vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Comenity regarding payment for my XXXX XXXX XXXX account and spoke with XXXX Reference # XXXX who transferred me to XXXX, Supervisor who transferred me to XXXX who advised he would file a dispute. The reference # I was given for that call is : XXXX. 
On XX/XX/XXXX, I called to follow up and spoke with XXXX, Senior Account XXXX @ Comenity. She said she put in a dispute where they will look at all payments coming in on XX/XX/XXXX and trace back to XXXX and I would receive a notice. 
On XX/XX/XXXX, I received the attached letter from Comenity stating my claim was received and were currently researching it. If additional information was needed a notification would be sent and to allow up to 90 Days to complete the investigation. 
On XX/XX/XXXX My bank, XXXX said they sent proof of payment was sent to XXXX XXXX XXXX XXXX OH XXXX - File Trace # XXXX ; Electronic Trace # XXXX On XX/XX/XXXX I called Comenity to check the status of dispute, I spoke with someone who said her name was XXXX & she was in the Ohio office Extension # XXXX and she was going to get this resolved On XX/XX/XXXX I received a letter from Comenity stating I am a valued customer and to call XXXX to resolve the inquiry On XX/XX/XXXX I called and spoke with XXXX XXXX, Supervisior who gave me a reference # for the call of XXXX. She told me I could upload the proof of payment documents through my account online. I proceeded to do that with XXXX XXXX on the phone, 3 times and received error messages and emails stating there was an technical error. XXXX XXXX said she was sending an email to the Dispute Team with a " time stamp '' and check on for documents. 

Last week I called Comenity and spoke with Senior Account XXXX, XXXX and was a advised the proof of payment was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For last year between XX/XX/XXXX XX/XX/XXXX Being receiving pre approved notices through emails and notifications from XXXX XXXX stating that I was pre approved for credit cards for at least XXXX And when I applied it was XXXX approved and it all was denied but they keep sending them XXXX XXXX times a week Its stressful because it lies and get your info and you apply over and over loosing points and was hoping to get approved. I really needed the money for medical bills it has caused harm stress and affected my credit by multiple inquiries and also medical stress and denial from other companies I ask them to stop and has not! 
My score is dropping and their saling my information for profit while I struggle its cause great stress and affect my living!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
following accounts are incorrect, and the affecting me XXXX XXXX XXXX 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 2022-12-20 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: GA

Complaint narrative:
I summited a complaint with the CFPB about TransUnion XXXX is the number for the referenced complaint. They have removed most items but there are some items on my consumer report identified by me as fraud that still remain and they need to remove them. XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX are the items that have been identified as fraud on my report and need to be removed.

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 2022-12-20 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Debt was sold to XXXX XXXX services and account was settled and closed on 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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been asking to enroll me in overdraft protection and debit overdraft and I was charged for a payment for XXXX and I never got my driver but got charged with it every time I call customer support they only help me half ways and then tell me they can't do nothing about 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
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
XX/XX/2022 Prosperity bank did the the international wire transfer to XXXX to my Account in XXXX with XXXX bank. 
Wire transfer is for {$250000.00} ( American dollars ) Time that I was supposed to have the money was XX/XX/2022. 
I had to comeback to XXXX to find out was going on with my money and no one seems to know where my funds are. 
On XX/XX/2022 I received an email from prosperity bank letting me know that XXXX XXXX bank created a case number XXXX and that the funds are pending at the beneficiary bank waiting for documents from the beneficiary - Ive contacted all banks and no one will tell me what is needed. The reason I borrowed this money was for a property purchase in XXXX for which my substantial deposit is now at risk over these delays. I also had to pay for an addendum to the sales contract. XXXX is short and I am deeply concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ZIONS BANCORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX over {$200000.00} was deposited into my checking account at the XXXX branch of the XXXX XXXX XXXX XXXX. On the same day, I moved to Washington state. In attempting to wire transfer funds to new investment accounts after moving, I was informed by XXXX that I could only transfer {$10000.00} a day using online wire transfers -- something I had been doing with XXXX for over a year. I would have to personally go to a branch office to wire larger amounts. But there are no branch offices within hundreds of miles of me. 
On XX/XX/XXXX the XXXX branch manager submitted an expedited request to increase the daily limit to {$150000.00}, a process he said would take a couple of days to approve. Three or four days later I began calling the bank daily asking for an update. It is now XX/XX/XXXX and my limit is still {$10000.00} a day -- which forced me to wire {$10000.00} a workday and made it impossible to open certain investment accounts. 
I have never been given a reason for the delay and the bank has never contacted me with an update. I have been losing interest on my funds while XXXX has been earning interest on them since the {$200000.00} was deposited on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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: VA

Complaint narrative:
I received an adverse notice from a creditor who is reporting that Experian provided them with a XXXX credit score. I check my Experian credit score daily and it is currently XXXX. The creditor further advised that they are unable to verify information the information contained on my report. None of which makes any sense to me. My credit score is between XXXX - XXXX with the other credit reporting agencies. Every month I have to report these agencies for FRAUD and incorrect entries that impact my quality of life. They refuse to remove the entries and lie and say theyve been verified when they are disputed. I know they arent disputed because the said account that Im constantly disputing HAS BEEN PAID OFF! As a result, I have suffered countless losses because of this issue and Im sick of writing to you about it. Now Im going to take legal action and sue Experian for personal loss/suffering, humiliation, and damages since they cant seem to amicably resolve this issue via the CFPB.

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 2022-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I purchased a car XX/XX/XXXX and noticed my signature has been forged and identity theft was committed said date the contract was established with XXXX XXXX the initial contract has been assigned to a 3rd party dealer without my consent or knowledge meaning the initial retail installment contract I signed with my true signature and the contract that has my forged signature is not the same nor did i willfully give any consent for anyone to sign said contract on my behalf i was tricked forced and coerced into this contract with Credit Acceptance for {$41000.00}. XXXX XXXX withheld pertinent information from me for example my right to rescind, falsely stating optional features are required. I've sent 3 letters to credit acceptance on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all via certified mail to exercise my right to rescission and taking steps of filing for identity theft XXXX and called their corporation on this day XX/XX/XXXX to let them know of this fraudulent account and awaiting a response. This has caused me tremendous XXXX  XXXX discomfort and damage..

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: GA

Complaint narrative:
For last year between XX/XX/XXXX XX/XX/XXXX Being receiving pre approved notices through emails and notifications from credit karma stating that I was pre approved for credit cards for at least XXXX And when I applied it was dis approved and it all was denied but they keep sending them XXXX XXXX times a week Its stressful because it lies and get your info and you apply over and over loosing points and was hoping to get approved. I really needed the money for medical bills it has caused harm stress and affected my credit by multiple inquiries and also medical stress and denial from other companies I ask them to stop and has not! 
My score is dropping and their saling my information for profit while I struggle its cause great stress and affect my living!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: NJ

Complaint narrative:
In XXXX  my XXXX was repossessed from my driveway. I was only XXXX weeks past due. I received NO mail, emails or any other notifications that my vehicle was in danger of being repossessed by Wells Fargo. 
I woke up one morning to find my vehicle missing. I called police department to report my car stolen and the police informed me my vehicle was repossessed. Had I received notice from Wells Fargo I would have immediately caught up any arrears to keep this repossession from happening. I contacted my branch of wells Fargo by telephone and was told, in effect, too late.

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 2022-12-20 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX has placed an erroneous collection on my Transunion credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with XXXX XXXX XXXX. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.

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 2022-12-20 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:
{$2500.00} Open balance XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY. 
Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXXXXXX Account # XXXX, have 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 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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I financed a car with Wells Fargo in the past. 
I was subjected to some unfair financing and terms. 
I purchased the car around 2008. 

Thanks, 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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX. 2022, I deposited into my Regions checking account a {$500.00} check from a client and a {$500.00} money order issued by the XXXX. A 10-day deposit hold was put on both. 

I was told there was nothing that could be done and interest would not be paid. 

The Money Order issued by the XXXX is not a deposit instrument and 3 days is the limit the bank has to pay this. Their reason for holding both? They might not get paid. 

I have never bounced a check at Regions, they have no reason to hold my deposits.

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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I moved out my apartment in XX/XX/2021 at XXXX XXXX apartments in XXXX XXXX, La. I was sent my final bill along with all fees and repairs and paid the full amount resulting in a XXXX balance. My account was sent to collections for a debt not owed And I want the account removed 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 explanation
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
I received my reinvestigation results back from Equifax. They said everything was 100 % complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ). 

Because the list of accounts below is not accurate. The date open, date of last active/activity, and date of last payment are NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ). 

I attach a consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: MI

Complaint narrative:
PA 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. An 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 2022-12-20 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: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
Amerassist AR SOULTIONS has placed an erroneous collection on my XXXX credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with AMERASSIST AR SOLUTION. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation