vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: U.S. BANCORP
State: MN

Complaint narrative:
XXXX continues to report information i have proven is fraudulent and illegal. 

15 usc 1681 requires reporting agencies to do maximum due diligence that is clearly being neglected The Electronic Fund Transfer Act ( EFTA ) : This law establishes the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers. Under the EFTA, consumers have the right to stop payment on a preauthorized electronic fund transfer by notifying the financial institution before the scheduled transfer date. 

The Fair Credit Reporting Act ( FCRA ) : This law governs the collection, dissemination, and use of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate or incomplete information contained in their credit reports, and to request that inaccurate information be corrected or removed. 

The Consumer Financial Protection Act ( CFPA ) : This law prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. If a company continues to use your financial information without your permission, they may be engaging in an abusive or deceptive practice, which would be a violation of the CFPA.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, is improperly calculating my FICO Score 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of sufficient credit history 3. Lack of sufficient relevant real estate account information 4. Balances on bankcard or credit card accounts too high compared to credit limits

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have multiple fraudulent accounts listed on my credit report that do not belong to me. I have submitted multiple ftc reports and multiple police reports and the accounts are still on my credit report. I have also pointed out that the credit acceptance fraudulent was reporting different balances on on the reports and then two weeks later they didn't remove the account like they were supposed to, they just updated the balances to all match. This is in violation of my FCRA as a consumer. I will be pursuing litigation on this matter.

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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XXXX of XXXX I became an employee of XXXX XXXX XXXX  and switch my account over from XXXX XXXX. I received {$750.00} in XXXX XXXX to pay off the remaining balance from XXXX which was I was told was {$580.00} and which I paid and was told I was ready to go. After 2 months I get a bill from XXXX saying that I owed them {$120.00}. I called and after multiple hours of speaking with several reps that I did not owe this and they would take the charges off my account. Yesterday XX/XX/XXXX I got a notice that my credit score has gone down XXXX points due to a derogatory claim on my account of XXXX from XXXX that I am now expected to pay. After talking to Jefferson Capital Systems this morning they have put in that I am disputing I was told the only way to get it off my credit was to get proof from XXXX of a conversation that took place over 4 years ago and on the phone. When I call XXXX to get in contact with someone it refers me back to Jefferson Capital stating they do not have access to any information on my account. I have worked incredibly hard over the last decade to build my credit and am infuriated to see it impacted by a bogus charge like this. There was more than enough left on those cards and if they would have asked me to pay that at the time of switching I would've gladly paid what I owed. Is there anyone who can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: VA

Complaint narrative:
Inquiries XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : PeXXXX 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 2023-02-20 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: CA

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo made it look as if I was not making my monthly mortgage payments. 
I was making my payment, I was Neverr late over the 13 years in my home, But every payment I made showed up on my monthly statements as " Not Applied '' So they were taking my monthly payments, but were not applying my payments to my loan. There was a short period of time they setup automatic drafts from my checking account that was for my monthly payments, The money was drafted from my account, but again, " Not Applied '' to my loan and no one could tell me why, or could straighten this out, because they were doing this on purpose to make it look as if I wasn't making my payments so they could foreclose, ( Steal ), my home that I had built for my family.

I had never missed a payment over the 12+ years and I had pleaded with Wells Fargo to stop doing this, and fix this issue... During the last period of time I had even called Wells Fargo and told them that I will air mail them a Cashiers Check for {$9000.00} to put my account back in good status and stop trying to take my home. I had over {$27000.00} in my checking account at this time and could cover this payment but they denied me this opportunity and would not accept this payment, Which I believe even if I did they would of just kept my money and not applied it to my loan as they have been doing. 
As I stated I was in my home for over 12 years, Never missed a payment, I had over {$80.00}, xxx in equity which they also took from me along with the home my family lived in. 
They took everything from me, destroyed my marriage of nearly 25 years, and also destroyed my credit rating .... I tried every day to get them to stop what they were doing, but they never did and I lost Everything in my life I worked for for over 20 years... 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO 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 2023-02-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

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 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We were having problems making payments and given a 6 month forbearance for Covid 19. My wife spoke to Truist and we were given another 6 month forbearance for Covid 19 and at end of forbearance period Truist refused to take our agreed to monthly payment. They asked for a lump sum to make up for past payments under forbearance. We never had a problem with Sun Trust but Truist employees screwed up numerous times and they could see it in their records. The employees reviewed notes in their records which showed their mistakes but never corrected. Truist sent us a form to fill out on how to handle past amount due and we requested to put at end of mortgage. At first Truist said they never received and then said they had received late. The interesting part was one employee said one thing and the other something different. Now Truist had sold mortgage to XXXX XXXX XXXX and won't give me copies of what was agreed to. I think the federal government needs to step in and straighten this company out. Next step should be a class action lawsuit for illegal loan practices between Truist Bank and now XXXX XXXX XXXX as they can't get their dates straight.

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 2023-02-20 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:
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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
The company kept withdrawing from my bank account on the wrong day this happened 3 times creating over a {$100.00} in overdraft fees. 
I called the office twice and visited the office and spoke to the manager Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: OH

Complaint narrative:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this account XXXX XXXXXXXXXXXX XXXX XXXX account number XXXX is a fraud account I have provided Equifax with a ftc report and disputed multiple times this informations needs to be deleted and blocks on my equifax credit report ftc report number is XXXX has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I made online purchases through XXXX XXXX XXXX, paid through PayPal. One of the items is defective and missing parts ( not as advertised by the seller ). It also contains serious security vulnerabilities which were flagged by XXXX ( see attached ). When I reached out to the seller letting them know of the defects and the security issues and missing parts, they asked that we wait for them to fix the defects, or to hire our own developer to fix them. Since I do not have the means to hire my own developer, I chose to wait. Three months later, the seller still has not fixed the issues, nor provided the missing part. So, I filed a refund, which they denied. I escalated the issue to XXXX XXXX support but was told they would not provide refunds for the defective item, to keep working with the seller. I then escalated this issue to PayPal and got an email today that my case was ineligible for PayPal purchase protection. I am now stuck with a purchased item that is defective, missing parts and has serious security vulnerabilities. Furthermore, XXXX XXXX locked my account immediately after I escalated the issue to Paypal ( see attached ). I am unable to access any of the products and services that I purchased or my billing records & statements. I really hope that PayPal will look into these complaints as I do not feel any consumers should have to settle with products that are defective, missing parts and/or not as advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: KS

Complaint narrative:
I received a credit monitoring alert regarding a collection account on XX/XX/2022. Thought it was a mistake, so I didn't follow up at the time. During a vacation in XX/XX/2022, I was denied the ability to open a charge card. Upon return home, I requested copies of all three consumer credit reports. XXXX was accurate with the exception of one wrong mailing address. XXXX and TransUnion reflected several names, addresses, accounts which were not mine. I notified both of the errors. XXXX corrected the errors on my report. TransUnion corrected some but not all. I filed a dispute after again begin denied the ability to open a new charge card. Data regarding a different person ( not me, and not related to me in any way ) continued to appear on my TransUnion credit report, although the dispute findings continued to reflect " verified as accurate. '' I continued to file disputes with TransUnion, and also notified the credit card company, XXXX regarding three accounts opened that were not mine, but tied to my social security number. These were eventually sold to XXXX XXXX XXXX, and later written off. I also followed up with XXXX XXXX XXXX. The XXXX fraud division eventually confirmed that the three accounts in question belonged to someone else, as did XXXX XXXX XXXX. I again filed a dispute with TransUnion to remove the inaccurate data from my record, which they continue to include as accurate as of 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 2023-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( c ) section States : no consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by the seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I, XXXX XXXX XXXX swear that this statement is true and correct. Im a XXXX XXXX and need my money back. I had a total of XXXX unauthorized transactions made from my Chime Checking account that I did not authorize, nor did I authorize another person ( s ) to use my chime bank account nor my debit card. My checking account number is : XXXX. My visa debit card number was : XXXX ( card is canceled ). I still have my canceled visa debit card in my possession. I lost my phone a little over a month ago and have not had access to chimes mobile app. There have been several fraudulent charges that was deducted from my chime checking account that started on XX/XX/XXXX and ended on XX/XX/2023 ( XXXX of those charges is still pending ). I believe that all charges ( purchases ) were made online ( to the best of my knowledge ). I have no idea as to the person ( s ) that made any of these transactions. I did NOT AUTHORIZE any of the transactions that are listed below. Most transactions can from a company called XXXX XXXX. I reported unauthorized transactions to chime but they denied my claim.

Company response to consumer: Closed with monetary relief