vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: NV

Complaint narrative:
XXXX Request Validation of Bankruptcy From XXXX, Equifax, XXXX and Court. 
XXXX Received Validation from XXXXXXXX XXXX XXXX  XXXX- received letter stating bankruptcy is accurate. 
XXXX mailed letters to XXXX XXXX XXXX Equifax and XXXX XXXX for removal of Bankruptcy from credit reports with letter from Nevada Court stating did not report.

Nothing has been done as of yet. 

XXXX XXXX BANKRUPTCY FILED XXXX BAL {$0.00} XXXX Their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NV

Complaint narrative:
XXXX Request Validation of Bankruptcy From XXXX, XXXX, Experian and Court. 
XXXX Received Validation from XXXX XXXX XXXX  XXXX- received letter stating bankruptcy is accurate. 
XXXX mailed letters to XXXX XXXX XXXX XXXX and Experian Bureaus for removal of Bankruptcy from credit reports with letter from Nevada Court stating did not report. 
Nothing has been done as of yet. 

XXXX  XXXX BANKRUPTCY FILED XXXX BAL {$0.00} XXXX Their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX In received a notice that my American Express credit car interest rate is increasing to 23.99 %. I have been an American Express credit card customer since XXXX and I have never made a late payment. My XXXX  score as of today is XXXX. I am an elderly veteran of XXXX  years of age. I called American Express today and for 5 hours was never given anyone to speak to regarding this interest rater increase. I believe that this is an abuse of the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2022-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached 3 FTC reports with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. ''

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 2022-06-14 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: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. ''

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 2022-06-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 2022-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The information which appears on my credit report, does not relate to any transactions that I have made and are related with my current open accounts. The following are the results of identity theft.

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 2022-06-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have contacted Equifax several times about a collection account on my report from XXXXXXXX XXXX XXXXXXXX. i Filed a dispute on The account but it was not removed, not only that but it is on my report twice now as an additional collection account. When i contacted them about this they opened another dispute but never fixed it or even contacted me with the results. I need this collection account removed from my report along with these inquiries that i dont recognize and cant get them to remove Collection Account to be removed it is on the report Twice XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Greetings, we purchased our home they Guaranteed Rate and closed this past XXXX XXXX 2022. The process was fantastic and the team we worked with was phenomenal! 

Now we are being told that our loan servicing is being transferred to a company called XXXX XXXX. As an engaged consumer I looked this company up on the XXXX website and discovered that they are a terrible company with a disastrous track record! I have called Guaranteed Rate multiple times requesting that my loan servicing not be transferred to this company. I have a list of names of many that I spoke with but they just kept transferring me to different people until I demanded to speak with their highest level supervisor. Her name was XXXX and she stated that there was nothing that could be done. She also stated that she could not tell me the name of the person or persons responsible for making this decision. 

I am a service XXXX retired XXXX XXXX and I believe that this new loan servicing company does not value any of its customers, especially XXXX  based upon their reviews. I need to know why my loan and others are being transferred to such a substandard loan servicer and why are companies allowed to transfer our loans without ensuring that the servicer is reputable? I will also be contacting the XXXX XXXX XXXX XXXX, both my congressman and US Senators, The XXXX XXXX. and the media if necessary. 

I did not serve for most of my life just to have a company that makes millions from XXXX  loans to have my loan sold off to a company that appears to make its money charging excessive fees, provide poor customer service and appears unresponsive to its customers. 

I look forward to your assistance concerning this most urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. The information which appears on my credit report, does not relate to any transactions that I have made and are related with my current open accounts. The following are the results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX # XXXX, XXXX # 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/2022 - received information via mail about 2 attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO XXXX XXXX confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV tXXXX report that my driver 's license number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC BANK closed out my checking account because of an issue I CAN NOT OPEN MY XXXX XXXX ACCOUNT IT AS BEEN RESTRICTED my PNC ACCOUNT WAS CLOSED OUT because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report pnc temporary credit my checking account I was able to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence pnc bank still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX  pnc as sent NEGATIVE INFORMATION OF FRAUD to XXXX XXXX and until this is corrected they will not do business with me I have attached all the evidence after reaching out to XXXX they ruled to stand by PNC Decision and found no error. Please Help ME rectify this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Collection Account XXXX XXXX XXXX # 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 : also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2022, {$20000.00} was unauthorized and fraudulently taken from my Discover checking account. I called XXXX about this issue and was told it would be sorted, and that their website had undergone a breach. I did not hear back from XXXX  for months and I was directed to contact the Consumer Financial Protection Bureau. I have contacted Discover Bank about the issue and opened an unauthorized dispute, however, they have stated that this transaction is valid and closed my dispute the next day without much investigation into the matter. It is to no fault of mine that my account had been hacked. Both Discover and XXXX are FDIC insured in the event that their system becomes breached. I only authorized a withdrawal on XX/XX/2022, for {$2500.00}. The {$20000.00} on XX/XX/2022, is a fraud charge on my account and Discover bank has not helped me in the matter to recuperate my funds as a customer of theirs. I have had calls dropped on me by Discover members when calling to check on the status of my case multiple times. My Fraud claim was opened on XX/XX/XXXX in the evening and closed via letter on XX/XX/XXXX. I believe my claim had been mishandled and Discover lines have been backed up for weeks and agents constantly drop calls making it hard for me to speak to supervisors especially since I am constantly traveling and out of state for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
They called me like they were XXXX support and told me they could refund my money back but instead they had me download a app where he could see my Id and all my information on my phone the transferred my XXXX to XXXX now all my money gone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX bank withdraw reversed for payments in my checking account without notice. states provisional credit reversal from stimulus payment. As a single mother on XXXX, this has impacted my finances in a huge way. I've reached out in attempt understand where this came from and possible make arrangements on correcting this. Wells Fargo constantly leaves me on hold, hangs up, states it escalated for call back no one has yet returned my call. I had all my finances connected to this account, now I'm having to route to another bank, due to them stopping over drafting I'm getting hit with all kinds off payment reversals. i do admit my account has not always been in good standing however I've been a loyal customer for XXXX  years and my direct deposit has been entering this company since every XXXX weeks. I'm on danger of losing everything due to the ripple affect this caused from the month of XXXX. That {$400.00} that was available to the time was to pay for my car insurance and car loan. That was all the money I had plus it negative my account- {$1200.00}. 
This has to be someone that understands my position. i have not help. i am the only provider for my home and my kids. I have access to resources for money assistance. I'm trying to build my credit to by a home and this dropped my score down XXXX points. I cant afford to owe a bank. how am i going to come out of this whole?

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 2022-06-14 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: CA

Complaint narrative:
Credit Bureaus stated that my accounts were properly investigated Complaint ID # XXXX. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX This was a false statement made by the Credit Bureaus because the opening date is inaccurate, and the last date reported is not accurate across all three Credit Bureaus XXXX This is grounds for removal, that also violated my rights under 15 U.S.C 1681 Section 602 A, states I have a right to privacy, under 15 U.S.C 1681 Section 604 A. Section 2, it also states that the consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my investigation.

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