vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX  XXXX XXXX loans are income based driven loans. After my divorce, I submitted my documents to was then XXXX XXXX. XXXX never acknowledged the divorce decree, which keep me as a financial XXXX to them. Over the years I have written numerous letters to XXXX regarding my financial status as well as my divorce decree. 
XXXX  private student loan services listed accounts on my credit report as being late more than 60 days which belongs to my daughter and ex-husband. Account has never been late. Daughter never disclosed to me anything beyond accounts in forbearance. Accounts has been in forbearance since the Covid pandemic. She is still unemployed. 
XXXX Change to all 3 credit reporting with XXXX  credit score-XXXX. On XXXX XXXX reported exceptional score of XXXX On XXXX, filed a dispute with XXXX. On XXXX file a dispute with Attorney General office of XXXX XXXX, still waiting on that investigation as well. Score decreased. to fair XXXX, changes to score with Transunion. On XXXX, XXXX updated dispute with submitted documents. Also on the same date changes made with XXXX. 
XXXX deleted the accounts from credit files as of XXXX after their investigation of my dispute, however my credit score as of XXXX, has not been restored from fair to exceptional. which was my prior score before this issue with XXXX inaccuracies. 
XXXX, XXXX sent a letter to daughter stating that accounts were approved for forbearance from XXXX to XXXX. If account in forbearance, why are the showing as late more than 60 days/negative on my credit report. This should have never happened. 
Still waiting to hear response from Attorney General of XXXX as well as updated and restored corrected scores from all 3 credit bureaus. 
XXXX submitted additional documents to XXXX re : forbearance letter and dates. 
I have worked extremely hard to maintain and improved my credit score to exceptional status. This matter should be investigated and my scores for all 3 credit bureaus should be corrected and updated as well as restored to my exceptional status.. XXXX XXXX negative reporting on my credit file should be deleted from XXXX and Transunion due to their error and unfair practices, not mine. Again, XXXX has already deleted XXXX from my credit file

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 2022-06-22 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: GA

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 : Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXXXXXX 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 2022-06-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2022-06-22 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/22 in the morning, my account was fine. Then I was unable to login online in the afternoon. Again, the morning of XX/XX/22, I was locked out of my account so I called Citi. Citi informed me that my savings account was closing out but they would not tell me why. All they said was that I would get a letter in the mail telling me why, within 30-60 days. 

My life savings is in the account- {$18000.00} - and nobody can tell me when I will get my money back. I have a child 's college to pay for soon and need my money back. 

I called about a dozen times and they not only couldn't tell me WHY it was closed, but they kept hanging up on me so I had to keep calling back. I asked to speak with a supervisor many times and they kept saying they were too busy and couldn't find one. 

I can not afford for Citi to just hold my money and not tell me when or how I will receive it back, if ever. This is nearly my life savings in this account that they just decided to close on me with no notice. No email, no phone call, no text, nothing. 

I just want my hard earned money back, and to be done with Citi forever, if they are going to treat their customers like this. 

Please help!

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 monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to reach Experian Credit Reporting Agency since XX/XX/2022. It is impossible to reach a live agent by phone and sending two letters to them have gotten no response. I have numerous valid accounts that Experian is not showing on my credit report. I have followed the process spelled out on their website to contact my own creditors and have ensured they are reporting the accounts to Experian. They have stated directly that they are and even sent verification letters to me. In turn, I have physically mailed my request to investigate to Experian along with these copies from creditors. I have gotten no response by email, mail, or phone. Due to the fact that Experian for some reason is not reflecting these accounts on my credit report, I am having issues with employment credit checks and not meeting their employment standards. The main issue is I am unable to reach anyone at Experian to investigate, despite my 5 month long attempt by mail, email, or phone. This is unacceptable.

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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
: ADVERSE ACTION DATED XX/XX/2021 Recently, I XXXX XXXX XXXX was denied an extension of credit by Bank Of America. On around XX/XX/2021, I applied for Small Business Credit Card. XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( C ) and you assume civil liability pursuant 15 U.S. Code 1692 ( K ). Bank Of America has violated my federally protected consumer rights : 15 U.S. Code 1642 15 U. S. Code 1681M 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Bank Of America should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

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 2022-06-22 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: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX, PREFERRED LEASE Account # XXXX, 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 instruction
s

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 2022-06-22 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, 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 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
on. for 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 XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$8900.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-06-22 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: NC

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

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

15 U.S.C. 1681 section 602 A Section 2 : It 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 2022-06-22 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: NC

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

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

15 U.S.C. 1681 section 602 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 2022-06-22 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: OH

Complaint narrative:
I recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - Experian, XXXX and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.

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 2022-06-22 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: OH

Complaint narrative:
I recently noticed that my credit report contained what looks like a car from XXXX XXXX This is not my car, period. I also tried reaching out to XXXX - XXXX, TransUnion and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.

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 2022-06-22 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: OH

Complaint narrative:
I recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - XXXX, XXXX and Equifax- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I closed my constant credit line in late 2021 The account is still showing open. I have tried calling but have been unable to reach a resource who can help. Hold times are 30+ minutes. Ive tried going in the XXXX office and they tell me the account is closed and there is no further action needed. However my most recent credit report still shows it as open.

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 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My complain is against Wells Fargo Bank Wire Transfer Department. 
I made an overseas wire transfer using online services on XX/XX/2022 with expected delivery date of XX/XX/2022. Following the online wire transfer, I called Wells Fargo Banker to verify whether additional information is needed and was told no additional information was necessary. After several phone calls to inquire why the transferred amount of {$7000.00} was not delivered to the recipient, I received an email on XX/XX/XXXX requesting additional information on a note I included in a comment section of the wire transfer form. I was told the request came from the compliance department. Following my response, there was another request for additional information which I responded. The third request for information countered my previous response in which I was asked to provide an official justification for my response which I sent on XXXX XXXX. Since my last communication, I have not received my money. Considering the delay in the delivery of funds to the recipient, I requested for a cancellation of the wire transfer on XX/XX/XXXX but the money has not been returned to my account. 

As a retired veteran in need of school supplies and lodging for their college, I need this the money returned to my checking account for their expense. My wife and I are experiencing financial hardship caused by the delay in getting back our {$7000.00}. 
Thank you in advance for the assistance. 

Wells Fargo Case 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 explanation