vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TN

Complaint narrative:
I'm looking to buy a new house and don't want the current extended fraud alert on my profile to hold me up at all during the home-buying process. I'd like to have it permanently removed and have supporting identification documents in the letter which I've uploaded below!

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 2023-07-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm looking to buy a new house and don't want the current extended fraud alert on my profile to hold me up at all during the home-buying process. I'd like to have it permanently removed and have supporting identification documents in the letter which I've uploaded below!

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 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: MI

Complaint narrative:
Date : XX/XX/2023 Amount : {$930.00} Company to provide refund : XXXX XXXX XXXX, MI XXXX XXXX Company to provide credit : XXXX XXXX XXXX Problem : Due to overcharge XXXX XXXX XXXX XXXX tried to pay me back {$930.00} as a credit to the original form of payment, which was my HSA ( Health Savings Account ) through " XXXX XXXX XXXX 
XXXX XXXX  claims they never received the funds from XXXXXXXX XXXX, making the amount disappear. XXXX XXXX claims their transaction was successful on their side ( and do not see any failure or a credit to them later ). 
Prior to the above ( around XXXX ), I had requested for my HSA funds rollover to a new HSA custodian- '' Benefits Wallet '' ( the new HSA custodian for my employer ). The day the transaction happened, XX/XX/XXXX, XXXX XXXX  closed my account with the rollover to Benefits Wallet. 
I did notice a " pending transaction '' in my XXXXXXXX XXXXk HSA account for XX/XX/XXXX, but it disappeared later. That suggests to me that the transaction was attempted with XXXX XXXX 
I have contacted both XXXX XXXX XXXX XXXX XXXX numerous times, but the situation has not changed. The amount, supposed to be given to me, has disappeared. 

Appreciate the support and response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: NJ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-07-13 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: CA

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-13 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: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been a customer of Bank of America since XXXX. I had over {$21000.00} worth of charges on two different cards. On XX/XX/XXXX I called the bank to pay off the balance which was about {$3100.00}. The agent I spoke to told me this would make my balance {$0.00}. On XX/XX/XXXX I saw a {$30.00} balance posted to my account. I call the bank and spoke to an agent that told me this was the balance of the interest. I told this agent that if there was additional interest the 1st agent should have told me that so I could have paid it. I was very upset but polite. The 2nd agent told me she would escalate the ticket to see if the interest charge could be waived. Two days later I called back and the agent told me the waive had been denied. I ask her what the was the reason the request was denied and she couldn't give me an answer. Being a customer who always paid on time and customer sinceXXXX, I couldn't understand why they would denied such a small amount. Especially since the 1st agent told me there would be a zero balance and didn't mention anything about additional interest charges

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 2023-07-13 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:
This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING

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 2023-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Every so often I get phone calls about an auto loan I have had with Santander Consumer and that I owe the company the remaining balance for a default loan that went into repossession. I have reached out in the past to Santander as well as today as far as this and they stated then as well as now that the account was closed and sold off to a 3rd party. I went to court in 2016 in regards to the past due balance and currently making payments still with the same company so I am unsure as to why I am getting these calls still but I have been getting these calls every few years since 2016 and this being processed in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Submitting a complaint claim XXXX. Wells Fargo claims assistance Center In XX/XX/XXXX A check made out to XXXX XXXX XXXX was stolen, altered and cashed. [ See attachment check # XXXX }. 
I did not become aware of this theft until XX/XX/XXXX because I was out of state helping my daughter who had just given birth. 
I submitted a claim on XX/XX/XXXX It took a few stressful months for them to send me an affidavit and submit a claim On XX/XX/XXXX I received a letter from Wells Fargo saying I would hear from them in 90 to 120 days. Funds would either be returned to my account or I would receive a letter explaining the outcome. It has been 120 days, I have not heard from them. I reached out to them twice and was told that some one would call me back in 24 to 48 hours. In both instances they did not contact me [ See copy of Wells Fargo Letter } My husband and I are XXXX  and XXXX years of age and we have been long term responsible clients of Wells Fargo I am hoping that you can help me reclaim these funds.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a promotion by mail from US Bank. It was to open a business checking account and keep {$3000.00} minimum balance for 60 days to receive {$500.00} bonus. I followed their instructions and I called them to verify. I was told that all looked good and the promotional code was on file with my account. I didn't disturb the balance and didn't withdraw any money for 60 days because I didn't want to cause any problems by having my balance fall below the $ XXXX which would disqualify me from receiving the {$500.00} promo. Then to my surprise, I received a statement where they charged me {$6.00} fee on an account that was supposed to have no fees. Of course, this caused my balance to drop to {$2900.00} but when I called them, they credited the {$6.00} and assured me that this wouldn't interrupt the promotion bonus. They told me to go online and change setting to paperless. I did so. Following month, I noticed another {$6.00} fee again and called again. They credited the {$6.00}. But now, XXXX months later, still no {$500.00} bonus and I am being told that I will not receive it because my account no longer qualifies since it had dropped below $ XXXX ONLY due to their {$6.00} junk fee. They were not willing to fix this problem and honor their offer. I felt scammed and I don't want others to fall for this " bait-and-switch '' campaign that they are running. They are in breach of their agreement and they owe me {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: VA

Complaint narrative:
According to ZION DEBT HOLDINGS, they bought a debt from XXXX XXXX XXXX for the amount of {$1300.00} which they claim I owe. They say XXXX didn't cut off their service until XX/XX/XXXX. I have not lived at that particular house since XXXX. I called XXXX right before I moved & told them that I was canceling the service. The representative ask if I wanted to transfer my service & I told her I couldn't afford it & to just discontinue service. I didn't save my monthly statements because I didn't think it was necessary. I have ask Zion for verification of the debt but the woman I talk to ( everytime I call ) tells me they don't have it. XXXX didn't give them that information. In the meantime they've put this alleged bill on my & my daughter 's credit. My daughter signed for me to get the service & now they're ruining her credit! Her credit score was 800+ but now it's steadily dropping & she's very upset. She just bought a car for her son & because of the credit score drop she had to pay a higher interest rate. We never thought anything about getting a debt in collections for a home security account. This woman had " repeatedly '' told me that this is a bill for services rendered but when I kept calling she now says it's a " breech of contract '' billing statement. I KNOW that this a mistake, possibly someone's else 's account. Now this woman from Zion is saying that I didn't complete the cancelation?!?!??? I have told her repeatedly that I called XXXX & canceled my service & the representative didn't tell me to do anything further. XXXX has already filed for bankruptcy again & I think that possibly they are making mistakes on their accounts & it is sorely unfair for my daughter & I to be hassled over a bill that's not mine to begin with. I am having trouble with my credit because of many bills because of my health problems. I have Lupus & several complications with it BUT I don't think it's fair to cause my daughter to lose credit points because of a mistake. She works very hard ( nurse ) for her money & she prides herself for having a great credit score & I was starting to work on mine but this has drug it down under 500. I know I'm repeating myself but I just want to make it clear that this is most definitely a mistake. One more thing I don't understand is WHY has this so-called bill just now surfaced? I hope you can get this resolved. My idea of a resolution would be for Zion to release my daughter & I from this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergont Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inquiries on my credit report that do not belong to me

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 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-07-13 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: Mercedes Benz Financial Services
State: WA

Complaint narrative:
A dealer checked my credit without explanation and my permission on XX/XX/XXXX at XXXX XXXX XXXX, Washington. While my father bought a car for me, a dealer said i should be as a cosignor on financing document. I didnt sign any financial documents at all before they run credit score. I didnt even know that he checked my XXXX XXXX until i got an email that Benz inquired my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed these accounts for several months and I have not gotten any responce...

Company response to consumer: Closed with non-monetary relief