vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: AZ

Complaint narrative:
YOU BROKE THE LAW EQUIFAX Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights.

Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy.

Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2022, I sent a wire transfer to a company on the internet known as XXXX, with the internet domain name of XXXX, to get XXXX XXXX. They hold themselves out as a company that can provide XXXX XXXX in compliance with US Laws to countries all over the world. They have a U.S. Phone number, but I was never able to actually speak with anyone over the phone. The company is also known as XXXX XXXX , XXXX., located at XXXX XXXX XXXX  XXXX., XXXX XXXX, XXXX , XXXX . I realized I made an incorrect order, and XXXX indicated they did not have the medication I needed, and would have to source locally. However, they did not confirm that they would send me a refund, and I have now not heard from them in several weeks. It seems that this company is a scam. I found reviews of them online indicating that many other people have had issues not getting anything back from the company. 

My wire transfer was made via my U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I tried to cancel the wire transfer within 30 minutes to get a full refund per U.S. Bank policy. However, when I called, the agent on the phone informed me that the branch manager would have to call to cancel the wire transfer. I then called the local branch and requested the branch manager call to cancel. He did not call to cancel within 30 minutes, so the wire went out. I called the company XXXX to cancel the transaction, and sent them several emails. I have not received my money back and do not think that I ever will.

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 monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

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 accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used Citibank to make two payments on Friday, XX/XX/2022 through XXXX- both payments were for {$310.00}. Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. I was told on Friday by Citibank that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The Citibank representative told me today that it could take up to six days. Citibank still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the XXXX payment actually goes through! There is no way to speak to someone at XXXX. They claim it is up to Citibank to address the problem. Citibank claims it is out of their hands.

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 2022-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
One of National Small Loans ' representatives, XXXX XXXX, contacted my workplace by phone call on XX/XX/2022 at approximately XXXX XXXX XXXX, and identified the debt collector as National Small Loan. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. 

I have already sent a Revocation of Authority to Contact Third Parties on XX/XX/2022 and requested that third parties related to me not be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-21 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: WI

Complaint narrative:
I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my equifax report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is XXXX XXXX XXXX and Exquifax, XXXX and XXXX are the reporting agencies. 
XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I live in XXXX XXXX. On XX/XX/XXXX. I had about {$5300.00} in my The Bank of the West checking account. But I found {$2900.00} missing from my account on XX/XX/XXXX. So I went to my bank ask them, they said there was a check being cash. And they print that copy of the check for me, I recognize it was an old check for my XXXX XXXX 8 months ago, and he cashed it in XX/XX/XXXX already. Now he changed the date and amount of my check and cashed it again with his phone app. And surprisingly, my bank cashed it second time to him. I lost {$2900.00} due to fraud. I had contacted my bank immediately, they filed a fraud report, and they told me I should report it to police, which I did. ( Police report numberXXXX. ) Now I need my money back .The bank said it will take a long time. Please help.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I 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. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account #, 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 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : FIRST COLLECTION SVCS XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GA

Complaint narrative:
Everything thats in this letter please remove it doesnt belong too me please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: WI

Complaint narrative:
I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my XXXX report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is XXXX XXXX XXXX and XXXX, Experian and XXXX are the reporting agencies. 
XXXX XXXX , XXXX . 
XXXX XXXX  XXXX XXXX XXXX  XXXX, WI 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 2022-06-21 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: Creative Finance, Inc.
State: WI

Complaint narrative:
I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my XXXX report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is Creative Finance Inc and XXXX, XXXX and XXXX are the reporting agencies. 
CREATIVE FINANCE , INC . 
XXXX XXXX  XXXX XXXX XXXX  XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Scammed by fraudulent XXXX rep in XX/XX/2021 who used Zelle to transfer funds from my XXXX checking account in amount of {$990.00}. I sued Zelle in small claims court and won the judgement. Subsequently Zelle appealed and the judges verdict is pending. XXXX assumed no culpability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It has been 2 times in the last 4 months that my accounts with Wells Fargo has been comprised. The second time someone was able to get my debit card number and spent all my money. I filed a claim with Wells Fargo about the fraudulent transactions and filed a police report. Wells Fargo still does not want to help me because according to them those transactions are valid.

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 2022-06-21 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: NIC, Inc.
State: MO

Complaint narrative:
The following complaint pertains to XXXX XXXX XXXX in XXXX MO. Below is the correspondences address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Every time I visit XXXX XXXX XXXX XXXX in XXXX MO XXXX XXXX receive a bill in the mail approximately three plus months after the receiving services. Once I receive the bill, the amount is immediately reported to a credit collection agency! 

In other words, once a bill is received in the mail, XXXX XXXX does not give me proper time to pay the amount, before its reported to a collection agency, where I receive a negative impact on my credit report. 

Most recently, I received a bill in the mail last week from XXXX XXXX XXXX XX/XX/XXXX, I pay the amount due, please see attached payment receipt. Today, XX/XX/XXXX, I receive a notice in the mail from Nemos Investigations and Collections for the amount I paid on XX/XX/XXXX directly to XXXX  XXXX, see below address : Nemos Investigations & Collections XXXX XXXX XXXX XXXX, AZ XXXX. 


This has been an on going problem for over a year, such that I have asked XXXX  XXXX to mail me bills immediately after I receive services, and, NOT TO WAIT THREE PLUS MONTHS! 

I have communicated to XXXX XXXX in the past the following : " Why even send me a bill if at the same time its sent XXXX XXXX is immediately reporting the amount to a Collections Agency, before I receive the bill in the mail, and, before I have an opportunity to pay it. ''

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2022 and XX/XX/2022 Disputed amount : {$130.00} USD XX/XX/2022 at XXXX XXXX  PDT You appealed the outcome of this case by providing the following additional info. 

Everything I did was over the phone. I have no document I can upload. I called XXXX back in XXXX or XXXX to have my services canceled due to their ties with XXXX. It was all over the news that XXXX could use XXXX to cause damage to the US network. When I saw I was charged again for the services, I called XXXX and they were no help, and said I had to call XXXX. When I called them, they were also no help, but said they were unable to find any account. Neither company XXXX or XXXX is willing or able to help resolve this issue. I do not have the software installed, I am unable to even download said software because I have no account. If is matter is not resolved I will take the action further to DFPI and FTC, and if I have to I will also file with the court. I called and had the services canceled and I bought XXXX for my services. It is not my fault they didn't do their job correctly. Not all companies allow customers to cancel with ease online. XXXX is a company that I was unable to find how to cancel online, so I had to call and cancel. I will not use a service that has ties with XXXX and could harm the US. 


XX/XX/2022 Spoke to the seller ( XXXX XXXX XXXX ), and the seller said they could not help I had to call another company ( XXXX at XXXX ). I called the other XXXX and they were unable to find my account in their system. I asked to speak with someone else, but they were unable to transfer me to speak to anyone else. I canceled my account with them back in Late XXXX or early XXXX due to security concerns with XXXX having ties with XXXX. All Services have been deactivated on all my systems, and removed from all my systems.

Company response to consumer: Closed with monetary relief