vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX keeps reporting discover card and acceptance now and not updating my name and current address. Trans union is also doing the same with other account that are old and incorrect personal information being reported and XXXX as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the dark web by them. I am a victim of identity theft.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX keeps reporting XXXX card and acceptance now and not updating my name and current address. XXXX XXXX is also doing the same with other account that are old and incorrect personal information being reported and equifax as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the XXXX XXXX by them. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Was scammed to letting somebody put almost XXXX on my card

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 2023-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
XXXX XXXX  was approved online for a loans for {$4000.00} I never went in to sign anything everything was online now they saying I owe {$5300.00}. They charged outrageous interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One refuses to let me access my online account, which is the only way to use my cash rewards points. I have called over 5 times to speak with customer service, and they keep telling me they can not verify my identity. They make me submit my proof of identity, then they tell me they can't read it. I've even had customer service reps stay on the line with me while I submit it, verify they received it, verify they can personally read what I submitted, then they send it to their fraud department who says they can't read it and can't verify my identity. This has been going on ever since I took out the account. I always stay on the line with the rep until they promise me it has been resolved, and each time it is never resolved. It is clearly a ruse to prevent as many people as possible from using the promised cash rewards benefits and to jack up payments when you can't find out what you owe for a payment. I am happy to provide documentation regarding my account upon request, and I would like to point out that my information is not under any sort of data lock for prior privacy breaches -they have no reason to withhold my information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!

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 2023-01-29 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: NC

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!

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 2023-01-29 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX I received a credit card in the mail from Wells Fargo - that I never asked for. On XX/XX/XXXX I called them to ask why XXXX they said it was because I'd applied for financing and if I cancelled the account I might lose the financing. I had applied for financing through the XXXX XXXX XXXX in XX/XX/XXXX for plumbing services. The XXXX XXXX XXXX confirmed that they are not involved with Wells Fargo. I called back to Wells Fargo and was told that they would cancel the card and the account. This is phishing! Another underhanded way they are trying to drum up buisness.

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 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 the company by the name of EOS CCA has violated my rights. 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) States that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that any consumer reporting agency may NOT furnish a consumer report without the written instructions of the consumer to whom it relates. I have no knowledge of this company. I have signed no contract with EOS CCA. I found out about them when they appeared on my credit report. Damaging my credit score and furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian keeps reporting discover card and acceptance now and not updating my name and current address. XXXX XXXX is also doing the same with other account that are old and incorrect personal information being reported and XXXX as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the dark web by them. I am a victim of identity theft.

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 2023-01-29 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
made purchase on bj 's using bj 's credit card order was never deliver and bj 's did not give me a full refund i its been 6 months and they are refusing to give my full refund because of this i was denied mortgage loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account # : XXXX 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 an account without my written instructions.

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.

The information is not accurate and I would like for it to be removed from my report, immediately.

I have attached supporting documents. Please review.

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 2023-01-29 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
On XXXX Prosper Costal reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons. 
1. They reported a balance increase from {$370.00} to $ XXXXsince XXXX my balance has decreased but that information was not captured due to reason # XXXX XXXX. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}. 

I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information. 

Also on XXXX this same company reported to XXXX. They reported the same inaccurate information that they just had updated with XXXX. This caused my XXXX score to take a deep dive of XXXX points.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXX unemployment has released funds of {$7200.00} into my fathers account with Bank of America which i wasnt a secondary holder of, After the funds were deposited the bank supposed it was fraud actions being done only because i wasnt under the account i was only a beneficiary so they then closed the account and told me the XXXX XXXX XXXXXXXX XXXX department has to come forth for the funds. So i took action by providing documents to the bank and reaching out to XXXX XXXX department for a letter from unemployment stating that the funds were intended to be there. Ive reached out to both companies many times looking for a resolution over the years and calling lawyers to help solve the problem. Unemployment has continuously stated that they can not go forth for the funds if already deposited and the bank stands on only releasing the funds if XXXX XXXX Department comes forth

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase bank before I went to XXXX and told them I would be there in XXXX and to allow purchases and to be allowed to use my debit card at ATM machines in XXXX. ( I am sure that phone call I made was recorded ). I also told them that if they ever needed to verify me or my charges in XXXX that I would not have my American cell phone or access to that phone number with me in XXXX so that wouldn't be an option if they needed to verify me. I told them they would have to verify me through my email and or to ask me my security questions that I set up when I opened my online account. That only I would know the answers to. My laptop broke after being in XXXX for 2 months. I had already made probably XXXX purchases and or ATM withdraws in XXXX. So they knew it was me there using my debit card and there were no issues until my laptop broke and I went to an XXXXXXXX store to buy a new XXXX XXXX XXXX for around {$1100.00} USD. My card was declined at the XXXXXXXX store. Before I had a chance to call Chase customer service from my XXXX phone I went to get cash out of an ATM machine since I was out of cash to live on. My ATM cash withdraws that I tried to do were also declined. I was out of money and no way to pay for anything online including my hotel room bill or my plane ticket home, etc. etc and I had no cash to live on. I spent the next 3 days on my XXXX phone calling Chase fraud dept to have them unlock my account. I asked to speak to the supervisor and higher and higher up the Chase fraud dept I went from supervisor to supervisor until I reached the highest person in charge of the security dept. They never would unlock my account. They said the ONLY way they would be able to verify me and unlock my account was by my American cell phone number. I begged them to do it by my email and or my personal security questions but they wouldn't. I had no other credit cards or debit cards. They made me homeless in XXXX with no money for food or anyway to pay for a hotel or plane ticket home. Please help me get these evil doers. 

P.S. 

I have been to XXXX probably 20 times in my life and when this happened before I would just call them up and fix the problem in one call and they would unlock my account via my email and my personal security questions. The date this happened was around XX/XX/2022 give or take a day or 2 since XXXX is 15 hours ahead of California time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a customer of Wells Fargo since XXXX XXXX XXXX a XXXX  year mortgage paid off in XXXX XXXX XXXX  I am sure MY Home Mortgage would not have been the ONLY mortgage without problems during that time - during most years I was working an not able to keep up with all that was going on with the mortgage. I know the payment was increased regularly during the years the mortgage was in effect. Since that time there is a Heloc loan and a Auto loan. Social media says I should have been notified by now and I have not heard a word from Wells Fargo. I know they are very hard to get information from, when you call they never know who you need to talk to about any problems you may have. I am just seeking MY part of the payments they owe to their customers - Social media shows : Auto loan holders are owed at least {$4000.00} as part of the settlement. 

As for the Home Mortgage loans- Wells fargo has not even notified me about the problems and payments due. CFPB states : Those with mismanaged mortgages are owed more than {$24000.00}. 
As part of the settlement, Wells Fargo is required to notify customers and act swiftly on providing payments. You dont need to take any action to receive your payment. Some customers have already received their payments, says the CFPB.

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 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Debt Recovery Solutions is demanding payment from me for an odious debt that they have not legally validated as required by law as belonging to me much less that I have any legal obligation to honor a debt that has not been legally validated as being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NJ

Complaint narrative:
This investigation took longer than 30 days here is my tracking number sent certified mail XXXX In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Has violated my rig

hts 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 15 USC 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons 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