced back and forth to different departments and somebody that I talk to in the claims department told me I was wasting my time and that I wasnt gon na get anything so I asked her if I can talk to a supervisor and the supervisor told me that theres nothing that Wellsfargo can do even though I was scammed and forced to send this money. I do have all my claim and police report number and report number with XXXX  its self.

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 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Sales Inc.
State: WV

Complaint narrative:
US Auto Sales is attempting to collect a debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692 gXXXX Letter was received via certified mail on the XXXX of XXXX and signed by XXXX XXXX and the 30 day time frame has expired. Still no correspondence. I also requested them to cease and desist all communications but have received emails as well as spoke with their agents who have still continued to take money from me after I told them to cease and desist all communication. 

XX/XX/2022 spoke with agent XXXX, not sure if her name is spelled correctly. When I asked her to verify how to spell her name, she hung up on me. Called right back and spoke with XXXX, who took a payment of {$47.00}. XX/XX/2022 spoke with XXXX who did not take a payment but had to send a code to my vehicle for me to be able to drive it after I requested it be taken off of my vehicle while this investigation is going on. Then on XX/XX/2022, spoke with XXXX XXXX who took a {$20.00} payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The credit union charges every month interest in cash point, plus the interest for the amount use on the card, then insurance which I think is unfair to the consumer, as opposed to that fee covering the pay back amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Not sure of all the information but someone had credit card and loans in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have forward paper work over disputing these items. these accounts were removed, but later returned please remove these from my credit report upon my request.. 


XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$23000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$28000.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$30000.00}

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 2022-01-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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