vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO 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 non-monetary relief
Consumer complaint received 2023-02-14 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I'm requesting CFPB to assist me in the removal of old outdated reporting by chase bank. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error and I did not authorize these inquiries, delete and remove. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Mail Current Status - Preparing Letter ( XX/XX/XXXX XXXX AM ) Letter Mailed Date and Time - XX/XX/XXXX XXXX XXXX Pass through - Certified Recipient Address - XXXX XXXX XXXX XXXX, GA XXXX XXXX. Under 15 USC 1681 a ( 2 ( A ) ( ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX Account XXXX : XXXX Update to paid as agreed 5. Under 15 U.S. XXXX XXXX - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX CARD Account Number : XXXX Delete from consumer report 6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX Account Number : XXXX Delete from consumer report 7. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX XXXX IN CO Account Number : XXXX Delete from consumer report 8. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX Account XXXX : XXXX Delete from consumer report 9. Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX XXXXXXXX Account Number : XXXX Delete from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Deposited a XXXX  check into my Wells Fargo account on XX/XX/2023. Funds said they would be available on XXXX. The check was for {$4000.00}. On XXXX funds were not in bank and said they wouldn't be available until XXXX. Called and talked to numerous people. Was told that XXXX hadn't sent funds over. Had my mom who wrote the check go to XXXX and they said funds were transferred on XXXX. It showed check was cashed and cleared her account. Had all the sequence numbers. Even gave her a print out. Called Wells Fargo back and then they said the hold was because I had overdraft fees in the last 6 months. Wells Fargo recieved my funds but will not disperse until the XXXX. I told them I had numerous charges going through. I could have been XXXX the money or cashed at XXXX. Wells Fargo just wants to cash in on fees. Very shady business practice. Why would they hold money that has already cleared from the other bank. Makes absolutely no sense. Another way to XXXX the consumer. I hope the government comes down hard on these 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 2023-02-14 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: MO

Complaint narrative:
I have wrote Experian, XXXX, several times asking them to check into an Acct # XXXX for XXXX XXXX XXXX. I have ask both, for their method of investigation on this account, and to send me paperwork proving they investigated this matter. 
Experian reports Not paying as agreed. Though XXXX reports paying or paid as agreed. XXXX reports this account paid as agreed and deleted it due to so many inaccuracies. So which is it? I have the right to a 100 % accurate credit report. This report is clearly inaccurate. In accordance with The Fair Credit Reporting Act, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

I have also ask Experian to remove a discover inquiry off my credit report. It is NOT my I inquiry! I have contacted XXXX, they investigated the problem, set me a letter to remove inquiry. Then a second one popped up on my credit report. After being ask several times, Experian wont remove it. Knowing the issues Ive had with XXXX. 
I will never apply for credit at that company. Not real fond of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
I ran an employee application ( Custom Id # XXXX ) & the Checkr Background showed an infraction ( that by the way doesn't show up on XXXX XXXX ) or shouldn't. 

It seems like I've been targeted & the same people tried making it look like I had a criminal background. This offense is not a criminal offense & is an infraction. 

I requested they remove it because I'd it isn't on the XXXX record, it shouldn't show in an employment background. 

The court said it would not show up on Employment background reports & I would like for it to be removed. It's misleading & gives the appearance there is a criminal charge when there isn't. Even though the criminal records section shows clear, it even shows up in the criminal report section & I do not have any criminal charges. This infraction is noncriminal therefore shouldn't show up at all. It is a minor infraction. 

Furthermore. I have a dispute regarding this infraction because I was not using my phone or texting while driving. I initiated the dispute & am moving to have it removed from my record completely. 

I was looking for a VC or other code to support this request. I may have to go to the law library later to locate it's origin. If you are aware or have an acquaintance that has supporting code ( s ), I'd appreciate it. Otherwise, I'm requesting removal in 'Good Faith '. This code is an infraction & backgrounds generally ask if you've been convicted for a Misdemeanor or a felony ( Infractions excluded ). This, any reporting entity shall otherwise exclude also. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error and I did not authorize these inquiries, delete and remove. 
1. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX 4. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Mail Current Status - Preparing Letter ( XX/XX/XXXX XXXX XXXX ) Letter Mailed Date and XXXX - XX/XX/XXXX XXXX XXXX Pass through - Certified Recipient Address - XXXX XXXX  XXXX XXXX, PA XXXX Account Number : Employers : XXXXXXXX XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 10. Under 15 USC 1681 a ( 2 ( A ) ( ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX Account Number : XXXX Update to paid as agreed

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I had an XXXXXXXX XXXX credit that I paid off on XX/XX/2022. I made a payment of {$190.00} and ask to cancel the card. Two months later, the credit card company sent an email and saying that I owe them a payment of {$43.00}. Not one time did I get a statement in XXXX from them stating that I owe anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I am very dissatisfied with Select Portfolio Servicing with their decision of not trying to work out a affordable payment. I have talked to clients who has a mortgage with Select Portfolio Servicing and they assured me that they are a very XXXX collection agency who will not work with their clients. I am in total agreement with the client. I myself XXXX XXXX is willing to pay a affordable rate of the XXXX. I am unable to pay the XXXX that is being requested. Can I please get some assistance in this matter. This is a back and forth issue. I also has been told Select Portfolio Servicing love to send XXXX people mortgage to foreclosure. I want a fair mortgage payment please. Can I please get what I am asking at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mother passed away on XX/XX/2022. I caught XXXX after. All of my incoming funds were going towards helping bury my mom and cover my expenses since I was not working. Capital One contacted me and set up an arrangement due to my circumstances to help me catch up. They then closed my account and reported it negatively to my credit. Their employees are lying and misleading consumers when they are at their lowest points. This is a hit when I am already struggling to get my credit back. I needed help not to be lied to. They called me pretending to help me when Im fact they had already closed my account. Very underhanded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CA

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. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account XXXX XXXX XXXX, for the amount of {$520.00} 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.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account # XXXX XXXXXXXX, for the amount of {$520.00} 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I have had a grain account for about a year and have always had autopay on with zero issues. Im XXXX of XXXX, I had to payments initiated through direct deposit and processed. No communication in XXXX and on XX/XX/XXXX I got email communication saying a payment would be taken out on XX/XX/XXXX for XXXX and not to worry because I have direct deposit. I logged in a few times and didnt see anything suspicious but I got an email on XX/XX/XXXX saying my account was 1 day past due when I think went in and initiated a payment because I have never missed a payment. Fast forward two weeks, the payment never came out so I tried again because I received another email saying I was now 2 weeks late. I initiated another payment in which I took a video screenshot of to make sure to document me trying to make a payment for XXXX. I got the confirmation it would be processed a few days later. On XX/XX/XXXX I received an email saying they were reducing my credit limit and then on XX/XX/XXXX I receive another email saying my account was 1 day late again and then on XX/XX/XXXX saying it was 45 days late?!? How do you go from 1 day to two weeks to 1 day then 45 days. I did reach out to a support XXXX on XX/XX/XXXX that said I needed to reconnect my bank which she ended up doing and I made a payment. I had no idea my bank wasnt attached because it was connected in the app as I was able to see my checking available balance and it was connected when I initiated a payment in XXXX. I made a payment the exact day a support XXXX reached out to fix my account and was told they would follow back up to discuss my late payment. Fast forward to a few days ago, I get a notification of a late payment dinging my a credit. Taking my score down XXXX points. I immediately followed up with a support XXXX to inquire about getting this removed because I have been an excellent customer and tried my best to resolve an issue with little communication and inaccurate information. The support XXXX has since let me know that wont happen. I have also read NUMEROUS reviews of others going through the same problem and it seems to be extremely unfair because its nearly impossible to get a response back via email and you cant speak to anyone on the phone. I have worked extremely hard to fix my credit to have it ruined overnight by an issue I tried to correct. I would like to have the late payment removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Inquiry : XXXX has violated my rights Inquiry : XXXX bank has violated my rights Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX 15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
At the end of XX/XX/2023, I received a bill in the mail from The Swiss Colony, but I have never had an account or placed any orders with them. I later discovered that this was likely an accidental order made by my aunt meant to ship to me, but she must have switched around the billing and shipping contact info. My aunt is older and isn't really sure what happened. What really concerns me is that Swiss Colony appears to have allowed my aunt to buy on credit ( BNPL ), but in my name. This means that they are extending credit in my name without my authorization or identity/credit verification. While my aunt knows my name and address, she wouldn't be able to complete a basic identity verification in my name. I have reached out to The Swiss Colony and let them know I didn't place this order and asked them to cancel the order and delete the credit account, but they refuse to do so without me hiring a notary and mailing a notarized letter to them. It seems rather inappropriate that they are requiring me to go to these lengths and incur these costs to verify my identity when the whole reason this XXXX bill was mistakenly created in my name is that they did nothing to verify my identity when the order was being placed.

Company response to consumer: Closed with explanation