vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$110.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$730.00} XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Same account resubmitted more than once .some exact amount duplicate accounts that ate bogus. Some given new account number and re-submitted and other nefarious activities

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 2023-01-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The Experian is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.

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 2023-01-18 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: VA

Complaint narrative:
XXXX XXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with 3 reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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.

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 non-monetary relief
Consumer complaint received 2023-01-18 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: VA

Complaint narrative:
XXXX XXXXXXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with 3 reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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.

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 2023-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My money suddenly disappeared from my account and it seems my money has been stolen or mishandled through Bank of America. Twice this week, I transferred money digitally between my accounts from XXXX XXXX, to Bank of America. First on the XXXX of XXXX and yesterday the XXXX of XXXX. I received confirmation of the transaction via email and text message confirmations from both banks and when I checked my account on both instances, the money was visible in my account. This morning, I received a low balance notification to my phone from bank of america and when I checked my account, my balance was set at {$0.00}. I have no new transactions on my account and now the lines showing the deposits/transfers are no longer visible as if it were erased from the system. This is very frustrating as I needed the money to make a purchase. Now the money is suddenly missing. I need to know what happened and where my money is immediately and I have yet been able to get in contact with a representative and have been on hold waiting to talk to someone all morning. I no longer feel like I can trust this company with my money and will most likely be closing my account immediately after getting this issue resolved because this is ridiculous.

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 2023-01-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WSFS FINANCIAL CORPORATION
State: MD

Complaint narrative:
Wilmington Savings Fund Society through the XXXX XXXX XXXX filed a lawsuit case No XXXX in the XXXX XXXXXXXX For XXXX XXXX Maryland by use of an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX alleging that they requested a default judgement against me regarding alledged loan documents that were not signed properly on a personal debt with XXXX XXXX XXXX, which would cause them not to be able to collect said debt. I do not owe them any such debt. I believe court action is a tactic to create a false reason for me to get sn attorney and plead a response to an action that had been XXXX by XXXX over 20 years ago and is fraud and is an abusive collection tactic whereby the debt collectors is intimidates using XXXX court papers from someone named XXXX mailed XXXX XXXX XXXX XXXX XXXX California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I pay my mortgages every month online. I am never late. I have good credit. I paid one of my HELOCS on XX/XX/XXXX for a home in New Jersey at XXXX XXXX XXXX, XXXX XXXX. XXXX days later CHASE extracted XXXX rather than the roughly XXXX dollar mortgage. If I did something like this, I would have to pay XXXX times and it would be crazy to do! My bank is XXXX XXXX. I had no funds due to that large withdraw from CHASE. I begged XXXX XXXX to stop payment. They weren't sure it could be done as the payment was being processed. I then called Chase. The woman told me she would try and stop it from there end. XXXX XXXX was able to cancel the payment. CHASE kept all but XXXX to apply that XXXX payment. It created a glitch in their system where it looks like I owe back to XXXX of XXXX. I am being dunned and my credit is going to show poorly. I have been in contact with the XXXX XXXX who said they were working on it. A week from last week, yesterday, they told me to pay XXXX. I told them I would but said with that glitch in the system that they created, it looks like I owe XXXX and the payment won't be successful as it is insufficent an amount to accept. I was right. It didn't go through and the guy tells me I sound frustrated. I wrote to XXXX XXXX on XXXX who looks like their new CFO which is how this XXXX Customer Service division called me. However, I am in XXXX for XXXX months and my payment activity shows current. They are after me. This is wrong, wrong, wrong. I have never missed a payment. I am XXXX XXXX XXXX and this is abuse. Please help. XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened a business checking account on XX/XX/XXXX at the Wells Fargo branch in XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I supplied all necessary documentation including : Articles of Incorporation for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, EIN letter issued by the IRS, XXXX XXXX XXXX XXXX, and government issued ID. 
On XX/XX/XXXX I ordered business checks totaling {$160.00} for XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I was called by the bank ( XXXX XXXX ) asking to provide additional documentation. I told XXXX that I did not have or require anything beyond what was already provided and listed above. XXXX said he would work it out with his back office. 
On XX/XX/XXXX I received an email that my business checking account balance had gone to zero. I looked at my account online and saw that it was " closed due to XXXX ''. 
I called Wells Fargo 's XXXX numbers and got nowhere. I called the XXXX branch and spoke to XXXX who said I should come in the straighten it out. 
On XX/XX/XXXX I returned to the XXXX branch of Wells Fargo and provided my IRS issued EIN letter with payment coupon for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While there, XXXX checked with his back office to verify that the IRS EIN letter was sufficient for XXXX documentation. XXXX confirmed with back office that this was acceptable and that they would be able to re-open my account within 24 hours. 
The account has not been re-opened as on XX/XX/XXXX. 
When the account was closed, there was a {$38.00} balance that was not returned to me or my company. 
The {$160.00} worth of business checks are worthless.

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 2023-01-18 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/2023 I received notification that I've have an new hard inquiry from XXXX XXXX INTE. I have no idea for what because the creditors provided no information. So I'm taking this step to try an resolve the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: VA

Complaint narrative:
XXXX XXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with XXXX reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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. 
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 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The XXXX is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.

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 2023-01-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The XXXX is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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