vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-15 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
I retained Atty. XXXX XXXX to represent me with the closing of my house located at XXXX XXXX XXXX, XXXX, XXXX XXXX in XXXX. I am the seller. This property was originally purchased by my parents in XXXX of XXXX and transferred to me in XXXX. Apparently, the buyers attorney found a gap in the bridge during the title search going back to when purchased in XXXX. The property when initially purchased was a foreclosure and the company was Household Finance XXXX XXXX Household XXXXXXXX XXXX had a second mortgage on this property. I have found that these 2 entities were subsidiaries of each other and at that time were found to be conducting fraudulent activities and ponzi schemes across the US. The " Household '' was acquisitioned by HSBC in XXXX. For 3 months now, I have tried repeatedly to get this corrected either by quiet title or corrective deed. I am pleading for your assistance in this matter. I am also asking for an investigation, as I feel something seriously wrong has occurred. I would like to see this matter corrected so I can complete the sale of my home. I purchased a new home in XXXX  4 months ago and need to close on my house in XXXX. It has caused both myself and the buyer additional expense and I need resolution. Also note, I have requested to speak with Attorney XXXX and have yet to receive a phone call, my questions go unanswered and he has not responded to the buyers attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
in according to fair credit reporting act XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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 2022-03-15 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: GA

Complaint narrative:
Information reporting on my credit profile that i am not aware of, and it's report without my authorization which is a violation of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Do to the fact that on going complaint and in unauthorized inquirys 2 of them from Capital One dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 2. XXXX/DEPT OF ED 3. XXXXDEPT OF ED 4. XXXXDEPT OF ED 5. XXXXDEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 2. XXXXDEPT OF ED 3. XXXXDEPT OF ED 4. XXXXDEPT OF ED 5. XXXXDEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NY

Complaint narrative:
Credit Monitoring Company XXXX XXXX is reporting on my Equifax Profile XXXX XXXX XXXX XXXX that my paid in full XXXX  XXXX  account with zero balance Is at below 100 % with payment history this is wrong. It's payed no outstanding balance 2. XXXX XXXX reports on Equifax accounts has fraudulently stated that falsely that remarks are added and there are no remarks for XXXX XXXX Bank account XXXX 
3. XXXX XXXX on reports on Equifax that account XXXX  XXXX Bank pays on time and the account is paid in full and not open nothing to pay 4. XXXX XXXX  is reporting XXXX  XXXX  XXXX Bank in different areas on the Equifax report.

5.XXXX XXXX is reporting XXXX XXXX XXXX  XXXX XXXX account . 
XXXX XXXX on Equifax reports XXXX XXXX account missed payments but the account is paid in full zero balance. How can this be? XXXX XXXX reports payment history at 87 % and it should be 100 % This account is paid not a revolving accounts and the account has no added remarks its just being reported fraudulently.

6. Finally XXXX XXXX Bank is being reported as paid on time XX/XX/2022. This account is paid in full no further payments made account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NV

Complaint narrative:
Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit

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 2022-03-15 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: NJ

Complaint narrative:
I noticed multiple accounts and inquiries on my report I do not recognize

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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:
in according to fair credit reporting act XXXX, account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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 2022-03-15 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:
in according to fair credit reporting act XXXX, account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On approx. Tuesday the XXXX of XX/XX/2022 while relocating me and my daughter from XXXX XXXX XXXX XXXX with a move to our new home I called Wells Fargo to make sure that the {$250.00} dollars in my account were cleared funds left over based on my debit card usage for the move. Wells Fargo started yes if I use them my account will not have any type of negative funds in my account as in no I would not have an overdrawn account. 9 YOU CAN REQUEST THE CALL FROM WELLS FARGO CONCERNING ME ASKING THIS VERY QUESTON AND THE WELLS FARGO REP STATING THERE WOULD BE NO OVERDRAWN ISSUES WITH ME USING THIS AMOUNT OF {$250.00}. I asked the Wells Fargo Customer Service Rep several times to check all charges on my account before I use the funds for gas and hotel fees me and my daughter needed for the relocation move which we were in the process of from XXXX XXXX XXXX. After the Wells Fargo rep verfied and confirmed my checking account was in good standing and no overage would occur if used the funds for the trip fees in hotel and gas to get us to XXXX  I then proceeded to use the funds for our trip. The next day my checking accout began overdrafting and Wells Fargo through their deception caused my checking account to have fees of $ XXXX as of me filing this complaint. Wells Fargo then attempted to coerce me into signing up for overdraft protection, I did not do so because its a trap to run up even more fees that I can not afford since I get SSI at {$840.00} a month. Wells Fargo, due to its false information. is trying to collect {$310.00} from me based on their success at making me believe I had money in my account that was not there. I should not have to pay any of these fees based on false information given to me by Wells Fargo concerning my checking account. They do this to make money off of account holders.They act as if items have cleared and we as consumers see them as cleared on our accounts and in my case even had a Wells Fargo rep VERIFY THEY ARE AVAILABLE AND NO PENDING CHARGES FROM OVERDRAWN WILL OCCUR. Then Wells Fargo puts the same items back on the account which then overdrafts the account causing undue charges. You can see the text messages I received from Well Fargo account information concerning the {$250.00} available, then the overdrawn charges added later.

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 2022-03-15 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: CT

Complaint narrative:
On XXXX I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded on XX/XX/2022 with a letter stating they verified the item through XXXX XXXX. I wrote to XXXX XXXX on XXXX XXXX to dispute this item in question and XXXX XXXX could not verify this item so they deleted it and removed it from their database. 

I wrote Equifax another letter on XXXX XXXX and provided them with the deleted Bankruptcy from the XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needed to be deleted according to the FCRA. On XXXX XXXX they replied back and have once again refused to delete this item which is effecting my ability to get favorable interest rates on auto loans and credit cards causing me to pay thousands more in interest every year. 

This item needs to be deleted and removed from my credit report if it can not be verified within thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoan has missing paperwork from when my student loans were transferred from my previous student loan servicer, XXXX. Ive asked for this information many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NY

Complaint narrative:
Credit Monitoring Company XXXX XXXX is reporting on my Equifax Profile XXXX XXXX XXXX XXXX that my paid in full XXXX XXXX account with zero balance Is at below 100 % with payment history this is wrong. It's payed no outstanding balance 2. XXXX  XXXX reports on Equifax accounts has fraudulently stated that falsely that remarks are added and there are no remarks for XXXX XXXX XXXX  account XXXX 
3. XXXX  XXXX on reports on Equifax that account Open XXXX XXXX pays on time and the account is paid in full and not open nothing to pay 4. XXXX XXXX is reporting XXXX XXXX XXXX XXXX in different areas on the Equifax report. 
5.XXXX  XXXX is reporting XXXX XXXX XXXX  asr revolving account XXXX 
XXXX XXXX on Equifax reports XXXX XXXX account missed payments but the account is paid in full zero balance. How can this be? XXXX XXXX reports payment history at 87 % and it should be 100 % This account is paid not a revolving accounts and the account has no added remarks its just being reported fraudulently. 
6. Finally XXXX XXXX XXXX is being reported as paid on time XX/XX/2022. This account is paid in full no further payments made account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around XX/XX/XXXX I applied for a secured credit card by Capital one, however I was denied and wasn't charged. However today, XXXX XXXX 2022 they charged me {$200.00} for the card I was denied for and are saying they can't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There are charges on my checking account from XXXX XXXX XXXX and charges made by Chase bank. This has been occurring since I opened accounts with Chase and XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal information is wrong as well as accounts listed with incorrect factors across all 3 bureaus

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information is wrong as well as accounts listed with incorrect factors across all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Purchased prepay phone service from XXXX in XX/XX/2022 phone service did not work good in my area so I didn't purchase another prepay card, called XXXX to release my phone number so I could connect to XXXX prepay service, XXXX XXXX XXXX I received a letter from Convergent Outsourcing, XXXX for XXXX and XXXX on XXXX demanding XXXX or they would send me to the credit bureau, I've spoken with XXXX both times after receiving the letter and their response is to just disregard the letter because they don't send paper statements out, but the letter states that by XXXX they would place it in collections, is this legal and can they get away with ruining people 's credit for monies they don't owe, remind you it's prepay service i never sign a contract with XXXX  or 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
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I have 3 student loans late have been reporting negatively on my credit report since XXXX. & XXXX. I consolidated these loans and they are still reporting negatively. This has affected my life horrifically and has caused substantial hardship. I am requesting that to have this information removed from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
we bought new furniture at XXXX XXXX 12 months interested free was paying on it for 11 month all auto payments payments came out on the 5th of each month like clock work, when it came to the 12th payment all of a sudden the payment could not process and then Well Fargo add all kinds of fees.

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