vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00}

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 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TRANSUNION and XXXX are refusing to remove inaccurate accounts on my credit report!!! Please Help! 

XXXX did a PROPER investigation and found the following accounts are inaccurate and have deleted them from my credit profile... please see attached TRANSUNION and XXXX never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate across all three Bureaus. 

They stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal of ALL inaccurate items on my credit report Also the credit bureaus took more than 30 days to complete an investigation The accounts in Question that XXXX has deleted from my credit profile : 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 non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was expecting a refund of {$2000.00} for an unauthorized transaction made on my account on XX/XX/22, I advised cashapp that my cashapp card along with my other personal things were stolen & to cancel my card. Actions were not taken & the refund was refunded to my cashapp card from the merchant XX/XX/22 & the thief was able to cashout & use the funds unauthorized. I have been trying to get my money back from cashapp since & instead of helping me they closed my account but I still have use to cash out payments. I was told by the customer support team my money would be refunded but it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$20000.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00}

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 2022-07-20 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: IL

Complaint narrative:
I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency Experian and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.

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 2022-07-20 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency XXXX and Equifax and they have failed to properly investigate and remove inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency XXXX and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$0.00}

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 2022-07-20 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$70.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX OF XXXX Inquiry date XX/XX/XXXX ; XXXX  XXXX BANK XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXnquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date 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 2022-07-20 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: LA

Complaint narrative:
There is an account on my Equifax report from XXXX XXXX acct # XXXX. this account is not mine and i have never done bussiness with this company. I have disputed this account since it was mistakenly put on my credit report. i have called the company and they have also came to realize this is not my account. how can equifax validate an account if the company is saying its not right. i have also asked equifax. to send me proof of there validation, but i have yet to receive anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
For the past few months Wells Fargo has been increasing my payments each month. Although I have not been charging over XXXX each and every month. 

The increase is only due to my amount of saving in the account, I have been saving money to pay for my soon admission to a XXXX home, my savings are NOT DISPOSABLE INCOME!, Wells Fargo is trying to extort money from me since as a result of my saving amount in the checking account. 

Wells Fargo could care less that, I am a XXXX XXXX XXXX XXXX citizen on social low social security XXXX income. 

these increase in fees are inhibiting my ability to meet my basic human needs of food, prescriptions etc rent etc. but Wells Fargo has absolutely no value for me as a loyal for over the past 10 years, they just want my money, they dont care that my refrigerator is bare, I cant purchase my XXXX  and XXXX medication this month.. I now have a XXXX notice, before a XXXX is available at the XXXX home.. 

Wells Fargo stipulated, The rule is for increasing monthly payments, is when you charge more then XXXX per month your fees go up, I havent been charging no where near XXXX per month, rarely charge anything in that card!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: AR

Complaint narrative:
I've recenlty contacted Transunion regarding fraudulent accounts posing a negative impact on my personal credit and affecting future financial purchases involving my credit worthiness. Account XXXX # XXXX still remains on my Transunion credit report after submitted several supporting documents including identity theft affidavit, police report, and a letter from the orginal creditor stating that the account has been closed due to fraud. This account along with several others should not be appearing on my credit report and by doing so is a violation of my consumer rights under the Fair Credit Reporting Act.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022, at XXXX am I received a text message on my phone from what appeared to be the United States Postal Service. The message stated [ The postal ] You have filled in an incomplete address and your item can not be shipped to the currently filled address with a link attached XXXX XXXX XXXXXXXX  Once I clicked on the link I was directed to what appeared to be the USPS site where I was asked to enter my information to update my address. Once I entered my address I was think asked to pay a {$3.00} fee to update it. Once I entered my payment information the charges began. The scammer tried to charge my card for numerous transactions totaling up to {$16000.00} however they were only able to get {$3600.00}. The other transactions were stopped by the Bank of America and they canceled my card and sent me another one. I'm not sure why they would let one transaction go through and stop all the other transactions. I am a victim and I have suffered anxiety, and emotional and financial issues as a result of this case. I have been trying to get my money back from Bank of America for two months with no help and concern from my financial institution. I have sent in police reports, proof of the incoming text message, and the web page I was directed to and the only response I'm getting is a denial saying my proof doesn't prove fraud and to provide more information. They're not specific in telling me what information I need to provide as well. Nothing is good enough for them. I'm not sure what else to do or give them that I have not already given them.

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 2022-07-20 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
i had a loan with net credit acct # XXXX in XXXX of 2020 i caught XXXX, i was in XXXX for XXXX XXXX  before comming home. i was home for another four months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by XXXX XXXX during covered period. that lender must report account as current to credit reporting agency, clearly this was not done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My auto loan with Navy Federal Credit Union was paid off in early XXXX. About mid XXXX, I contacted Navy Federal Credit Union regarding my title. They stated that the Virginia DMV placed a hold on the title. Upon review of my past Virginia DMV account, there are no holds. 

I again requested the title with XXXX XXXX and was told that Florida DMV placed a hold on the title. After speaking to a rep at the Florida DMV, I was again advised there is no hold on the title. 

I have also made three requests to close my account with XXXX XXXX and Im getting no response. I have satisfied the auto loan, I have no title, I have never received a statement confirming the payoff of the auto loan, and I am still awaiting a confirmation that my account is closed and the funds have been sent to me. 

Im not happy with the situation and do not believe it is a fair practice to hold up my title and closing my account when I no longer wish to be a member of this credit union. As you can see from their latest response they are still providing incorrect information and totally disregarding the fact that I have not resided in XXXX since 2018 and provided them with my XXXX address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
Avant is reporting an amount on my credit reports of around {$6800.00} plus interest for several years now, exact amount is now available to me at this time. The funds were never received, deposited to an account which is not mine. Regardless, Avant is attempting to collect on debt by reporting amount plus interest. This loan appears to have been applied for online in which case, documents were signed electronically and there is no proof of actual signature in which case, Avant has little to no proof I agreed to any terms of loan which as stated prior, was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Unauthorized XXXX transfers XXXX done back to back, I dont think I ever was told by Wells Fargo that I even have a XXXX account the scammer got access to my computer and mislead me on the cell phone to give codes Wells Fargo said after looking at this no recourse or refund would be issued. Im quite concerned Im on a fixed social security income. The amount taken was XXXX, XXXX, XXXX, and XXXX all to a persons name I do not know.

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