vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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:
XXXX, XXXX, Equifax XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TX

Complaint narrative:
XXXX, Experian, XXXX XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Our Wells Fargo card was used fraudulently on XX/XX/22 at a vendor called XXXX XXXX for XXXX purchases totaling {$7900.00}. My complaint ( besides not yet being reimbursed for the fraud ) is that Wells Fargo has told us they've " looked into it '' and done " research '' when they haven't. I've been told multiple times by both the vendor and police that they have not been contacted by Wells Fargo. 

Here is a timeline of events documenting our experience : XX/XX/22, XXXX - Purchased gas at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XX/XX/22 XXXX XXXX - Received notification from XXXX of a suspicious purchase at XXXX XXXX for {$7900.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - Received notification from Wells Fargo of a suspicious purchase at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$4000.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - XXXX XXXX transactions approved earlier by Wells Fargo XXXX XXXX XXXX XXXX, XXXX {$3700.00} and XXXX {$4200.00} totalling {$7900.00}. Immediately reported as fraud. Claim was denied by bank because Wells Fargo thinks the chip was used during these transactions. 

XX/XX/22 at XXXX - Police report submitted at XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX. XXXX. 

XX/XX/22 at XXXX - Called XXXX XXXX to ask about the incident and to request any evidence they had of the transaction. Spoke to XXXX XXXX at XXXX and was told to call back the next day after they get information from their accounting department. Informed that video footage is overwritten every 30 days so they no longer have that. 

XX/XX/22 at XXXX - Called XXXX XXXX back. Was told that Wells Fargo needed to contact them directly for the receipt information. 

XX/XX/22 at XXXX - XXXX Wells Fargo and spoke to case XXXX XXXX XXXX XXXX ext. XXXX and fraud department to have case reopened. Informed them they needed to contact XXXX XXXX directly for information. 

XX/XX/22 at XXXX - XXXX Wells Fargo Customer Service to ask when the transactions occurred, they do not have that information. 

XX/XX/22 at XXXX - Called XXXX at XXXX XXXX  to follow up/make sure Wells Fargo and Police have contacted them - no one has contacted them.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has locked my credit profile and has prohibited my ability to obtain credit. 

I have called the number on their website to talk with a live agent. 

I have also mailed and Faxed a request to unlock my profile so that XXXX party reporting agencies ( XXXX, XXXX XXXX, etc ) can obtain data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FlexShopper, Inc
State: NY

Complaint narrative:
I never requested or submitted an application to XXXX XXXX I never Received a card at my address which lead me to discredit the callers calling about any collections on this account valid. I never Bad established credit or had ever been approved for a credit card until 2019 when I applied For a secured credit card. Prior to this I was Always denied. I never Had a credit card prior to this or to my knowledge was ever given the opportunity. If this collection or debt is valid then it was not done by me and if so it was impossible since I never received any card or evidence by mail it would be physically impossible! 

I also never received any type of service from FLEX SHOPPER. 

I have e-mails where I had finally been lead to believe they accepted my situation where I never ordered or received any of their products that had been suggested I ordered Regardless I never Received any such item at my address or I would have refused or returned such items I had No clue of. After Flex shopper conducted their own extent of investigating this they concluded that everything I had told them to be true and would refund this apparent account I had. I assumed that would suffice and that would be the end of it. I had Never heard of the company before and I explained all this to them. They acknowledge this in this emails and here I am Years later still trying to provide my supporting documentation years later to be relieved of these false reports which are unfair but completely inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
sent certified letter to XXXX requesting a settlement of this alleged debt. did not receive any communication from XXXX regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IA

Complaint narrative:
XXXX, XXXX XXXX, XXXXXXXX XXXX  In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-08-30 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:
This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX XXXX Account XXXX : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXX Bank ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX 5. Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-08-30 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:
This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX V ) Account Number : XXXX 5. Account Name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
Accordance with the Fair Credit Reporting Act Convergent Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I applied for a loan modification in XXXX of 2022. I called the bank 2 times a week for the past 5 months. Every time I call they give me a list of documents missing. Each list has nothing to do with the prior list that I submitted. Once they get all the documents they need then they come back and ask for updated bank statements. After I send that in they make an excuse that a page or 2 was blurry, then they ask for an entire new list which again has nothing to do with the bank statements. One more example is they asked for a Profit and loss statement. After months of sending updated docs and even this profit and loss they recently stated they wanted the profit and loss one month at a time not all 3 months together. It seems they are doing everything in their power to stall this process out and take my home in a foreclosure. We have gone to court on this matter as well and the court has moved the sale date 2 times. The attorney for the bank has not been helpful at all, although in court he is very nice and states he will try to help ; but outside of court he has been rude and unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/2022, I was messaging with someone on XXXX who I thought was going to help me with my XXXX, but he talked me into sending him {$60.00} through Zelle from my bank. This turned out to be a scammer who just wanted full access to my bank account because as we were messaging each other, this gentleman was quite persistent and impatient with me giving him my bank login information. He also seems to use other people 's phone numbers to receive money from Zelle or XXXX. 

I had called my bank the very next day and the customer service told me that he definitely tried to access my bank several times that day, but luckily my bank knows which devices I use and my location and they blocked him from having access. 

However, they were unable to reverse the {$60.00} because my bank mentioned the process was instant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dates from XXXX to XXXX. Ach withdrawls were transfered out of my account into another account that wasn't mine. Total amounts they calculated was XXXX but I calculated XXXX $ that was missing according to my bank statements. on XX/XX/XXXX I noticed XXXX XXXX Bank was listed as one of my external accounts ( which it never, appeared before XXXX ). I contacted Navy Federal and ask about the XXXX XXXX accoun, t, the representative said that I opened it in XXXX of XXXX, I told him that i didn't open that account and ask him for more information he didn't have a phone number but he gave me an account number # XXXX. So I started by calling the XXXX XXXX branch in XXXX and told the person why I was calling, he said their accounts didn '' t start with the number 2 theirs started with 3 he told he was going to transfer to another branch which was in California I told the rep why I was calling she asked for SSN number and verified I didn't have an account with them. Navy Fed had me to fill out form 82 and send it to them with dates and amounts and I did. They replied back and said that there was error on account activity and that I was responsible for the full amt.I appealed it requesting their findings. they never replied but closed my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: GA

Complaint narrative:
To whom it may concern, I am very upset with Experian. At this point I have a valid reason to file a lawsuit for incorrect reporting on my credit report. As of XX/XX/2022, Experian has intentionally changed the status of 15 XXXX XXXX XXXX XXXX  accounts in which I paid on time every month. Not just one loan account but 15 XXXX XXXX XXXX XXXX accounts. I paid the accounts on time every month. I just noticed Experian changed all my loan accounts that were paid on time and paid off accounts to charge off accounts in XX/XX/2022. I am not sure what representation has been working in my credit file but this a serious issue. This is resulting in a negative matter and it's hurting my credit file. I spoke with an attorney on today, he suggested I reach out to Experian to allow them to fix the mistake. I am giving Experian 72 hours to fix this mess they created. XXXX XXXX XXXX XXXX have reported those 15 loan accounts on time as they should. Experian took it upon themselves to mess up the reporting of those accounts. I have listed the account number below : XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct.no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct.no XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX *Experian is responsible for this mess up and I want it fixed immediately. All of these loans were paid as agreed and on time and XXXX XXXX XXXX XXXX reported these accounts to Experian with a perfect payment history and Experian took it upon themselves to ruin my credit history by changing all account to charge off accounts. These accounts were not charged off, they were paid on time and in full. Please fix what you messed up immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC says they are closing my account and they will return my money once the account is closed, however, it's been almost 2 months since this started and still have not received my money. The bank gives me no explanation as to why they are keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IA

Complaint narrative:
XXXX, XXXX XXXX, XXXXXXXX XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-08-30 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: IA

Complaint narrative:
XXXX, XXXX XXXX, XXXX BANK In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation