vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX if one compnay is reporting XXXX  all of them should report 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 2022-08-21 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.

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 2022-08-21 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: FactorTrust, Inc.
State: NY

Complaint narrative:
according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one company is reporting XXXX  all of them should report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.

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 2022-08-21 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: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA XXXX XXXX for {$840.00}. The date is XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CORELOGIC INC
State: NY

Complaint narrative:
according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one company is reporting XXXX  all of them should report 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 2022-08-21 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: LEXISNEXIS
State: NY

Complaint narrative:
according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX if one company is reporting XXXX all of them should report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: Cascade CISS Holdings, LLC
State: AL

Complaint narrative:
i have a inquiry on my report XX/XX/2022 from XXXX. i need it removed i never applied there thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unable to get a credit report ONLINE from Equifax. My bank is not able to see my credit report. its been 6 months since I had a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name, current address & employment are incorrect, and or missing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XX/XX/XXXX I attempted to use my Capital One credit card and the transaction was declined because of " suspicious '' activity on the account, in talking to the company agent he asked me to verify my identity with by uploading my driver 's license through a link he sent to my on my phone number on record. I complied and sent the verification needed, I was told at the time the process would take several business day to verify my identity. 

On XX/XX/XXXX, I checked the status on my card only to find out that the account was still restricted, so called Capital One again and this time they sent me an email to upload personal identification documents to again verify my identity, and never got an explanation why the first verification did not suffice. 

Over the next XXXX months the same scenario kept repeating, I wait and check the status and they repeatedly ask for more documentation, at this point I had repeatedly uploaded my driver 's license, my social security card and several utility bills and always got the response when I check the status weeks later that there's still a discrepancy and I need to do the same document uploading again. The last of these document uploading emails were sent to me XX/XX/XXXX. 

I finally gave up on this process and called XXXX last time to get my reward miles transferred elsewhere after paying off the card. I was told that the account was closed and nothing could be done on it at this point. 

Capital One has harmed me in XXXX ways, first they restricted my account for an extended period of time without a good explanation or an effective process to restore the account, second they had close my account without my knowledge or consent which will negatively affect my XXXX XXXX, and finally my reward miles that I have earned through the years and kept the account in good standing have vanished with no recourse for me to get them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.

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 2022-08-21 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: FL

Complaint narrative:
Experian has knowingly furnished inaccurate information on my consumer report. Although proper dispute procedures were followed. The medical collection accounts are still being furnished in delinquent status despite me not validating the alleged information reported. Account XXXX XXXX has provided Experian with second hand information. Experian did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the XXXX accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to Experian for reporting purposes. Experians negligence have caused a grave error on my report. That has made it hard to extend credit as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and Experian refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness.

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 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name, current address & employment are incorrect, and or missing 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 2022-08-21 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: FL

Complaint narrative:
My name, current address & employment are incorrect, and or missing 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 explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
MicroBilt at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, Attn : Consumer Affairs. 

XXXX account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX  account # XXXX account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as 2 tradelines not mine bridgcrest account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: FL

Complaint narrative:
My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. 
XXXX, and Experian is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give XXXX and Experian written permission to furnish these accounts. 
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 2022-08-21 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Somebody fraudulently opened an account in my name. Get this off of my credit report. Affirm Inc. : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX THIS IS FRAUD. THERE IS A XXXX FREEZE ON MY CREDIT FILE. HOW DOES THIS XXXX GET PAST THE BUREAUS?! Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE CLOSED MY CREDIT CARD ACCOUNT WITHOUT WRITTEN NOTICE AND HAS REFUSED TO REOPEN THE ACCOUNT OR REFUND MY LARGE REWARDS BALANCE ( 28110 POINTS VALUED AT {$280.00} ). I TRIED TO RESOLVE THIS WITH THE COMPANY BUT WAS TOLD IT IS THE POLICY OF THE COMPANY TO CLOSE INACTIVE CARDS. I ASKED FOR PROOF OF WRITTEN NOTICE AND WAS TOLD BY XXXX AGENT IT WAS EMAILED, THEN BY A SUPERVISOR IT WAS MAILED. I RECEIVED NOTHING BY EITHER EMAIL OR MAIL AND REQUESTED THAT THEY REFUND MY POINTS OR REOPEN THE ACCOUNT SINCE I BELIEVE IT WAS DONE IN ERROR. I WOULD LIKE THE ACCOUNT REOPENED AS I HAVE EXCELLENT CREDIT AND MY REWARDS RESTORED. I HAVE MULTIPLE ACCOUNTS WITH CAPITAL ONE AND FEEL THIS WAS DONE TO CHEAT ME AND OTHERS OUT OF MY REWARDS BALANCE. I HAVE SEEN THIS REPEATEDLY SAID TO OTHERS IN COMPLAINT FORUMS ONLINE. THE BANK SHOULD HONOR THE DEBT AND STOP LOOKING TO CHEAT HONEST CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My Ally Bank debit card was charged XXXX XXXXXXXX in XXXX. Despite a huge spike in fraudulent charges in XX/XX/2022 to Ally Bank debit cards Ally Bank did not notify customers about this data breach. Disputing transactions online was not possible - it just said to call. Wait time on the phone was over an hour.

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 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I attempted to add {$100.00} to my Revolut account using XXXX XXXX ( XXXX XXXX ). I was then restricted and a request to confirm the " card '' being used to load my Revolut account was mine. I followed the instructions and for over XXXX hours I did not receive any response. I had to flood their direct message box on XXXX to get any attention, the representative who ended up taking my original chat in their app, provided no help and informed me it was being reviewed. Upon checking the status, no movement has been made, it doesn't even state the review has been submitted. I received my salary from XXXX XXXXXXXX via direct deposit to Revolut and I've completed their identity verification upon opening my account.My direct deposit from XXXX XXXX will be deposited on XX/XX/2022, I need access to those funds for bills. It has been more than XXXX hrs and absolutely NOTHING has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: AL

Complaint narrative:
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account XXXX XXXX card Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX Account listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-21 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: AL

Complaint narrative:
XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX credit card Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX  account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX  account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation