vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX XXXX XXXX : Submitted a XXXX Complaint with my XXXX credit card account, opened XX/XX/XXXX, limit {XXXX}, ending in XXXX. Account was erroneously submitted as being 30 days late. XXXX  complaint # XXXX states that the bank submitted the following response : " XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX Creditor : XXXXXXXX XXXX On behalf of XXXX XXXX, I am responding to your inquiry we received from the XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I appreciate you bringing this matter to my attention. 

On XX/XX/XXXX, XXXX XXXX  electronically requested all major credit bureaus delete all late payment history regarding your XXXX XXXXXXXX XXXX ( r ) account from your personal credit history. 

From your inquiry, I understand the update has not been reflected on your personal credit file as of yet. I have submitted a new electronic request to update this information and attached a copy of the Universal Data Form, AUD number XXXX illustrating this request. The updates to your personal credit report may take up to 60 days. After this 60-day time frame, please reference AUD number XXXX when contacting the four major credit bureaus. Their contact information is as follows : Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Thank you for the opportunity to respond to your concerns.

________________________________________ I then submitted 4 disputes with XXXX  regarding this account, each time they responded that the disputed information has been verified as correct, yet it still shows under " derogatory accounts/ accounts with adverse information '' on my credit report with XXXX. It also shows up under " Payment Status '' 30 days late & 30 days past due date.

Equifax : same story, submitted 2 disputes with Equifax, this still has not been removed from Equifax 's derogatory accounts : " Payment status : '' Not more than two payments past due " Date of first delinquency : '' XX/XX/XXXX XXXX was the only Credit Reporting agency to update this correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: SC

Complaint narrative:
I opened a Discover Secured Credit Card on XX/XX/XXXX. I made my security deposit on XX/XX/XXXX. I have never been late on my payments and my credit report shows I was always in good standings. I went to go apply for a student discover card recently on XX/XX/XXXX and I was denied due to the status of my existing account. I received a letter stating that my account was closed due to non-verification. I called the number listed on the letter and after several transfers and multiple agents, I get to the verification department that stated that my account was closed on XX/XX/XXXX, because I never submitted a copy of my XXXX taxes to them for verification. I asked how I could go about submitting the documents now, the representative told me that they could not reinstate my account or accept any verification at this time. He also stated he could not tell me how long this STATUS would appear under my name preventing me from opening any account with discover. That at this time they can not assist me because of the status of my previous " IN GOOD STANDING '' account. I never received a letter in the mail or an email about this verification process. I asked to speak to a supervisor regarding this matter, they told me they were too busy to take my call and that someone would call me back in 3 days. I still have not heard from anyone and that was a week ago. I am in shock that discover would do this and that no one has been able to help me reinstate my account. My score dropped tremendously due to them closing my account and the remark on my report is beyond absurd, because I have proof that I was never delinquent on my account. The representatives in this department are rude and unhelpful. Discover is known for their customer service and being all about their clients, but with this experience I would not recommend them at all. I have other credit cards and I have never been asked to submit my taxes for verification? I would like for someone to help me reinstate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and 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 and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and 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 and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.

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 2022-03-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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 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 2022-03-10 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: RFNA, LP
State: TX

Complaint narrative:
Republic Finance LLC illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Republic Finance LLC.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is currently reporting inaccurate information on my credit file. this is a violation in pursuant to FCRA USC 1681 ( 5 ) ( i ) .TREATMENT OF INACCURATE OR UNVERIVIABLE INFORMATION ( A ) IN GENERAL : If, after ANY REINVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED the consumer reporting agency shall- ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation. I have notified TransUnion i have directly contacted XXXX XXXX via USPS certified mail requesting VALIDATION OF DEBT. ( see enclosed letters to XXXX XXXX dated XXXX XXXX, XXXX, XXXX, XX/XX/2021 ). XXXX XXXX never provided VALIDATION OF DEBT as in accordance to the FCPA and the Administrative Procedure Act. In addition XXXX XXXX Acct XXXX payment history is being reported with different payment history to TransUnion than XXXX XXXX On my TranUnion credit file there are ( figures and codes ). On XXXX credit file is states ( No Data Available ) on credit report. These inaccuracies are damaging my credit. These violations are causing financial, and emotional damage. Futhermore TransUnion is currently reporting a fraudulent inquiry from 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 2022-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
HI FOR THE LAST THREE YEARS COULD NOT GO BACK WORK DUE MY PROPLEMS FICCIAL I'LL APPLIE FOR XXXX ON XXXX XXXX XXXX AND STILL WORKING MY CASE I'LL HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX THY HAVE ALL MY INFORMATIO ON MY RECORD AT THE XXXX OFFICE

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 2022-03-10 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: IN

Complaint narrative:
Trying to buy a car and serious delinquency is showing on my report from XXXX XXXX. I have reviewed all 3 credit bureaus and can not find anything but all closed accounts and excellent pay history, long credit history. How can I fight this when no one else sees a delinquency? I called all bureas and was told nothing negative. I had a car accident in 2017, not my fault, waited for insurance to pay off car was my only thought but that was not it. Please help me get this removed from my reports.

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 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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 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 2022-03-10 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: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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 2022-03-10 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: FL

Complaint narrative:
I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, TRANSUNION, XXXX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED. 
The credit bureaus have to inquire why my letters are unaddressed within 30 days. 
CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days. 
CFPB has to require that the credit bureaus remove the negative items from my credit reports.

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 2022-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, XXXX, EQUIFAX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The credit bureaus have to inquire why my letters are unaddressed within 30 days.

CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days.

CFPB has to require that the credit bureaus remove the negative items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NC

Complaint narrative:
On XX/XX/ 2022 I constructed the attached letter and mailed it certified. No response was every received to verify this information. I have asked that this be removed from all credit reporting agencies. I was removed from one but not the other two. Please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I noticed my credit score went down by XXXX points! The only recent change to my report was a payment that reduced what was owed to that particular card down by {$640.00}. In the past, anytime I pay my bills on time, and/or when my balance gets paid down, in turn my credit score either goes up a point or two, or it remains the same. Important note : I did not pay this CC off. I made an on time payment that reduced the balance by {$640.00}. 

For my credit score to plummet by XXXX points after a payment is made is absolutely crazy. I ran a credit report that shows Transunion looked at this one CC account on XX/XX/2022. The very same day my overall score went down. It appears to me they are basing my entire score on this one CC. 

All of my accounts are on time with 100 % paymen history. The majority of my other CC 's are either paid off, or they have a lower balance than this card. I recently lowered my overall credit card usage from 57 % total usage, down to 46 %. This particular CC has a higher balance. The interest rate is lower, so I pay this one down last. For Transunion to arbritarily deduct XXXX points from my overall credit score should be illegal. My entire credit score should not be based on one CC card balance. 

I contacted Transunion by phone on Monday, XX/XX/2022. I explained the problem in detail to the first lady and then to her supervisor. Both had very strong XXXX accents making it a bit tough to understand them. But I remained patient and polite. The two representatives I spoke to could not help. They had zero answers. It was a complete waste of time to listen to their montra of canned responses that were very obviously being read from a pamphlet.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Since the Truist merger I have not been able to access my online banking, I have done all required but they have all my information incorrect. Went to bank and they denied their errors and I have been blocked from my on line account.Many others are dealing with their banking

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my TRANSUNION Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXXXXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX, XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( XXXX, XXXX, AND TRANSUNION ) and the minors such as XXXX XXXX, XXXX XXXX XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( XXXX, XXXX, AND TRANSUNION ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo management and or their so call investigators are protecting thieves working in one of their Pt. XXXX XXXX, Florida branch offices. 

I have provided proof positive evidence that {$1200.00}. Disappeared from my account on or about XX/XX/2021 when one or more staff reconciled their ATM machine. 

The hardship caused by this theft has caused my XXXX XXXX XXXX wife and I age XXXX irreparable harm and Wells Fargo continue to treat this issue like a joke. 

They refuse to return phone calls after sending letters with a phone number to call for questions. 

Wells Fargo have added insult to injury by offering {$100.00}. after stealing {$1200.00}. From my account.

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