vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: OneMain Finance Corporation
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I opened a credit card with XXXX, serviced by Wells Fargo in XXXX of 2022. I am trans, and they opened the account with the wrong legal name, address, and phone number, without confirming my identity, which is a XXXX violation. I noticed the discrepancy at the end of the month, and attempted to contact Wells Fargo to correct the issue. After a 3 hour phone call, I was informed that I would have to provide additional information so they could verify that I exist, and provide them with my ID. On XX/XX/XXXX, I went to a local branch in XXXX, and provided my ID card, and answered their questions, and was told that the situation was addressed and that my name had been changed. On XX/XX/XXXX, I was provided an email that they considered this to be fraud, and had closed my account because I was trans. This is discrimination under the basis of XXXX, per XXXX XXXX XXXX XXXX, which is a violation of Reg B. I attempted to gain additional information about this, and was told to talk to the credit bureaus who had no information as to why I had my account closed. I now have a late payment on my rental payment, due to this, as well as a hit to my credit report as opening a new card impacts my credit score.

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 2022-10-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX  Acct XXXX  XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXXt Acct XXXX  they could not provide one XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.

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 2022-10-04 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: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX 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. has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-10-04 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: NV

Complaint narrative:
In accordance with the fair credit reporting act XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX # XXXX. has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Department of Education/XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct 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

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent an international wire transfer from Chase bank branch ( in XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ) on XX/XX/2022 in the amount of {$50000.00} USD. It was promised to be delivered on XX/XX/2022 but it was never received by the receiver bank. I called many times since XX/XX/2022 and at first Chase told me that record showed it was delivered and ask me to call the receiver bank. Both bank push me back and forth and I finally got a confirmation in writing by XXXX XXXX  that the {$50000.00} of fund was never received by them. XXXX received a payment direction for {$50000.00} but no fund was given from Chase, therefore XXXX sent declined the instruction and sent back the payment direction to Chase. I then follow up with Chase, it was a very difficult to communicate with them as their wire investigation department will not take phone calls and only secure message. And the secure message they sent are very brief, every time they tell me they will look into it and will take 3-5 business, and repeat. Now it's already more than a month and they still can not give me my {$50000.00} USD back. The wire investigation department did confirm that XXXX have rejected the request and Chase will refund my money but it have been more than 2 weeks and money wasn't sent to my account. I went to Chase branch, call the customer service line but they will redirect back to Wire Investigation Department which is only available through secure message but they are not helping me. I need to get my {$50000.00} USD back, Chase can not take my money just like that!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I reported my Vanilla Gift Card stolen, I went thru the process of reporting it to the company and filed a report with them about the card I filled out multiple forms gave them complaint number and still I'm getting the run around the said 90 days it's been over days. I would like a replacement card that I asked for or a refund. I have yet to receive either!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00} XXXX XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX Opened XXXX {$710.00} XXXX Opened XXXX {$840.00} 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 2022-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2022, I received an email from what appeared to be Bank of America to verify information on an online bank account submission. Immediately following this email, I recevied another email that account was opened and activated. I contacted Bank of American on XX/XX/2022 and spoke with a representative to let them know that I did not open an online account. The rep said that they did not have an account in my name. I then sent an email to the fraud department to let them know that I did not authorize the account. On XX/XX/2022, I receivegd a bank statement from Bank of American showing the account and listing the account summary. However, I did not authorize the opening of the account. On XX/XX/2022, I received another letter that because the account information was not verified, the account was closed. I contacted Bank of America on XX/XX/2022 to see what information was used to open the account in my name. After going through 3 representatives and holding for XXXX hours, I was informed that my social security number was used, but when I asked what documentation was provided to verify identity, the rep placed me on hold. I then went to a Bank of America location in XXXX ( XXXX miles from my house ) and spoke with a representative ( XXXX ). He informed me that Bank of America does not require identity verification at the time of opening an online account, but it is required once the account has been established. This practice lends itself to fraud because without initial verification someone can actually set up an account in someone else name using their information. There has recently been a data breach in XXXX with a XXXX provider, and my information was a part of that breach. XXXX informed me that they have had several customers call because they had accounts opened in their names at Bank of America as well. Again, the procedure should be that identity is verified before the account is opened.

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 2022-10-04 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: OH

Complaint narrative:
15 u.s.c 1681 602 A states I have the right to privacy. 

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy ref # 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 2022-10-04 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: CA

Complaint narrative:
dates are inaccurate this is not a valid report please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please help me to solve this soon, check the pdf that I have attached, there is all the explanation of the matter

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 2022-10-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please help me to solve this soon, check the pdf that I have attached, there is all the explanation of the matter

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 2022-10-04 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: FC HoldCo LLC
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The addresses on my accounts are incorrect, I've tried to reach out and get it rectified but its been long enough with no response.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have been dealing with this problem for a Year. I've had XXXX companies that have had accounts opened in my name by my father. These companies are called Boeing Employee Credit Union XXXX XXXX XXXX There is also a Collections account open that was previously removed XXXX XXXX XXXX XXXX XXXX I need these accounts and collection removed as they were opened fraudulently in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00} XXXX XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX Opened XXXX {$710.00} XXXX  Opened XXXX {$840.00} 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 2022-10-04 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00XXXX XXXX XXXX XXXX Opened XXXX {$700.00XXXX XXXX XXXX XXXX Opened XXXX {$710.00} XXXX Opened XXXX {$840.00} 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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received XXXX different letters dated XX/XX/XXXX from Wells Fargo stating that they will be closing all my accounts ( XXXX business checking, XXXX checking, XXXX savings ) on XX/XX/XXXX. When I called to find out the reason for this they told me it was a " business decision '' and that on their fine print of all accounts they may end the relationship at any time. I asked for a more specific reason because I've been a great customer of the bank since XXXX and they did not provide me with anything. I asked that this be escalated and they transferred me to executive offices and the person I spoke to there said the same thing. I'm appalled by this whole situation and that this is the only reason they gave me. I do not understand at all because I have never had any negative balances, fraudulent activity, paid all my fees, and was a great customer overall. This is completely unacceptable especially since I have never had any problems that would have caused this to happen. No wonder they were fined {$3.00} XXXX for its staggering fake-accounts scandal.

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 2022-10-04 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: LA

Complaint narrative:
TransUnion/ LCI is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with 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 non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The addresses on my accounts are incorrect, I've tried to reach out and get it rectified but its been long enough with no response.

Company response to consumer: Closed with explanation