vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Related to previously filed complaints ( # XXXX XXXX AND XXXX )... 

After jumping through a bunch of hoops to RESET my password, I STILL can not access my CREDIT FREEZE information, VIEW/SAVE/PRINT my current credit report, SUBMIT DISPUTES... ANYTHING! I can't DO ANYTHING on this piece of XXXX website of theirs. 

I am FAR BEYOND FED UP with TransUnion and its utter NONSENSE! TransUnion is the ONLY bureau that is absolutely impossible to access, and I'm OVER IT! 

I DEMAND a FREE COPY of my CREDIT REPORT to be MAILED to me at the address on-file. I also DEMAND the ABILITY to submit DISPUTE documentation WITHOUT some convenient ERROR MESSAGE. 
I have DISPUTE INFORMATION to submit to these IDIOTS regarding a DISCHARGED BANKRUPTCY DEBT that's holding up a prospective EMPLOYER 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 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did not open the accounts.

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 2023-02-01 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: DC

Complaint narrative:
My Equifax Report XXXX score was XXXX. I have not made any hard inquiries and nothing has changed on my account. The other Bureaus gave me a Good score and it has not changed. For no reason in 24 hours they dropped it from Good ( XXXX ) to Fair ( XXXX ) for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX on XXXX XXXX. The person ( XXXX XXXX ) messages me interested in the item. They wanted to send me money through XXXX but, said that when they sent the money it requires them to send an extra {$500.00} due to me not having a " XXXX XXXX Account '' so I would have to send them back {$500.00}. being unfamiliar with XXXX and in a hurry because I was doing this while at work I assumed this was something legit and went ahead and sent them {$500.00} through XXXX XXXX XXXX was the name on the XXXX account ) so I could finish the transaction. 

After I sent the transaction I got a notification from my bank chase that the payment would be under review before it would clear so I called them to make sure the payment went through when I informed them about the situation they told me it was a scam based on the details. since the payment didn't go through yet I tried to get it canceled and they said that since I called right away that the payment was able to be stopped since it was still under review yet an hour later the payment actually did go through on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CA

Complaint narrative:
Over draft fees even tho I had money

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX, MD XXXX, the vehicle was financed through Prestige Financial Services located in XXXX XXXX XXXX UT. The dealership took my XXXX XXXX XXXX as a trade in and gave me {$6000.00} minus {$2200.00} ( {$3700.00} remaining ) which was paid to the lien holder of the XXXX XXXX and the rest was applied towards the downpayment for the above mentioned vehicle and also asked for an additional {$1800.00} in cash which was paid and applied to the downpayment. {$5500.00} was applied as my downpayment. On XX/XX/XXXX I sent XXXX XXXX a Right of Rescission Affidavit made in Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions. I also notified them that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which put XXXX XXXX in direct violation of the law. XXXX XXXX also accepted a CASH downpayment of {$1800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Last payment received on XX/XX/2023 but they reported it as currently delinquent as on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
Wells Fargo wrongfully closed my checking account after I was a victim of check fraud. They overdraw my account by over 2000 dollars and then the same day informed me they were closing my account and gave me no option to change the outcome of the situation. I know this to have been a regular occurrence across their bank and their dealings with other customers who have also fallen victim to similar scams. This is outright victim blaming and abuse.

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 2023-02-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Some one use my information to apply fir credit card and fill for loan i need fill dispute and remove the inqurei

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 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX and on XXXX XXXX I got paid also my money got took out my bank account by someone I didn't know are authorized them to not do.i paid some bills on that day and some of my money got took and transfer over to caspapp that day.the amount of XXXX $ cashapp saying I authorize that XXXX are someone to send my money to XXXX and to a place call XXXX I didn't authorize it someone open an application in my name and XXXX company call it fraud and stop the application I have sent cashapp documents and they will not investigate it just saying the case close because I did try to file a fraud on cashapp they want look at nothing I sent them documents and they just keep saying its my fault that this fraud happen.I don't have a chance to present proof to them cause they saying it's nothing they will do for me I think it is unfair to just say this fraudulent is my fault and didn't look into but a few minutes and sent me an email saying it's my fault. They got it from my XXXX XXXXXXXX bank they reimburse me cause I sent them documents thats proof and they seen it was fraudulent so they close the account and made funds permanently but cashapp want let me close the account cause they say I owe them XXXX $ from fraud activity that XXXX XXXX took back from them, it was XXXX $ the person did the fraud but cashapp got a percentage of the XXXX activity and saying I owe XXXX $ please help me resolve this matter through cashapp cause they want take no documents from me and they also said any suspicious email I get to send it in I did that and they still say isn't anything they can do. I will be sending these documents that shows the iphone went into my account and added they info to steal my information to do this fraudulent transaction and XXXX says it was suspicious, they hack my XXXX account, my XXXX, and my bank to transfer it ti cashapp cause they kno cashapp wouldn't do the work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Had a checking account in 2013 with Wells Fargo and was overcharged with fees for insufficient funds, overdraft fees, and other 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 explanation
Consumer complaint received 2023-02-01 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: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and 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 2023-02-01 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:
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. 

XXXX XXXX XXXX XXXX has violated my rights. 
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  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 explanation
Consumer complaint received 2023-02-01 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:
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. 

XXXX XXXX XXXX XXXX  has violated my rights. 
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 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 2023-02-01 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: BELMONT FINANCE LLC
State: NC

Complaint narrative:
Belmont Finance XXXX XXXX XXXX XXXX both did a HARD inquiry on my credit which I did NOT approve. Both of these inquiries were done on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Someone unlawfully used my information to open a XXXX XXXX XXXX credit card in XXXX XXXX Texas on XX/XX/22. I live in New York. On that same day they purchased {$1300.00} worth of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Department of Education states that my loan was transferred to ( XXXX ) and that any delinquencies would be deleted off of my credit report. I have a letter from XX/XX/XXXX showing these corrections will be made and now we are in XXXX of XXXX and they are still showing on my account. Can you please help in getting these removed from my credit. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CA

Complaint narrative:
I did not authorize the following inquiries on my credit report. They do not belong to me & this I a violation of my rights. 

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 explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-01 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I received California XXXX XXXX XXXX XXXX open card, registered got a pin. Tried to use it. Didn't recognize the pin. tried to call on XX/XX/31 and XXXX Numerous times. Tried to reset the pin. It is a scam you never can get through to resolve any issue. Response, don't recognize your account number etc. Or disconnect you. Or high volume call back later. 

Spoke to a friend who also had the same problem. He XXXX had access to a private cash register ran the card and had to pay the shopkeeper the fee. 

It is XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper pr
ocedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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