vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.

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 2023-04-25 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: DC

Complaint narrative:
Accounts was open in my name fraudulently. 
XXXX XXXX XXXX XXXX opened on XX/XX/2021 and has a balance of {$10000.00}. XXXX XXXX XXXX BANK Credit Card Opened on XXXX and a balance of {$910.00}.

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 2023-04-25 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: TX

Complaint narrative:
The Texas Attorney General 's office has been reporting inaccurate late and/or delinquent payment history that is causing serious issues in my lively hood. I have provided the reporting information in the below attachment. They are also not allowed to report said information according to the below : 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency that administers a State or local program for establishing and enforcing child support obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: 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 non-monetary relief
Consumer complaint received 2023-04-25 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: SC

Complaint narrative:
Pursuant to XXXX5 USC 6803, at the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to the consumer, in writing or in electronic form or other form permitted by regulations. Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, the credit bureaus violated my right to not giving me the right to opt out clearly and conspicuously. In addition, the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to a 3rd party in which the bureau 's violated this this law as well because I was never disclosed at all. I was never giving the right for nondisclosure, opportunity or explanation on how I can exercise my rights. I demanded that the credit bureaus remove these accounts off my credit report immediately XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$500.00} written off. XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$420.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XXXX XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$500.00} past due as of XX/XX/XXXX 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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Provide a wet signature and original copy of the agreement. Provide proofs that you are Licensed to collect debt for theState of Washington. Provide all receipts of payments and letters for missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: NJ

Complaint narrative:
I have just looked at my credit report and found items that do not belong to me. I have called the creditors and found that they were opened in Florida. I have never lived in Florida. There is a Florida address being reported on my credit file but I never lived there. I have always lived in NJ and I am including my current license and a copy of a paycheck from 2019 when this Discover account was supposedly opened showing I was employed and living in NJ during the time frame these accounts were opened. 

I have tried to disputed these accounts and gotten no help. I need your help to get these fraudulent accounts off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
TrueAccord.com notified me that they were attempting to collect a debt, sent to them from XXXX XXXX, a loan company in XXXX, IL. ( previously filed a CFPB complaint about XXXX XXXX ). TrueAccord had two attached files from XXXX XXXX. File 1, I could not open, and File 2 was a copy of a contract electronically signed by me. This contract was a forgery and did not have an official electronic signature by me. It was a total fraud. 

I sent TrueAccord a copy of XXXX XXXX letter exonerating me from any responsibility of their latest loan. 

I have hired an attorney in XXXX, IL to file a lawsuit against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
I never gave no consent written or orally to use my information as a federal protected consumer I have the right that this information be removed it dont belong to me. This is alleged obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
I never gave no consent written or orally to use my information as a federal protected consumer I have the right that this information be removed it dont belong to me. This is alleged obligation

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MD

Complaint narrative:
I used my Cashapp credit card to make an online purchase. After not receiving the items ordered nearly 3 months later and contacting the merchant several times, I asked Cashapp to perform a chargeback. Cashapp denied my request. When I asked to see documents on which the denial was based, Cashapp provided me a copy of a document which showed that I authorized the transaction. The fact that I authorized the transaction has nothing to do with the fact that I did not receive the items. Cashapp did not attempt to contact the merchant or do any type of investigation and they refused to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
The inquiry XXXX must be removed from my account immediately. 

The reports has been pending for a while and Im waiting the response from the identity theft department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TX

Complaint narrative:
I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and Transunion does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.

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 2023-04-25 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: TX

Complaint narrative:
I have disputed Account Name : XXXX Account XXXX : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Equifax : XX/XX/XXXX XXXX certified mail to XXXX : XX/XX/XXXX Credit Bureaus, XXXX, Equifax XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and XXXX does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have been locked out of my Chime account for over a year due to an XXXX scam. I have contacted Chime about this and was asked to take a selfie holding my government issued ID. When I completed that, I then was asked to take a selfie holding my ID with only the date. After I submitted that I was asked to submit a selfie holding ID with my name and the date written on a piece of paper. I have submitted the requested information over 10 times and I am still unable to access my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 ( sat ) I went into my bank and deposited a check into my account for {$8400.00} the cashier told me that my funds will be available on the XXXX ( XXXX  ) and they were not I had a alert stating that there was a hold on my deposit and that I needed to contact the person that cut the check I contacted the person that cut the check on XX/XX/XXXX and told them everything that was going on they stated to me that they cleared the check yesterday on XX/XX/XXXX and that my funds should be available today that I need to contact my bank I contacted my bank and let them know that I spoke with the person that cut the check and this is what I was told my bank is trying to tell me that I have to wait almost XXXX weeks for my money to be available to me. Also I'm not understanding why it states that my check was deposited on the XXXX of XXXX when I went in on the XXXX which was XXXX  and deposited my check

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 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Spoke to someone about the overage when transferred to this company and the escrow. I wasnt negative. Then a few months I am. I had XXXX. Extra from payments being sent. No one said anything about the time it will sit account before they will take it after question the amount. Ask for it to be refunded told no. They were to ask where I would lime for it to go and never did. So instead of refunding me or out to escrow that they say I'm short in. They moved the money to principle on their own to make my payments higher which is XXXX and I'm on fixed income. Ut that way they get free money and more from me. Making it harder on me. To include I still never recieved the back pay from the old company that sold my acct when they found out I had recording of them owing me my tax payment amount that I filed before on here. I sent that info with. We company and still nothing. I'm due XXXX plus from that still. They still havent refunded the late fee with this new company or the XXXX fee that the last company lied about a forclosed fee to my investor. I want to be refunded all my money and them to put that XXXX to that escrow and lower my payment back to it's original payment XXXX. XXXX where it should be. I called them again and spoke to a guy and gave permission to call bk if disconnect and no call back or anyone.

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 2023-04-25 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: NY

Complaint narrative:
Equifax blindly trusts XXXX 's data, even though XXXX has assisted in ID theft against me more than once, even though I have a credit freeze, and even though I have a fraud alert on top of that! XXXX is trying to force me to use my own funds to prove this account was not mine, even though anyone with the slightest common sense can see it was not me. XXXX will not even give me an invoice for this supposed debt, yet Equifax blindly trusts them and Equifax even changed my address to where the crime occurred!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
In accordance to the fair Credit Reporting Act the list of accounts below violated my federally protected consumer rights to primary and confidentially under 15 U.S.C 1681 US DEPT EDXXXX, US DEPT EDXXXX, XXXX XXXX, US DEP EDXXXX 15 U.S.C 1681 section 602 A. States that i have the right to privacy 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( A ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information other than records or conviction of crime which antedates the report by more then seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person should not furnish any information relating to the consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX Wells Fargo closed sent me an email saying that they would close my account due to being fraud risk. Fraud was claimed due to me logging into to my account from abroad. It is true that I have logged into the account from abroad, however I do not believe any suspicious transactions took place. I called the phone number attached on the email but I was unable to prevent the closure of my account and told me the further verification will be required at a later date. I offered to provide more information over the call but I was told nothing could be done. Now my funds are trapped in this account with no ETA of when my account will be unfrozen. Wells Fargo says they will close my account on 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