vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: NY

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX Account XXXX XXXXXXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.Jul 12, 2022 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a 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
Consumer complaint received 2023-03-22 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Account # XXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.Jul 12, 2022 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a 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
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have requested a copy of my credit report several times.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AL

Complaint narrative:
Requested my credit report in writing three times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-03-22 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: SC

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 name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
While banking with Wells Fargo I received my debit card and went to make my first deposit in a drive up ATM after hours ( XXXX, Tx location ) I had somehow managed to accidentally get a clothing tag stuck in between the stack of cash that I was depositing. It had, unfortunately jammed the machine, and spit out the majority of the cash that I had deposited. However, there was still money stuck in the machine of an unknown amount in the denomination of {$20.00} bills. When I had made a claim I had let them know it was between {$100.00} and {$300.00} and {$20.00} bills stuck in the machine after over a month and a half, I have been told twice now after re-opening my claim that there was no cash to be found inside the machine, and that the machine was balanced, which I know is physically impossible.

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 2023-03-22 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: IL

Complaint narrative:
My consumer right has been violated according to 15 us code 1681 inaccurate information is listed on my report which should be deleted 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 explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Years of overdraft fees and deductions

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 2023-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
However, my account was close due to valid fraud claims that I have been through since opening my account. My vehicle was stolen multiple of times and all of my personal Information was taken. I been having trouble keeping my bank account secure. Furthermore, USAA closed my account due to suspicious activity & I havent didnt do anything wrong but besides to keep my sccount secure. Now my bank is restricted, I have a family and a life. I now cant access any of my funds. They want me to wait 60 days on my money to get. This is ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Payment is overdue by 1 month, have been receiving calls excessively every day starting at XXXX and throughout. Have received over 4 calls within the first hour and over 10 calls a day. When answered the system does not respond

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
Requested my credit report in writing three times to no avail.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: AL

Complaint narrative:
Requested my credit report in writing three times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: Vehicle Solutions Corp
State: FL

Complaint narrative:
i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Untimely response
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: AL

Complaint narrative:
After XXXX for XXXX XXXX, I received a bill from XXXX XXXX XXXX XXXX for pre-admission testing and a XXXX XXXX. I am insured under an XXXX, and XXXX XXXX is out of my network, but can obtain a prior authorization to cover such services ( they had all of my insurance information ). 
After much investigation, it was determined that XXXX XXXX did not attempt to obtain a prior authorization. I've talked to lots of people at the facility who agree with me and offer help, but I never hear from them again. XXXX XXXX refuses to negotiate. 
Now I have debt collectors contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TX

Complaint narrative:
I believe someone is using my personal information to inquire about credit card accounts. I have great credit and do not want these unauthorized inquiries to lower my score. Here are the inquiries that a saw on my report : Inquirer Name : XXXX Phone : ( XXXX ) XXXX XX/XX/2023 Inquiry Inquirer Name : XXXX  XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX XXXX XXXX : ( XXXX ) XXXX An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Phone : XXXX XXXX ) XXXX Industry Type : Commercial Banks Please remove them because this is a violation of my privacy and I did not request for new credit.

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 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I was in an accident on XX/XX/2023. I opened a claim with the at fault drivers insurance. They took a while to get back to me so it was probably a few weeks after I was told that there was no coverage at the time of the accident. So I then opened a claim with my insurance. This was on XX/XX/XXXX. I reached out to the total loss department at global lending service. I was told my vehicle was at one location, and that it would be in transit to go to XXXX. My insurance went to XXXX and my vehicle was not there. They were given a new location and my vehicle isnt there. The company is unable to locate where my vehicle is at this time. This has been a month as of tomorrow & my insurance still hasnt been able to do the adjustment for my car. I really feel like theres something illegal going on because no one has any answers for me, theyre just giving me the rub around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: DE

Complaint narrative:
Ive requested to get hard inquirys disputed from my report which they are inaccurate and not open accounts. I sent out letters more than 30 days ago but I havent been notified or updated about any information XX/XX/2023 Inquirys 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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by zwicker and associates in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a XXXX XXXX XXXX address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted zwicker and associates to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. Zwicker and associates are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe zwicker and associates need to be investigated. My rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX :XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; 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 2023-03-22 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Beginning in XXXX, I tried to get a loan modification from Wells Fargo and they wouldn't respond to my request. I ended up having to sell my home for less than I paid for it. In addition, Wells Fargo cashed a post-dated check that spiraled my checking account into a deepening negative balance, when they could see my balance wouldn't cover the post-dated check on the day it was incorrectly presented by a plumbing company who had agreed to wait to submit it on the day the funds would be deposited. Following is an XX/XX/XXXX email I sent to a state representative trying to get help : Dear XXXX XXXX, I'm trying to get help- I've been unemployed for over XXXX year and I'm not behind with my mortgage but I will be soon. My loan 's origination date was in XXXX XXXX, past the XXXX XXXX, XXXX deadline the foreclosure prevention help programs all seem to have. 

Wells Fargo will not help me, I've spent the last month sending and resending the same financial information to them. I have equity in my house which I'm sure appeals to their bottom line, but I will have to sell well below what I paid for it ( if it sells ), according to my realtor who just sold her house in a short sale. My roof also has a leak so my house is not in top condition for sale. 

Will there be any flexibility in the new Oregon Homeowner help programs in regards to that XX/XX/XXXX deadline? I've been trying to maintain my credit rating and not go into default but the bank options- waiting periods, 3-month forbearance with balance due at the end of three months in a lump sum - all lead to damaged credit and possible foreclosure in the end. 

Wells Fargo did not help me and I ended up selling my home for less than I paid for it.

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