vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-19 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: Lendmark Financial Services
State: AZ

Complaint narrative:
I applied for a loan on XXXX XXXX to see what my options were without affecting my credit. I was suggested a company called Lendmark financial while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I do not recognize nor do I have a contract legally binding I, XXXX XXXX and TRUIST with any agreements. This Is FRUAD! I have Reached out to TRUIST multiple times due to this fraudulent account and no response from TRUIST XXXX XXXX as stated Here I would receive something in writing addressing I, the consumers concerns and I, the Consumer have been ignored each time as well as sending certified mail proving TRUIST has received my concerns as well as TRUIST ignoring them. TRUIST continues to cause damages by making I, the consumer keep an account I Never Asked Nor Agreed to. This has Caused XXXX, Mental and Physical Damages I, have been reaching Out to TRUIST Since XXXX of XXXX  to current all Documented and Notated. This is a Conspiracy against my Rights and Color of Law, For TRUIST to Bully I, XXXX XXXX. 
I Come in Good Faith and Clean Hands by Law Who Has Notice Each Persons Knowingly, may Face Fines, Jail Time and or Both according to Law.

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 2022-12-19 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2022-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I received a letter stating that questions XXXX were not completed, however they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
I been disputing an XXXX XXXX XXXX for 5 months and I was told each time it would be removed and I have to wait 90 days. I reached out to Transunion 16 times and XXXX 50 times. There representatives are rude and lie about things. I received a letter XX/XX/XXXX a request to remove the inquiry of my account and recover any points that were lost for the inquiry. I sent it to Transunion and I still have this inquiry on my report. The inquiry was made on XX/XX/2022 and I am still reaching out to get it removed. I attached the letter sent by XXXX also.

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 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On my Wells Fargo credit card there is a charge for {$2500.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not made this purchase. I do not recognize what this purchase is for. I have not given the credit card information to this merchant. I have not received anything from this merchant. Regardless, for some reason the disputing functionality does not work on wellsfargo.com and I need this to be disputed. Hopefully someone via this channel will be able to help. I have noted the transaction on attached screenshot.

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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: MN

Complaint narrative:
The original debt was litigated in XXXX XXXX XXXX XXXX. The original creditor was not awarded anything. Hunter Warfield put a collection account on my credit report. 

on XXXX, I sent them the attached communication. I explained that the debt had already been litigated, and that the balance was not owed. I also asked XXXX to only contact me by XXXX mail. 

on XXXX, I was sent electronic communication from HW. They sent " verification of the debt '' that was merely a few exhibits that were presented during the court case. They did not address that the debt was already litigated. 

This debt is not valid, and HW has contacted me after I expressly wrote to them instructing them to only contact me via XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for the card, but I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IA

Complaint narrative:
On XX/XX/2022 @ XXXX, I was reviewing my XXXX XXXX Credit Report XXXX When I noticed a Collection that was unknown to me. 

Am Sher Collections Services is listed on my credit report for {$69.00}. The original creditor is XXXX XXXX. 

I called the phone number listed on the credit report - XXXX. At XXXX XXXX I spoke with a lady who would not give me her name. After giving her my name and Social Security Number she stated " We don't have a listing for your collection ''. 

This was reported to the credit report on XX/XX/2022. I was never notified of this debit. When I called to get more information I was told they don't have anything for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I booked a pool cabana with XXXX XXXX in XXXX for my visit on XX/XX/XXXX. The weather has been crazy this year and it was raining that morning with no sunshine and continued rain. I submitted a cancellation policy and was told they are working on a refund, 3 months later no refund and no more responses. I then filed a dispute with Wells Fargo on my XXXX XXXX. At first, they did not look into the issue. I had to call over 30 days later because I kept receiving automated emails that we are working on your request. When I called they were thankful because I supplied details ( as mentioned, raining, no sunshine and nobody could use the pool ). Wells Fargo took over 3 months to respond and told me that it is the merchant cancellation policy although it is a XXXX. I've never been treated like this with any purchase, especially one I cancelled and showed the thread of responses to say cancel, we can't use the pool today.

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 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for a Chase Freedom Credit Card on XX/XX/22. I waited 30 days for the response on my application. I checked the status of my application my times throughout the 30 days and always was told that it was still processing. I got in touch with a Chase representative during the second week on XXXX, which was about 45 days after my initial application was submitted. I was transferred to 3 three different people and all I wanted to know was the status of my application. I was told on that phone call I would get an email or letter in the mail with a decision with 2 weeks, so by the end of XXXX. I receive no letter of a decision. I called Chase twice on XX/XX/22 and spoke with a representative both times. I want some type of denial in the mail discussing why I was denied or if I was approved. Both representatives said that legally that information should be provided to me. I was transferred to the leading department both times, which was closed for the day. I was advised to reapply and did so on XX/XX/22. I was approved the next day, so Im assuming something went wrong with Chases system in my initial application. I even checked to make sure my address was correct on the Chase app and it was, so I shouldve received a letter. I called Chase again on XX/XX/22 and spoke with a representative. I was told my initial application was out of the system and could no longer be given a letter of decision on my application. I asked to speak to someone about getting the hard inquiry taken off my credit, but was told Chase didnt have the ability to do so. I asked to be transferred to the leading department, and the representative refused and persisted that nothing could be done to help me. Today is XX/XX/22 and I first applied for my Chase Freedom Credit Card on XX/XX/22. I still have received nothing on a decision from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In trying to access my Equifax credit score, the webpage comes up with an error and to contact Equifax Customer service with the code " XXXX ''. I have contacted them multiple times over the past 2 years and state they will get it fixed within 10 days. 10 days comes and goes and nothing gets done. I have been denied credit because the report that was pulled comes from Equifax and there is no data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: GA

Complaint narrative:
I sent a let out on XX/XX/XXXX to XXXX, and Equifax. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX  However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX : XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
I've reached out to Transunion on multiple occasions regarding a collection account on my credit report that does not belong to me. 

They're still reporting it on my credit report.

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 2022-12-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: IL

Complaint narrative:
I have contacted all three bureaus in regards to inaccuracies on my report. They've had me listed as deceased twice and mixed my file with others. I am attempting to purchase a home and continue to hear there's no score listed for me. However when I go onto the individual sites I have scores. I'm beginning to feel as if I'm being discriminated against.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
1 ) Scheduled Bill Payer for Taxes for XXXX Delivery to XXXX XXXX - XXXX XXXX was mailed check to Payee 2 ) Funds of {$4700.00} removed from account on XXXX XX/XX/XXXX ) XXXX XXXX- Confirmed Funds not received by Bill payer 4 ) XXXX XXXX- I Sent a new direct e-payment to XXXX XXXX to avoid penalties 5 ) Spoke with Capital One customer service who confirmed a ) Bill Payer Check was stopped & b ) Will reimburse of funds in 3 days 6 ) 3 business days later - Capital one denied the claim 7 ) Capital One claimed they made no mistake - 8 ) Sent Capital one confirmation payee did not receive - XX/XX/XXXX XXXX ) Capital One declined the claim again - XXXX XX/XX/XXXX Capital One refuses to refund the money - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX Account Name. XXXX XXXX. Account Name. XXXX Bank. Account Name. XXXX XXXX. Account Name. XXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX Account Name. XXXXXXXX XXXX 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 7 years.

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

15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXXXXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX Account Name. XXXX XXXX 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 7 years.

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

15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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