vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: SC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I spoke to Wells Fargo Auto on XX/XX/2023 informing them that Im unable to afford my monthly auto payments. I was informed by the associate that Im eligible for a 3 months deferment based on the history of the account. 

The reason for requesting a deferment was because Im a self employed businessman and business has been slow since the beginning of the new year due to reduced consumer spending and increased inflation. 

As a result weve experience over 80 % decline in sales on a month by month basis which qualifies as a financial hardship. 

Ive already liquidated my shares and stocks and the proceeds are expected to arrive by XX/XX/2023. 

Im now asking that Wells Fargo Auto grant my deferment request for at least 60 days that way I can resume my regular auto payment beginning XX/XX/2023.

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX I made a balance transfer to an Elan financial Services credit card with a XXXX percent promotional rate for XXXX months. I do not typically use the card for day to day use. in XX/XX/XXXX I made a charitable donation for {$20.00}. XXXX days later on XX/XX/XXXX, the company assessed a {$1.00} fee for minimum interest on the {$20.00} donation - 5 % interest or 60 % annualized interest for the same billing cycle. My current purchase APY is 18.24 % as noted on my statement. On XX/XX/XXXX I contacted the company to inquire about the charge and the woman on the phone insisted this is their standard practice. I have never been charged interest within the same billing cycle, never mind XXXX the stated rate.

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 2023-01-27 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: OH

Complaint narrative:
I have been a victim of Identity theft I have no idea where this account came from and it is not my account.

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 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by Defi-ai.org, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm.

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 2023-01-27 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX. Account number. XXXX has violated my rights. 
15 USC 1681 section 602 A. 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer

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 2023-01-27 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: NJ

Complaint narrative:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00}

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 non-monetary relief
Consumer complaint received 2023-01-27 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: SC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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 2023-01-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
investigation/reinvestigation into every aspect of any delinquency You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and ) compliance with all XXXX reporting standards Case # XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Go Format compliance since, per the CDIA, DNP 3-4 " Any deviation I from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

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 2023-01-27 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: MI

Complaint narrative:
Hello I called XXXX  demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. 
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 XXXX 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 explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello I called XXXX demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over 3 months ago, capital one made the decision to close both my accounts ( checking and savings ) with them and end our banking relationship just because I authorized the transactions I made using my debit card with them. I had {$82000.00} left in my checking account and {$50.00} in my savings account. The account was going to be closed and a check will be mailed out to me for the funds they said and it's been over 3 months now and I still haven't gotten my check or heard back from them. Each time I called they never have any information about it nor is there someone I can talk to from their supposed " back-office ''. I have called severally and it's the same XXXX  every time. It's annoying. I couldn't get gifts for my family over the holidays and now I'm struggling to pay my bills or even feed my family. I remember calling capital one to ask them to release a portion of the funds to me so I can pay some of my bills and they took down my information that they already had and said someone would call me. That was over a month ago and still nothing. I have no means to get my bills paid and racking up loads of credit card debt to stay afloat. This is beyond ridiculous at this point. There's no way it's taking over 3 months to close out an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I just seen a statement that i never seen before from car loan people which is exeter finance llc and it show that all my monthly payments went toward interest i told two different people in the beggining that i want my payments to go toward principle so can you please correct that and put my past payments toward principle its too much thats being done wrong with exeter finance and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX, Bank Of America, XXXX XXXX have all closed/or denied me of opening accounts because of suspicious activity I have nothing to do with. Id like to open a bank account all banks are saying the same thing.

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 2023-01-27 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: SC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
unknown debt was placed on my credit report XX/XX/22. receiving harassing calls & damaged my credit. please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This bill was paid by the insurance company past 12 months ago, now I am being charged again for the same debt. 
The hospital states that payment was recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have open a cash app account in XX/XX/XXXX. I made it my savings account for my child I had on the way. I had placed the account in my, with my DOB, SS # when the account was created. I had sent 3-4 payments ( $ XXXX ) to the " baby 's savings '' account from my " A 1 '' cash app that use on a normal day to day activities. 
The email that was registered to " Baby 's Savings '' account was lost when I had broken my phone. I had contacted Cash Support in XX/XX/XXXX in regards to helping me regain access to the account. I was asked to provide photos ID an to create a new cash app account to transfer the funds from " baby 's savings '' to the new cash app account. After cash support received ID as requested I contacted them again to get started on the funds transfer. Multiple times I was hung up on when trying to explain an or asked not to call just email on the app. Cash support would never help with emails back an forth. Again I contacted Cash Support by phone requesting access to my account. I was informed for " security reasons '' I could not have access to my account " baby 's savings '' an was immediately hung up on. I tried numerous times to speak with different cash app support customer service Representatives an again an again I was hung up on. 
XX/XX/XXXX, was my final attempt to contact cash app in regards to regain access to my account. I had followed all requested procedures " ID summited, creating new cash app an wait to be contacted ''. Cash support informed me a balance transfer an regaining access to account " baby 's savings '' was failed an nothing they can do to help once again.. and abruptly hung up on me immediately. The cash tag for the " baby 's savings '' is $ XXXX. I want my money back from this company an the account closed immediately. This is a fraudulent scheme that's being played to launder my money and not give me access to it. There's no reason for them not to give me access to my cash app account that's in my name was my social security number. I am infuriated with the customer service disrespectfulness and unwillingness to help cure the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022 I logged into the Credit Acceptance website as I always do and I paid my final car note which I have proof of. I paid the full balance of what was showing on the site at that time. A few days later I was alerted that there was a late payment reported to my credit. When I called Credit Acceptance to inquire about the late payment they stated that I had a {$18.00} balance that I was unaware of and that was not showing on their website when I paid my bill, however I paid the {$18.00}. 

I was never 30 days late paying my car note and I would like my credit report updated. I have proof that the payment was paid at the time I stated which will not make it 30 days 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 2023-01-27 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: TX

Complaint narrative:
I have tried to fix this issue with each credit bureau, XXXX, XXXX and Equifax for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NJ

Complaint narrative:
I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Chargeoff Past due amount {$870.00}

Company response to consumer: Closed with explanation