vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
XX/XX/XXXX I reached out to XXXX and informed the representative I had been laid off due to XXXX. I was informed to send the documents showing the layoff in which I did. The representative also stated my loans were on a deferment plan. In XX/XX/XXXX I received an alert from my bank indicating XXXX had reported me 90 days late on my credit report for each loan. I reached out to XXXX on several occasions to dispute this lateness. I was told by a representative from the solution department that the requested document that I sent was never received and the late payment could not be removed. Please note I sent documents via email to XXXX lately and the representative did not receive those documents. 

I strongly believe XXXX could have pardon this late payment after realizing I had never been late on my loans before. If the representative didnt receive the documents could someone have reached out to me prior to reporting my loans late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX failed to provide me with statements, XXXX XXXX replacement and also updated the address from XXXX to XXXX. 

My XXXX XXXX eas canceled alone with check and other identifying documents. 

The company constantly reported me late and took advantage of the adverse situation. 

Rather to rectify the issue they keep sending generic letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX failed to provide me with statements, XXXX XXXX replacement and also updated the address from XXXX to XXXX. 

My XXXX XXXX eas canceled alone with check and other identifying documents. 

The company constantly reported me late and took advantage of the adverse situation. 

Rather to rectify the issue they keep sending generic letters.

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 2023-06-16 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: DriveTime
State: TX

Complaint narrative:
I noticed that 3 inquiries from XXXX to XXXX for XXXX XXXX have opened accounts for credit cards that I dont have and never got approved for with my knowledge. As well as a XXXX DT Credit which I dont know what or who that is either. If someone could please help me figure out whats going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
On XX/XX/2023 a debt validation letter was sent to XXXX XXXX disputing the charges they've illegally placed on my credit report. XXXX did not verify my claim and update the account information on my credit report. 

This is a violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete the inaccurate information 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
After submitting a request for an investigation via postmail, I received an email stating that they could not verify my information although identification documents and proof of address was provided. This is a clear attempt to stall my investigation request. 

" We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. ''

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 2023-06-16 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: OK

Complaint narrative:
Received notification from my credit report monitoring service that someone had fraudulently applied for a line of credit with XXXX XXXX XXXX. This was not me. I contacted XXXX XXXX XXXX and told them it was fraudulent and I also contacted my credit monitoring service. The name and ssn were correct but the address utilized was completely incorrect and I know no one at that address or even in that state.

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 2023-06-16 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: OK

Complaint narrative:
Received notification from my credit report monitoring service that someone had fraudulently applied for a line of credit with XXXX XXXX XXXX. This was not me. I contacted XXXX XXXX XXXX and told them it was fraudulent and I also contacted my credit monitoring service. The name and ssn were correct but the address utilized was completely incorrect and I know no one at that address or even in that state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: OK

Complaint narrative:
Received notification from my credit report monitoring service that someone had fraudulently applied for a line of credit with XXXX XXXX XXXX. This was not me. I contacted XXXX XXXX XXXX and told them it was fraudulent and I also contacted my credit monitoring service. The name and ssn were correct but the address utilized was completely incorrect and I know no one at that address or even in that state.

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 2023-06-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a XXXX XXXX system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified XXXX XXXX immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.

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 2023-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not believe Experian is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from 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 2023-06-16 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am sending this complaint in regard to the following, account JCPMB Card. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: FL

Complaint narrative:
I tried several times sending Equifax an FTC report about fraudulent inquiries on my credit report and those inquiries are still there : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, I fell victim to a fraudulent XXXX company using XXXX XXXX XXXX to collect wire transfers. I am writing to your bank because the transactions were made from my Bank XXXX XXXX XXXX ) for a total amount of {$30000.00}. I have decided to contact you, who is the recipient of these transactions to carry out due investigation and apply due laws according to such transactions. 
Ill also like to indicate that these transactions were made under the influence of deceit and ignorance. It was never my intention to make transactions with scammers. This transaction made was influenced by the scammers. I am not a party to the contract and have not agreed to the transactions made in question, since no real service or investment was supplied to me by XXXX company via XXXX XXXX XXXX. I had to complain to you too as the recipient bank because I believe and also as stated in chargeback law that the recipient bank should be contacted in cases like this. If your bank could have known that this act could be a fraud, why are you without informing me or my bank it could be a fraud, whether there are any mechanisms to protect or check the recipient, or do transactions leave without any verification? Based on the above information, I still have doubts about the bank 's actions, because they had the authority to open this case and try to at least request funds from the fraudsters account. But it's also important to note that there are additional reasons why the bank should take the case. 
Firstly, because the transactions should be considered fraudulent because the amount was much to be deposited in such a period. Secondly, the transactions that were made are clearly fraudulent and should have been properly screened for fraudulent. I hoped to get help from you like any other customer who has the right to receive their money sent from a bank account to receive goods, services, or to pay for something. The wire transfer ID was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 I was subjected to fraud. And for 3 months Wells Fargo kept constricting access to my online account. But on XX/XX/23 XXXX identified me and said that Wells is not going to shut me down. She identified me via phone and told me that I did not have to go to a branch in XXXX, CA, XXXX miles away. Wells Fargo has been going back and forth for 3 months, and just like 4 days ago XXXX said that Wells Fargo is not going to shut me down. But then today I logged into my online accounts and all of a sudden, my checking accounts a XXXX and indicates that my accounts are closed. Wells Fargo just sent me an email indicating that " YOUR NEW STATEMENT IS NOW AVAILABLE for my checking account ending in XXXX. And then Wells Fargo indicates on the email that : '' If you have questions about your account, please refer to the contact information on your statement. For questions about viewing your statements online, Wells Fargo Customer Service is available XXXX hours a day, 7 days a week. Call us at XXXX '' I then just called the number and was transferred to XXXX, and I asked her why I was being shut down when XXXX said was not? XXXX would not explain to me and I asked her please tell me what I've done wrong? She then said, we don't have a reason to closed customers ' accounts, because banks have the prerogative to closed accounts. But then when I started asking her that how can banks close accounts if it's illegal, due to no reason? She then said, since, we don't have to have a reason and you're wasting my time and then she hung up on me! My other checking account is a checking trust account for my son 's direct deposit, but it didn't matter to Wells Fargo. And to change banks for a trust checking account, it takes the XXXX 2 months to make the change to a new bank. I also asked XXXX, then what's going to happen to my balances, she said, " we'll just send you a cashier 's check. '' And she hangs up on me. Wells Fargo is not only illegal, but they are also rude and hurt so many customers and even employees. therefore, Wells Fargo is being sued by many customers, ex-employees and class action lawsuits. Wells Fargo doesn't care not even for themselves! Not even if their are being sued and have been penalized for billions of dollars. They discriminate XXXX senior citizens. They have such record, but it does not matter!

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 2023-06-16 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: Goal Structured Solutions, LLC
State: NV

Complaint narrative:
Launch Servicing LLC is reporting that I took out a Student Loan. I did not. what they are reporting is a shared income agreement that I made with XXXX XXXX. This is not a Student Loan but they are reporting it as if I borrowed money and I did not. I agreed to pay XXXX XXXX some of my income but only if I make over a certain amount per year and I do not make that much per year so I do not owe anything at the moment. I never borrowed any money. It says right on the top of the contract " THIS IS NOT A LOAN OR CREDIT '' but they are reporting as though it is. I attempted to dispute this with the credit bureaus but they said that to reporting party certified it was accurate. That is not an investigation at all. I did send them the contract that said this is not a loan or credit but they seem to ignore that factor and they still have it reporting under Student Loan. Since this is not credit or a loan its does not fall under the same consumer laws. It should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My card was lost/stolen and unauthorized charges we applied to my balance. I have tried to contact bank multiple times but I keep getting disrespected. I am a XXXX and need my medicine to stay alive and the bank is forcing me to wait long periods of time when I can't go long without my medication. Please help me please! They don't care about me and I feel failed by the banking system. If i don't take my medicine in the next 3 days it can be very detrimental to my health. I Deserve to to be treated fairly please treat me fairly

Company response to consumer: Closed with monetary relief