vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently mailed 2 letters to the US DEPARTMENT OF EDUCATION addresses provided by XXXX and TransUnion to dispute, get my Delenquency date and have my account validated or ceased and desist as the LAW provides. Both certified letters were returned..TransUnion for months continues to furnish inaccurate, adverse, unauthorized non public personal information.which are violations of 1681 s2 A1 1681n 18USC 1928a US DEPARTMENT OF EDUCATION XXXX US DEPARTMENT OF EDUCATION XXXX These are effecting my ability to get business and personal credit and improve my financial

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For several years my Student Loan account at XXXX displayed an old, incorrect email address when I checked the contact information. Live operators on the phone also corrected the email address at my request but later the old email would resurface. 

This can be proven in a court of law by examining logs and records at XXXX. 

In XXXX I received a notice from my bank ( not XXXX ) the negative items were on my credit report. XXXX reported me 90 days late on 2 accounts. I had no knowledge they were due. All my loans were in deferment as far as I knew. My credit is good and I always pay on time. Check my history, please. 

XXXX asked me previously to use " paperless '' notifications. Their system failed to perform correctly and caused me real harm in a XXXX point credit score drop. When I check ed with XXXX on the day of the negative credit report, the contact page displayed my old, incorrect email address. I corrected it. 

This can be proven in a court of law by examining XXXX computer logs and records. 
Ironically, my credit history suggests I am correct.

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 2023-06-20 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: NJ

Complaint narrative:
Problem is with the Credit Bureaus XXXX Equifax stated that CFPB are only ones who define the process and Equifax only followed CPBP policies ) Issue .... 
- My mortgage loan was transferred to another company - This reflected in a drop in my credit score ( XXXX points ), and I can't see how that is my fault! 

- Tried to submit a dispute, but Equifax said they couldn't do that because they couldn't see my score- I tried to understand ; they can't my score in all cases ; but if it were a delay in my payments or too many credit checks I could submit a dispute, so how was this different? How did their inability to see my scores have any weight on when they could or could not submit a dispute on my behalf? 
That is when they said if I wasn't convinced I should contact CFPB as they decided the process How can I resolve this please? 

Question .... as seen in snapshots, balance decreased? account closed? I would have thought those would add points not reduce them? : (

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
I received an installment loan from check n go XXXX, Oklahoma in the amount of {$900.00} in the spring of 2021, I made payments to said loan for 3 months before dealing with a major health and relationship change. This change caused me to have to change bank accounts and living situations. I was able to relay that change to multiple other financial organizations where payments were owed however I was not able to contact check and go, I take full responsibility for this. My complaint is the fact when I call said company who now is contacting me to resolve the debt ( XXXX ) I believe they said their name was, is accusing me of lying about receiving certified mail. I stated I am not here to argue, can you please send me or email me some documentation, I will not be making a payment over the phone, at which point the agent got angry with me and then proceeded to hang up on me andi could " wait on my court documents. '' Would love to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: GA

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: GA

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
My checking account was frozen on XXXXXXXX XXXX XXXX. I bank with credit Karma and there is {$1100.00}. I have spent hours on the phone and emailing and cant not get an answer as to why it was frozen or a timeline as to when it will be available. I have no access to my money to but groceries and everyday necessities to survive. I have children and no way to buy food. I keep getting the same generic email saying they understand and they are sorry but nothing is being done to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX & XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Unknown account appeared on my TransUnion Consumer Files for XXXX XXXX XXXX I previously had no inquiries

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 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There is a Personal Joint Loan for XXXX some dollars that I have no knowledge of. This loan could be in connection with my ex husband, XXXX XXXX XXXX XXXX, XXXX. 
After XXXX XXXX XXXX XXXX in XXXX I left XXXX and fled to XXXX XXXXXXXX. After he served his sentence we were divorced in XXXX. My residence was and still is XXXX when this loan was secured 14 years ago I did not sign anything committing to this loan. Please remove this loan from my credit profile as it isn't mine. 
I can find XXXX ssn if needed. Former possibly current address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Or XXXX XXXXXXXX, XXXX, XXXX Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: CA

Complaint narrative:
I asked the credit bureaus to conduct an investigation on the XXXX XXXX XXXX XXXX Credit Card account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, XXXX states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. XXXX, on the other hand, illustrates more than 120 days late on XX/XX/XXXX with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. Finally, Experian states that this account is 150 days late on XX/XX/XXXX and has NO XXXX for XX/XX/XXXX to XX/XX/XXXX with a single Charge-Off for XX/XX/XXXX ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Credit account number XXXX has violated my rights. 

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

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that 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 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My account should be included with the Wells Fargo Illegal Practices Settlement. 
I contacted Wells Fargo to see if my account was included and they told me that they could not tell me, but if it was I will be contacted. 
My account was unfairly turned down several times when requesting loan modifications in hopes of avoiding foreclosures. I was incorrectly charged fees and other costs. 
Wells Fargo wrongly brought on foreclosure actions, and overstated attorney.

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 2023-06-20 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: LA

Complaint narrative:
XXXX XXXX XXXX of XXXX, LA Fraudulently added numerous inquiries on my Consumer Files. 
XXXX XXXX XX/XX/2023 Also inquiries are not connected to accounts, private information, and illegal 3rd parties furnishing information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Synovus Bank
State: GA

Complaint narrative:
First Digital accepted my payment on XX/XX/2023 and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have contacted Wells Fargo on three separate occasions about having a check reissued in the name of my father who has since passed away in XXXX. Wells Fargo provided the paperwork to get the check reissued and since it was to be reissued in the name of a deceased customer, they asked for verification such as a death certificate. I filled out the form and provided the death certificate as requested. They then sent a letter stating they can not reissue a check without me filling out a W-9. By their own letter, it states a W-9 would need to be completed if issued to a new payee. I am not requesting it to be reissued to a new payee and I made that clear multiple times on my telephone call today with them. I requested my call to be escalated to a supervisor and it was not. They then placed me on hold for an extended amount of time saying they were getting a new check number generated and to be sent out. After waiting that extended amount of time, the woman came back and said they would not reissue it without the W-9. First she said it was because the check was more than {$200.00}. She then said it was to verify me. I told her Im listed on the death certificate as next of kin with the same address as the mailing address on file for my father. I told her even if I filled out the W-9 in the name of the estate, the estate has been closed out for over 5 years so it wouldnt benefit anyone. I told her I provided everything they asked for to verify the account and she still gave me the run around. I told her I would be filing a complaint with CFPB for withholding funds and that I followed the information provided in their paperwork. The woman stated she would start a complaint for me however I told her I would do it myself to ensure it was done and accurate. WellsFargo is willfully withholding funds and refuses to release them even after all documentation has been provided.

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 2023-06-20 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: FL

Complaint narrative:
I am writing to inform you that I recently initiated a request with a credit reporting agency to conduct an investigation into my credit report. This request was made due to the presence of certain inaccuracies that I observed within my account. Following my request, your agency proceeded with a verification process to determine the accuracy of the reported information. 

I was subsequently notified by your agency that the results of their investigation concluded that the information contained within my credit report is indeed accurate. However, despite the thoroughness of their research, I have personally identified additional inaccuracies that persist within my credit report. 

In accordance to the fair credit reporting act, account XXXX XXXXXXXX account XXXX XXXX  XXXX have 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 2023-06-20 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: 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.

The letters are stated with items and issues.

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 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