vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: GA

Complaint narrative:
I filed a former complaint with XXXXExperian through this site. In response they stated that they were going to provide me the documentation and correspondence of all parties and conversation once the CFPB closed the complaint out. I have never received the documentations and it has been over 30 days. Here 's what I'm asking from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 RE : Method of Verification To Whom this May concern : I'm requesting the Method of Verification for the dispute account ( s ) below : Account Name-Account # Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX XXXX XXXXXXXX XXXX . ) Name of all creditors 2. ) Creditor 's address and telephone number 3. ) Documentation used to verify the disputes.

I'm requesting that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the request documentation, please delete the account ( s ) from mt credit report. 

Thanks 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 2023-03-04 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: MONEY SOURCE, INC., THE
State: NH

Complaint narrative:
The Money Source told me over the phone multiple times that enrolling into their Home Loan Modification Program would not affect credit reporting. This got approved in XX/XX/2022. The trial payments started in XXXX of 2022. They filed Non Disclosed to the credit bureau as agreed from XXXX, and XXXX of 2022. Then randomly slapped a 90 day late tag in XXXX dropping my score roughly XXXX points. In contacting them about it they said that is not how it works and it wont be fixed, even if the employee who have you that information is incorrect we will not fix your credit report. So I confirmed if you are acknowledging your company gave me the wrong information, that person would simply be talked to, and you would still let my credit report be negatively effected they would still let my credit report be negatively effected they replied yes. I asked for the record calls to be reviewed, which they never told me they reviewed them. I can again to confirm if it was done days later and they said yes, it was deemed correctly handled. Yet they reviewed calls from XX/XX/XXXX. And all calls I requested to be reviewed at the start of the application process where back in mid XXXX, and they denied reviewing what I asked them to review. Im not having my finical reporting be jeopardized do to their negligence and in fairness absolute disregard and disrespect towards their customers well being. Attached Loss Mitigation timeline, and credit reports. Disputes have been made numerous times with all credit bureaus. But The Money Source just tells them the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is illegally trying to collect a debt. XXXX XXXX already removed from credit profile due to identity theft, this will be removed or will file lawsuit against collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I upgraded blue cash everyday card to blue cash preferred card with promotion of get {$150.00} statement credit after spending {$1000.00} within first 6 months on XXXX XXXX, XXXX. I upgraded the card through a link from the promotional email from American Express. I did spend more than {$1000.00} within 6 months, however, they didnt give me {$150.00} credit. I called them almost ten times, from last year till now. At the beginning they said the promotion is {$150.00} credit with {$1000.00} spending within 3 months! I said I keep the email and I could show you. They said theyll investigate this, probably within 10 or 14 business days. I waited but no solution. Then I called again, they said open inquiry and still no solution. And everyone said differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my account due to a check that I deposited for {$260.00}. Initially the check was on a hold, then the funds cleared, but then I was trying send a payment to my credit card and the payment would not go through. I called Chase on XXXX XXXX XXXX and they let me know that my account had been restricted and was pending closed within the next 24hrs. When I asked why, they said that they could not verify the maker of the check and subsequently results in the check being flagged and account being closed. Then after being sent to multiple people I was instructed to take this issue up with the payroll company issuing the check. I did and they sent me a confirmation showing that they funds has been posted on their end and there should be no reason for the bank to hold my funds. So I called Chase back on XX/XX/XXXX, and spoken to another person and he relayed that there was nothing he could do and there was no verification in their database for the maker of the check. Which was interesting to me considering this check is issued by XXXX a payroll company that partners with the XXXX XXXX. Studio in XXXX XXXX, CA. Which is where I worked and got the check from. He told me to keep calling back because the check could possibly he verified at some point. No specific date, or time frame. Just at some point, if not after 2 years the fund will be handed over to the state, in which they will deal with it. I gave him the office number for the payroll company, but he told me he couldnt call and verify because the number didnt populate in his database. So I asked him how I was ever going to receive my money if he or anyone else who works for Chase is not allowed to call unverified numbers. Again how am I supposed to receive my funds if they can not verify. Upon further inspection I saw my last name and address were spelled incorrectly in the check which leads me to believe I was flagged for fraud. I have contacted the payroll company and have escalated the matter to their higher ups as well. Chase also claims I will receive a cashiers check for the other balance I had prior to depositing the check.Thank you, and look forward to being in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: FL

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. 

Account name : 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 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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
I tried to activate a netspend prepaid visa. I was asked to send my government issued ID and a copy of my social security card via email to them. I asked that they email me a link first to a secured email, and she would only answer to send it to XXXX. When I asked if they were US based, she ignored me for more than 30 minutes and finally admitted that they are not. And she insisted that I send all of my personal information via unsecured email to them to verify my name, date of birth and address. This was not to verify my social security number but she insisted that I send a copy of my card. She didnt answer my questions. She ignored me several times during the call. And even sat on the phone while I filed this complaint.

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 2023-03-04 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: FL

Complaint narrative:
I am interested in processing disputes for all incorrect information on my credit report with experian. alot of data is invalid an needs to be removed asap. please review all information submitted.

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 2023-03-04 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: FL

Complaint narrative:
Please see the attached files of dispute items that I am requesting to investigate and remove 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 2023-03-04 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: TX

Complaint narrative:
I reviewed my Consumer Report and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, and 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

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 2023-03-04 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: FL

Complaint narrative:
I am interested in processing disputes for all inaccurate information on my credit report with experian. please review an remove the invalid data asap. my file is incorrect all this data has been hindering my file.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Disabled my login : https : //usa.experian.comXXXX Give immediate error no chance to enter login information. 
Access denied Error 16 usa.experian.com XXXX XXXX XXXX What happened? 
This request was blocked by the security rules Your IP XXXX XXXX XXXX XXXX : XXXX ( ID XXXX ) Incident ID : XXXX Creating a new account does this : We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT it appears that you have discriminated against my XXXX number.

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 2023-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I paid Wells Fargo to release my vehicle XX/XX/XXXX at XXXX XXXX ( pst ) from my XXXX  XXXX XXXX account with my debit card. 
I was told ( by the Wells Fargo Representative ) that I would be able to retrieve my vehicle within 4 hours from a company, XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX. 
I went to the XXXX and was told by XXXX XXXX, that the release form was never sent and they would be closed at XXXX XXXX. It was XXXX XXXX ( pst  ) The Wells Fargo representative said he sent the release form and it was received when I called him at XXXX XXXX. He said he would send another and that would make two that he sent to release my truck. I do not believe Wells Fargo even applied my truck payment when I went into Wells Fargo and paid them in XXXX. 
My Wells Fargo Auto Loan number is XXXX. 
My vehicle is a XXXX XXXX  XXXX XXXX, VIN 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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Account name 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 2023-03-04 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX AUTO XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-03-04 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SLASH XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX CNS XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
https : XXXX USBANK states mobile deposits are available. but usbank states the features are unavailable.

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 2023-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see the attached files of dispute items that I am requesting to investigate and remove from my credit report.

Company response to consumer: Closed with explanation