vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-12 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: NY

Complaint narrative:
Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports 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 2022-05-12 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: NJ

Complaint narrative:
Three total transactions taken from my account on three different dates starting in or around XX/XX/XXXX totaling XXXX. 
I am in the US military and my account was hacked. 
No permission was given for these fraudulent XXXX transactions nor do I know who the recipient or sender was. 
I am requesting my money back in full immediately. 

Police reports have been made

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 2022-05-12 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: TX

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

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 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-05-13 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: NY

Complaint narrative:
In accordance with the fair credit reporting convergent account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A sates 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 166b 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 2022-05-12 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
Hunter Warfield is attempting to collect on behalf of a rental management company. I disputed this with their lawyer, XXXX XXXX, and we have a settlement showing I do not owe anything and they must immediately stop collections and reporting, yet they have not. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citi is requesting to verify some financial information to continue processing application. Need completed 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 2022-05-12 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: CA

Complaint narrative:
The company violated my rights as per as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 18 U.S.C 1666B

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 2022-05-13 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: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XXXX XXXX I filed for Unemployment Insurance Benefits through the California EDD website, and certified my unemployment each week. I began working in XX/XX/XXXX, and stopped filing for Unemployment Benefits. I changed addresses on XX/XX/XXXX. On XX/XX/XXXX, I received a California tax form stating Unemployment Benefits had been paid. I began looking, and found that my Unemployment Benefits were retroactively paid on XX/XX/XXXX, and a Bank of America Prepaid Visa Debit card was issued to my old address on XX/XX/XXXX with a balance of {$5300.00}. I discovered that {$5300.00} of fraudulent charges and debits had processed against the card, and only a {$15.00} balance remained. I was unaware that any payments had been issued or that a card had been issued and used. 

I immediately opened a Bank of America Prepaid Claim on XXXX XX/XX/XXXX. After several reconsiderations, Bank of America is still denying my claim. I have provided two separate Police Reports and numerous statements. I have also identified two suspects from ATM transactional photos provided by Bank of America as supporting documentation. I requested the most recent supporting documents from Bank of America, and received a package including deposit, debit, and balance statements ; everything I could get online. The package did not contain a reason for the denial of my claim, so I have nothing to argued against for reconsideration. 

Any reasonable person can associate the timelines and deduce that I was not aware payments were issued, a card had been issued, and the card had been activated and used prior to receiving the tax documents on XXXX XX/XX/XXXX. I have provided Bank of America ample documentation and evidence to pursue their investigation and agreed to cooperate and testify in any proceedings. Bank of America has no reason to deny my claim, and should immediately reimburse the {$5300.00} to 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 2022-05-13 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: TN

Complaint narrative:
Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX  in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.

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 2022-05-13 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: TN

Complaint narrative:
Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.

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 2022-05-13 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: TN

Complaint narrative:
Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, my husband and I financed a custom computer from a company called XXXX XXXX for the cost of {$4500.00}. We used a third-party company called Affirm to finance the purchase, making payments of {$190.00} over the course of 3 years, totaling {$6900.00}. Months go by as we continue to make our monthly payment, and we never received any update as to when our computer would even be built. I would reach out to them via social media and on their main platform, XXXX and would get told that they are still waiting to build my computer. XXXX XXXX  ' agreement stated they would notify me 1 week, 1 day, and the day of my computer being built. This never happened, and XXXXXXXX XXXX ceased business near the beginning of XXXX, XXXX, so we reached out to Affirm to get the return we deserve, and started a dispute on the purchase on XX/XX/XXXX. Affirm 's policy states, " In an event where a business shuts down before delivering the product, Affirm would be obligated to fully refund all consumers who have financed a purchase with that business. '' They have asked for proof of purchase, proof that we have reached out to XXXXXXXX XXXX  to try and resolve the issue, proof that we never received a product, proof of my order number, and anything else that would support my claim. I sent Affirm everything I could obtain that they requested, to which they explained that they had to send the dispute to, " the higher ups '' on XX/XX/XXXX, after spending days providing all of the evidence requested. Nearly two months later, I contacted a lawyer who informed me to request an update within 72 hours. Affirm told me that they couldn't provide the refund since the order was processed in XXXX, XXXX. I then explained that the first piece of evidence I sent to them, was a screenshot taken on XX/XX/XXXX, of my order from Artesian Builds stating, " Order # XXXX  was placed on XX/XX/XXXX and is currently Processing. '' I called Affirm to speak with someone about the issue, and spoke to a supervisor who assured me they sent it back as " full contest '', and that they would get back to me after reviewing my case even more. I am waiting on a response, to which I believe will not be handled sufficiently, or within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
I opened an credit card account with XXXX XXXX ( part of XXXXXXXX XXXX ) in XX/XX/XXXX. 
In XX/XX/XXXX, I was informed that this company is rebranding as XXXX and I'll be getting a new card to my mailing address. I never got one. 

In XX/XX/XXXX, my email address and phone number was hacked, and I lost access to my XXXX account. XXXX does not recognize me anymore ( as the imposter changed the mailing address and phone number ). XXXX customer service will not speak to me as they believe I'm the imposter. There were no other ways of reaching XXXX except a phone or their online portal ( none of which I had access to after my account was hacked ). 

The problem i'm facing now is poor payment history - XXXX reported 120 days of late payment to credit bureaus. How can someone make a payment when the institution is unable to authenticate the caller? I had no ways of making payment as I was victim 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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2022 we were notified by U S Bank that they had closed our credit card with a high credit limit because we had not used the card in 12 months. We were very concerned about the impact on our credit rating. I called customer service and talked with XXXX ( sp? ). She told me that I had to send a letter to cardmember services to get the card reopened and the request had to reach them within 30 days of the account being closed. They closed the account on XX/XX/XXXX, I found out later. They would also pull a credit report ... a double hit to our credit rating. Next we went into the bank and talked to XXXX. He tried to help us but eventually he was told that we had to apply to reopen the card. Next we called customer service again and I talked with XXXX ( male ) and he read the account notes and said I needed a supervisor. After 5-10 minutes XXXX, a supervisor answered. She was intent on making sure that I didn't get a chance to talk much. She talked without taking a breath and would interrupt me when I finally tried to talk. I finally told her that I was going to report this experience to the CFPB and her name would be attached to my report. She said derisively that the report would be going to a different division and that she would never be found. This conversation happened at XXXX p.m. mountain time. One thing I was able to get out of her was that they really didn't have any interest in reopening the account. So I know that requesting the account be reopened would only harm our credit rating further. I made sure that everyone knew that we had been loyal customers for a long time and the account was closed by them and not because we had missed a payment or any other negative 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 2022-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 I was contacted by an agency presuming to be " XXXX XXXX XXXX '' from XXXX XXXX XXXX, XXXX XXXX, CA. They were threatening legal litigation and a garnishment of wages if I did not settle on a XXXX debt for {$2500.00}. They stated they sent us a letter in the mail, which never came. They also quoted both my wife and my social security numbers. They asked for payment information to settle this debt and when I paused, they stated they could send me an email to send me this information. I then received an email to sign a document assuming this debt, which I did not sign. When I asked further questions, they became upset and asked if I was an attorney. I then hung up with them. They proceeded to call my wife and she ignored the call. Then they deleted the document I was to sign and threatened to see me in court. I saved the document before it was deleted and will provide it below. I created a cease-and-desist letter and replied back to their email. I received a reply stating they would not read the email and not to reply, though the original email states that was a good email to send questions to. I called them and asked for a mailing address, and they asked " Why? ". I told them it was to send a cease-and-desist and they told me they would not provide one and disconnected the call. I called back several times and they blocked my phone number.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Shared personal information Accounts closed/ charged off then opened again Keeps reporting accounts as delinquent when accounts have been closed for years

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 2022-05-13 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:
in accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

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



in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section 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