vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I noticed that my date of birth was being reported wrong. I contacted via phone and sent TransUnion a detailed statement as well as a copy of my Michigan Drivers License. To date my date of birth is still being reported as XX/XX/XXXX when my true date of birth is 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 non-monetary relief
Consumer complaint received 2023-06-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed some items on my XXXX, consumer report. They were mailed off on XX/XX/2023, by Certified mail, and was received by agent XXXX XXXX at XXXX. The documents were received on XX/XX/2023. 30 days from the receive date was XX/XX/2023. As of Today, XX/XX/2023, I have not received any response from XXXX, and today marks 35 days. 

Experian-I disputed items on this report, because they have not did anything. They did not remove any old addresses, They did not do any investigations, and provide me with names, and phone numbers, They did not remove inaccurate information. They just put updated for everything,

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened an account with Wells Fargo XX/XX/22. I gained access through the app that week. On XXXX I sent a XXXX of {$500.00} from my XXXX XXXX XXXX  account to fund my Wells Fargo account. Yesterday on XXXX I lost access to mobile and online banking. I called Wells Fargo who said my balance was {$15.00} and that I will not be allowed access to my account. Wells Fargo not only is not allowing me mobile/online access to my account despite me providing all of my info to them. Wells Fargo has also " lost '' or stolen my {$500.00} which I need to pay bills. I called Wells Fargo again today XXXX to gain resolution and was told to go XXXX myself they can not help me. I am writing to the CFPB to hopefully gain access to my account and get my money 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 explanation
Consumer complaint received 2023-06-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2023-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I closed both of my Bank Of America account on XX/XX/2014 On my XXXX XXXX report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't 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 explanation
Consumer complaint received 2023-06-06 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: MI

Complaint narrative:
( XXXX XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.

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 2023-06-06 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: LA

Complaint narrative:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 
These accounts are listed as being 30-60 days late. I have never been late on this account. PLEASE REMOVE LATE PAYMENT FROM MY CREDIT REPORT 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-06-06 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello I called ells Fargo numerous times and even went to the bank manager within a hour learning the supposedly undenied fraudent situation. At the Bank, they assured me the charges will be removed so I did not need to pull my remaining money out. 

9 days later when I inquired a lady in XXXX  from Wells fargo said they investigated and left it charged in my account, so I can never get my money back. 

In reality, I never made the charges and I actually, learned the charges were occurring with what the Wells fargo representative performing as putting in as disputes ... I verified it. On XX/XX/XXXX a wells fargo representative called me and said there were fraudelent activity on my account, I asked her by asking my balance in the account. She knew it and the called id said Wells fargo as well. Later I checked the phone records, it as a wells fargo phone number XXXX, I checked my phone records for the numberXXXX statements. 

There were 17 chargers totalling {$2000.00} plus fees totaling # XXXX. 

Upon learning, I went to the police department and spend 5 hours talking to wells fargo representatives, everyone passed the buck to different departments. 

Based on my education and conversation and the phone records. It direct me to an inside job. Some one having access to Wells fargo phone line so it shows as Wells fargo and someone having access to data and someone that knows the investigation process. 
Then thay have a fast way to charge up the card with the same amount. 

I called and asked them to listen to my calls dated XX/XX/XXXX for 49 minutes and 37 minutes to see how this can be possible? 

I feel this situation requires more internal investigation with the information I have, I can be available and be glad to give my data for investigation. 

Basically they are charging cards fradulently and refusing /denying cases by offshore investigation that is not done properly. XXXX ladies name was XXXX. 

Please investigate or call me at XXXX XXXX so I can provide all I have for clear investigation by professionals. I am very limited. 

Thank you in advance for your cooperation. 

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 2023-06-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a formal complaint that Experian is reporting inaccurate, incomplete credit information and your willful noncompliance has injured me. Please verify the following accounts : XXXX XXXXl XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX opened XX/XX/2019. I would like a method of verification to be provided as well. You have 30 days to comply with my request or face further administrative action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
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. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: ME

Complaint narrative:
Received an unsolicited debit card in the mail from Cash App. Reference on the debit card was to cash.app/help and indicated the card was issued by XXXX XXXX  XXXX I do not currently hold nor have I ever requested to establish an account with Cash App or XXXX XXXX. I believe that there is potential fraudulent activity being conducted in my name. 

When seeking to contact XXXXXXXX XXXX the Bank website indicated that they were unable to assist and that all inquiries should be directed to Cash App, a division of Square. I called the number listed on the XXXX XXXX website ( XXXX ). The Customer Support representative that answered the call requested my e-mail so that I could submit photos of the card. I informed him that I felt that sending photos of the card was unnecessary and that I believed that my report and concern could be addressed via the phone. I offered to give him the debit card number at which point he indicated the only way to handle my report was to submit photos via e-mail.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2. States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX$210.00} 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 XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
I am asking you kindly to delete this account since this is not mine. I am quite confused and irate as they are showing this on my credit report. I am mad that they are doing this 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 explanation
Consumer complaint received 2023-06-06 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: Early Warning Services, LLC
State: PA

Complaint narrative:
I closed both of my XXXX XXXX XXXXXXXX account on XX/XX/2014 On my Early Warning report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I just saw on XXXX that IC systems is listed as collections for XXXX XXXX This debt is unverified. I have had this issue with the same company before. Last time it took me six years for them to remove it. They keep reporting unverified debt.

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Weeks Fargo closed my account back in XXXX, & XXXX due to me being out of town using my card at an atm they didnt recognize in Florida . I explained to them thatsI was out of town with my kids and I was trying to withdraw funds from the atm and it locked my card and closed my account in the process of such transaction. I never received money from my account being closed for neither year.

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 2023-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE and XXXX are obligated by the Privacy Act of 1974 to balance the need to maintain my information with my rights to be protected against unwarranted invasions of my privacy. CAPITAL ONE disclosed my nonpublic personal information to a nonaffiliated third party and did not provide a clear and conspicuous revised notice that accurately describes their policies and practices. CAPITAL ONE did not provide an opt out notice nor did they give me a reasonable opportunity before the information was disclosed to opt out of the disclosure ( 16 CFR 313.4-10 ). CAPITAL ONE and XXXX are liable under the SEC to follow certain rules. CAPITAL ONE XXXX file number XXXX. The XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ). In addition to this complaint, I will be filing a form XXXX treasury omb forms to have my consumer account audited. I am aware that XXXX is securitizing my consumer data, but continues to break the law by sharing my data with third party companies like XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation