vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been calling Experian to remove these XXXX inaccurate addresses on my credit report for a while now ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX regarding removing these inquires now ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have been asking for them to show me to show me steps and process they are taking to look at my case and i have not yet received any updates or mail regarding my issue, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. (

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had paid mini overdraft fees. For a very long period of time. The time spent it all the way from the year 2006 through the year XXXX.I can say that I have paid well over the amount of {$5000.00} in overdraft fees within that span of time. My business and my household expenses supper due to this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: First Credit Services Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, FIRST CREDIT SERVICES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CapitalOne continues to send credit card eligible to apply and pre approved cards after I have called and asked them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My deceased wife and I tried to apply for a refinance back in 2017 that was at a then XXXX XXXX interest rate as we were 7 months behind on the mortgage. The mortgage itself was given to HER ONLY on the basis of her XXXX check as a form of repayment. Wells Fargo came to the house, we filed the proper paperwork and was still denied and stayed at XXXX XXXX interest for a 40 year loan after 11 years of paying interest. The 7 months was added to the mortgage and had to start over. We solicited wells Fargo again, with no relief before she passed away leaving me to solely repay this now 40 year loan. I'm XXXX and will NEVER be able to repay this. This in in behalf of her and I, unfortunately she is no longer here to be at my side to see what becomes of it. ANY HELP would be very much appreciated..This loan was issued to my wife and I assumed it after we married. It remains in her name post death as they instructed me to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy Dismissal was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Kikoff Inc.
State: MD

Complaint narrative:
'KIckoff is reporting information again not Condusive to 15 U.S.1681a ( 2 ) ( a ) ( i ) Exclusion of Transactions and Experiences Particularly Late Payments as so much No Written Authorization Given to Disperse Information to Various Agencys, Bureaus and the Likes ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In your letter ( XX/XX/XXXX ) you stated " we were able to confirm application XXXX was declined due to inadequate collateral and a letter was sent to you on XX/XX/XXXX advising you of the decline. You do not show that application number in your stated applications contained within this letter. Did you mean # XXXX? If so, that's XXXX, then follow by saying you sent a letter with denial in 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 2023-01-21 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In 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 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 2023-01-21 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: GA

Complaint narrative:
My small business, Total Care Pediatrics, has a sweep account with U S Bank. The account is mandated by XXXX XXXX, my electronic health record company. 

I had not had a reason to log into my account for between 6 and 9 months. When I tried to log onto the account to looking into a potential issue with not managing the funds as instructed, I was unable to do so. The account was locked. I entered the security questions correctly, but the system said they were wrong.

I was unable to reset the password, despite having the correct credentials, including my entrust data card random key generator.

I called to inquire why I was unable to access my account, I was told that the account is automatically locked, if the account is not accessed at least once every 90 days. I was sent a form to complete, sign, scan, and email back. I did this but still was not given access to my account.

I called back the following day and the representative said I would not be given access to my account for another 72 hours, because they will not process my request. 

I should not have to access my account every 90 days for no reason to access MY money. I should be able to reset the log in credentials as long as I have the security information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: MN

Complaint narrative:
XXXX Re- Equifax I want to personally for finally providing a letter of explanation but however I disagree with your findings. Due to multiple violations of the FCRA on your behalf! 

1. Your office removed chapter 7 public record XXXX on XX/XX/2021 on XX/XX/2021 the public record was reinserted without 5 days notice of the reinsertion! 

2 ) under section 609a ( 2 ) to request and for you to provide me with the following information within 15 days from the bankruptcy court as to why did they have you re-insert the public record back on the credit report your office refuse to respond with any of the information requested of you!

3 ) The required notice of dispute was never entered after your 30 days of completion of the investigation FCRA 623 ( a ) ( 3 ) is very clear! 
Your office and the only credit reporting office enters reinvestigation consumer disputes. But each complete investigation must states consumer dispute meets FCRA requirements 30 days after the completion of your investigation! 

In your recent complaint you stated that you use a third-party vendor which is XXXX XXXX to make changes deletions etc. there is no way that XXXX could change any information on anything thats being reported by the court so this is a false statement! The court is the original furnisher of the public record and they would be the only one to make any type changes on any public record. And Equifax I asked all of you to be respectful and remove this public record from my credit file due to the violations listed above! You have not provided me with any direct information that I requested under sections of the FCRA and statutes therefore This public record needs to be immediately removed. I have provided you with a letter indicating that the courthouse does not speak to any reporting agencies thats how I know that they did not have you re-insert the public record and again they would be the only one that would be able to have you re-insert that thats why no notification was sent and thats why you refuse to go to the courthouse to provide me with any of the information listed above again please immediately remove this public record from my credit report because due to the violations you were in violating my silver rights and my personal life thank you very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a checking and savings account in 2019 with Chase Bank, but both accounts were closed without any explanation to why my account was closed. XXXX, I applied for mortgage, I was denied as well even though I have a fantastic XXXX XXXX. XXXX XXXX had a promotion for their XXXX XXXX XXXX card, so I applied. I was unaware the credit card was financed through Chase Bank. I applied through XXXX XXXX website. Initially, I was approved for a credit limit of {$25000.00} due to my credit score. Unfortunately my credit card account was closed later when I tried to make my 1st installment card payment. I called Chase to find out why my account was closed. There was no explanation to why my account was closed. I can only suspect that I have been blacklisted from this bank. If my suspicion is accurate, then it is only fair to know why!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo tried to charge me extra for a part of the loan that was never discussed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/18 I got a deposit from accident Between XX/XX/18 they close my account for no reason And made up false accusations At wells fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I submitted my PSLF Certification before the XX/XX/2022 deadline to take advantage of the PSLF Limited Waiver Program. Mohela calculated that I had a total of XXXX qualifying payments. Nevertheless, Mohela attached a letter sent via secure message stating I was " not eligible '' for forgiveness despite exceeding the threshold of XXXX qualifying payments. I do not know how many other consumers have received erroneous letters from Mohela. I believe these letters are deceptive under Federal law and request an investigation or examination into the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : 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 non-monetary relief
Consumer complaint received 2023-01-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In 2016 someone opened multiple bank accounts in my name. I was able to dispute one with XXXX and I have identified another with Trust. I am still investigating the extent that this person ( s ) abused my identity.

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