vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim.

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I submitted a fraud dispute back in XX/XX/XXXX for a unauthorized charges I did NOT make. However, in XX/XX/XXXX, I received a response from chase stated that I have to be responsible for the charge. THe detail of the transaction is listed as below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: IL

Complaint narrative:
XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: IL

Complaint narrative:
XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts Experian Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 5 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2023 I went to a Wells Fargo XXXX XXXX and I also reached out to the XXXX ( XXXX ) XXXX number. I had transactions on my card that weren't mine they were XXXX or XXXX transactions and the total of the purchases was in {$700.00} 's .They cancelled my debt card for I believe it is 1 year. I was told that they weren't going to refund me anything. Upon contacting Customer Service I was told that they could not do anything because the card was closed. 

This is an inappropriate way to handle the matter. This was the second time that fraud had occurred to me using my debit card. 

My original card was replaced and I noticed that money on the account wasn't what I should have. 

When I went to branch to discuss the matter the person was very unprofessional and treated me as if I were committing fraud. 

I explained that the funds we're not approved by me. That I was never notified as the bank used to verify purchases prior to paying for purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TX

Complaint narrative:
The inquiries are unauthorized and need to be REMOVED from my credit file immediately XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TX

Complaint narrative:
The inquiries are unauthorized and need to be REMOVED from my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Over draft fee was to much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
There was fraud. Money taken out my account. I had to close could not afford the overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NAVY FEDERAL CREDIT UNION Account number : XXXX Balance {$8000.00} Navy Federal has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and XXXX to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX : notified Experian someone had used my ID to try and open XXXX credit cards at XXXX XX/XX/XXXX. Placed fraud alert on all XXXX major companies. XX/XX/XXXX same person tried another card in my name same place XXXX. Experian Let Them Have the Credit Report!!! No record of my fraud alert, I could find no dispute of hard inquiry by XXXX on XX/XX/XXXX. Had also requested dispute of that inquiry. It is not on dispute. It gets worse. 
Today called Experian, XX/XX/XXXX. Tried to plave a free freeze, system hung up on me when giving me pin number. Called back XXXX times, could npt get a person, nor could I confirm the freeze was put on. I had to pay XXXX a month to freeze my XXXX credit! They are crooks, extorting this money out of me, or let them issue reports and credit to whomever has my information! 
XXXX  XXXX XXXX I called them XX/XX/XXXX, they said they would be investigating this and making alerts, but, again, same people tried to pull credit on my name again XX/XX/XXXX, how could they let this go through?! 
I need : both XXXX XXXX XXXX  XXXX XXXX Taken Off/discarded XXXX XXXX back to where it was before these inquiries A record in writing on paper of the existing fraud alert, the pin number of there was an actual freeze by me by phone today and refund of all monies I must pay to keep my credit info safe ( blood money ) until a proper free freeze with me having gotten the PIN NUMBER to my freeze so I can unfreeze when I need to change phone companies. 
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 non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was wiring funds for a real estate matter and Wells Fargo froze my account due to suspected fraudulent activity in regards to the deposits posted on my account. There was no flagging of my account when the deposits occurred only when the funds were being sent out of my account. Wells Fargo demanded that I go to the branch and get on the phone with their national fraud investigative team where My privacy and the right to my own funds was abused. The matter was dealt with after I answered all questions multiple times. Months later I closed my Wells Fargo account due to the customer abuse I experienced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ZuntaFi Corp
State: MI

Complaint narrative:
My mother receives letters in my dads name, XXXX, and that she is a co-signer. The loan is for my car. I currently have no record of XXXX ever and have been paying my loan via XXXX. I have never consented to signing any other outside loan servicing agency for my vehicle other than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I have been making payments to this company for n old debt even through the recent pandemic and the interest said attached to this debt is wrong. They have unfairly attached an interest rate that exceeded original amount with the company whom they purchased the debt from. This debt should have been satisfied if the unfair interest charged had not been assessed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Around XXXX or XXXX, I had a car loan with Wells Fargo. I did pay the loan, but I think they charged me more than I owed. I let it slide at the time, because they were not pleasant to deal with and I just wanted to be rid of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America XXXX XX/XX/XXXX I got an alert that my account balance was low. When I looked at my account I discovered that {$5700.00} was taking out of my checking and savings account. {$700.00} from my checking and {$5000.00} from my savings. 

I was told by Bank of America that they have 90 to refund my money and they didn't. Nobody will give me any information and I'm not sure what to do. All they have said after spending hours on the phone is that they are investigating it.

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