vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.

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 2024-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an account with Wells Fargo to deposit a cashiers check that I was going to be getting from the sell of my dads house who had passed away I informed Wells Fargo about this when I opened the account On XX/XX/XXXX I deposited a cashiers check for {$62000.00} into my savings account with Wells Fargo inside a branch when in the branch they had to call XXXX bank and verify the check and they were able to do that I was told that they were going to only give me {$5000.00} the next day and the rest would be A 4 day hold On XX/XX/XXXX I made a transfer from my savings to my checking account of {$2500.00} and tried to pull it out at the atm however my card was blocked by the bank and I had to call them. When I called them they told me that I needed to step into a branch with my id I told them no problem I was able to withdraw the {$2500.00} inside the bank however now on XX/XX/XXXX I was notified that my account was no frozen and I would not be able to withdraw any money from my account until I talk to someone in the risk management department. 

Im not happy the fact that the bank is allowed to just not let me have access to my money i will be filing a police report against the company as this is crazy!

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: NM

Complaint narrative:
Per this card 's benefits, I should get a {$200.00} credit after spending {$6000.00} each calendar year. Despite doing this, I have not gotten this credit due to misleading advertising that I would get the benefit for " spending '' that much, not " posting '' that much on the credit card. I made a charge of {$1000.00} on XX/XX/XXXX ( I have a timestamped email to prove it ) to reach {$6000.00} for the year and every charge on this account takes one business day to post. Despite the charge on the account initially having this purchase date, the company deliberately changed it to XX/XX/XXXX and shifted the post date to XX/XX/XXXX in order to deny me the {$200.00} credit. Thorough the year no other charge had this mysterious behavior until the end of the year. How strange! I wonder why that would happen! This is on top of being misleading in the first place on their website about the benefit.

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 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I have called the XXXX and went to Web site to make a final payment. No one answers the phone in fact I get a msg. " The XXXX XXXX XXXX closed it's business and no customer service is available ''. At the Web site I get the payoff information is available but there is no link to make a payment. However, the balance is increasing do to the interest. I do not need this to go on my credit report for non payment or collections. I have tried multiple times over the past month and a half. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Why did my XXXX credit score drop by XXXX points and my Equifax credit score drop by XXXX points when there were no negative items reported ; I paid off the XXXX credit card with a balance and other accounts are reporting balance decreases. This isn't the first this has happened, I've had my scores drop by as much as XXXX points in XXXX month even though nothing negative was reported. This also happened in XXXX as well few months prior to XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify)
State: MA

Complaint narrative:
I am writing to follow up on my previous notice sent on XXXX  days ago from the date of this letter, regarding the dispute of certaininformati on in my credit file. I am specifically addressing the fraudulent information as a victim of identi ty theft ; SeeFraudulent Inquiry Summary in my letter attached.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Why did my Transunion credit score drop by XXXX points and my XXXX XXXX XXXX drop by XXXX points when there were no negative items reported ; I paid off the one credit card with a balance and other accounts are reporting balance decreases. This isn't the first this has happened, I've had my scores drop by as much as XXXX points in XXXX month even though nothing negative was reported. This also happened in XXXX as well few months prior to XXXX as well.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report.. 
The following account is listed as an open collection, XXXX XXXX XXXX. A collection account can not be listed open, it 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report.. 
The following account is listed as an open collection, XXXX XXXX XXXX. A collection account can not be listed open, it is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc.
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my FactorTrust consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2021, I received a 30 day late payment from XXXX XXXX Department Store National Bank ) for my credit card. I was alerted via my credit report monitoring service. I immediately called XXXX and told them I never received a bill. They did an investigation and advised the bill was sent via first class mail and to check with my local post office. I met with my local post office and they advised they needed the tracking information. I went back to XXXX and asked for the tracking information, but XXXX said they didn't have any tracking information on the bill. I went back to the post office and they told me since XXXX did not attach any tracking, XXXX couldn't confirm if the mail was even sent to my address. The tracking information would have been verification the bill was sent and/or delivered. I called XXXX and told them the post office couldn't confirm they mailed the bill or if it was delivered. XXXX said to simply dispute it with the credit bureau. I disputed it with XXXX, XXXX, and XXXX. I just got the XXXX results of their investigation and it says the 30 day late notice was verified and correct. This is wrong because I never received a bill. Also XXXX stated they did not have any tracking information to verify they sent me a bill, so I don't understand how XXXX came back with a result to the investigation that the 30 day late notice was verified. I wasn't notified of the bill until I got an alert on my credit report for a late notice!

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 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I had checking accounts with Ally Bank. Ally Bank unfairly closed my accounts down without saying the reason why. I did complain in the past that the online banking of Ally Bank was frequently down for maintenance past midnight and it caused a lot of problems for me because I usually pay my bills after midnight, but that should not be the reason why they closed my accounts down unfairly.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court 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 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am have a legal right to OPT OUT and I am now Opting Out off all reporting by these companies to my consumer report rule of law 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting 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:
I am not liable for this debt with XXXX XXXX XXXX XXXX for {$2400.00}. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my XXXX  right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Innovis consumer credit report sent to me via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Experian multiple times regarding an inaccurate bankruptcy that is showing on my credit report, I have asked them to please remove the inaccurate information, they replied back and said that it was verified with XXXX XXXX which IS NOT TRUE. I AM ATTACHING DOCUMENTATION FORM XXXX XXXX SHOWING TAHT THEY DO NOT AHVE A BANKRUPTCY SHOWING IN THEIR SYSTEMS.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i looked over my report back in XXXX, and noticed some things are incomplete and not accurate. i sent a letter to experian on XXXX and asked them to investigate the completeness and accuracy of my report. i received the results and noticed they did not fix anything. they are breaking federal law According to 15 USC 1681e ( b ) it states this ( 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 consumer/individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

According to 15USC 1681s-2 it states this. ( A ) reporting information with actual knowledge of errors 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. 
( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate. 

This is unfair. If they are doing this to me imagine who else they are doing this too. 
Can you please fix this

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case. Also a charge off is considered income and isnt supposed to be listed on my report of debt sold as its a certificate of indebtedness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I would like to ask the investigation on your possible service of soft inquiries on, XXXX XXXX. I have found out your company name on the credit report of Equifax. And this credit report company, Equifax, asked me to give the detailed content of my concern regarding my credit report, since it might be used for the illegal movement, which might have caused the result of fraud alert on me, XXXX XXXX. As far as I understand the system of the United States and possibly globally, the soft inquiries on home lending must be performed by the person, who has the interest to purchase the home or real estate ; however, my family never have had the interest for an extensive period, because of the unfortunate happenings, such as the huge earthquake in XXXX, XXXX XXXX, physical operation, and death of family members. Also, this year, we never had the idea to move out from our rented apartment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; therefore, I want to ask why you had the soft inquiries to Equifax for XXXX times, which were performed on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. If you have the question and concern, please contact Equifax and discuss together. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have filed several unauthorized disputes with Chime and when filing the agent said I do qualify for temporary credit to my account while they dispute transactions. They have held my money up and denied some of my disputes. This has caused me to go into eviction and possibly lose my home. I am a single moth to XXXX XXXX XXXX and I'm about to be homeless thanks to Chime for allowing these scammers to take my money when I did not authorize the charges.

Company response to consumer: Closed with explanation