vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: KS

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXXBalance : {$17000.00} ; XXXX XXXXXXXXBalance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$620.00}.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXXXXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-03-16 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: WI

Complaint narrative:
Please see attached files I have reported numerous accounts on my credit report to Experian as inaccurate and unverified and Experian has REFUSED to conduct a reasonable investigation into disputes. I have attached a letter regarding my request. Please either verify these accounts, or, if it can not verified, remove these accounts from my credit report as by my right afforded to me under the FCRA.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$17000.00}.

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 2023-03-16 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: DC

Complaint narrative:
The account was opened on XX/XX/XXXX, On XX/XX/XXXX I mailed letters of violation of code 15 USC 1681a ( e ) notifying them of my wrights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: DC

Complaint narrative:
The account was opened on XX/XX/XXXX, On XX/XX/XXXX I mailed letters of violation of code 15 USC 1681a ( e ) notifying them of my wrights.

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 2023-03-16 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: FL

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-03-16 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: PA

Complaint narrative:
All actions were taken to dispute these accounts and inquiries that's listed on my consumer report all letters has been sent out and all creditors has been contacted for some of the accounts listed below. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$650.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  {$540.00} XXXX XXXX XXXX {$610.00}

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 2023-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a Bank of America XXXX Alaska XXXX credit card that I took into the XXXX XXXX XXXX, XXXX, Florida branch office. I explained to them that I did not to my knowledge of knowing apply for this card. Especially not one regarding Alaska because I am not a fan of severely cold weather. They saw that the card had not been used and I asked that the account be closed. I think this starting back in XXXX of XXXX. In XXXX of XXXX, I received a Plan statement stating that I had a fee charge of {$75.00}. I went back into the local XXXX XXXX XXXX XXXX, Florida branch and explained that to my knowledge of knowing I did not apply for this credit card as well as requested that this account be closed. I was informed that I may be responsible to pay the {$75.00} dollars if it was determined that I applied for the card. I decided to pay the {$75.00} dollars ( XXXX ) to avoid any derogatory information affecting my credit. I made that payment in their office. Then, I was put in touch with the Fraud Department. First, I spoke with someone name XXXX at XXXX. Then transferred I was transferred to someone name XXXX who was a rep with the fraud unit. He said that this card was applied for from my email address. I honestly do not recall applying for this card. I do travel when I can but Alaska is not a place I would attempt to go to let along get a credit card. I explained as well as the bank could see that no charges had been placed on the card simply because I try my best not to use credit cards. Additionally, I had asked them to close the card, I believe twice. The fraud department said that they would investigate this and. After checking my credit recently, I discovered that this account is still opened. Plus on XX/XX/XXXX I received another statement saying that my anniversary in XXXX is coming up and I will need to pay not XXXX dollars this time but {$95.00} dollars annual fee. I asked Bank of America several times to close this account in person and serval times by phone. To this date which is about a year if not longer and the account is not closed. This seems like a scam to me. How many other people are they ripping off like this? Please help me get Bank of America to close this account. They are causing my credit rating to decline. I value my credit. If you check my credit history, you will see that I do not have any credit cards. Thank you

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 2023-03-16 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the accounts # XXXX & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be addressed with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages In a XXXX Court room. Conduct yourselves accordingly. 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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I got an offer from Wells Fargo for a {$300.00} bonus for opening a checking account and meeting certain requirements with a XXXX XXXX XXXX. 

I opened the account online using the website wellsfargo.com/XXXX which was specified. However, they did not prompt me for the Promo Code and instead applied a different promo Code XXXX. 

I completed the process, and downloaded the BONUS DISCLOSURE ( see attached ), but nowhere on the 2 page document does it mention the amount of {$300.00} as the bonus I will get if I meet all the requirements. 

I went to a branch, and was told I need to call their toll free number since account was opened online. 

I just finished the phone call, and the person would not send me an email confirming that the amount of bonus I will get is as {$300.00}. She said I will know it when I get it, which is four months away. Given Wells Fargo previous frauds, how can we consumers trust them to do so, when they refuse to put the bonus amount in writing.

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 2023-03-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has 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 - 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 an 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 moreover 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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: MN

Complaint narrative:
Company : Client Services Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and my spouse continue to receive so many phone calls for over a year from this entity that during our work days we have to silence ringers to prevent work disruption. The phone numbers will change up to 3 times in a day. 
I received a debt settlement offer dated XX/XX/XXXX in the mail on XX/XX/XXXX. This is for a XXXX XXXX XXXX XXXX credit card balance of {$7100.00} with a settlement of {$2100.00} I have chosen to accept this offer and pay in full. The offer is stated to expire on XX/XX/XXXX. Please see attached document for verification. 
Over 10 attempts to make the payment since XX/XX/XXXX have been unsuccessful due to the below mentioned issues. 
Document indicates 4 methods of payment including ; XXXX ) csiezpay.com The online site requires specific reference number, birthdate, username and password to access site and make payment. After multiple attempts, a red box indicates 'there is no account connected with this information ' or 'we are having difficulty authenticating this account '. 
XXXX. ) Pay-by-Phone XXXX with multiple attempts, various responses are prompted- account was verified and once payment information was given, response was that payment is declined or unable to process then abruptly disconnects. 
XXXX. ) contact the office- XXXX receive a busy signal or prompt to speak to representative directs to call another number, XXXX which states office is closed or busy signal. 
XXXX. ) contact phone number provided on document- voice says 'sorry we missed your call, please leave message. ' No response to messages left requesting making payment. 

I have researched legitimacy of this business due to unacceptable response or function of the entity from all points of attempted contact. All I want to do is pay the offered amount before the offer expires on XX/XX/XXXX and have no way to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
During the pandemic I fell behind on my rent and the apartments were paid by an agency that was helping people i n need. Even though the eviction moratorium was in order the apartment complex still added extra fees. I lived there for 5 years and had constant problems with mold, roof decaying from water damage, roaches and overall just things breaking or falling apart from the poor work that they had done to the apartment. Once I moved out the apartment was actually in really good condition because I cleaned it very well and they still tried to add on more money on things like repainting a tub, fan etc. I have pics and video of the way that it was left and they definitely went overboard. They also kept my deposit which was the same amount as the rent so in all fairness they should not have put anything on my credit making it hard for me to lease an apartment. I was constantly harrased in a time that they should have not been harrasing me and then to add things that were unfair and keep my deposit. This company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  Incorrectly states I have this derogatory account. 
XXXX XXXX XXXX Incorrectly states I have this derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account Kohls, Capital One, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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

XXXX

Company response to consumer: Closed with explanation