vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a dispute of transactions that were NOT approved by me or done by me or any authorized user of mine which is only me. The Wells Fargo claim number is : XXXX totaling {$12000.00} which was denied. I appealed and it was denied again. This is my HARDWORKING money that I need back. Wells Fargo claims in the appeal denial that it was authorized by me or someone authorized to use my account. This is 100 % false. I never in fact did any of these transactions. Im not sure what else to do to hopefully get my money back so this is my last resort. I will also be changing banks from now on if this does not get resolved with them.

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 2023-05-10 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: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: PA

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 explanation
Consumer complaint received 2023-05-10 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: MD

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. The companies involved responded, some items got deleted but most of them are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I started XX/XX/2023 disputing the incorrect display of my name and address to Transunion and XXXX. They sent back a stall letter but never corrected the information on my 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 non-monetary relief
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX listed below has violated my civil rights. List of accounts that need to be removed asap : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. The companies involved responded, some items got deleted but most of them are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-10 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: MD

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. The companies involved responded, some items got deleted but most of them are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-10 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: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-05-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On my XXXX  credit report there is an open American Express account with an outstanding balance of XXXX dollars which i have no idea what this is, i called American Express and they said i dont have any open accounts with that amount, i have never received anything on the mail or by email, i opened a dispute with XXXX  and they said the information is accurate but American Express does not see anything in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, this account has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer plan as late for any purpose. 

I request that the late payments associated with this account be removed or the closed account be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXXXXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.

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 2023-05-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 

Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX XXXX XXXX XXXX opened XX/XX/XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as closed charged off DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance how can a charged off balance be at XXXX as of XX/XX/XXXX to Equifax which is violation of the FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN TWO OR THREE DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for XXXX XXXX, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Eqifax This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 

I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-10 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: AL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Name - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Dire Violation of The Fair Credit Reporting Act ( Vystar Mortgage Acct Number XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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. 1666B : A creditor may not a treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under 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 explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Last year and I got into an accident at the end of XXXX I got my car from XXXX in XXXX at the day after XXXX the accident happened XXXX until XXXX in the morning time lady ran a stop sign and she ran into me she was in a rental car and I was on my way to work my car was still running so they wanted me to take it to the body shop to get fixed. 

So they set me up appointment to take it to the body shop took it to the body shop it been in there for 45 days 43 days it supposed to be in there only for 40 days but the parts took a long time to get back so when they did get back they start taking off the parts and they seen that the shaft the arm shaft the XXXX holes up the engine frame the hood frame was bent so they deemed as a total loss I lost my car that day when he said that but I haven't been in compensated from actually getting a new car they just paid my car off {$12.00}, XXXX. 

Ever since then I've been calling XXXX I've been calling the department to ask them why they is that showing on my credit like that that's a lot of money y'all paid the car off y'all paid it off early for me I'm supposed to pay it off at 6 years with that happening I ain't got paid off in less than a year so every time I try to actually don't call around and look for a car it's still showing that it's still my credit on the site because it is still marks me as me having the car they want me to trade the car in for something else but I don't have the car no more so I'm asking you can y'all please help me resolve this and get this off my credit cuz this is the biggest loan that's hindering my credit and I got others I'm trying to get off as well

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 2023-05-10 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:
THESE ITEMS IN MY CREDIT REPORT FILE ARE UNAUTHORIZED ALL IS BEING INVESTIGATED BY THE FTC. THE FOLLOWING INQUIRIES ARE ALSO UNAUTHORIZED. 
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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
The company put a hard inquiry on my credit and is trying to deny me credit based off of my credit history. 

The customer service rep stated that it was because of me owing child support. 

Call made XX/XX/2023 @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX wasn't XXXX I was to rent bldg XXXX prorated rent for XX/XX/XXXX XXXX wasn't ready to rent requiresd major maintenance bathroom and bathtub ( unuseable ), kitchen also needed to be resurfaced maintenance work order completed XX/XX/XXXX had to wait before removing plastic maintenance didn't do clean up. XXXX days before completed. Leakin walls flooded carpet had to be cut in order to prevent mold. provided large portable electric heater to dry water damage for XXXX days increasing electric {$100.00}. They charged me $ XXXX for parking withour having a car for the fees {$240.00} total. 
received national credit systems a bill for {$3200.00} balance forward {$2500.00} and added {$910.00} fed XXXX rent moved XX/XX/XXXX with paint, carpet cleaning, cleaiing total bill {$3900.00} requested a detail of balance forward couldn't provide.I went to debtor XXXX and was told no balance due account closed. National hasn't responded to calls letters and hasn't removed it from my credit reports. They have even sent email to pick up packages in XX/XX/XXXX. National has charges after XX/XX/XXXX open date XX/XX/XXXX. I can provide documents if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF HAWAII CORPORATION
State: VA

Complaint narrative:
Bank of Hawaii was charging an inactivity fee of $ XXXX/month for XXXX  months draining my account of the majority of funds. I called and asked for the account to be reactivated and for fees to be waived. I was told to send a check to reactivate my account and they will waive the fees. The check was deposited and the account was reactivated but the fees were never waived. The $ XXXX/month fee on the balance of ~ {$80.00} ( at the start of these charges ) amounted to an annualized interest rate of 75 %. Not only this is unfair to me as a consumer but extreme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 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: MS

Complaint narrative:
I have tried several times of the past few days to reason with this company, & they flat out refused to help by correcting. I brought to theyre attention that there are inquiries that I dont recognize on my report & there is absolutely no action being taken. 
These are the following inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief