vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I keep my capital one account paid by autopay. For some reason, the interest rate increased but they kept my autopay the same. This caused my account to be short by XXXX dollars!!! I was made aware when I checked my account which was over a month after the fact. I do not normally check the account when Im on autopay especially if I see the amount is taken out of my bank account every month. So because of the {$3.00} short, capital one is reporting that my account is over 30 days late which is having a big effect on my credit score. In talking to an agent, she claimed that there was nothing that she could do. She also stated that I should be careful in the future. 
I feel that I should not be considered late when capital one increases the payment and creates a shortfall on my auto-pay payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was computer hacked. The hackers took {$5000.00} from my personal checking in the form of a purchase charge from a company I've never heard of. The same day Wells Fargo authorized a {$1000.00} XXXX transfer to someone I have never heard of. WF refunded me the {$5000.00} as they could apparently verify that this was an illegal transfer. However, they refuse to return my remaining {$1000.00}. The required me to fax any documents to support my claim of being hacked, so I spent {$12.00} at XXXX faxing copies of my XXXX, XXXX, XXXX... etc accounts that were shut down and needed to be reset. Not only did they deny my appeal, but they never contacted me to ask what happened or tracked down who the money went to. They simply don't care. I work very hard for my money and apparently Wells Fargo does not. This was 100 % fraud and they refuse to resolve the issue. There is a hole in their XXXX system and in their investigating practices. I am Outraged!

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 2023-02-09 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: GA

Complaint narrative:
I am in the process of purchasing a home and in doing so I had to pull my credit reports and found there is an inaccurate item and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due twice according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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 — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXXXXXX XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ).

New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 
If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ).

If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: SC

Complaint narrative:
I filed my first XXXX Data breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX XXXX TRANSUNION XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: SC

Complaint narrative:
I filed my first XXXX XXXX breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX EXPERIAN XXXX XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: IL

Complaint narrative:
I have attached a copy of the latest report from EXPERIAN. I have previously submitted a police report # stating I was a victim of identity theft. Someone claimed my on their taxes in 2014. I have fraud alerts on my credit files I thought. This report shows SEVERAL addresses I have never lived at around the same time frames but all different locations. How is this ever possible. If EXPERIAN was truly verifying information they would see there are multiple address around the same time and some in different states, this is a red flag. The items Highlighted in YELLOW are the address I have never lived at. These are all VIOLATIONS and shows EXPERIANS consistent willful noncompliance with inaccurately and incompletely reporting fraudulent information that does 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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have been trying to contact and dispute this account for over 2 years now with no proper verification of this debt. I have sent letters and all valid documents starting in XXXX of XXXX. I finally received a response my second time asking for validation in XXXX of XXXX and was told the Convergent sent all information to sprint XXXX XXXX and is still awaiting a response. Sprint is not responding to the company and the company is not able to send me anything that proves i am responsible for the alleged debt after 2 years of negatively reporting to the credit bureau horribly affecting my credit report. 
I want to be explicitly clear with my request. I have not requested validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. Over the past almost 3 years that I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: OH

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: NJ

Complaint narrative:
I am writing this without prejudice and on my own accord. 
Equifax stated my account was properly investigated and verified that is impossible given the following. 
My account is being inaccurately reported ; because it shows date last active as XX/XX/2023 when in fact there was NO activity XX/XX/2023 on this account. The date opened, and date last reported is also being reported inaccurately. 
This is illegal and fraudulent and grounds for removal. It is a violation of my rights under 15 U.S.C. 1681 section 602A. Which states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: OH

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A friend decided to use my card and rent a car from XXXX I was a little upset at first but I got over it. But she picked it up at XXXX XXXX  and at XXXX that same morning it broke down she could n't drive it had no brakes. We called the guy we rented it from and he said he would swap it out for another vehicle seeing the rental agreement was for 3 days at the sum of XXXXwell we never got a replacement in fact the car sat in the place it broke down for almost 10 days until someone stole it ( have report ). Bank of America refuses to credit my account and closed the case without even asking me for my side of the transaction. Nice research dept.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: KY

Complaint narrative:
Purchased pre-paid XXXX XXXX from XXXX XXXX on XX/XX/2023. 
Called number on back of card to activate ( XXXX ), system put me into a call with customer service representative who told me the card could not be activated due to being compromised. Was advised to go to XXXX XXXXo file/upload documents supporting the purchase of card ( Drivers license, front of card, back of card, reciept of purchase and activation status receipt ) Documents were uploaded. Waited 7 days before calling back to check on status of replacement card. Was told no documents had been received. Was advised to fax documents to them ( XXXX ). Waited 7 days before calling back, was told fax had been received, but documents, specifically Drivers License was unreadable and told to enlarge document and upload through their website. Documents would not upload. 
Called back ( now, XXXX XXXX, 2023 ) and was told to fax documents again and that a case number had been created to reflect issue on uploading documents to their web site ( case # XXXX ) I asked and was denied to speak to a supervisor on all calls. Customer Service Reps all spoke barely understandable English and I was disconnected/hung up on several times. I've had it. I want my money back and ideally the money it cost me to send faxes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My online account was hacked and a debit card was sent to an unauthorized individual, who in turn used the card to withdraw {$5000.00} from my business checking account. I disputed the transactions with the bank and instead of resolving the issue they just locked my account and closed it.

Company response to consumer: Closed with explanation