vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: IL

Complaint narrative:
Inaccurate items on my credit report came back as " verified ''. The items are incorrect and there is no way that if an investigation actually occurred that the incorrect items would be " verified ''. I've attached a document that I have mailed to the CRA via certified mail, asking for detailed PROOF of their investigation and demanding that the inaccurate accounts be deleted.

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 2023-02-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since my last complaint against Experian, they have blocked me from signing in online to phoning in and reaching a person, their excuse is information, not file, not able to find me. etc. I have no words to describe this company 's actions and we as a society allow them to play such an Import role in our futures. I am completely at a loss for words related to the actions this company has resorted to.

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 2023-02-01 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I applied for an Annual Credit Report and was denied the report from Equifax. They after I call to get verified and find out way my credit score drop, they proceed to waste my time not allowing me to be verified by their system, then verbal questions by a rude rep., then a supervisor proceed to tell me that I need to send in my license and social security card in order to be verified. All this time of approximately 2 hours was wasted. 

They have been sending me advertisement up until today to take their product and I want. I printed out the last two piece of them trying to get me to sign up for their product. See their copies, of trying to lure me into their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank XXXX XXXX XXXX XXXX withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a lot of unauthorized transactions

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 2023-02-01 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: Grant Mercantile Agency
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a complaint to the reporting credit bureaus that Grant Mercantile was not reporting that I had previously disputed this account. According to the FCRA 's policies, under this guise, Grant Mercantile should have deleted the account. Instead the organization updated my credit report with the complainant information. On XX/XX/XXXX I checked my account and noticed that a monthly payment was being reported by Grant, but I do not have a contract between Grant and myself. I am requesting that this account be deleted due to monthly inaccuracies being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In XXXX or XXXX, my husband and I were presented an offer of replacing our old windows and doors from our neighbor as a referral. We set up the appointment to meet with the representative and scheduled to have the new glass doors and windows installed. Our payment was set up through Wells Fargo ; at some point, my husband and I were having financial difficulties, that led to the beginning of our nightmare. We were XXXX  with garnishment if we didn't sign up with some program that I never heard of and that program led us to another nightmare of XXXX, but we managed to finally pay off the loan. The program led to more payment with a higher interest rate, and after that experience, we denied any products or services that involved Wells Fargo. I called in several complaints that led to no resolution. Now here we are years later ; yes, I would like to submit my statement to receive compensation from the overpayment of my loan, threats and forcing my husband and me to sign with a program that cost us more money than we initially agreed upon.

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 2023-02-01 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited cash {$3800.00} into ATM on XX/XX/23 XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX CA There was an error on ATM when I deposited the money. It shown there was a bill couldnt read. I waited for a while to get the unreadable bills but it didnt return to me!!. Then the ATM printed out the receipt without any money go through to my account. The receipt shows me the phone number to making a call to customer service. So I just reported to the bank. The agent said money could get back XXXX business days. So I wait until I got only {$3000.00} on the next Monday in the afternoon I called to contact the agent again. The agent said that this is the credit money if I deposit more than that after investing Ill get the money fully. Its going to take XXXX weeks she said the period how they work. So I wait until.. 

Today XX/XX/23 Its been a while I call to check the bank again. The agent said the claim is already closed nothing I can do. This is my finalized amount. I asked him to check the case again. The investigation should see the amount that I deposited on that time. ( ATM can check the cash flow during that period ) I lost {$860.00} without any reason from the agent he said sorry the claim is closed and can not reopen it. He kept sorry and sorry. I feel very disappointed how the Chase working on with an ATM error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
I opened a BP card and had trouble making payments by U.S. Mail. I sent them on time, but for some reason the company had problems processing them, and I had to call just to get the fee waived. I had to make payments through their website from then on. Then, I found out I did bounce a check to them. For this I am responsible, but I wanted them to just close the account first. I would have paid whatever it was. A guy I spoke to named XXXX refused, and needed far too much information to verify me. I was calling from the phone number on the account, I gave all the information, the same on the statement, including the account number, I don't know what their problem is. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-01 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: TX

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. 

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  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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

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 2023-02-01 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: EQUIFAX, INC.
State: PR

Complaint narrative:
In XXXX Equifax too out of my XXXX XXXX XXXXXXXX for balance decrease when XXXX gave XXXX points. 
On Friday XX/XX/XXXX they took off my XXXX XXXX XXXXXXXX points for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 American Express requested my credit file without my knowledge, permission or approval of a hard inquiry. 

American Express and any related agency related to this specific credit request for a credit card do not have a permissible purpose for requesting my credit report on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I XXXX, the woman and in use of a consumer has been denied to use my credit in order to acquire goods for personal and household use. At this time, XXXX XXXX OF XXXX of XXXX XXXX XXXX XXXX XXXX XXXX finance XXXX has denied my right to transact using consumer credit.I have given permission to pull XXXX NUMBER verification from XXXX with form XXXX XXXX I was intentionally told this store sells cars when, in fact they buy securities. As an investor of my consumer paper, and write to transact using my consumers credit backed by the full faith of the United States, I have been compelled and deceived in order to become an accommodation party and making a gift to XXXX XXXX OF XXXX when that is and never my intention. The finance XXXX intentionally tells me they are not in fact XXXXXXXX XXXX  my paper. I initially spoke with XXXX the sales rep, who initially tried to compell me into a business transaction not XXXX for personal goods with my consumer. I have created a binding contract with this company and have not received goods rendered. Because I will not give up my rights to title interest, rights and proceeds to my consumer paper ( credit Application for sale to XXXX XXXX of XXXX ). Banks can not lend money, this store are only buyers of securities and gift takers. I have sent this company my intention by email to XXXX, however both professional parties are confused even after reviewing my intent.. I wish to recover the property now secured by my credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it XXXX concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: WI

Complaint narrative:
I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency XXXX has been constantly removing and re-inserting an account from XXXXXXXX XXXX on and off my consumer report. In my previous complaint of the company response from XXXX, it clearly states XXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

XXXX, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.

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 2023-02-01 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: WI

Complaint narrative:
I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency XXXX has been constantly removing and re-inserting an account from XXXXXXXX XXXX  on and off my consumer report. In my previous complaint of the company response from XXXX, it clearly states XXXXXXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

XXXX, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.

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