vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30 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: FL

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 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to Trans Union to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express is blatantly denying the increase of my credit limit on one of the cards.

When I called Amex a few days ago, I was informed that I would be able to increase the credit limit on Blue Cash Everyday after 90 days beyond the account opening date and the customer representative told me the exact date when I could request a credit limit and that is XX/XX/XXXX. But, when I called Amex on XX/XX/XXXX to increase the limit, they said it is not available and I still have to wait longer. I feel betrayed and Amex hasnt kept its promise of allowing me to apply for an increase.

When I told Amex that earlier they said I could increase the credit limit but they deny the fact what they said earlier. 
The small credit limit restricts my purchasing power thereby tying my hands to make purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: TX

Complaint narrative:
On XX/XX/ an unauthorized transaction of {$120.00} was posted on my bank account. The merchant name is XXXX XXXX XXXX XXXX XXXX' and the Merchant address is XXXX XXXX XXXX the category is " Other Insurance/Financial ''. That same day I did a purchase of {$7.00} in XXXX XXXX XXXX, XXXX. The merchant name of the authorized {$7.00} transaction is XXXX, merchant address is XXXX XXXX XXXX and the Category is " Other Insurance/Financial ''. This leads me to believe the card information from the {$7.00} transaction was immediately used for the unauthorized {$120.00} transaction. I opened a dispute with my bank, Wells Fargo, but they denied the dispute and won't allow me to reopen it. 

I would try to reach out to the merchant, but the merchant shown in the unauthorized transaction is just a company that designs and sells card terminals, not an actual merchant of services.

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 2023-08-30 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-30 00:00:00
Product: Credit reporting 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: CA

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.

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
1. ) On XX/XX/2023, a fully endorsed and completed and signed Wells Fargo Bank ( XXXX ) check ( # XXXX ), was made out to XXXX XXXX XXXX and XXXX XXXX. XXXX, in the amount of {$280.00}, and was stolen out of my home mailbox in Maryland. 
2. ) On XX/XX/2023, the criminal presented stolen/ washed / altered WFB check # XXXX for deposit at an ATM at a XXXX XXXX  in XXXX Maryland. 
3. ) On XX/XX/2023, I received my WFB XXXX bank statement, which showed that stolen/ washed / altered WFB check # XXXX was deposited - at a XXXX XXXX  - made out to a criminal named XXXX XXXX, in the amount of {$14000.00}. 
4. ) On XX/XX/2023, WFB was notified @ XXXX - to report stolen/ washed/ altered WFB check # XXXX - is check fraud / forgery, and given ref. # XXXX. 
5. ) On XX/XX/2023, the check fraud / forgery of stolen/ washed/ altered WFB check {$2600.00} was reported in person at a WFB, with ref. # XXXX. WFB assured a complete / concise / accurate / competent review of the check fraud claim. 
6. ) On XX/XX/2023, the check fraud claim was DENIED AND CLOSED! 

I have completed : an online FBI/U.S. Postal Inspection Service report ; an in person WFB Affidavit Check Fraud form ; and in person interview and XXXX XXXX Maryland police report. The detective doing my interview, stated without question ( comparing WFB # XXXX - to other checks that I had written to pay my insurance premium ), that the stolen/ washed / altered check, is an obvious fraud / forgery. 

I have repeated : In person, to many WFB employees - that the stolen/ washed / altered WFB check # XXXX is a fraud / forgery ; via multiple emails, fax, and telephone conversations that stolen/ washed / altered WFB check # XXXX is a fraud / forgery. My local WFB branch associate, like the police detective, stated that the stolen/ washed/ altered check was an obvious fraud / forgery. 

I am a 40 year WFB customer in excellent standing, with three separate accounts. and my COMPLAINT is this : 1. ) WFB ( the Claims Assistance Center ) refuses to acknowledge that WFB stolen/ washed / check # XXXX is a fraud / forgery ; 2. ) XXXX XXXX  has deemed WFB check # XXXX is a fraud / forgery, and has not released the {$14000.00}, but Wells Fargo Bank has NOT DETERMINED stolen/ washed / altered check # XXXX is a fraud / forgery ; XXXX. ) Wells Fargo Bank refuses to request the {$14000.00} back from XXXX XXXX- so now my WFB district manager, has taken the conflict / review to " an executive " level - in order to get the {$14000.00} back ; 4. ) How is this happening?

5. ) Why?

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 2023-08-30 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: AR

Complaint narrative:
According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. XXXX, TRANSUNION AND XXXX reinvestigate these accounts below. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. EQUIFAX, XXXX AND XXXX reinvestigate these accounts below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: MO

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is regarding a closed issue # XXXX in which I am disputing the late fees and finance charges on a closed account with TD Bank XXXX I PAID WHAT I OWED ON THIS ACCOUNT AND WILL NOT PAY ANY LATE FEES AND FINANCE CHARGES. This is outrageous - I paid what I owed on this account period. I advised TD Bank that all my accounts were to be closed in XXXX, XXXX I was never made aware that this one account was still active. I would like to know as stated by TD Bank when, in fact, I received two waivers in the last 12 months which is what they are stating in their response. Their billing system is quite confusing and I did request a waiver at one point in the last year and this would only be the second, and it should go back to when the original charge was made. I have accounts with numerous banks and TD Bank I closed because of the confusing way they credit and debit charges. All I am asking for is for them to waive the finance and late fees on a closed account. I have not used any of TD accounts or charges other than the two charges of {$4.00} which I paid immediately when I became aware that AOL charged this account. Please reconsider and advise me accordingly or what other options I have to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
There is only one address on my report that applies to me, I own and where I currently live. My information was stolen for a while now in New York, but I sort of have it under control. All these other addresses must be deleted immediately because this is false consumer reporting. 

Current and only address : ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) PLEASE DELETE AND REMOVE THESE INCORRECT ITEMS ( ADDRESSES ) IMMEDIATELY ; 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 XXXXXXXX XXXX ( I googled this and it's a office space ) 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 XXXXXXXX

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 2023-08-30 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: TX

Complaint narrative:
TRANSUNION, XXXX, XXXX, violated my rights by reporting fraudulent accounts on my credit report that they maintain under my social security number. 
FCRA 1681 ( 1681 ) a ( 3 ) ( 4 ) b, are the responsibilities of the consumer reporting agencies. At this time, I am asking for the fraudulent accounts to be removed 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 2023-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, EQUIFAX, violated my rights by reporting fraudulent accounts on my credit report that they maintain under my social security number. 
FCRA 1681 ( 1681 ) a ( 3 ) ( 4 ) b, are the responsibilities of the consumer reporting agencies. At this time, I am asking for the fraudulent accounts to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello on XX/XX/, I had a letter of dispute along with a copy of my drivers license, proof of address, and a power of attorney letter mailed. I received a response today XX/XX/XXXX that they will be unable to investigate due to it not appearing to be authorized or sent directly by me. I called and informed them that they are violating my rights in regards to refusing to investing the dispute in the letter because I did authorize and did sent a document along with letter dispute that is power of attorney. They responded stating that they will be unable to investigate but can do it through phone. I told them no I dont want to dispute through phone but through letter as requested. I called again and they stated that they havent received dispute yet and to call back later. I called again and the lady said they will start investigation soon. I asked for confirmation because Im receiving different answers and the lady stated that she is unable to provide that. I would like investigation through letter, refusing to do so is against the law and they are literally violating my rights.

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 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: NC

Complaint narrative:
the seller refused to provide a notice of sale prior to the repossession and is refusing to provide the detailed auction statement for the vehicle.

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 2023-08-30 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: LA

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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