vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information that appears on my consumer report. 

XXXX XXXX XXXX is reporting a collections account that shows a balance of {$97.00} to XXXX. That is inaccurate. I have no account with a balance with XXXX XXXX. This is fraud and a complete lie. PLEASE REMOVE THIS FRAUD FROM MY CREDIT REPORT IMMEDIATELY.!!!!

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 2023-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
they not letting dispute inaccurate inforamation XX/XX/2023

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 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
{$120.00} used fraudulently on XXXX XXXX which is an XXXX food company/stock company. Somebody knows my card info in XXXX. 
I called my card company ( XXXX XXXX ) only for them to tell me they can't do anything about the fraudulent purchases until payment goes through. I asked why they couldn't cancel the pending purchase and they said they are going to send me a new card instead. I didn't ask for a new card I asked that I get my money back cause it's all I have left until I get another job. XXXX XXXX scammed me and won't return my money when I demanded it back. I live in XXXX by the way.

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 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: IN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-02-26 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: IN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been a victim in the Wells Fargo illegal repossession and overdraft fees. I have had 2 vehicles financed through Wells Fargo. I had been a customer with Wells Fargo many years up until XXXX. 
They repossessed my XXXX XXXX after making a arrangement with them in XX/XX/XXXX they repossessed a week before my arrangement to pay it. They did not give me any information on getting my vehicle back. I have spoken with XXXX at their executive office and she told me I didnt qualify for the settlement. She also told me information and sent me information that is a total lie. I have what I was sent. They have in the papers XXXX sent me a letter they claim to have sent to my husband?? where is my letter?? All other correspondence came in my name but this very important correspondence supposedly was sent to my husband but not me. My name was on the loan It wasnt through the dealer it was through the bank because it was a private sale. I actually dont even believe my husband signed any paperwork for a loan. Last year we were sent paperwork to give our tax preparer for our taxes that they discharged the debt for that vehicle and had us pay taxes on that. I also paid off a XXXX XXXX that I had a loan with them and it was paid off XX/XX/XXXX. They sent me 3-4 checks between $ XXXX {$34.00} that XXXX seems to think covers what was done to me. Also for years prior to XXXX they have charged me fees adding up to $ XXXX dollars a year for overdraft fees and I have all the paperwork to prove it. They would seem to apply deposits and withdrawals as to when it would benefit 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 2023-02-26 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: The Savings Group, Inc.
State: CA

Complaint narrative:
Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX credit file locked for security reasons. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX Credit Report XXXX XXXX : Organization : RateGenius , Inc . 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX XXXX XXXX : XXXX Fax : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: DISCOVER BANK
State: AZ

Complaint narrative:
I have several credit cards including XXXX, Discover, XXXX XXXX, XXXX and XXXX XXXX, all of which are charging in excess of 24 % and as much as 28 %! 

My XXXX  score ranges from XXXX to XXXX and Ive complained to the above listed companies and was provided absolutely erroneous information without any resolution. 

Why am I being taken advantage of when my credit rating is in the excellent range?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26 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: MS

Complaint narrative:
I have been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these illiterate, incompetent idiots that have no clue what great customer service ethics are. My XXXX XXXX has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from TRANSUNION ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.

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 2023-02-26 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: MS

Complaint narrative:
I have been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these XXXX XXXX XXXX  that have no clue what great customer service ethics are. My credit score has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from XXXX ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX put on my credit report a hospital or doctor bill that I never received notification of or a right to dispute the claim that was paid by my insurance. I have notified them to remove from my credit report and to send me a copy or proof of bill to no avail. When I call the rep or agent claims they can't find the account without my date of birth or social which I will not give over the phone but I did give them my address and still they haven't sent me proof of claim or notice or rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
I got a refund issued for a terrible experience with airbnb. I was granted a partial refund on XX/XX/XXXX, the day I called XXXX about the issue. Chime had nothing saying a refund was issued. Skip forward to today, 11 days later, I call XXXX again, as there was an issue on their end as well and I got that taken care of. I was told to call my bank to check on the refund, and today, after talking off and on with them since the XXXX... they had a note of the transaction magically be there after not seeing it for 11 days, and it said it hit my account. 
However, it did in fact NOT hit my acct. I was broken down in a car in Nevada driving back to XXXX and was desperate for that money to hit and it never did. I did math of all my transactions to ensure I didn't XXXX myself over with my low funds I had, and there is no {$420.00} refund anywhere in that. 
My statement also claims I have nearly {$700.00} more in my account than I do, so I feel very scared about there being a larger chunk of money missing than my refund. I have noticed keeping track of things on paper not lining up with my bank ... my card has been used by XXXX quite a few times, I'm getting a new one sent. 
I project I am out {$1100.00} in total. Ultimately, I want my {$420.00} refund from XXXX, and an explanation as to why my statement shows {$690.00} more dollars than I have. Nobody will tell me, phone representatives stay silent when I ask, at least 2 of them, silent. I feel very uncomfortable having my personal info and money in this company.

This is far from the first time I've seen large portions of my money go missing, or have had my card used by XXXX specifically multiple times for purchases not made by me since having Chime. 
I've attached my chime statement a representative told me she was reading from today that shows I have XXXX more than I have. She told me that wasn't on my statement and when I asked her why the balance shows as such, she and the next representative refused to say a single word to me. 
I'm incredibly positive this is real money that is missing from me and I'm devastated and horrified to realize that thinking money has been going missing the past few months seems to actually be happening...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Sequim Asset Solutions, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: MS

Complaint narrative:
Ive tried to dispute a address on my credit report because Ive never lived there and it wont be removed

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 2023-02-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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 2023-02-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
In XXXX of 2022 I fell victim to a crypto scam. I sent XXXX to what I thought was a legitimate business entity that turned out to be a scam and took the funds. I have now been for over a year trying to get these funds back. Please see attached document for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account - XXXX  XXXX Account - XXXX XXXX XXXX Account - XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX XXXX Account - XXXXXXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX  XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A states I have a 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 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX., report number # 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