vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I realized that lately every time I apply to open a Checking Account I get a letter DECLINED, and the reason they refer me is " due to negative information on your ChexSystem Report ''. 

So I ordered a report and I indeed did see that 90 % of Information is wrong, in particular a XXXX XXXX checking account which is reporting from XX/XX/2019 as a charge-off. 

I tried several times Disputing it with ChexSystem by sending them Dispute Letters and they never responded. Until they responded with a letter today saying that they verified with XXXX XXXX  that the account does belong to me. 


I believe there's no need for me to even go into details about all my phone calls with XXXX XXXX  and so on. THE BEST EVIDENCE THAT IT IS IMPOSIBLE FOR THIS ACCOUNT TO BE MINE IS TO SIMPLY GO TO XXXX XXXX  'S WEBSITE AND CLICK 'APPLY FOR CHECKING ACCOUNT ' the first question they will ask you is your zip code, and after I enter my Zip Code which is XXXX ( and ChexSystem also agrees my zip code is XXXX ) a message comes up from XXXX Bank XXXX WE DO NOT OFFER ANY PRODUCTS in your area. 

I will be attaching a screenshot from XXXX Bank showing this message hoping up if/when I try to Apply or Open a Checking Account. 
I will also attach my ChexSystem report, whereas you can see on the first page my ChexSystem R
eport Number, and you'll see the Negative Account which they are wrongfully reporting on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: GA

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. 

XXXX XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX OF XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : 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 : 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 in
accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Dispute against Wells Fargo Bank XXXX occurred : XX/XX/XXXX {$580.00} reversed made on my account ( incorrect ) XXXX received a notification that there was a duplicate deposit made and XXXX decided to reverse the funds without investigating. This has been ongoing since XX/XX/XXXX. They made me contact my employer and other banking institution to resolve this matter and even being on a conference call with all parties, XXXX still was not able to assist or just hung up. I have spent hours and days from XX/XX/XXXX til today XX/XX/XXXX XXXX speaking to many reps and everyone has a different answer. That or the reps were fed up with me calling in so many times and disconnected the call. XXXX led me to believe that the claim was being worked on and every couple days the claim would close for the first reason. Some reps would say the claim numbers I provided did not exist and would submit another. I had no say in the doing so, so I just let them create another claim. One rep told me there is no use in me filing anymore claims because it was just going to close for the same reason. Others couldn't find my claims and others did not help. Transferred to thousands of depts with no help and each day was like that. I was told that my employer needed to dispute the case and others said my other bank needed to dispute and some said I needed to dispute it. No answer was consistent with the other. I am tired from calling and spending days and hours on the line waiting for no help. If they reverse my funds it would only be right if they put it back. Going through all this is like pulling teeth and at this point I'd rather go through teeth pulling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: AMERICAN HONDA FINANCE CORP
State: CA

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plans as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MI

Complaint narrative:
I have filed numerous disputes with Experian. Every time Ive called or checked on their website about a dispute, Im always told that the creditor says the information they reported is accurate. That tells me Experian didnt investigate at all. A creditor is suppose to provide documentation to verify their claim and usually the consumer gets something in writing in regards to the dispute. Ive disputed the same items with XXXX and XXXX and the creditors take action. Ive asked a few creditors why didnt they update my Experian report and was told they never received any kind of dispute from Experian. Experian is in clear violation of FCRA by not making my creditors verify the debt, check payment history for accuracy and actual debt owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
The Navient loan is in XXXX XXXX XXXX 's name, a XXXX XXXX private student loan # XXXX, is being reported as a defaulted XXXX loan through what is called XXXX which is there to monitor Federal debts and prohibits FHA Mortgage loans if there is a default being reported. This loan is not a XXXX student loan, this is wrong on so many levels and destructive especially at a time like this in our country. 
Navient is well aware that this loan is not a XXXX loan and that it has no association with any XXXX agency. Navient has been sued by multiple states they are very pleased to report this loan as a private loan. They are also very pleased to announce this loan does not have the protection the XXXX loans under the XXXX XXXX, and have no work out for customers for the XXXX time period. 
I actually found the original loan papers to confirm this loan as a XXXX loan. We have also finally, figured out this loan can actually be in a in-school deferment status and there should not delinquency at all during 2020 to the current date. 
Navient will not correct their reporting and will not remove the default from the Federal reporting through XXXX  and therefore, I can not proceed with getting my FHA Mortgage XXXX loan closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for XXXX, trans union and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for Experian, XXXX XXXX and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: PA

Complaint narrative:
I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stern Recovery Services, Inc.
State: SC

Complaint narrative:
Debt is by someone with a similar name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I was looking into rates for refinancing and XXXX XXXX or Factual Data said this was just a quote and was a soft inquiry now on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX is a closed account and I would like it taken off my credit report and they will not let me. XXXX has removed it why will experian not?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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 XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Purchased XXXX airline tickets from Amex travel. Partially used points and charged the rest on XXXX card. Got confirmation and points were deducted and pending charge on account showed as transaction immediately. They never purchased the tickets and came back 5 days later and stated there was an error with my XXXX code. A representative later communicated this is not accurate because the charge went through and points deducted but they were not sure why the tickets were not booked. They notified me at XXXX at night and canceled them XXXX hours later. We called at XXXX XXXX when we woke up and opened the email that there was an issue. We were told that we had to rebook and tickets were {$12000.00} more in total than what we had paid and confirmed for. After 15 hours over 8 phone sessions and getting the run around, we were notified 14 days later that they would not honor the booking and blamed our XXXX code which is a lie as the charge could not have been made as pending if it was wrong according to their own rep. I asked them to record an official complaint on three different occasions and twice more on app but am doubtful that they did as I never received any help or response. I feel that they defrauded me and have been a customer for XXXX years without as much as a late payment. Something is wrong at this company and it has changed. I believe that the price of the tickets went up substantially after I purchased them and they found a way to back out by making up a fake reason and insisting that they emailed me XXXX things when only onewas sent which we responded to promptly after getting in the middle of the night. The first XXXX were apparently sent from XXXX teams which makes me think the issue was on their end as the third was a local based team. We triple checked all spam folder and had no issue getting the one sent in the middle of the night from the XXXX based team. Please prevent this from happened to someone else. They need to be held accountable. I will be discussing with our rep in congress who is very interested in these issues and letting them know that I have logged a complaint with CFPB. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to temporarily remove a freeze I have on my credit report through Equifax. Unfortunately, an important line of credit I am trying to open will be using the report made by Equifax, and their service has repeatedly been down and I am unable to use my credit. I have been able to unfreeze from the other XXXX major credit bureaus but this one has repeatedly been unhelpful and takes my credit hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Motolease, LLC
State: NV

Complaint narrative:
Motoleasee has reported invalid information to my credit report. I have contacted them that they reopened a close account last year in XXXX and reported more than 7 payments late. The Motoleasee account has been closed since XXXX because my motorcycle was repossessed. I have disputed it many times with XXXX XXXX  and finally they closed the account XX/XX/XXXX and the very next day they opened the account again. That the account is verified as open. This is inaccurate and have contacted Motoleasee as they told me they wont close the account now until I make a payment arrangement with them and that they will delete all those late payments inaccurately reported to my XXXX report only if I start making payments. Motoleasee has been closed on my account for 6 years and should be no reason why that account was reopened. It still shows as closed on my other credit reports. Not only that.. when I spoke to them my balance is not correct either showing I owe more than what I was told. I dont think its right that they reopened a close account and they should not be able to report late payments to anything when I never agreed to anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Im accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

The USC 1681 Section 602 states I have a right to privacy.

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

The USC 1666B : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation