vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: RI

Complaint narrative:
received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. XXXX account # XXXX Late payment reported XXXX late Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
On XX/XX/2023, my credit score dropped by XXXX points with Equifax because I used a credit card. I charged {$3800.00} on the card, which gave me a temporary utilization rate of 85 %. Before the credit card company reported my balance to Equifax again, I paid the card down to {$87.00} ( and now it is at XXXX dollars owed ). I now have a credit utilization on that card of less than 10 %. Instead of raising my credit score, Equifax took another XXXX points away from my score. 

I used a card and lost XXXX points on my credit score I paid off the card in less than one month and lost another XXXX points. 

This is unfair and makes no sense. At the same time that this is happening to my credit score, the authorized users on this same account gained roughly XXXX points each. 

I have spoken to 2 people at Equifax. One was a regular representative by the name of " XXXX '' and the other was a supervisor by the name of " XXXX ''. Both representatives said they had " no idea on why my score would be hit so hard when I have done everything right ''. I have no late payments, and no judgements or other things that would cause such a steep decline to my score. 

I believe the way that Equifax has handled my dispute with them is unfair because everything we do and everything we pay for is affected by this score. It can increase car insurance payments, raise deposits on utilities, and even effect employment. Of the " big 3 '' credit bureaus, only Equifax is handling my score in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MD

Complaint narrative:
under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. The entire amount is holding monies for the entirety of the debt to be paid off. Also, I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : Commonwealth of VA ; VA Dept Social SVS DCSE Account Number : 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 non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Charged way more then suppose to 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 2023-03-17 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: WV

Complaint narrative:
Today, XX/XX/2023, I tried using my replacement Vanilla Visa card at a local store. I had previously filed a complaint that was resolved by the company sending me a replacement card the end of XXXX. I had checked the card balance to see if it was authorized to use the first of XXXX. Today when trying to use the card at a local XXXX, I found that the replacement card had a XXXX balance and when I called the company was told that the replacement card had two debits on XX/XX/2023, from XXXX XXXX in California. I have never been to Calif. Was told it would be another 45-90 days for the dispute to be investigated. I don't understand how the card can be used when I have the card in hand. Is there someone from within the company who is leaking or giving out card information? Why should I have to wait another 2-3 months for the company to see that I did not make the charges and send another card. I told the rep I wanted this resolved today but got nowhere. The {$100.00} was a gift. Some gift! Once was enough, but twice this has happened. I really don't want another card, just the {$100.00} that was a gift from my family. Thank you for any help you can give me. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is reporting closed/ charged off accounts with a balance due. 
It is my understanding that if I receive a 1099 for a charged off account they should no longer report monthly payments as the account is closed and the balance due and should be changed to {$0.00}.

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 2023-03-17 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-17 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: CO

Complaint narrative:
I received a notice saying Colorado law requires TransUnion to provide a copy of negative information impacting my consumer report. They do not have the right address listed which makes me question the information. I tried to call the XXXX number falsely advertised and once you enter 1 for English they say the service is not available I have tried to call the 800 number, do their online portal for help, contact XXXX and ask for a supervisor but no one responds. How am I as an average citizen supposed to protect my personal information and my credit when these companies make false claims and do not provide the necessary means for resolution? The agents claim to not have access to email and there is no corporate telephone number provided to speak to a live agent. This is a real concern!

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 2023-03-17 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: NJ

Complaint narrative:
Equifax 's automated telephone tree has some kind of loop requiring me to validate my identity repeatedly in order to speak with a representative about my dispute. I went through their validation process three times without reaching a representative. I was told I had successfully validated my identity, then asked to validate my identity. Additionally, each validation required me to receive a code over SMS, and I needed it resent several times before I received it. All told I spent half an hour repeatedly validating my identity until I gave up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights .

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

15 U.S.C 1681 section 602 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 2023-03-17 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, has violated my rights .

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

15 U.S.C 1681 section 602 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 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I receive an average of 10-15 calls PER DAY often over and over again within a small time frame. I used my credit to start my business and have told them time and time again I am paying as soon as I get my taxes that Ive been falling behind due to XXXX striking me twice and being out of work. They are foul mouthed and loud and use obscene language. After I have blocked their number they will call continuously from a blocked number. Ive answered to confirm. 
Comenity Bank!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My loan was transferred from XXXX to NewRez and the process has been TERRIBLE. They told me my autopay would transfer over and it did not, costing me late fees. Now I can not set up auto pay because my loan shows past due. I called newrez to set up the auto pay and they hung up on me. It took ELEVEN calls to them to get someone to talk to. Most of the time I call the phone number from their website and the line is SILENT. Now I have to jump through HOOPS just to get my loan back to what it was and when I call no one cares. Not allowing me to set up autopay is not fair. Saying my payment will transfer over and then charging me late fees is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: DC

Complaint narrative:
My complaint is that Experian refuses to remove a derogatory address of XXXX XXXX XXXX, XXXX, MD from my credit report. I have never resided there, and I have never applied for any such benefits, etc. using that residence. I have tried to contact it using their internal communications dispute portal only for it to reply providing me with a results number # XXXX informing me that my result could not be provided through the portal, and that I must contact it at XXXX. Problem is, when I contacted it, I was greeted with an AI-Bot that gave me three options ; ( 1 ) to contact it on its website; ( 2 ) for it to provide me with its website address ; and/or ( 3 ) to repeat the instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: RI

Complaint narrative:
I have problem with this companies has violet my consumer right XXXX XXXX account # XXXX charge off account XXXX  account # XXXX charge off account XXXX  account # XXXX charge off accounts XXXX XXXX  account # XXXX charge off The charge off Is clearly for IRS as gross income the income no get reported consumer reported The laws 15 usc 1681 s-2 Is very clear This company violet

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX My personal account was canceled by the American Express with a {$2500.00} minimum payment due. 
Since XX/XX/XXXX American Express has charged me {$110.00} dlls with different names of commissions in a 2 month period. 
On XX/XX/XXXX I called the customer call center to cancel my personal account and confirm the amount I had to pay. They confirmed me the amount was {$2400.00}. 
On XX/XX/XXXX, the same day I paid the total amount by bank transfer {$2400.00} after that I received an XXXX mail about the cancelation of my account. 
On XX/XX/XXXX, a month later of my request of the cancellation. I received an e mail about an amount pending in my account of {$3.00} as an interest charge. 

From my understanding the amount of {$3.00} is illegal interest ( usurious ) because since XX/XX/XXXX I owed the Bank {$0.00} dollars, and they did not cancel my credit card on time as I requested or calculated such amount in the figure they provided me to cancel my account. 
I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank in American Express. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking.

2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice.

3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-17 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Square Inc. has been holding our money for over 247 days as of XX/XX/XXXX and refuses to transfer it to our bank from their POS portal. The balance of {$3400.00} that is due to us has been held on their POS platform and they have suspended our account and refuse to transfer the money out. We have contacted customer service via phone and email since XX/XX/XXXX till today and they refuse to help or tell us why this money is being held. They have emailed us back in the past saying " we will release your money after XXXX days '' but it has already been over 247 days as of today and we have not received a penny of the {$3400.00} balance that is ours. We have tried to follow up but their customer service is unresponsive. We provided invoices matching the transactions upon their request and they still refuse to transfer the money that we earned into our bank account. The first transaction from this balance dates back to XX/XX/XXXX with an amount of {$750.00} at XXXX. The second transaction of {$1300.00} on XX/XX/XXXX at XXXX. The third transaction of {$720.00} on XX/XX/XXXX at XXXX and the last transaction of {$720.00} on XX/XX/XXXX at XXXX. Square was quick to take their fees out of these transactions but will not release our balance into our linked bank account. 

Square is leaving us with no other option other than to file a report to CFPB.

Company response to consumer: Closed with explanation