vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, My self XXXX XXXX and XXXX XXXX, we were offered help from Wellsfargo and now they are adding and increasing our Balance on current mortgage, rather than supporting during covid they have added more balance on our mortgage. We only have one home and need in help. My Contact 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is reporting information that has not been validated, nor have I received any disclosures or information about the investigations that were supposedly taken before this inaccurate information was reported to my credit file. 

Pursuant to the FCRA ; the banking system is dependent upon fair and accurate credit reporting. Experian is being unfair by not reporting accurate information about me which would lead creditors to believe I am not trustworthy. 

Furthermore, per the FCRA, ( 15 usc 1681 ( b ) ) ; consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR AND EQUITABLE to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this title. 

I have been violated, once again by this consumer reporting agency, yet I have not received any equitable considerations. Instead I have been forced to continuously take damages and injuries. My credit file has taken damages, which is inconveniencing as well as lowering my confidence to do commerce with banks who uses credit scoring systems to determine my creditworthiness. 

I have not consented to any of these inaccuracies being reported because they are not fair and equitable to me. 

I have not given my expressed consent to anyone to make reports about me that are false and misleading, and Experian has never given me the option to opt out of my information being reported to their agency. I am now requesting that this agency allow me to opt out of information being reported to their agency about me without my expressed written consent to do so.

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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Every time Square processes a credit payment it sends a receipt to a mobile phone not associated with me. The person who receives my receipts has contacted me to inform me of the issue. 

I have contacted Square XXXX times and each time have been told the matter is resolved. It is not. Furthermore, since I do not have a direct relationship with Square it is EXCEEDINGLY difficult to contact someone to help with this. Each time Ive succeeded in reaching someone the same outcome results : Im told the problem is fixed and yet its not. 

It seems that any data collecting payment processing entity should be deemed to have a direct customer relationship at the point where it makes an association with that customers data. And should therefore be required to maintain an accessible customer service capability that gives said customer ( me ) the ability to correct mistakes. 

It can not be acceptable that Square can continue to associate my spending data with a mobile phone that has nothing to do with me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A 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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On my Wells Fargo account, whenever I buy groceries at XXXX online, XXXX puts the cost of the items on a hold status in my account to ensure the funds are available. This is a standard business practice. Wells Fargo refuses to update their transaction processing and debits the amount twice, especially when I am low on funds so they can collect an insufficient funds charge. I have complained about this practice 4 times to their escalation department and even in person at their local branch. Every time I am promised an answer and never receive an answer. All they say is " there are no laws concerning how fast or accurately they process transactions. ''

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 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The theft occured in XXXX An XXXX account was opened in my name, spent to the limit then left for me to pay. I called the company and told them this was a theft and not my account. I opened up a page on XXXX, sent XXXX a letter and am still getting bills and it still shows up on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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 ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent if 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 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: NE

Complaint narrative:
Well on credit karma on my Transunion it shows I have XXXX hard inquiries starting from, XX/XX/XXXX to XX/XX/XXXX. These hard inquiries are really holding my XXXX XXXX down.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had a mortgage with Wells Fargo Home Mortgage ( XXXX ) since XX/XX/XXXX. Without my knowledge or permission XXXX stopped withdrawing my monthly mortgage payments from the XXXX XXXX XXXX XXXX even though there was money in the account. It then transferred my mortgage to XXXX XXXX XXXX XXXX, which is basically a collection agency. 

XXXX XXXX XXXX XXXX insists it sent notifications to me but I never received anything about this change via the XXXX. I do not have a computer and do not have access to one. My sister found out about the transfer when she called the XXXX XXXX XXXX XXXX in XX/XX/XXXX. By that time, my property was about to be foreclosed. My sister paid the past-due amount of {$3300.00} to stop the process and set up a monthly payment plan to stop the foreclosure.

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 2022-12-20 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: IL

Complaint narrative:
I sent these credit agencies a certified letter about the inaccuracies on my credit report and XXXX, XXXX and Transunion Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX However I still found that the same inaccuracies on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: IL

Complaint narrative:
I sent these credit agencies a certified letter about the inaccuracies on my credit report and XXXX, Equifax and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX However I still found that the same inaccuracies on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm processed the Loan for {$390.00} - The loan should have been for {$310.00} Affirm needs to adjust the loan for {$79.00}. My XXXX order total to {$310.00} Attach is my XXXX Final Details for Order # XXXX My e-mails with Affirm The Affirm loam agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was wronly chrged thousands of dollars in overdraft fees around 2007. I request to be made part of the recent Wells Fargo $ XXXX settlement.

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 2022-12-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX I request for this to be removed from my credit history due to fraudulent charges and incorrect dates listed. 

1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) account number : unknown WELLS FARGO CARD SERVICES | XX/XX/XXXX Summary Report Date : XX/XX/XXXX Review this summary for a quick view of key information contained in your XXXX Credit Report. 

Report Date XX/XX/XXXX Credit File Status No indicator on file Average Account Age 6 Years, 6 Months Length of Credit History 11 Years, 4 Months

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOME ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX TRUSTEE, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXXXXXX XXXX  FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR FIRM REPRESENTING XXXX XXXX XXXX, XXXX, XXXX OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission 1. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


2, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION XXXX  XXXX, XXXX WAS THE OWBER OF XXXX XXXX XXXX XXXX JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/

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