vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: NV

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, XXXX - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
A few months ago I deposited {$10000.00} to my Chime checking account, from a XXXX XXXX XXXXXXXX account in my name. 
The transfer went through without issue. 
Then I tried to use the funds ( transfer to a broker ) and Chime suspended my account. 
Since the I have been stuck in a customer support XXXX wasting hours and getting back automated or scripted replies asking me to send more documents or send documents that they already have. 

I submitted proof to Chime that the funds came from my own XXXX XXXX XXXXXXXX Account. It's clear there is nothing fraudulent here. It's clear that they don't care about resolving critical customer issues reasonably and quickly. I need to pay bills. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-06 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: VA

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
On XXXX XXXX I received a hard inquiry from XXXX that I didn't request.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello My name is XXXX XXXX. I paid XXXX XXXX my XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX. The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.

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 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Can't find the account number for the account that I have with cash app and can't find it on the app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello My name is XXXX XXXX. I paid XXXX XXXX my XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX  The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX  Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries form their violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: FL

Complaint narrative:
I XXXX XXXX contacted these companies multiple times and now fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
I XXXX XXXX sent Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. These companies under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and subsequent reinvestigation, companies stated in writing that companiesverified that these items are being reported correctly? Who verified these accounts? Companies have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a wellsfargo customer since XXXX, as employee of XXXX XXXX and XXXX i recieved my wages into my wellsfargo account. 
These are the account numbers i had XXXX This is the first account in which i recieved pay cheques. XXXX. 
As XXXX  employee i was transferred to XXXX and forced to start a XXXX relation. I wrote a wellsfargo cheque. This resulted in me being harassed to leave XXXX XX/XX/XXXX and i never had income past it. My total savings as cash was below XXXX dollars. In XXXX i paid XXXX  my wife XXXX help from my XXXX account. In XXXX a taffic police XXXX attacked me in front of XXXX town hall and made me leave retired life in XXXX to waste about XXXX dollars in XXXX california where i wasted time being customer of XXXX XXXXXXXX XXXX suspects to this situation. I recieved a us social security statement in mail that if i become XXXX i would get XXXX dollars a month. I rented in XXXX, bought furniture sold, car and sold .. After i filed dispute with XXXX in XXXX XXXX XXXX XXXX XXXX harassed me at airport and forced me to sign XXXX. I did not accept it but i did not get ombudsman settlement in wellsfargo and i was deported in XXXX. I never closed wellsfargo relation. This is some cheque i should have recieved when i entered XXXX in XXXX. Instead they have murdered a cousin i suspect and used that as reason to force me to sign XXXX and i do not have now wellsfargo usa or XXXX XXXX relation exploited by XXXX and XXXX. I opened XXXX XXXX using my mothers house sale and maintained XXXX. I registered XXXX XX/XX/XXXX as XXXX  i paid XXXX XXXX  training using wellsfargo and XXXX XXXX XXXX credit card. I demand restoration of my wellsfargo account and i want the IP of my three books one of which is XXXX XXXX XXXXXXXX given to me. I want help to find XXXX  my wife as it is being used not to give me money. I closed XXXX  XXXX XXXX IRS has taken XXXX or so dollars unncessarily from my account in 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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries form their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-06 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello My name is XXXX XXXX. I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX. The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX. Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: NC

Complaint narrative:
I applied for a FHA loan with Guaranteed Rate, everything was going smoothly. Due diligence was scheduled to end on XX/XX/XXXX, suddenly on the XXXX Guaranteed Rate said that I would need a co-signer to be able to get the loan. I started shopping for other companies that would be able to close the deal. XXXX XXXX took a look at everything and said that they will definitely be able to work with me. I called Guaranteed Rate at XXXX XXXX on XX/XX/XXXX and asked them to transfer the file over as I can't find a cosigner. Around noon XXXX of Guaranteed 's employees emailed XXXX saying that they would need something in writing from me to authorize the transfer, I immediately responded around XXXX stating as such. I called Guaranteed  to make sure that everything was being handled, and was told that XXXX was working on transferring everything over, this was around XXXX XXXX. At the end of the day XXXX 's underwriter pulled the file and was going to begin working on it, this is when it was discovered that someone at Guaranteed had filed in the FHA portal that I was denied due to lack of income and funds. This is false information, I have the cash on hand needed for closing, and work a full time job that makes more than enough to cover the mortage, utilities, and cost of living. At no point did any employee of Guaranteed Rate say that I was denied until magically receiving an email dated XX/XX/XXXX. This is obviously in retaliation of my pulling the file from them and going with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
A credit card was opened under my name years back with XXXX  XXXX XXXX. I only learned of it when it was placed in collections to Midland Funding LLC. I contacted them at XXXX ( XXXX ) XXXX on multiple occasions to inform them that this account was a fraudulent account. In XXXX I called to figure out a way to get the collection off my credit, their solution was to pay {$130.00} and they will remove the collection. I was given a receipt, I was informed that I would receive documentation through the USPS mail. Although the account was fraudulent, I really needed my credit fixed. Out of desperation I gave them my banking information. As of XX/XX/2023, my credit score is heavily compromised by the collection company failing to report. Today I called XXXX ( XXXX ) XXXX ironically the number is no longer a working number. How are people getting away with stealing from hard working individuals. In total I have loss {$130.00} and I have a {$380.00} collection from Midland Funding LLC on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
My identity has been stolen and there has been several attempts to get online payday loans using my social security number. The most recent incident was on XX/XX/XXXX with XXXX. I received a credit alert that someone was trying to apply for a short-term loan in my name. I have put a credit freeze on my credit reports earlier this year from another incident with payday loans. I am worried that these attempts at payday loans are affecting my credit. I am also worried that my Social security number is unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TX

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

Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 30 days Late Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargedoff Past due amount {$180.00} Fraudulent Account : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charged off Past due amount {$530.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$170.00} Fraudulent Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/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 2023-03-06 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: MPOWER Financing, Public Benefit Corporation
State: NY

Complaint narrative:
On XXXX XXXX I received a hard inquiry from MPower that I didn't request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NJ

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 third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation