vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
IN XXXX I JUST FOUND OUT WE WERE XXXXXXXX XXXX XXXXXXXX  CHILD, THE FATHER WAS XXXX. I DEVELOPED XXXX  AND FROM BEING ISOLATED I FELL INTO A XXXX  XXXX. THE WELLS FARGO ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXX SERVICE WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX  BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap transunion 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I contacted Equifax and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically that the creditor XXXX, XXXXprovide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof. 

I have reviewed my consumer report from Equifax and noticed that I have seeveral late payments reporting on my bureau, that I was never late for on Consumer Reporting Agency and have assumed a vital role and Maximum Accuracy. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided, I demand that payment be updated to on time as it was never late. 

To XXXX XXXX XXXX. I have been in dispute since inception of this account. Yet they continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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:
This is my complaint to Teletrack. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report that occurred during the XXXX pandemic. The late payment was for Account Ending in XXXX. I experienced financial difficulties during this time due to the pandemic, which made it challenging for me to make timely payments. 

I am now in the process of trying to purchase a home, and I am concerned that this late payment will negatively impact my ability to secure a mortgage. As you may know, a late payment on a credit report can stay on the report for up to seven years, and it can have a significant impact on my credit score.

I would like to request that you remove this late payment from my credit report as a gesture of goodwill given the exceptional circumstances surrounding the XXXX pandemic. I have since regained my financial footing and have made every effort to stay current on my accounts. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. 

Removing this late payment from my credit report would greatly improve my chances of obtaining a mortgage and realizing my dream of owning a home. I believe that this removal will help me rebuild my credit and achieve my financial goals. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me. 

Sincerely, 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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX I went to my local XXXX NJ branch of PNC Bank to open a joint account with my brother and sister in law who were both visiting from XXXX. I have a 30+ year relationship with this bank having joined with my spouse in XXXX of XXXX. My XXXX adult daughters also hold accounts in the same branch. 

At no time was I ever given any indication that there would be problems with the account. Indeed, that day, we deposited {$5000.00} into it. On XX/XX/XXXX, I received a letter from the bank indicating the account had been closed. No explanation given. 

I have called the indicated number. The bank does not answer the line with a live person. In fact, they do not return calls. So I wrote a letter which I will attach. 

Today, I have received a phone call. Pure and simple, it is what I expected : the bank has the right to close your account at any time and for whatever reason " just the same way you can close your account at any time and for whatever reason ''. 

I find this disappointing and also, a poor commercial practice. For one month the bank was happy to keep our money until they decided, for an unknown reason, to sever the relationship. We could have and probably will select another bank that can cater to our situation ( e.g., a US citizen that wishes to open a joint account with non-resident relatives ). 

The only account closed was the joint account with my brother and sister in law. I suspect there is nothing in the law that can help me redress with the bank but I wish to nonetheless file notice with CFPB this is one problem that needs to be fixed. At the very least, banks should be able to explain why the took action to close and also, they should be able to explain their policies for opening accounts with non-residents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I saw a promotion to receive {$500.00} after opening a US Bank Business checking account by XX/XX/. The promotion states I must deposit {$3000.00} within 30 days of account opening in order to receive the promotion. 

I went to my local US Bank branch XXXX XXXX XXXX and opened a XXXX XXXX XXXX account with an opening cash deposit of {$100.00}. The account was opened, I received login but the bank to bank transfers on their online portal was XXXX. I was sent an email by US Bank to make a deposit to activate the account by emailing XXXX with the deposit form which included XXXX and Routing info or to mail it to their po box XXXX I emailed the form on XX/XX/XXXX. On XX/XX/XXXX I received an email back stating the routing number was incorrect ( I left off a digit ). I corrected the form, emailed back XX/XX/XXXX and am still waiting till this day ( XX/XX/XXXX ). I emailed again today. 

I believe they are intentionally delaying responding so that they go past the 30day window so that they won't have to pay out the {$500.00} signup bonus. I see this as a form of fraud to get new deposits by using advertising one thing but not following through or purposely making it impossible to get by no fault of my own. 

I believe after the 30 day window passes, they will likely accept my {$3000.00} deposit and will try and get customers like me to keep it there for 60days and then fail to pay out the {$500.00} because the money was not deposited within 30day. 

Can you please investigate this?

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 2023-04-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Porter Law Firm
State: TX

Complaint narrative:
This is a continuation from initial complaint submitted XXXX, XXXX. 

Follow up from complaint XXXX, XXXX, XXXX. 

My HOA, its Management Company and Attorney are reporting adverse action in form of Public Record to my credit reporting agencies. Also the accounting of my payments is incorrect and no resolution to correct the amount that has already been paid. After many denied debt validation requests and ignored emails, I submit information for assistance in consumer rights. 

The Attorney and his legal assistant has now moved to Porter Law Firm, XXXXXXXX Tx XXXXXXXX as of XX/XX/XXXX. But still representing the HOA and management company. 

XXXX report as of XX/XX/XXXX. 
XXXX reports as of XX/XX/XXXXXXXX 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 2023-04-17 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To whom it may concern, Midland Credit Management is Reporting Inaccurate and Incorrect information on my Credit Report. XXXXXXXX XXXX Claimed The Tradeline has been Deleted but MIDLAND CREDIT MANAGEMENT Has Furnished an Inquiry on my Credit Report without Verify it as Usual. I do not have any Contractual Agreement with Midland Credit Management or any written Agreement with them whatsoever. I need that XXXXXXXX XXXX Account Deleted from My Credit Report and a Letter sent to me and All Credit Reporting agencies stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Bank some how turned off autopay without notifying me, months ago. Although I had multiple points of contact with bank I was never notified payments were not made/ late or that autopay was turned off. Funds were always available. Hold times to speak to a rep are over one hour. Each rep gives different and conflicting information as to which bank account was linked/ why autopay was turned off and how it was turned back on. I was only notified by an third party agency of 30 days delinquent. I made payment that day and paid bank card payment in full. Then magically the autopay was turned back on by bank ( not by me ) to the correct account. Bank does not return calls, makes it impossible to speak to a manager nor can give clear reasons for the failure of communication/ notification. Bank is not making good faith error to correct the erroneous credit report of 30 days delinquent. due to system error or explain clearly the mechanisms that caused the failure. Bank was not able to advise me of when and how I was notified of problems. Further more when I asked to close the account I was told that also could not be done without a call back. That I also never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are several inquires on my credit file that dont belong to me and I dont recognize I asked the bureau to investigate and they failed to do so,

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TRANSUNION is obligated by the FCRA to report accurate accounting. ALL credit reports must match with other reports, with XXXX being the most accurate.Said company has 4 days according to LAW to remove such items that do not match with XXXX. I am requesting TRANSUNION to provide documentation that shows my credit report is matching my XXXX report.Said Company is liable under the SEC to follow certain rules. TRANSUNION commission file number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX. I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is reporting contradicting information to what XXXX is 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 explanation
Consumer complaint received 2023-04-17 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: TN

Complaint narrative:
I did not consent to these inquires

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion performed an investigation on XX/XX/2023 related to the account VA XXXX XXXX XXXX XXXX # XXXX. The investigation results indicated that the BALANCE = {$1900.00}, the PAYMENT STATUS = 120 days late, and there are THREE 90 days late payments. All the previous data is incorrect to include the balance, payment status and payment history. I do not have a balance, I am not in a late payment status and I have never been late.

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 2023-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I didnt authorize this company to run my credit and now there is a inquiry XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Destiny XXXX ( Genesis FS Card Services ) has been sending bills for a card I never opened. The initial charge on the bill appears to be a processing fee for opening the account - bill amount with fees now {$87.00}. I searched the web and this scam appears to be common. I called to ask them to close the account and they claim that they are reporting it to their fraud department. I have my doubts. I do not want non-payment on this account to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IL

Complaint narrative:
Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, XXXX. XXXX took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.

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 2023-04-17 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: IL

Complaint narrative:
Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, XXXX. XXXX took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: LEXISNEXIS
State: GA

Complaint narrative:
This is my complaint to Lexisnexis. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX, XXXX, and XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

LVNV FUNDING LLC is sharing my nonpublic information with nonaffiliated 3rd parties XXXX, XXXX, & XXXX. LVNV FUNDING LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, they withheld my rights to be able to opt out of sharing reporting private inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation