vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, Wells Fargo called to speak to my father. I told them that my father was in the hospital and my mother ( joint on the account ) was available. I was told that without a power of attorney on file the bank could not speak to my mother. My mother received notification that the account had been suspended due to suspicious activity. My mother and I brought a power of attorney document to the Wells Fargo local branch. This document was reviewed by legal and found to be valid. A notary arrived and verified my mother 's identity. The documents were uploaded into Wells Fargo 's system. We were told that we could not do anything further until the documents were " in the system '' and that this might take two business days. My sister called the number we were given ( XXXX ) approximately XXXX XXXX on XX/XX/2023 and was told that they could not speak with her, as she was not on the power of attorney. At XXXX on XX/XX/2023, I called the same number, as I am on the power of attorney. I was told that no power of attorney was in the system and that I should call back later. I called back at XXXX and was again told that no power of attorney was in the system. I asked if we would be notified when the power of attorney was in the system and I was told that we would not be. I called again at XXXX on XX/XX/2023 and was again told that there was no record of a power of attorney in the system. The account can not be used, and we have only been told that it can take time for the power of attorney to be uploaded into the system.

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 2023-03-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was in bankruptcy for 10 years. My bankruptcy ended in XXXX, it is XXXX and Equifax is still showing that I have a bankruptcy on my file. The other credit bureaus updated my file once I got out of bankruptcy. I have been denied credit twice because of this erroneous information. I informed them that they were violating the Fair Credit Reporting Act and that they should correct this information. I called on XXXX XXXX, XXXX, they assured me I did not have a bankruptcy on my credit file. I went on line on myequifax.com and it was showing that I had a bankruptcy. I called back on XXXX XXXX and was told they were referring my file to IT to update the information. I checked on XX/XX/XXXX, the erroneous information is still showing. They continue to assure me there is no bankruptcy so they sent me a copy of my credit report on XX/XX/XXXX and it is showing a bankruptcy. 
It should not take 2 years to update there information, when the other two credit bureaus have done it already. I faxed them documentation where I was denied credit and that the wrong Info was still showing, I also sent documentation by certified mail and they still have not corrected my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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:
Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as XXXX and Transunion, but the information appearing on the XXXX website about my credit debt with XXXX and Transunion is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both XXXX and Transunion to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with 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 explanation
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as Equifax and XXXX, but the information appearing on the XXXX website about my credit debt with Equifax and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both Equifax and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to Equifax Complaint # XXXX and again Equifax did not fix the issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello I have been trying to get Equifax to block XXXX XXXX XXXX because I am a victim of human trafficking. I have submitted this request over and over and now Equifax is saying that they are unable to receive my documents or request via online or by email, or phone. I feel discriminated against and I am upset by this. They are not following the Human Trafficking Rights Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
HI my name is XXXX XXXX and i been disputing lvnv funding XXXX XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I took a HELOC in XXXX of 2022 due to XXXX. With that been said I been making payments to the account for over 10 months and the amount I own has not change at all. I have try calling them taking around 1 hour to speak to them. I owe the. {$60000.00} dollars and at first and payments are getting to high. Please if anyone can assist with this. The loan company is call Specialized loan servicing and they are taking way to much money and not paying anything towards the borrow amount.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or 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 2023-03-13 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: LA

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

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 or 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 2023-03-13 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: TX

Complaint narrative:
I am a victim of identity theft and am unable to access any of my credit reports. I am receiving multiple calls and letters from organizations on accounts that I have not applied for.

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 2023-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and am unable to access any of my credit reports. I am receiving multiple calls and letters from organizations on accounts that I have not applied for.

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 2023-03-13 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: GA

Complaint narrative:
On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, XXXX, and Equifax. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than 3 times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, XXXX, and Equifax ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX Equifax XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, Experian, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than 3 times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including Experian, XXXX, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX XXXX XXXX Experian XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.

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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
Upon checking my account on XX/XX/2015 I see unauthorized transactions for XXXX {$510.00} on my account I disputed the transaction and they denied my claim within in two days its takes more than two days to investigate a dispute claim I feel like their not investigating my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased Vanilla Visa gift card for {$150.00} at my local retailer. After many phone calls and emails but my gift recipient and I have been unable to recoup the company. I contacted the retailer and they created a case # and told me that they show it as properly activated o their side. After weeks of waiting they told me that while they filed a claim with Incomm, they are not hearing back for many months so I should call directly. On XX/XX/XXXX I called directly, waiting on hold for over an hour, and provided all of the requested documentation ( attached ). They assigned me a ticket # XXXX. They told me that I would hear back in 7 days. On XX/XX/XXXX, they sent an email not with a resolution but requesting the exact same info! I re-sent the info on XXXX and asked to speak with a supervisor. I did not hear back. On XXXX they sent another email requesting the exact same info. Frustrated, I sent it again and asked again to speak to a supervisor. I received no call. Today, I call and waited 51 minutes to speak to a supervisor. She told me that she could not help me as she shows that I sent the info on XXXX and I need to wait 7 days. I explained everything to her. I believe they are purposely re-sending documentation requests every 7 days to " reset the clock '' to keep putting the innocent consumer at a disadvantage. They have now held my money for 3 months for no good reason. It is clear that they are making it so difficult so that, at best, they hold onto the money longer and, at worst, hope consumers will get tired and go away. There need to be oversight on this company and penalties for keeping a consumer 's funds. Having to send endless emails and waiting on hold for an hour at a time appear to be intentional practices to avoid compensating the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
This complaint regards my XXXX XXXX  account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX  Chairman, XXXX XXXX XXXX, in XXXX as efforts by XXXX XXXX XXXX XXXX  have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX XXXX  was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my Equifax attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached XXXX report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop screwing over consumers. Delete my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-13 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a call from a XXXX XXXX stating that he was from the Head Office of Visa/Mastercard Card Member Services . He identified my total credit card debt and offered a service which included a balance transfer. He stated that XXXX XXXX XXXX would arrange this. I was transferred to a Credit Advisor, XXXX XXXX at number XXXX. He explained the process and verified my personal information. I told him that I needed some time to think about this. He suggested that I give him a call on his direct line once I made a decision ( XXXX ). I called and left a voicemail stating that I did not want to move forward. On XX/XX/XXXX XXXX from, head quarters, verified that they received my voicemail but stated that once they start the process it can not be reversed. She claimed that they had a signed agreement from an XXXX phone on XX/XX/XXXX. I never signed anything and when I asked her to provide a copy, she stated that I need legal representation to get a copy of the call or the agreement. One of the cards they opened in my name was a JetBlue World Mastercard ending in XXXX with Barclays. 

In the meantime, I filed a report with the XXXX XXXX Police XXXX and an Identity Theft Report with the Federal Trade Commission. I provided copies of both to Barclays, XXXX and XXXX. Barclays conducted several investigations resulting in the original balance ( {$2600.00} ) being waived but the fees remained. These fees have left a negative flag on my credit report, thus impacting my credit score. 

XXXX XXXX XXXX has not been held accountable for the theft of my identity.

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