vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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:
Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account Down to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: CA

Complaint narrative:
according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXX funding account no. XXXX ...... 

XXXX XXXX XXXX account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law 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 2023-01-30 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: PA

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. 

Account name : XXXX, Account name : 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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i was paying my best buy cc with my bank of America bank account. 
when i was paying my XXXX XXXX cc, i was trying to pay XXXX on my account, my phone glitched and paid the full balance of my cc which was over {$1000.00}. at the time i only had {$300.00} in my bank of America checking acct. and Bank of America allowed the charge to go through instead of declining for insufficient funds. like it would have if i tried to buy something at a store or if i went to an Atm and tried to take {$50.00} out when i only had {$5.00} in my account. I have been with Bank of America for 28 years. I have never had this happen to me, they have always been good about declining things. I don't understand how this could even be allowed. I get paid ever two week, that will me getting a lot of over draft fees from the bank and higher once because of the large amount over draft. this is fraud because i never asked for them to allow them to cover the XXXX that i don't have ever. i don't care if i authorized the payment I didn't have the fund to cover it. and the bank get to make out with all the over charge fees. I am a single mother of XXXX kids. ever if in two week my direct depots come in it only XXXX so now that is 4 weeks with out money to feed and pay my bills. this i out rages and if this doesn't get fixed i will be getting a lawyer and sueing bank of America for allowing this tow happen.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
XX/XX/2023 Chase bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today chase is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I lost my card and report it together with unrecognized charges of {$190.00} on XXXX Company worker assured me that the charges will be immediately removed and investigation initiated. Also she told me that i will receive the letter with confirmation and instructions regarding this dispute. I still did not receive any and charges still not removed. 
I called company again ( XXXX ) and asked them for explanation. They lied to me again, saying that system had a glitch but they will remove it immediately and send me a letter. 
Of course as of today ( XXXX ) charges still there and no letter received ( see attached screenshot ). 
I have date and time as the names and confirmation ( ticket number ) of those conversations. 
This company ( Comenity Bank XXXX XXXX XXXX ) also stole my rewards money and when I made complaint ( XXXX ) they gave you willfully false statement that they need 60 days to respond. 
this company commit a fraud and trying to drag the time to put customers in trouble with credit bureau and other institutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 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: NY

Complaint narrative:
I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

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 2023-01-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my consumer report and noticed that Equifax unlawfully reported an unauthorized account ( XXXX XXXX XXXX XXXX # XXXX ) on my consumer report. I did not give written permission to Equifax to put anything on my credit profile. They had no permissible purpose by law to contact third parties with my private or personal information. I informed Equifax that their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Because they have knowingly transferred, possessed, or used, without lawful authority, a means of identifying me. I asked for them to update my consumer report and send me copy in which they never did. I waited well over 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

Equifax is not only holding me back from raising my credit score but reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. XXXX inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bright Capital Inc
State: IL

Complaint narrative:
To help my credit score, I decided to use a debt-paying service called Bright XXXX on Friday XX/XX/2023. Everything except " Bright '' has been my experience with this company. It has been very dark to say the least. They use very misleading marketing, advertising, and pitches. They loan you {$50.00} upfront and you pay it back in increments of {$10.00} once month. Supposedly by doing that they report your on time payments to credit bureaus. 

Where the fraud comes in at is they lie and say its {$7.00} a month for premium service sounds cool right? NO! ANNUALLY, they charge you {$88.00} for a service you never tangibly receive results from ( a very unexpected/hidden fee ). They also lie and say that with the premium service you get 24/7 real live money experts to answer any questions or concerns you may have, you get a " financial plan '' which is supposed to be tailored to your needs.

These are tailored lies that they hide behind to scam money out of people who are just trying to fix their debt and increase their credit score. I have current screen shots that show I have only received messages from Bots no real person ever. I have yet to be contacted by a real person, I have contacted them on their social media, and by email. Both times the responses were generated I can also assure you that another lie that they mislead people on telling them that some one will respond back to them in 24hrs. There is no customer service at all. Another Lie.

By fraudulently stealing people 's money and making frivolous statements and false promises, this company takes advantage of those in financial need and trying to pay off debt. Irreparably misleading marketing and advertising are the hallmarks of their entire business model.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
This is in response to complaint XXXX regarding Transunion. They mailed me correspondence basically implying that they did not believe that I submitted the complaint, and they were not removing the account even though it is identity theft. I have already submitted a FTC complaint and the account has already been removed from my XXXX report, so I am having a hard time believing that Transunion did anything to complete the investigation. I do believe that this is a stall tactic in order to keep the inaccurate account on my credit report. Once again, the account in question- XXXX XXXX XXXX is not MY account so I am demanding that this account be removed from my credit report immediately before I am forced to seek legal action. Transunion has violated so many FCRA regulations and I will be seeking {$1000.00} per violation. I also reached out to XXXX, and they have not been able to provide any information linking me to opening this account. How are you continuing to report an account that is unverifiable? Remove this account within 15 days from receipt of this complaint. I will attach the FTC report and the stall tactic correspondence I received from Transunion.

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 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
At the end of XX/XX/XXXX, my ex-husband died. This debt was split specifically in a court order during our divorce. Ive provided documentation and ask for the company on numerous occasions to file with probate court to receive his half. They have also advised me historically that I am not responsible for his half of the debt. While Ive continued to pay on my half of the debt, to date the company still has not taken appropriate action in this case. As a single mom with a young child, I feel that this company is taken advantage of me by refusing to follow a court order and file in probate court as is reasonable in this case. Let alone my child has now lost a father and source of income from child support. 

Furthermore, as of today XXXX XXXX, I have realized that I have not received any type of billing statement from them since XXXX of XXXX. Also, my online account has not been updated since XXXX of XXXX for any billing payments that I have been making every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We were wronged by Wells Fargo and have had to move multiple times because our credit was ruined. They would not work with us and we lost our home. This happened in the mid 2000 's. I am afraid they can not contact us because their information is outdated. They will have to look our information up as I no longer have the records but they should in their system. 

Our addresses were : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XX/XX/2023 XXXX bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today XXXX is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account from XXXX XXXX debt collection agency reporting on my Experian, XXXX, and XXXX credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor Smoky Crossing apartments made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXX 's name is removed from this lease so it should not be reporting on my credit reports with XXXX, Experian, and XXXX. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have XXXX in my account.They went in my account without ask me first. They over drafted 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
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
During the summer of XXXX, I consigned a loan for a friend that got denied. ( Thats not the issue ). In the process of us doing the paperwork, that friend stole my identity. Soc card, id, and he knew slot of my info due to being a long time friend. I have maintained a XXXX credit for the last year or so. I check my credit this weekend. Dropped XXXX points on average between the 3 Bureaus. A capital one account was opened in my name with XXXX $ taken. I have not made an account. The person I called a friend admitted to making it to myself and to others who are more than willing to testify. Today XX/XX/23 I will be making a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: VA

Complaint narrative:
Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my 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 2023-01-30 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: VA

Complaint narrative:
Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my 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 explanation