vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CrossCheck, Inc.
State: TX

Complaint narrative:
On XX/XX/23, I wrote a check to XXXX XXXX XXXX for {$1400.00} and CrossCheck denied it. We had over {$50000.00}. in that account. I wrote another check for {$1400.00} and CrossCheck denied it, too. We had over {$25000.00}. in that account. If I hadn't had a credit card to use at the time that was approved, I'm sure they would have called the police to come arrest us. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
Two charges were placed on my account that I never authorized. I gave Wells Fargo description that I was not even in the locations that these transactions were charged on. 
Wells Fargo said that they did investigation within a day on the weekend and said that my issue was not fraud that it couldve been me

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and anxiety, to XXXX XXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Ask company not to call me before XXXX because I'm at work and cant talk, every phone call is before XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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 do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documentation.

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 2023-08-29 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I need negative hits on my credit to be resolved by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Professional Recovery Management
State: TN

Complaint narrative:
I need negative hits on my credit to be resolved by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank has committed fraud and deceptive practices on myself by seducing me to apply for their XXXX XXXX account to bolster their own selfish company metrics, then denying me credit approval by providing a false reason for denial. This was accomplished when i accessed the XXXX 's website for my XXXX XXXX account, and the popup claimed pre-approval for a XXXX credit card. This deceptive practice is illegal and ultimately immoral to the general public and must be addressed by the govern bodies of the USA and Federal regulatory agecies. 

Denial reasons were stated as follows : 1. Delinquent or derogatory accounts ( of which i have NONE ) XXXX attachment will verify this. 
2. No recently opened real estate secured loans ( Never heard of this denial reason for credit card ) but i do have a second mortgage 100 % paid each monthly cycle and up to date in all area 's.

3. Too many Inquiries ( yes now i have an extra one due to comenity bank deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: MA

Complaint narrative:
Wakefield & Associates call me even after I told them the person they are trying to reach is not associated with this number. I have received 12 text messages as well without any actual information, just a link and a phone number. This is the detailed call list. 
XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX when I told the company there is no such person and to stop calling. 
XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX rep hung up XX/XX/2023 XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: PA

Complaint narrative:
I filed disputes with Wells Fargo since XXXX XXXX. Theyre claiming that I authorized a transaction that was sent to me cia text aa a fraud alert,. I DID NOT AUTHORIZE THE TRANSACTION!!!! I DID NOT RESPOND TO TGE TEXT!!!! I called immediately after the fraud alert! XXXX even has proof that i was not the person that verified the transaction! Wells Fargo is still denying to give me the funds back! I dont know any XXXX XXXX XXXX that is the person that used my debit card under there XXXX account! XXXX is more than willing to share all information with Wells Fargo! Its ridiculous that i have to go through this! Im sure i am not the only Wells Fargo customer with this problem! Wasnt well fargo stealing money from there customers before?! Ive been with this bank since XXXX and i never felt so abused by this company. Im am not going to stop fighting this! I have been trying to be so patient! I may have to get a lawyer involved because this is hurtful and ridiculous! {$2500.00} is a lot of my to steal!!! I want my money back! Im still waiting for Wells Fargo to give me the money back. Im so tired of being hurt by this bank!

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 monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
Back in XX/XX/2023 I made a payment to Freedom Mortage, on time as always. They had changed my escrow and my payment was on time but not the change in escrow. I did not find out about this until XXXX, after they reported my being late- I'm NEVER late. 
They took the late fee off, because it was not late but they reported me to the credit bur. and will not take it off, This is hurting my credit in a big way. XXXX months ago I sent them a letter requesting to take over my escrow so this does not happen again. I just got the unsigned generic letter saying no because I had a 30 late payment -- -- -your kinding right!!! I have tried to talk to them about this but they say their policy is not flexible, even thow it was them that made me late by not posting. 
This same situation just happened to me again this month of XXXX they changed my escrow and did not post my payment, Luckly for me I caught it before the 30 days. This is even more reason I want control of my own escrow, they keep screwing it up and changing it. 
Now I am waiting for a call from the next up in line to tell me its their policy. 
Dont I have a right to control my own excrow? 
And my payment was not late in XXXX, they made it late, even took off the late fee but wont change credit reporting. This is WRONG 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: AR

Complaint narrative:
Negligence, poor billing practices, trick and device/scheme and or fraudulent billing I was a previous DMV investigator for the State of California and worked credit card fraud and was a member of the International Credit Card Fraud Investigators Association . 

Here, FNBO is violating the XXXX XXXX XXXX with XXXX XXXX. 
FNBO is under contract with XXXX XXXX XXXX as well. 

Here, FNBO under Credit Card # XXXX does not participate in the normal business practices of automatic and automated credit card payment system, thus this adds significate delay in processing payments as my banks have to send a " Snail mail '' check to FNBO for processing. 

Plus, a memorandum by the XXXX stated last year, a significant delay with XXXX process of mail, whereas FNBO has not acknowledge in their payment processing. 

Herein lies the continued issue with FNBO, when a payment is submitted to my bank, XXXX XXXX, which is only a internet bank, they have to physically cut a check and mail to FNBO. 

FNBO inherently has a really poor performance record of clearing any check, takes over XXXX weeks an up to XXXX weeks to process and reflect on their end. 

This is way over the time for processing in like kind commerce, thus here under trick and device, negligence, FNBO common violations are an attempt to delay payment, adding fees and charges to the consumer in violation of the XXXX XXXX master contract with banks and financial institution. 

The way FNBO makes snail mail a process to pay, inherently makes this account subject to needless delay in processing. In addition, the XXXX XXXX XXXX a small city in XXXX, leads credence to questionable times, employees actually go to the XXXX XXXX XXXX pick up and process bills send to the entity. 

FNBO billing practices are subject to CFPB oversight, and we are alleging, negligence, trick and device and a scheme whereby they intentionally delay and charge customers fees and charges for delay in payments that is set up that way by FNBO. 

We suggest CFPB conduct an audit of FNBO billing practices as this is not an isolated incident and a practice since I obtained this card a year ago, as they routinely take up to XXXX weeks or more to process mailed in payments.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1960 Dear Sir/Madam, I am writing to lodge a formal dispute and seek your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate information that has been reported on my credit report by XXXX XXXX. I believe that my rights under the FCRA have been violated by the actions of this creditor, and I kindly request your intervention to address this matter. 

XXXX XXXX  | Account number : XXXX : Potential Violation : Inaccurate Reporting and Failure to Correct Relevant FCRA Section : Section 611 - Procedure in case of disputed accuracy I am deeply concerned that XXXX XXXX  has inaccurately reported information regarding this account on my credit report. Specifically, they have reported this account as updated when, in reality, nothing has been changed. The same incorrect information continues to be reported, and there has been no actual update to the account. Furthermore, incorrect late payments are still associated with this account, which is negatively impacting my creditworthiness. 

This situation has caused me significant distress and concern, as the accuracy of my credit report is of paramount importance to my financial well-being. I have diligently managed my credit responsibilities, and I expect creditors to accurately report my financial history. 

As a consumer protected under the FCRA, I am entitled to a credit report that is free from inaccuracies and errors. I have attempted to resolve this matter directly with XXXX XXXX, but they have failed to take appropriate action to correct these inaccuracies. 

I kindly request that you enforce the provisions of the FCRA in my case and ensure that XXXX XXXX promptly corrects and updates the information associated with this account. The accuracy of my credit report is essential for my financial stability, and I trust that you will take the necessary steps to rectify this situation. 

Thank you for your time and attention to this matter. I look forward to a timely resolution that will help me regain the financial security that has been compromised by these inaccuracies. Please feel free to contact me at [ Email Address ] or [ Phone Number ] if you require any further information or documentation from my end. 

Sincerely, 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 2023-08-29 00:00:00
Product: Credit reporting 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:
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.

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 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from XXXX, TransUnion, XXXX that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.

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