vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: IL

Complaint narrative:
I received copies of my credit report currently and saw inquiries that I have reported to all XXXX credit bureau on more than XXXX occasion. I have placed more than XXXX disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all XXXX credit reporting bureau ( Transunion, XXXX, and XXXX ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : Transunion : XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX XXXX XXXX XXXX XXXX  Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquire on XX/XX/XXXX ( Twice ) Inquire on 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 2023-07-12 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required 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 your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You 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 ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: CA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required 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 your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You 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 ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

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 2023-07-12 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: AZ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX I had a flood at my house and needed repairs. I received a HELOC from Wells Fargo. They gave me the impression that was borrowing from the equity of my home at a low interest rate. Come to find out, it is a variable rate loan ( I would have never signed up for that ) and that it is a 30 year loan! Who would take out a loan for XXXX for 30 years?! What kind of bank loans {$17000.00} on a 30 year note!? This is 10 years past when my mortgage was scheduled to be paid off. I could not believe what I was being charged. For the last 8 years, I have paid {$100.00} a month with 80-90 % of the payment going to interest. In the last 8 years, I have paid only {$1400.00} on the principal of the loan and over {$8000.00} in interest! Wells Fargo stopped offering the HELOC because it is such a terrible product but has offered no compensation to those currently being ripped off by their HELOC. I do not recognize my signature on the paperwork they gave me. It does not look like I signed this. I called a couple years ago to refinance, and they told me it was not a good idea. I talked to them today and they basically told me there was not help for me because I agreed to those terms. I have listened to XXXX XXXX since XXXX and I would have never signed a loan for these terms. I do not believe I agreed to these terms as they are ridiculous, even if you don't know what you are doing. I feel like I was taken advantage of and stolen from by Wells Fargo. Is there a class action suit I can join? Anything?? I know WF has been sued over HELOCs

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America checking account. I mailed a check number XXXX to pay my estimated income tax. It was cashed on XX/XX/XXXX, and my bank statement reported it as " XXXX XXXX XXXX XXXX XXXX PAYMENT CHECK # XXXXXXXX XXXX : XXXX XXXX  ... '' in the amount of {$1200.00}. It was debited to my checking account. 

On XX/XX/XXXX, I received a letter from the IRS saying that I owed them {$1000.00}. ( I was expecting a refund of {$150.00}, and XXXX XXXX XXXX XXXXXXXX {$1000.00}. ) It showed three estimated tax payments but not the one on XX/XX/XXXX. First I contacted the IRS to see if they had mistaken that check for another tax year or another tax return. After researching, they said no, they never received that check. 

On XX/XX/XXXX I called the Bank of America. They asked if I had a check image. No, when I clicked on my old bank statement a message said, " No image is available for this check because it was processed by the merchant as an electronic transaction. '' They connected me to the fraud department at XXXX, where they told me that they would verify with the Treasury Department and in any case I would be credited the {$1200.00} within 10 business days. They gave me a dispute number XXXX. 

On XX/XX/XXXX I called to ask the status of my complaint, and I was told that they were researching with the IRS, escalating to the back office, and to expect a resolution by XX/XX/XXXX. 

On XX/XX/XXXX I received a call from the XXXX dispute office. I was told that the fraud department was not the right department to pursue this claim, and that they were closing the fraud claim and opening a new XXXX dispute claim. I could still use the same dispute number. A representative named XXXX said she would take full responsibility for this case. I never heard from XXXX again. 

On XX/XX/XXXX I called for an update. I was told that the dispute was now a " non-Reg E '' dispute, which they declined to explain to me, and that the clock for resolution had restarted on XX/XX/XXXX and was due in 45 days. Distrubingly, they also said that they would not reimburse me until the Treasury Department completed their investigation. I asked, what if the Treasury Department never completes their investigation? They declined to answer. I pointed out that, since they did not furnish me with a check image, they were responsible for reimbursement. 

Skipping over other calls, on XX/XX/XXXX at XXXX XXXX  I called the XXXX dispute office at XXXX, where an automated message said that an alert would be sent to my phone, linking to a status report on my dispute. Forty-five minutes later, it has not arrived. 
Incidentally, I am a so-called " 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 monetary relief
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
My credit report is showing a XXXX XXXX and a XXXX XXXX Authorized User Account that I have never opened or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a XXXX and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is 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 2023-07-12 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: FL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AMERISOL Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
THe following companies Inquiries listed below was not authorize by me on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I attempted transfer of {$1200.00} in my Venmo account on XX/XX/2023 to my bank account and the app did not work. I had my Venmo account up on my home pc when I called customer service. The customer service rep said " the good news '' while awaiting bank verification is that I could reinitiate funds transfer and encouraged me to do so.I said I did not want to transfer and certainly not the full amount - if there was any possibility I would not have access to the funds but that I would try a XXXX dollar transfer ( this was while the Venmo rep was on the line ) and once I did so it automatically suspended my account. Despite identity verification and email and phone confirmation Venmo has unconscionably held my funds, delayed funds transfer and has has no direct " account specialist '' contact available to rectify the problem. 

Furthermore their confusing run-around emails in response to my input from their contact form issuedin multiple alternatives to verify* email via a link only to have a response from the link issue a dialogue box asking whether this is the correct new* email. 

I need access to my money. My experience thus far with Venmo is that they are a money transfer service that frequently neither serves nor transfers it customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I received notice that both my email address and my phone number had been unenrolled by XXXX. Over the past month and a half, I have contacted Wells Fargo a number of times to determine why my account has been restricted. I was informed that the account was restricted due to a claim from someone who sent me a XXXX for {$390.00} on XX/XX/XXXX. I did not exchange money through XXXX with this person, even though Wells Fargo or XXXX, I know not who, identified this person and a separate person as well, and suspended my use of XXXX for fraud. In short, there was no fraud ; no money was exchanged between me and this person and the other person, who was also a name provided to me, did not file a claim either. I contacted Wells Fargo and let them know that these claims of fraud were false and both persons contacted their financial institutions and Wells Fargo to assert that there was no fraud on my end nor did they file a dispute of a XXXX transaction. Despite an investigation which showed there was no fraud and a call from each of these other parties and their banks to Wells Fargo that there was no fraud and the claim should be closed, I have been unable to use XXXX since XXXX. When I contacted XXXX, they informed me that they could provide no assistance. When I contacted Wells Fargo, they informed me that they could provide no assistance. Both Wells Fargo and XXXX have been extremely unresponsive and unwilling to find any way to resolve this issue and allow me to use the service or provide any means of addressing this issue and resolving it. They continue to deflect the problem and blame each other rather than find a resolution to this issue. If XXXX can not handle disputes and issues with the financial institutions they contract with, how can customers get help or find resolution to issues that may inevitably arise when using their services? If banks can not address issues with this third-party vendor, then this vendor should not be able to do business with these financial institutions.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 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 generalIf, 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. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports 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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have request that Truist does not contact me for any reason. They refuse to stop e-mailing me. I sybmitted a complaint on XX/XX/XXXX, I emailed XXXX XXXX ( CFPB employee ) and XXXX XXXX ( Trusist employee ) on XX/XX/XXXX and XX/XX/XXXX after I started receiving e-mails again from Truist. I started receiving e-mails again today. I simply don't understand what it is going to take to make this stop. I'm done playing games.

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 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: FL

Complaint narrative:
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation