vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I filed a dispute for a charged off account with XXXX XXXX  in the amount of {$3300.00}. When I called XXXX to inquire about this account, verify it, and see how to have it removed from my credit report, I had to speak with three different people. One person said they could not access it because they were in the process of removing the account from their system. The other two people said they could not access it because of the age. They were never able to verify the amount, the activity, or why it was on my report. I filed a dispute through Experian, they conducted a 30 day investigation and all they changed was the status date from XX/XX/XXXX to XX/XX/XXXX. I want to know how they were able to verify anything and why it was not deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
resurgent receivable {$450.00} keeps calling n emailing and texting me random hours about a debt i have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As I said, before I open my checking account in XX/XX/XXXX and may be eight months later Wellsfargo close my account saying that I had some type of fraudulent disposition in my account I appealed it and you all will send him back asking me about the check nobody never said nothing to me about no check me disclose my account and in XXXX they open my account sent me a letter to open my account {$500.00} I was XXXX XXXX XXXX then Im XXXX XXXX XXXX now Ive been with you all for nine years. You all just denied my claim asking me about the check! It was never A Check! Wellsfargo! Just Closed! you are never said nothing about no check! you know why you are close my account in XXXX like I said you are sent me a measley! ( {$500.00} )! 
That was not enough conversation and over the years since Ive been with you all this overdraft this overdraft is really terribly in the last year so I should be paid. I just had a situation where a somebody I didnt give permission and they told me! They were giving me {$190.00}! But I Only Received! ( {$130.00} ) Im A XXXX Citizen! XXXX Yrs XXXX Social Security! XXXX total ( {$930.00} ) Youve just denied me because you say something about a chick you are never said nothing about a check to say fraudulent activity close the account a year later gave me a measly {$500.00} and the last two years you are probably from overdraft.! Owes Me! XXXX knows how much.! 
I want to be compensated for the year that you all close my account saying something about some fraudulent. No I dont have no check to show you because you didnt ask me for now. Check you just close my account and for my overdraft so I should be compensated.At Least! ( {$2500.00} )! 
I should have been hearing back from you all on XX/XX/XXXX, but two weeks though you are denied it say, asked in about a check it wasnt about a check up you close my account for fraudulent activity youve been overdraft me! Lots If ( {$35.00} )! and messing up my money for! Last ( 18 ) Months! 
Overdraft Fees! I should be compensated for you all close in my checking account dont ask me but no check because all you all day it will see it fraudulent activity and the overdraft so I will continue to complain until I am compensated. Thank you.

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 2023-03-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Received a XXXX day payoff quote, sent payment for the total amount due. Payment due date has historically been the XXXX, payment received and processed by Capital One by the XXXX of XXXX. 

XXXX of XXXX, received an interest fee of {$78.00}. Spoke to a supervisor this morning ( the XXXX ) and was told there was nothing they could do. In contrast, I was also told they could help, just not in this situation. 

My entire balance was paid off, I went into the next billing cycle with a credit balance, and was charged interest. This is predatory at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continues to allow debit card transactions to be processed even though my account is in the negative and I keep my debit card locked when there's no funds in the account. Furthermore, the manner in which they post transactions is too confusing for consumers to understand which transactions have already been covered by my deposits and which ones are still pending to be charged a fee given their Confusing " extra day grace period ". I have a multitude of recurring bills and I work two jobs and I am unable to keep track of all the recurring payments but I should be able to trust the bank not be predatory. If my account is already negative and my card is locked, why do they continue to allow debit card transactions to go through? Just so they can rack up on {$35.00} fees. They charged me 5 {$35.00} overdraft fees in the last 7 days. It would have been more if I had not disputed some of the transactions. I shouldn't have to be monitoring my account this closely given my account was negative and card was locked!

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 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX I'm a living human with all the rights of 42 me from the fcra by being a US citizen please advise this complaint is against XXXX and transunion for the XXXX XXXX account it should not be listed as paid for less than the full balance but be listed as paid in full they have it listed as charged off at {$31000.00} which is true they did charge it off at {$31000.00} but I retained it possession of the truck continued making payments until the balance was {$19000.00} when trading the truck in they received {$13000.00} and this year XXXX XXXX issued me a 1099 for the remaining {$6900.00} making that truck paid in full not settled for less than what it was agreed but in fact paid in full I have checked with the tax industry professionals and they tell me that if it was originally charged off at {$31000.00} but I retained possession of the truck until the until what was owed was {$19000.00} then there should have been a amended charge-off and the total should have been adjusted being that there is no total adjusted that makes it being listed wrong and it is a violation of the fcra I would like to see the tax papers showing that they in fact change the charge off amount to the {$19000.00} or {$19000.00} that was owed and that he said it was paid in full secondly they have disputed this fact over and over which is a violation of my rights since I began they should be forced to remove this car this account without haste Sera writes afford me the right to have this file deleted because they have posted fraudulent account amounts I can prove that I made the night paid the truck down XXXX while still having possession and that means that unless they have the amended tax paperwork to show it's listed incorrectly

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 2023-03-24 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: Global Lending Services LLC
State: NJ

Complaint narrative:
THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX GLOBAL LENDING SERVICES XX/XX/2022 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Stellantis Financial Services US Corp.
State: NJ

Complaint narrative:
THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 FIRST INVESTORS FIN XX/XX/2022

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 2023-03-24 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: NJ

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. 

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, has violated my rights. 

XXXX5 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 2023-03-24 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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 explanation
Consumer complaint received 2023-03-24 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: SC

Complaint narrative:
I am a living human being this is not a duplicate I am a living human being this is not a duplicate my name is XXXX XXXX I'm a living human being with all the rights awarded to me by the fcra and the Federal tax act this complaint is lodged against experian Experian. On one of my accounts on my credit report Experian has fraudulently placed a statement by the consumer on this account I repeat they have illegally placed a consumer statement on my credit report on this account the account being XXXX XXXX I have disputed this account many times they got tired of listening to me and they placed illegally placed illegal in a civil court and in a criminal court to place something on my documentation saying that I said it and I did not say it I never asked them to put a statement down there and it is against the law for them to do so without my permission they have stated that I didn't know about a 15-day rule or something like that and I I never asked them to place a statement on my credit report never I am going to contact law enforcement criminally if it is not removed and the account is not deleted that is an illegal move they made you're never supposed to speak for the consumer I never asked them to do anything of the such

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 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Hey I deposited money to my robinhood account & they restricted my account after I verified all of my correct documents & they are holding on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In XXXX, I was a XXXX XXXX XXXX XXXX. My husband is a XXXX veteran who owns a small business. His small business was struggling due to Covid related economic issues. We reached out to Wells Fargo about suspending our mortgage payments for 6 months. They were very helpful and after 6 months they offered 6 more. At 12 months they offered 6 more and we declined. We resumed our normal payments. 9 months later, Wells Fargo decided to take our mortgage back to underwriting, stating we might not qualify for the same amount or interest rate. My husband was both very scared about losing our home and upset because we had already resumed payments at the full amount, and had never even been late. Two years later we are still dealing with Wells Fargo. We did everything they asked with underwriting. They change our interest rate. Very unfair. We just dealt with it and let it go until now. Now we are receiving letters stating because of us pausing our mortgage our escrow account is in the negative and we need to write them a check for {$12000.00}. We need help. I dont know what to do with them. They were supposed to help us during a global crisis and instead all they have done is cause us extra stress and burden.

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 2023-03-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is not a duplicate this is not a duplicate my name is XXXX XXXX I'm a living breathing human being my address is XXXX XXXX XXXX XXXX XXXX South Carolina XXXX my phone number is XXXX is it complaint is against Experian on a file XXXX they have launched a consumer statement on this account with and was never asked to do so they have fraudulently included this statement on my account for everyone to see and put words in my mouth that I did not tell them to that is an illegal move from a cra I would like to have this removed or else I'm going to call law enforcement not the FTC law enforcement because you can not legally place anything on my credit report saying that I said it if I did not I did not tell them to place this therefore it is illegal for them to do so

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 2023-03-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted WELLS FARGO CARD SERVICE about reporting late payment after account was paid in the amount {$420.00} in XXXX. WELLS FARGO CARD SERVICE still reporting late payment as recent as XXXX. This card was closed and paid off years ago. However Wells Fargo has been reporting late payments as an closed account. I do not have any late payment because I closed this account out years ago. I dispute this action back in XXXX and in XXXX. No action was taken and they continue to report late 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 non-monetary relief
Consumer complaint received 2023-03-24 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:
Its been over 30 days and still no response from XXXX, transunion, or XXXX. 
I've seen the letters on the XX/XX/XXXX. for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information 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