vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: PA

Complaint narrative:
I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all 3 bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all 3 bureaus - ALL ACCOUNTS NOT REPORTING TO ALL 3 BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!!

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. 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 promptly delete that item of information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NV

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX 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 explanation
Consumer complaint received 2023-01-28 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Earlier this XXXX I tried logging into my prosper card account account via website. I saw an alert that said I had restricted access. I called their support line and was told by a rep my account was past due XXXX I was shocked, and shared I had no idea and why was my auto pay shut off. He looked and said he didn't know why, I inquired when was the last debit, and what account was on file? The account number wasn't mine. I asked when was auto pay shut off ( since I had it from the inception of the card ), who requested it and how? Again unable to provide answers. I then asked why have I received no notices. None whatsoever, not standard mail, email, text NOTHING. He said, " because I was paperless billing, they were not allowed to contact me. '' That doesn't even sound right as a principle from a business loaning money and trying to get someone to remit owed money. I said I would make a payment over the phone if they would reverse their credit bureau reporting, I was put on hold, and when the rep came back he said his XXXX approved the agreement due to the aforementioned reasons and gave me a confirmation # Reference ID # : XXXX The next day I received an EMAIL trying to cover their tracks saying they are " informing '' me of payments returned from an unpaid account .... 
I thought they couldn't and HAD NOT sent any emails because I was on auto pay paperless billing? Awful being lied to. This is their fault, whose account have they been taking auto pay out of all this time for my credit payments? Who stopped that auto pay from wrong account? There is no history of ANY changes being made by me or anyone else. No changes visible in their account history screen since inception of card nor received an email of any requests being made verified or finalized by me. I have enclosed screenshots showing the account they had versus my account that I have had for XXXX. They didn't even remove the wrong account from my profile. I deleted before preparing this correspondence ( XX/XX/2023 ) because of outrage at their negligence. Clearly no investigation was done at all.

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 2023-01-28 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 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 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 2023-01-28 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The house payment was {$540.00}, I missed a payment or 2 while in XXXX, Tried to work with them to fix it but they wanted to foreclose.

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 2023-01-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filed a dispute on my account with XXXX XXXX XXXX, Dispute # XXXX they stated they issued me a temporary credit which has not shown up on my account, when I called them they told me the credit was on my old card which was replaced for fraud, I explained to them the card was replaced and I have a new card number, they stated that they submitted then request to put the temporary credit on my new account and I have not gotten the credit it has been over XXXX weeks and the credit has not been moved!!! Have the credit moved over to my new account immediately in the amount of {$82.00}

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 2023-01-28 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

( b ) 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.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I started to appeal to this bank at least two months ago, if not more in regard to the impending interest that would be expiring in 18 months from the date of purchase and that would be this month, in XX/XX/XXXX. They outright denied my requests. I just signed into my account and to my absolute shock and horror I seen that my min payment had gone from {$67.00} per month to {$320.00}! I didn't even understand how this was possible and looking further into my statement activity online I seen I was just assessed XXXX in interest this month. XXXX?? 
I knew i would be assessed interest but i thought it was somewhere in the realm of $ XXXX {$1500.00} which is still not ideal but of course not at all what this is. 
There is no way I can afford this. Are they kidding me? I appealed to them to work with me and they would not. I am not going to jeopardize paying my housing expenses, which includes my rent and basic bills to survive in order to pay {$320.00} per month in a min payment. There is just no way possibly we can do it. I contacted them online tonight. I told them if they do not do something to lower this to less than half of this amount, then I guess I will be forced to go into settlement. It is not something I wanted to do but they are leaving me no choice. I am in a hardship. My car was involved in a hit and run accident last month which of course I can prove. My insurance company denied my claim and I have to pay to have the car repaired as it is a lease. This is setting us back considerably as we have to take money from a very modest 401K, exhausting it in order to pay for the repairs as we don't have it. I am on SS XXXX with one other income in the house. Period. This is not affordable.

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 2023-01-28 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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXXXX/XX/2022, I tried to deposit {$220.00} cash into my Regions Bank checking account using their ATM. The ATM took my cash deposit and returned a {$20.00} bill and gave me an error message. It returned my bank card to me as well. The ATM then returned to the welcome screen and did not add my deposit to my account. 
I immediately drove up to the bank teller window, spoke with XXXX, telling her what just happened. She told me that she noted the time and would fill out a report immediately. 
XXXX went by and I never received any information on my missing deposit. I went into the bank and was eventually helped out in receiving a provisional credit. After receiving the credit and having it for a XXXX XXXX, Regions then sent me a letter telling that they had reviewed the situation, and they took back the provisional credit. 
I have since gone into the bank XXXX asking for any information or help on getting my deposit back. XXXX will write down my phone number on a post it note with other random notes, tells me she will call within a XXXX XXXX, but never does. I was also advised, by XXXX, not to use the ATM, as it is unreliable and this same situation has happened to other customers. 
Any help or suggestions would be much appreciated

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 2023-01-28 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:
My account was frozen with my money in the account, for at least 10 business day 's still wasn't able to take from my account. Year 's from XXXX though XXXX. Happened with direct deposit as well. Then closed my account Said that I owe wells Fargo payments.

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 2023-01-28 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: 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. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have 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 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 2023-01-28 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: PA

Complaint narrative:
Ive tried numerous of times to resolve this issue with Equifax. They are not fulling their grave responsibilities by not respecting nor protecting my right to privacy! They are not doing a proper investigation which requires going beyond just receiving information from non affiliated XXXX parties and falsely verifying information! Equifax NEVER DID AND DO NOT have my lawful consent to furnish anything to my consumer report without my consent!!! They are causing me financial harm and damaging my reputation by breaking numerous of federal laws In which they are suppose to be following! They have not provided me an investigative consumer report as requested which is evidence that they can not provide such information to me!

Company response to consumer: Closed with explanation