vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YOU REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2022-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 4 FTC reports with an Account and inquiries I did not authorize, Please delete from my Experian credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am being sued by JPMorgan Chase for XXXX XXXX XXXX ( one I've had for 30 years ). My husband XXXX XXXX XXXX XXXX XXXX  and I'm on XXXX and we didn't have income for a year during the pandemic. I got behind on my credit cards. I called to see if I could pay {$50.00} a month, and they only wanted the minimum payment. I simply couldn't keep up. They are now suing me for the cards. They have locked me out of my online portal so I'm unable to show the judge the true amount of the debt, which they are exaggerating. Their documentation to the court shows only a one page of a statement ( showing balance of {$26000.00} with a minimum payment due of {$4300.00} and the second card showing {$27000.00} with a minimum payment of {$5100.00} ). They submitted little knowledge of the actual debt details and using their corrupt " robo-signing '' to sign off on the account, which is contributing the the inaccurate claims of debt owed. JPMorgan is back to XXXX practices of filing tens of thousands of lawsuits, while only showing an affidavit swearing the truth of Chase 's claims that is signed by a XXXX  employee with little knowledge of the actual details the accounts. This practice of signing off on paperwork without reviewing any evidence is what they did before - when they promised the CFPB to provide better supporting documentation. The provision against Chase expired in XXXX and here we go again and I'm a victim of their practice this time. I would like more evidence. I am looking at filing XXXX  XXXX bankruptcy because of this situation. I would like to resolve this but there is no one to talk to. I've even reached out to their " attorney '', who was very unhelpful, however stated he would send me documentation to verify/prove ( not the one page document they submitted to court ) I went to initial hearing on XX/XX/XXXX and no one showed up on their end, I denied the accuracy of the amounts and it is now set for pretrial on XXXX XXXX, XXXX. I have talked to attorney general as well, and am seeking help from an attorney. Chase is back to it's dirty games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reason

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 2022-11-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX sends wrong report to credit reporting Bureaus. 
I first noticed it early XXXX due to a XXXX point drop in my credit score. I noticed that because my main credit card ( XXXX  double cash back ) stoped working and when I called them they said my credit limit has been cut in half due to my most recent credit report. 
That was when I noticed XXXX on my credit report and the first time I tried to check on it. they couldnt find anything based on my information. 
I submitted a dispute through XXXX and they took some time but they removed the account from my credit report. 
The second time I tried contacting the credit union was when my XXXX dispute was rejected, and transUnion dispute was rejected shortly after that ( or thats when I noticed ). I was on hold with XXXX XXXX XXXX for another XXXX minutes after already waiting for XXXX XXXX m to speak to the customer representative. Finally he said I appear as a secondary on an account and the account is over the limit. When I told them that is not my account and my information has been miss-used he said to dispute through credit report and hung up. 
I had already submitted several disputes about that account and they ( XXXX and TransUnion ) refused to take it down due to confirmed accurate reported from XXXX XXXX XXXX. 
I would appreciate it if you could please help me in this 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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I and my wife contacted USAA about a check that they told us prior in the mobile app that a hold would be placed on our {$6600.00} check and only {$500.00} would be available for XXXX  days. But they was no way to allow this to clear unless she deposited her check. That was the only way to determine if they could do anything. 
As soon as she deposited it they looked into it and the representative said she could not reverse the decision. I have been fighting tooth and nail to get the funds released early as {$6600.00} for a family of XXXX is quite a bit of money and so far this month our only income. I have not been able to purchase groceries or anything for my family or myself since last Friday. Our bills didnt stop coming and groceries ran out. I took this all the way to the CEOs office and I got stonewalled the entire time. What caught my attention today was that XXXX apparently negative in my account by {$3.00} when I asked the representative today if I wanted to stay in good standing with USAA ( I have XXXX intentions ) but for the sake of argument would that - {$3.00} have a negative impact on my account and she stated yes. So my big question and not only for myself how is it ethical or legal on any grounds to determine an account negative when the consumer has the funds, the funds arent just available due to the punishment or whatever reason there is such a long reason on the funds. Did this happen prior to me? They couldnt answer but I dont see how this is moral or ethical in anyway especially to a veteran that a bank prides itself on helping and being there for when in fact it feels more like its exploiting a certain market. The money will be available on XX/XX/XXXX I find this unacceptable and inhumane. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 reason

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error. 

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done AL TEACHERS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/22 i was scammed by thieves pretending to be wells fargo. Using wells fargos phone number because i tried to call it back and it went to wells fargo, they and broke into my business account and transferred out {$23000.00}. i called wells fargo as soon as i figured it out later that night to try and get them to stop the transaction. I was told to call back in the morning first thing. I did that right when they opened and they told me it was too late. They would do an investigation so i have been waiting for 10 days to hear from them. Today i received a letter in the mail saying that there was nothing they could do and the case is closed. Please i need help this will destroy my business.

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 2022-11-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 reason

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 2022-11-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I used my Wells Fargo online banking to transfer {$1900.00} from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to Wells Fargo Bank. The transfer was successful and posted to my Wells Fargo checking account on XX/XX/XXXX. 

On XX/XX/XXXX @ XXXX I received an email titled, " Bank-to-Bank Transfer Unsuccessful from Wells Fargo '' The email stated the transfer was not successful with a reason of, " XXXX Insufficient Funds ''. 

My first call to Wells Fargo was XXXX minutes and XXXX seconds ( of my time ) to tell me their system shows XXXX 's system rejected the transfer due to insufficient funds. They let me know there was nothing they could do to help and referred me to XXXX. 

I reached out to a family member to loan me money to avoid my mortgage payment being rejected. This caused additional stress and embarrassment. 

I reached out to XXXX  via chat. Their first response to my inquiry was, " I show that amount being withdrawn from your account on XX/XX/XXXX. I do not show record of it being returned. If you would like I can provide you with the trace number that you can give to them [ Wells Fargo ] to research with! '' The representative then provided me with this tracer number. 

I then called Wells Fargo back. This call was XXXX minutes and XXXX seconds ( of my time ). The first representative let me know there was nothing that could be done and that her system was showing it was rejected. I ended up asking for a supervisor. She did not get me a supervisor, but instead, escalated me to her, second level of support. I spoke with XXXX more individuals insisting that I had the money in XXXX and that XXXX was insisting they did not reject it. I offered the tracer number XXXX. Finally, the last individual I spoke to offered to file a research claim. My confidence is low that this will resolve the issue. 

As of today, the money is not in either of the accounts. I would assume it will show back up in XXXX and I will have to spend more of my time to get it back to Wells Fargo due to scheduled payments that will be coming out. 

At this point I do not know if the error was on Wells Fargos end 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 2022-11-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Pursuant to 15 USC 6802 ( b ), the financial institution ( s ) that are furnishing said inaccurate information never clearly and conspicuously disclosed that I have the right for my nonpublic personal information be reoprted to no affiliated third parties, therefore these reports are inaccurate and are causing damages to my personal self, my family, and household. Furthermore, The credit reporting agency never did an investigation with me the consumer to check if these transactions actually took place. Therefore, proper investigations were not met according to federal regulations and these inaccuracies on my consumer credit file are being reported without my written consent to do so. Experian deleted two ( 2 ) accounts that were allegedly investigated and validated, which resulted in the reports being deleted because of their inaccuracies. There is now a debt collection being reported onto my credit file along with a closed installment loan that was deleted and has been placed back onto my file. Experian is being negligent and noncompliant to my requests, as I have been in constant attempts to resolve these matters. I have not received any correspondence from Experian and I have proof to show they removed these accounts from my credit file and have reported them again without the lawful authority to do so predicated upon there being no actual validation of these alleged debts. 

The reports they said they removed have been replaced onto my file and I have taken more injury and damages to my credit file without my written consent or thorough investigations. 

This company has not contacted me and I have not been able to get an agent on the phone to assist me with these matters. I am still awaiting correspondence from Experian, but my file is still taking damages due to inaccuracies being reported without my written consent. 

The banking system is dependent upon fair and accurate credit reports that are equitable to the consumer. These reports are unfair and inaccurate, thus not beneficial to me, the consumer.

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 2022-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Someone tried opening a debit card under my name through a company called Coinbase without my authorization. I am trying to close the account and have this investigated for fraud but there is no way of getting a hold of the company since I am not a customer and am unable to provide them with a valid phone number under the fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 2 FTC report with an account and inquiries I did not authorize, please delete and also update my personal info

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 2022-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX the vehicle was involved in a pedestrian fatality/ suicide. The vehicle was held as evidence from. XX/XX/XXXX to XX/XX/XXXX. My insurance company did not cover damage or any vehicle repairs, the tow company charged a daily fee which is now up wards of $ XXXX, Wilshire consumer credit title loan is XXXX +. The incident has affected me negatively in many ways related to my mental health, finances and overall well-being.

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 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name also violating my right to privacy and consent which I never gave. Refer to documents attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation