vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: NY

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01 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: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-03-01 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: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
fees collected by XXXX regarding a listing that never posted or sold on my XXXX Account. The charges according to them is for a listing that i had listed for for auction .. this was never clear in writing at the time of publishing..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My name was used with someone named XXXX XXXX as a co signer to create this account without my knowledge. I never opened this account up. My identity was stolen and is being used to open several accounts fraudulently. I have had my data breeched four times since 2019. I've tried to resolve this issue several times to be able to actually open my own line of credit through XXXX  XXXX in realizing there is already a fraudulent account. It's been a couple years that I've had this issue with lvnv funding inc and it stands the same today as they have kept it. Stubborn as they are they refuse to change or dispute the charge and won't listen to my report for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TX

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I had a savings acct and a CD with XXXX by Goldman Sachs. On XX/XX/XXXX instructions were given to close and wire my savings acct funds ( over 6 figures ) and then also, on CD renewal XX/XX/XXXX, close and wire those funds as well. After a 4 hour call on XX/XX/XXXX neither wire transfers had been initiated. I immediately asked that the accounts be combined and wired. On XX/XX/XXXX the savings account funds were sent but not the CD funds. Each time I would inquire the excuse was they got a account number on the wire incorrect. The receiving bank would initiate contact with no response from Goldman Sachs. This bank is externally linked to my account with Goldman Sachs. I have requested a call back on 5 occasions from anyone with XXXX. No one has attempted to call me. Every business day since XX/XX/XXXX I have contacted XXXX with Goldman Sachs and constantly got the run around. It is XX/XX/XXXX and instead of calling me with their error, they redeposited my funds in a new CD without my consent. I am now currently on hold requesting the wire yet again. I have instant chat conversations and multiple names and call logs with Goldman Sachs. They will not give me any supporting documentation of the activity of my funds since they closed the CD on XX/XX/XXXX. When I was told the account number was wrong, I asked what information they had so I could correct their mistake. Again, phone agent couldn't support any of the history of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is our 5 th, Complaint about Wells Fargo Home Mortgage mismanaging our home loan. After receiving our XX/XX/2023 bill for {$1800.00}, we paid {$1900.00} dollars. then for our XXXX bill 2023, we noticed that our payment was Unapplied towards the loan. For almost a year we had the same problem with Wells Fargo Home Mortgage Un applying our funds towards our loan which resulted in Wells Fargo Home Mortgage filing an unlawful foreclosure on our home causing us to hire an attorney for Wells Fargo mismanaging our loan, ( which Wells Fargo had the foreclosure dropped ) but funds were unnecessary spent for Wells Fargo mismanagement, now in XXXX 2023, We are having the same problems with Wells Fargo.

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 2023-03-01 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: CA

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. 

XXXX XXXX  : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights And other 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 2023-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Upon reviewing my credit report I saw that Capital One reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : MY BALANCEON XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on capitol one! Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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:
*Transunion has ( 2- XXXX  XXXX accounts reporting ) : [ 2nd account ] XXXX and XXXX only of XXXX. [ 1st account ] 60 days late XXXX XXXX, 90 days late XXXX XXXX 120 days late XX/XX/XXXX. *Transunion also has a XXXX XXXX XXXX XXXX account that has ( 2 ) late payments on it. Late payments need to deleted and account needs to be updated to paid on time. According to : XXXX15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - Transunion : - The ( 2 ) XXXX XXXX XXXX XXXX - XXXX XXXX My Privacy is everything and the Consumer Reporting Agencies must protect it in accordance to 15 USC 1681 ( 4 ). But, they don't, they have allowed the reporting of any and every 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 2023-03-01 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: TX

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Smoeone obtained access to my report and changed information such as my address and there was a car loan inquiry not obtained by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have had a Capital One credit card since XXXX and since XX/XX/XXXX, I have paid every month on time with no incidence until last XX/XX/XXXX when Capitol One claimed that my payment was reversed. I called Capital One several times on this issue and each time they claimed that they did not activate the autopayment on the card to pull money from my bank but they did. My card has always remained locked and thus, no money could have been taken out to be reversed. Nevertheless, I paid XXXX through XXXX with the same amount I have paid for the last 2 years and more importantly, the amount the account suggested I pay, {$25.00}. XX/XX/XXXX, Capital One then increased the amount requiring me to pay {$130.00} and I was unable to afford it. 

Essentially, the issue is, based on the money I have paid to Capital One on this one account the card was paid off several times, but I do not have access to this card since XXXX. With each payment the amount I paid is not being reduced and I still do not have access to the account. Additionally, Capital One has reported to the credit bureau as being late although I paid on time and the amount the account suggested. I calculate the amount paid since XX/XX/XXXX is about {$1200.00} and this is way more than the balance and the limit of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a deposit payable to a business/ XXXX XXXX. Which I know the / means or. When I deposit it the teller took it in and process it. When I tried to get a hold of the funds they restricted my accounts. Chase request the business account documents which I provided it and now they are asking to call the maker of the check which is not a chase customer. I dont understand why they are holding my accounts when I provided the information they requested. I also requested for them to send the check back if they close my account and even that they dont want to give back. They are holding over my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX Webster Bank XXXX XXXX  I was called and told I had a negative balance of $ XXXX which is not true. 
I opened an account with XXXX XXXX which is part of Webster Bank and also XXXX XXXX. 
It had the highest interest rate for savings. I found they didn't have things I expected, so I wanted to take my money out and close my account. 
I had started the account with a Plaid transfer instantly for $ XXXX. 
I tried so many time, XXXX, to close the account. I spoke to XXXX man who said he was a top manager and said it would be closed. I got emails from the bank saying I still have the account. Again I tried and was on hold forever. 
The initial deposit was made in XX/XX/2022 and funds also transferred out in XXXX. 
I was contacted this week XXXX  times by XXXX XXXX. I told them my account was closed. XXXX XXXX said that it was still open with a negative balance of $ XXXX. 
She asked me for all my personal information used to identify me. I said that the deposit was made with Plaid and transferred out of the same amount deposited. 
I did not ask for the interest back because it had been so much work to get in touch with a real person. 

I told XXXX XXXX I didn't have any money in XXXX XXXX  and I didn't owe them any money. I said, take me to court if you think I owe you money. 
Either the bank is a scam or disorganized. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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:
On XX/XX/XXXX, I sent a certified letter to Experian ( USPS Tracking # XXXX ) to request information regarding items listed on my credit reports. I sent the certified letter to the address noted on the Experian website. XXXX XXXX XXXX, XXXX, TX, XXXX. The letter contained all of the identifying information Experian listed on the Experian website, as well as a list of hard inquiries I was requesting information/documentation about hard inquiries on my report, per section 609 of the FCRA. In addition, the request was to provide me the documentation related to each inquiry, as well as remove any of the inquiries if they could not verify and provide me the documentation they used to verify the information they are reporting. This letter was confirmed delivered on XX/XX/XXXX by USPS. The original letter is attached. 

On XX/XX/XXXX, I received an e-mail ( also attached ) from Experian stating that they have not taken action on my request as a " precautionary measure. '' On XX/XX/XXXX, I sent another certified letter to Experian ( USPS Tracking # XXXX ), addressing the e-mail. In the contents of the letter ( attached ), I included the original letter I sent on XX/XX/XXXX. In the second letter, I included confirmation that the letter sent on XX/XX/XXXX was from me, acknowledged their response and refusal to take action on my request, and asked them to provide the information originally requested, per section 609 of the Fair Credit Reporting Act. 

It is worth noting that I followed the instructions listed on Experian 's website, XXXX XXXX XXXX XXXX. I attached the below-required information to both letters of correspondence to Experian. 

- Full Name ( Printed, and listed on picture of drivers license ) - Date of Birth - Social Security Number- All Addresses I have lived during the past 2 years - A copy of my government-issued Drivers License - A copy of a utility bill, bank or insurance statement, etc. I included my W-2 for XXXX. 
- I also attached a statement from XXXX XXXX XXXX XXXX to this new letter in case the W-2 did not meet the requirements, on the second letter that was sent on XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail from Experian. The e-mail ( attached ) was the exact same response as the previous e-mail sent to me on XX/XX/XXXX, stating they are not taking action on my request as a " precautionary measure. ''

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 2023-03-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX reported my account as delinquent. I do not have to pay because my loans are deferred every year through XXXX which is a scholarship that pays for my loans as long as I teach for the year. I called the company and they verified my loan is in good standing and has been fixed, but this has not been fixed on my credit report.

Company response to consumer: Closed with explanation