vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: NY

Complaint narrative:
On XX/XX/2023, I remove my credit freeze from Experian because I was applying for a job, on XX/XX/2023, around XXXX XXXX I tried to login into my Experian Account to place back a freeze on my account, however, I could not, I tried to reset my password and forgot my username options, I found out that my email address, was changed, I immediately call Experian Customer Service to get help, they could not help me out they bounce me from department to department until a representative gave me an email to send a copy of my driver 's license, passport, social security card, and a utility bill, I did send the documents within an hour, I called them to verify if they receive and told me they did not know if they get them because that was a back office department, I asked for help because the criminal that changed my email address tried to open several credit cards and loans under my name. 

Experian does not care about service and their reps laugh about the situation that is happening to me. 

Please help me out.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Company keeps sending me emails about my account such as XXXX XXXX which I paid off in full and mails and offers for my sister business she is not interested in American Express to my address and I want them to remove my email address for my credit guide I want to unsubscribe from it I no longer needed and I would like to place on cease status of all my old accounts with American Express and all the mailing to stop and my email XXXX and my phone numbers to be removed from there list thank you I will not pay for anything Im refusing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
These scumbags once again sent mail here to DEAD ENTITIES/LEGAL FICTIONS. They have recieved XXXX insurance money ... now they can get the XXXX out of my life or each month they'll get a XXXX claim/FEE for IDENTITY THEFT, Administrating Property ( XXXX & XXXX ) without Right, Consent or Contract & Loss, Injury and Harm.. EVERY piece of mail sent here ... a {$300000.00} TORT will be filed. WELLS FARGO has committed FRAUD that they want to ignore and multiple CRIMES under 18 USC 242 .... this abuse will not be tolerated.

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 2023-05-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX Complaint ID is XXXX. Equifax Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX Account Number : XXXX or XXXX, payment history is inaccurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.

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 2023-05-18 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My account was falsely accused of suspicious activity and has currently been frozen for 16 days and counting ( Start date XX/XX/23 ). Having called the bank on. XX/XX/23 after realizing the account was not able to be used for anything. I was told the account in question was under investigation and would have a resolution within XXXX days. While the funds in the account are secondary to everything, since this false accusation was started I have been unable to send/receive anything in relation to the account. Today ( XX/XX/23 ), I began the process of calling the bank for a resolution and was told the account was still in question/investigation and now it would take up to 90 days to receive results. As I stated I would like to just close the account entirely, I was told that can not happen until the investigation was through.

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 2023-05-19 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: NV

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX MA XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX, XXXX XXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Inquired on XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2023-05-19 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: NV

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX L XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX MA XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX DEPARTMENT OF EDU XXXX XXXX XXXX {$200.00} XXXXL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXL XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: CT

Complaint narrative:
Purchased a vehicle on XXXX XXXX and realized that the car does not have automatic locks and manual roll down windows. On XXXX XXXX XXXX XXXX XXXX, I cancelled the transaction due to this because of safety concerns for myself and my dogs that are frequently in the car with me. I never signed the contact for the vehicle. I contacted carvana about the {$1900.00} shipping fee to see if this could be reimbursed because the car had not shipped yet and told them my concerns about not having automatic locks. They refused to refund the shipping fee because it was over XXXX hours ( it was approx. XXXX hours when I cancelled the purchase ). 

Its difficult to even get in touch with anyone from Carvana ( only received a call after submitting a XXXX  complaint ) - they will only text you generic responses and are unable to speak with a manager to discuss. I am requesting a full refund for the shipping fee. I feel completely scammed and cant believe they are not refunding for a car that never shipped and went immediately back online for sale when the purchase was cancelled. 

Contacted XXXX  by Carvana after requesting a call back on XXXX and missed the call. Was unable to call them back directly on that number. 

Contacted by XXXX XXXX XXXX, ( after submitting a XXXX XXXX XXXX complaint ) via phone ( on a phone number that is not accessible to call the company - XXXX ), and was informed that the shipping charge would not be refunded even though the vehicle did not ship and immediately went back online for sale. He became extremely nasty on the phone ( to the point where I was visibly upset ), and informed me that if I pursued anything against Carvana that it would be a " waste of my time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complaint again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fait Credit Reporting Act ( Capitol One Account Number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it 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 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had for XXXX  years XXXX bank accounts with Bank Of America. 
XXXX checkings and XXXX savings. 
My account were hacked using the XXXX XXXX which have my bank debit card id. 

On XX/XX/XXXX of XXXX the following non authorize transactions were removed by XXXX XXXX {$4900.00} {$1900.00} {$7500.00} from XXXX checking account. 

Also {$7500.00} from a second checking account. 

I immediately notified the bank and they closed all XXXX accounts. stop my debit card and re-issued me XXXX new accounts. XXXX checkings and a new savings account. they told me they will start an investigation. to follow the money?. After I waited patiently for a determination I was told today my claim was denied. Over the phone, not by mail. Bank of America refused to provide me with provisionary credit until the claim was under investigation. I feel now like a criminal instead of a victim of fraud and I feel the bank is mistreating me after XXXX XXXXears of services, maybe because I am a woman, a XXXX, and a senior. I want a further investigation and find out where my money is.

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 2023-05-18 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: First Federal Credit Control, Inc.
State: CA

Complaint narrative:
First Federal Credit Control reporting agency has been illegally been harassing me over the years. Providing false statements to the credit bureaus. In addition reporting a {$3000.00} bill on my credit report for a XXXX XXXX. I never owed {$3000.00} and never went back to him. I gave him XXXX in cash. And the dental work failed. I was told to eat what I wanted to eat and then part of the crown partial snapped and I ended up getting XXXX more bottom teeth extracted. In addition, he told me to come back in and his financial person refused to let me come back in for him to correct the error of the dental work. So, the dental work I paid for failed and they refused to fix it. This has been over five years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: DE

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, Account : XXXX, Account : XXXX XXXX XXXX Card Account : XXXX XXXX has violated my rights. Or list of inquiries 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 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