vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent Transunion a dispute letter ( certified mail ) on XX/XX/XXXXXXXX  requesting to look into some disputes. My request was not fully looked into. I never received an updated report of all disputes. I send that same dispute request on XX/XX/XXXXXXXX  its still pending. I decided to call today XX/XX/XXXXXXXX  and spoke to XXXX. XXXX stated they have not received any type of documentation from me and there was no pending disputes. I continued to tell her I have certified documentation showing they signed for it and on my membership with Transunion, I could physically see 1 dispute. She then transfered me to a supervisor named XXXX. XXXX refused to look into the inqury disputes. I have tried to reach out to creditors and have gotten no where and wanted transunion to investigate these disputes and they said they don't investigate inquries. They are the reporting agency and are suppose to report accurate information and if not accurate to investigate but they refuse to do so. He also told me that if I contact the creditor and don't receive a deletion notice then my other option is to leave them on my credit for 2 years. He also mentioned a FTC report but I don't feel comfortable reporting an unrecognized charge as a fraud charge without it being verified/investigated first. I only requested transunion to investigate these inquries for accuracies and they refused.

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 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed 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 2023-05-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed 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 2023-05-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX Capital One XXXX Capital One XXXX XXXX, VA XXXX XXXX my right by closing my account PLATINUM Account ending in XXXX and NOT telling me or giving me reason why it was closed or an opportunity to fix. 

if i pay balance i lose because my credit profile will be super negative. 
if i pay i lose because they closed my account. 
it is better for me to have an unpaid balance or charge off than to do business with company. 

Capital one XXXX Capital One XXXX XXXX, VA XXXX is FORCING me into poor credit and poor credit score and poor credit profile.

This is OPPRESSION as stated in the constitution ''The fourteenth amendment to the Constitution considered : the right to pursue any lawful trade or avocation, without other restraint than such as equally affects all persons, is one of the privileges of citizens of the United States which can-not be abridged by state legislation.

Remember that the pursuit of happiness, in the Declaration, is not a quest or a pastime, but " an unalienable right. '' Everyone has the right to actuallybe happy, not just try to be happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX we were having trouble keeping up on top of our bills and called Wells Fargo to see about applying for the Affordable Housing Mortgage. Because we were not behind on our payments at that time Wells Fargo instructed us to stop paying our mortgage and call back in 3 months to get the process started as we needed to be behind 3 months before they would help. We stopped paying our mortgage for 3 months and called again. They sent paperwork for me to complete and fax to them. I had faxed this information several times, in which they said the paperwork was old and that I needed to send this information again. This went on for months. In XXXX of XXXX Wells Fargo stated that we were not denied the modification and because we did not send in the paperwork they foreclosed on us. I saw in XXXX that Wells Fargo had been found to have illegally foreclosed on home owners and they had sent out money to those that had been impacted. Because I had not been contacted by them, I reached out to them and asked Wells Fargo for documentation. They have sent me documentation with very conflicting information. They say I was not in contact with them, but they have call records that state I was. They said they made several attempts to reach me regarding documents needed without success, however they have records again of me being contacted and receiving the information they needed on time. They state they have done nothing wrong, even though the paperwork says otherwise. I then saw that Wells Fargo again was made to pay people for wrong doing and again I have not been contacted by them. Please see attached documentation.

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 2023-05-17 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened I claim against my Landlord for violating my lease agreement and unlawful put me and my child out of my apartment. I submitted a claim to Wells Fargo to get back my deposit. Wells Fargo failed to process my claim for llock of documents, but at no time Wells Fargo contacted me for Documents to support my claim. I filled this claim on XX/XX/2023 by XX/XX/XXXX according to the Wells Fargo banker they closed my claim without contacting me. I were sending emails saying that the claim was still being processed. I called on XX/XX/2023 around XXXX XXXX on a recorded line, and the banker told I lost the claim for not sending documents, documents that they didn't request.

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 2023-05-17 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: TX

Complaint narrative:
Hello, XXXX XXXX has reported 8 late payments on my account. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : 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 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

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 2023-05-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

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 2023-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My son passed away and I have been trying to communicate with CHIME for over a week There is no one available to speak directly to. Each email I receive is from a different " person '', various names. The email instructions are to upload death certificate and my ID which after SEVERAL " links '' sent I was FINALLY able to do. Additional instruction said to also provide address where you want any balance to go to AND it doesn't allow for you to provide! There has been no confirmation email sent so I have no idea IF it's being processed OR in limbo. The phone # associated with CHIMES was just as useless. I'm already dealing with stress and XXXX and at XXXX find this all too frustrating. I'm trying to do my best to put my sons affairs in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have reached out to XXXX XXXXXXXX XXXX, Transunion, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows 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

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 2023-05-17 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: FL

Complaint narrative:
Experian, Please see attached complaint letter- it is to remove wrong addresses on my credit report. 

Thank you

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 2023-05-17 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: LJ Ross Associates
State: NY

Complaint narrative:
I'm a resident of XXXX, NY- and a Notary. To hold the Public Office I must reside in NY, I've attached my Notary Certificate. Look at any bank statement or credit history and you can see everything happens in or around XXXX, NY. I called and said the debt was not mine. I'd like this removed from my credit score and there are already 2 investigations by XXXX and XXXX I've started, but this will take up to 30 days. I'd like this resolved faster because my rights have been violated. I never was given an opportunity to dispute the debt before sending to collections, even though I contacted the Company. This also ruined my perfect credit score with 100 % payments on-time for 20+ years. The collection agency never contacted me ( L.J. Ross ), I contacted them after they hit my credit score by over 40 points without verifying the debt, and even admitted they made a mistake when I spoke to a manager. They said they called me 4 times after I left them a voice mail and instructed them to call my cell phone number. The manager I called on XX/XX/23 admitted the notices were mailed to the wrong address, and the calls were made to the wrong number even though I provided the correct number in my voice mail. He admitted the fraudulent number was contact area code XXXX XXXX XXXX even though I said to call my number area code XXXX XXXX XXXX He ever said he would talk to the employee about this issue and reprimand them. Proof again I never was given an opportunity to validate the debt- the Manager admitted things were not done right and I was a victim. He also said he could tell this was fraud but could not do anything without XXXX 's permission. I'd like to share this as negligence and violations of the fair credit/report act. Also the people I talked to before management at L.J. Ross were very rude and I'd like an apology from that Company, the Manager/Supervisor at L.J. Ross was very arrogant XXXX was negligent in multiple ways.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
I have incorrect items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian, XXXX, and XXXX are reporting a debt from XXXX XXXX XXXX the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.

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 2023-05-17 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:
Hello, XXXX XXXX has reported 8 late payments on my account. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SC

Complaint narrative:
Complaint about the US Bank Security/Identity Verification checking procedures. 
I live in SC. Someone went into a US Bank in XXXX, IA. This person only had a drivers license ( which was not original ) and the last XXXX digit of my savings account #. They did not have their phone with them or their bank card. So with only a drivers license ( which the license was ran through a scanner at the bank which verified the licensed ) ( which was a fraud license ) the person was able to withdraw over {$31000.00} out of my savings account. Only one form of ID was obtained, ( out of state drivers license ) and only had 4 digit of an account #. 
The person got {$7400.00} in cash and had the bank do 3 cashier checks with the other XXXX monies and walked out the door.

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