vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner. 
Account XXXX. XXXX XXXX XXXX {$850.00} Account XXXX. XXXX XXXX {$800.00} Account XXXX. XXXX XXXX {$700.00} Account XXXX. XXXX XXXX Ive sent Several dispute demanding proof of investigation, and these credit companies have broken tons of laws!

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 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For over two years this lender has misreported my auto loan. On XX/XX/XXXX I emailed XXXX ; informing that the credit reporting agencies ( Experian, XXXX, XXXX ) were not displaying timely and accurate information. On XX/XX/XXXX, I emailed XXXX saying the same thing. On XXXX I visited one of their branches. I spoke with XXXX XXXX. Finally the CRAs were updated with an accurate balance of {$6400.00}. However my payment history Since XXXX has not been reported. I have followed up with multiple emails since XXXX of XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to fix this. Ive paid this auto loan in full on XX/XX/XXXX. However, the account still shows inaccurately across the credit reporting agencies.

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 2023-03-01 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: FL

Complaint narrative:
15 U.S.C 1681 SEC 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
This was violated once late payments started to get reported back XX/XX/XXXX to present XXXX XXXX 15 U.S.C 1681 SECTION 604 A. SECTION 2 : AT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITOUTH MY WRITTEN INSTRUCTIONS This was violated once late payments started to get reported back XXXX XXXX present XXXX XXXX 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This was broken back in XXXX XXXX present XX/XX/XXXX 15 U.S. Code 1692d - Harassment or abuse - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was broken back in XX/XX/XXXX to present XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CA

Complaint narrative:
There was a dispute over two transactions with Wells Fargo on my Business Line of Credit. I was formerly working with what I initially thought was a professional advertising/publishing company, which turned out to be a 'vanity publishing/book fair ' scam. I realized this was the case before the company, XXXX XXXX, was set to provide certain services in the Fall of 2022 -- As soon as I was made aware of their horrible predatory practices ( mostly used upon self-publishing authors of advanced age ) and experienced some of their poor, unprofessional and unethical treatment myself, I submitted my clear cancellation to them in writing about one month before the deadline. 

Wells Fargo kept me waiting for months while they researched the dispute, and my staff put together a thorough letter ( attached below ) clearly laying out documentation and the order in which things happened and submitted it to Wells Fargo dispute team. Weeks after that, I received a dispute decision that they were upholding the fraudulent charges, with no proper explanation or even reference to the documents I had submitted in which XXXX XXXX admits fault in relation to their own 'contract '. I called Wells Fargo following this dispute to let them know I would be contacting the CFPB. 

Thank you for your time and assistance in resolving this matter. I hope my experience can help others avoid this humiliating experience. I encourage other self-publishing authors to consider that a successful and legitimate publishing company will never cold call you at home or solicit you via email ; This is what I have learned through this terrible experience. Literary agents should assist with all publishing, authors need to be wary of all solicitations by phone or email, and deeply research any company that they consider working with.

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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX fraudulent active started on my bank account with US Bank. I had not given permission or account info to anyone. A fraudulent check was deposited into my account for {$640.00} on XX/XX/XXXX withdraws totaling {$230.00} we're withdrawn from my account. On XX/XX/XXXX {$440.00} was withdrawn from my account. On the XX/XX/XXXX XXXX more checks were fraudulently deposited into my account. On XX/XX/XXXX my Social Security check for {$1000.00} was deposited in my account via direct deposit and on XX/XX/XXXX another deposit was made to my account from Social Security for {$1000.00}. my account balance before all this fraud started was {$27.00} and with the 2 deposits from Social security {$2100.00} = {$2200.00} my home back now because mine closed during covid is US Bank on XXXX XXXX XXXX XXXX, Ca has returned {$1000.00} in XXXX XXXX and stated she ( XXXX XXXX the bank Manager didn't feel comfortable giving me any more money back from my closed account, she wasn't sure where the money came from. US Banks has {$1100.00} of my money and won't return it. All investigation have been closed since XX/XX/XXXX and the account closed. I did everything the fraud departs have asked me to do, I filed police reports, filled out countless amounts of paperwork for them and they found me not responsible for the crimes committed on my account. I was told the only way to get my money back was through my bank. Since the bank Manager won't do it I have called her boss, District manager for XXXX XXXX XXXX XXXX XXXX XXXX three times and left detailed messages, to which she has not returned. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I have a Barclays AAdvantage Mastercard. Their Mastercard ID Check system rejects online purchases I try to make with the card. I have spoken to more than a dozen employees at customer service and security, and nobody can fix the problem. I have a different Barlcay 's Mastercard that I've had to use, so I know that it is not a problem with the multiple vendors I've made purchases from. There is nobody at Barclay 's who seems to have the ability to solve the problem.

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 2023-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX Ohio from XXXX to XXXX where I was receiving federal student loans. Midway through the program, the financial aid department stated the college was under a letter of review for the respiratory therapy program and they lost their accreditation. Sallie Mae was the student loan provider at the time and my account was sold to Navient after Sallie Mae was closed down. All my federal loans were placed into a private loan by Sallie Mae without my knowledge and sold to Navient. I was an undergrad in XXXX when Navient started harassing me for payments even though my loans were placed in deferment. During the Navient lawsuit process, I attempt on several occasions to rectify this situation with no prevail. I filed a borrower 's defense application and was notified on XX/XX/XXXX my loans by XXXX XXXX XXXX will be discharged through the lawsuit " Sweet v. Cardona. Every month Navient has increased the loans to over XXXX dollars and I requested a copy of the signed agreement they claim I agreed to and never received it. Why would I transferer my federal loans to private loans? I have spoken to an attorney and will move forward with a class action lawsuit about this fraudulent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA. 

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA.

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT.

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA.

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA.

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA.

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly.

Thank you for your attention to this matter.

Sincerely, 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 2023-03-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX Charge OfXXXX Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX Collection Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA.

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA.

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT.

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA.

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA.

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA.

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-01 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXXXXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXX XXXX factual date XXXX 15 USC 1681 Section 602 A 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 a account without written consent.

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 2023-03-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXXXXXX XXXX  factual date XXXX 15 USC 1681 Section 602 A 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 a account without written consent.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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