vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I submitted an application for a business line of credit with Wells Fargo. However, the approval process was temporarily suspended due to the presence of an outstanding judgment dated XX/XX/XXXX. It is essential to note that my business was officially incorporated on XX/XX/XXXX, and subsequently granted an Employer Identification Number ( EIN ) on XX/XX/XXXX. Wells Fargo has been duly furnished with the aforementioned documentary evidence. 

Regrettably, despite the incontrovertible evidence presented, Wells Fargo has expressed reluctance in acknowledging the evident reporting inaccuracy. I have communicated to Wells Fargo the implausibility of a five-year charge on my business account, given the company 's recent establishment, spanning only a few months. 

In response, Wells Fargo advised me to initiate contact with XXXX XXXX XXXX XXXX, the credit reporting agency involved. However, my interactions with XXXX have been marked by a notable reluctance to provide meaningful assistance. Rather than effectively addressing the underlying issue, I have been subjected to a protracted and fragmented procedure, deviating from the expeditious resolution of the matter at hand. 

In light of the aforementioned circumstances, I wish to express my serious concerns regarding the handling of this matter by both Wells Fargo and XXXX XXXX XXXX XXXX. I seek a prompt and equitable resolution to rectify this credit reporting inaccuracy, which has adverse implications for my business.

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 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
I have received several phone calls and text messages about late payments, several times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: GLOBAL SOLUTION BIZ LLC.
State: FL

Complaint narrative:
I have been contacted by this company via, phone call, email and text. I requested information to verify who they are and what this is about and they denied. They've been unprofessional and threatening over the phone. They said they would show up to my house and freeze my bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
Applied for a loan, was approved, asked for all of my personal information they have screenshots of my bank accounts and social. Called again to their number and was told I was denied after I was told I would receive the money next business day. Now my calls are blocked.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This student loan account listed as DPT ED/XXXX Account # : XXXX & XXXX is listed multiple times on my credit report all with different information. This means this account information has not been properly verified under FCRA therefore it MUST be deleted. Furthermore, the account in question can not be listed multiple times this is adversely affecting my credit score and credit utilzation because of the high dollar of amount of each account. 

DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on account the account listed as XXXX XXXX Acct # XXXX. There are several inconsistencies which means this account information has not been verified and is causing me harm. 

Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act these creditors has violated my rights. Under 15-US Code 1681 Section 602 State that I have the right to privacy 15-usc 1681 sec 604A Section 2 also state a consumer reporting agency can not furnish an account without my written instruction. under 15-US Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act these creditors has violated my rights. Under 15-US Code 1681 Section 602 State that I have the right to privacy 15-usc 1681 sec 604A Section 2 also state a consumer reporting agency can not furnish an account without my written instruction. under 15-US Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I created an account with Transunion to check whether they had an issue with my file as I was unable to apply for a loan, and had no issues flagged at the other two credit reporting bureaus. I was able to login to the account but was not able to use any of the features in the website- credit freeze, credit dispute, credit report. On each of these pages, I got a message saying that this service was not available to me online right now, and I should call their support line. I have now called the support line several times over the past three weeks, and after being sent from the accounts department to the XXXX department to several managers, and was told I would get callbacks from tech support but have gotten nothing. Several people on the phone told me there was nothing wrong or flagged on the account, while another person told me they could see that the support team was actively working on my case- this was on XX/XX/29. The account is still locked to me after I login as of XXXX, and this block and subsequent inaction by Transunion is preventing me from applying for a loan for graduate school.

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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
Called on XX/XX/23 to change my payment plan from the standard plan to a graduated repayment plan. Call was cut off after a few minutes of talking to the agent. 

Called again and waited in queue. XXXX confirmed that my plan had been switched over and that I would see this updated on the website and by mail within 10 days. 

It has now been 16 days ( 11 business days ) and nothing has changed. I have tried calling twice and left a call back number after joining the queue. Both times the call connected then quickly got cut off. The live chat on your website has not been working for weeks. It is pointless trying to send an email as you claim that it will take 4-5 business days just for a response. 

Interest has started accruing on my loans, yet I can not even get in contact with anyone to get my issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
EARLY WARNING HAS STUFF REPORTING ON MY FILE WHEN NONE OF THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
The Collection Bureau of Walla Walla states that they made there one and only call to me XXXX XXXX on XX/XX/XXXX, that is false I have 3 separate incoming calls from them and each time they called they tried collections on debt that did not match my name or birthdate. Each time they called I asked for proof of debt to be mailed to me, I have yet to recieve any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I had XXXX XXXX XXXX cable for 6 months while I rented an apartment during this time period. When I moved, the movers put the boxes in the attic with the many other boxes. After locating the cable boxes in the attic, I mailed them back to XXXX XXXX XXXX. Last month, my wife went to the XXXX XXXX XXXX store to add another phone line and she was told that the account is showing that there is a balance of {$480.00} due to unreturned cable boxes. I contacted XXXX XXXX XXXX ( XXXX ) two weeks ago and the representative confirmed that they received the cable boxes. I called on XX/XX/2023, to see if this issue has been resolved and removed from my account. I found out that my account was sent to IC System Collection Agency. IC System ( XXXX ) advised me that XXXX XXXX XXXX 's policy is to still charge customers if the cable boxes are returned after 180 days - even though the cable boxes were returned and received by them. Attached is a copy of my proof of return. There was never any disclosure provided to me by XXXX XXXX XXXX of this policy either verbally or in writing. This is deceptive and abusive business practices. I am seeking assistance from the CFPB to have this collection removed from my XXXX XXXX XXXX account and from the IC System collection agency. They are trying to steal money from people.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have credit score of XXXX and I got the promotional offer from CapitalOne to apply for the credit card. When i am applied, application is rejected. Why they sent me the offer if they are going to reject me. Instead they are willing to offer somewhat less desirable credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase and change my mind. I contacted XXXX to no avail. I chatted, emailed on numerous occasions. All unanswered with a final one that gave some glimmer of hope- they confirmed the request to cancel was in the cancellation window and even offered ways to have my funds returned. When it was time to confirm the funds were to go back to my card, they said there was some kind of issue and that it would be escalated, and I would hear from them in the next 7 days. I never did. I opened a dispute and explained and sent PROOF of the many attempts I had made, confirmation of being in the cancelation window and being asked how I wanted my funds back. That proves I was correct. BUT Capital One sided with the XXXX and closed the investigation, I even spoke to a supervisor. She told me to send more emails to " build my case ''. I did so for absolutely nothing. Case closed. What in the world do I need them to dispute anything if they are not investing but rather taking the word of the merchant? The merchant that has so many complaints against them? They do not have a number to speak to anyone. I wonder why!! I spent hours trying to cancel. This is horrible and crazy!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
In according with the fair Credit Reporting Act XXXX Account : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX 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 furbish 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021, my auto loan was assigned to Chase Auto from XXXX XXXX XXXX. 
I became delienquent within the first 3 months because of financial hardship with covid & deceptive practices during the origination of the loan. 
I never received any information on my credit score or how my credit was ran or used.

I reached out to Chase Auto to try to adjust my payment plan or come up with a solution to avoid late charges and get current. 
I spent countless hours trying to seek a solution and the only answer I ever got was to make payment for forfeit the vehicle. 

Towards the end of the loan I was being threatened that if I missed 1 more payment, the vehicle would be repossessed. 

I ended up having to sell vehicle, but the entire loan origination, and management of the loan were predatory, as I am reviewing statements, none of the numbers are adding up, I was being double charged on late fees, or random fees, making it impossible to stay on top of monthly payments. 

After they received the loan payoff, Chase auto then took another XXXX $ out of my refund to pay for some random fee. 
The loan payoff was supposed to cover all remaining fees left to the account debited to the buyer. 

Chase Auto has done nothing but set me up to fail, and collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached release form and remove the account XXXX XXXX XXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following credit card accounts should not be reflecting on my current credit report due to natural disaster XXXX in XXXX. During the Pandemic it was a difficult time and I struggled with illness, a death in the family due to XXXX, and financial hardship making it difficult to maintain my bills resulting in multiple late payments As you will see I have been in good standing with all of my credit until XXXX hit. Take note of the following credit card accounts reflecting late payments during the Pandemic : 1. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 2. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 3. XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account # XXXX - Balance $ XXXX OPEN 4. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XX/XX/XXXX 5. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 6. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 7. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX Balance {$0.00} - OPEN 8. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 9. XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 10. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX - Closed XX/XX/XXXX 11. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XXXX XXXX 12. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance XXXX - Closed XXXX XXXX 13. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX Closed XXXX. XXXX 14. XXXX XXXX OPENED DATE : XXXX. XXXX, XXXX Account # XXXX Balance XXXX - Closed 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