vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The account below is inaccurate on my Equifax consumer report ; it has no account name and only reports to one bureau. I believe you can't report an item if it lacks details, especially the account name. 

This item is violating my consumer rights under the Fair Credit Reporting Act. 

( XXXX XXXX : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
In accordance With the fair credit reporting act XXXX XXXX Managment Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
In accordance With the fair credit reporting act XXXX XXXX XXXX  Account # 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 explanation
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-04-26 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: U.S. BANCORP
State: AZ

Complaint narrative:
somebody opened up a credit card through US Bank under my name. my identity has been compromised. i have gone to US Bank to have the credit card cancelled. i will also be filing a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for 5X points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all.

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 2022-04-26 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: SC

Complaint narrative:
I have been disputing these same items for months and no help. Please delete these inaccurate and unverifiable items from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After an investigation, Equifax deleted a bankruptcy that was being reported in my Equifax credit report. Equifax reinserted the deleted bankruptcy & never notified me in writing as required by 15 U.S.C. 8 16811- U.S. Code. Unfortunately, I found out that it was reinserted when I was denied credit as a result. 

Additionally, I've contacted the 3rd party vendor XXXX that Equifax says they obtained the information from & XXXX verified they do not have a record of bankruptcy on file for me. 

I've attached a copy of the report with the bankruptcy being reported as of XX/XX/XXXX I've also attached a copy of my report as of XX/XX/XXXX with no bankruptcy reported It is now being reported & there was no notification of the reinsertion. 

I've also attached the XXXX Notice & Table of Contents as of XX/XX/XXXX in which there is no notification of bankruptcy as XXXX says it would be noted in the Table of Contents if there was one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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:
Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. XXXX XXXX XXXX : ( 2 accounts ) A XXXX XXXX  XXXX - {$710.00} B ) XXXXXXXX XXXXrd- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

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

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXXe XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

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

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I submitted a request to dispute charges to XXXX in the amount of {$2000.00} and XXXX in the amount of {$4000.00}. I had a contractor do repairs at my home on XX/XX/2022 and they were to be completed by XX/XX/2022 totaling {$6000.00}. He didn't complete them, I have over {$3500.00} worth of work that he left behind and the wife says the work was completed. I have text and recorded calls of him stating that he was coming back to complete the work. I live in XXXX, XXXX XXXX The City will impose fines and fees for not maintaining your yard, let alone the house. Since the pandemic, they have been somewhat laxed but they are getting back to usual. Why would I spend {$6000.00} to have a contractor work inside and leave some of the work uncompleted outside, the major components of the repair. That logic simply doesn't make since. Now they don't want to complete the job. The day they started, we were expected violatile weather within the following days and they didn't couldn't paint the exterior or replace the glass. He did the same thing at my parents house and the only reason they are receiving anything back is because he had another contractor working with him that didn't want a claim filed against his business. They were simultaneously working on our homes and vanished on both of us until we started threatening them with legal consequences. Since this happened I find that the XXXX I used is out of XXXX and has a background that supports his lack of integrity. They have no intention of returning my money and never intended on coming back to complete the work here or at my parents.

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 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
I sent a letter to the credit bureaus and to the decbt company and no one sent me anything to verify this infomation. I have called the credit bureaus and they told me that I needed to contact the company which I did. I asked XXXX, XXXX and XXXX and they would not tell how how they verified the information nor would they give me any other information on the phone or threw the mail. I am confused on how you report items on a person credit and can not say how it was verifed.

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 2022-04-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have asked Experian, XXXX and XXXX for a more than reinvestigation 6 times. I have not been given this. I have formally asked by mail, I have asked by phone and I have asked online. I have errors on my credit report that they refuse to fix. They do not offer me proof of investigation or proof of the original debt required under the fair credit reporting act. Their employees do the bare minimum of work and millions of consumers pay the price for their negligence. There is a fiduciary duty to uphold the laws set in place to protect people. It does not seem to matter. 


Several of the accounts have the wrong dates reported. By law, the first instance of an account being delinquent is the date in which the 7 year rule starts. XXXX accounts are more than 7 years old. They became delinquent more than 7 years ago. In order to keep them on my credit report, the reporting companies must provide a full accounting of the original account terms along with a full accounting of all payments. They must also have the correct legal name of an individual and the correct SSN and date of birth. If they can not provide ALL of these detail, under the FCRA a debt MUST be deleted. 

ERRORS : # 1. I have a closed credit card from XXXX  XXXX XXXX that is too old to be on my report. If the reporter fails to furnish all of that information and legally required documentation within a 30 day investigation period, the debt must be removed by the XXXX. 

# 2. I have a closed account from XXXX XXXX that is not only too old to be on my credit, but the sum of the original debt was fulfilled at auction and the company did not issue me the positive difference that they made of the vehicle which is illegal. 

# 3 My legal name is incorrect. I have provided legal documentation of my name to these bureaus on more than one occasion and my name is STILL incorrect. Which is causing many errors in credit reporting. 

4 # I have a collection from XXXX XXXX XXXX that was paid to the original account holder. I paid my entire balance on autopay until I canceled the account in person at the California office. They must provide all original payment history to show that I did not. This account also has the wrong dates reported and was fully closed in XXXX XXXX after being paid in full. I did not have an account with XXXX in XXXX at any point in time.

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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX, there was an unauthorized wire transaction from my Chase checking account to XXXX  XXXX XXXX account in the amount of {$25000.00}. I found this out after about 1-2 hours after the transaction was made. I saw XXXX emails of wire transfer cancelation and a third email to confirm that the wire transfer was successful. I called Chase right away to let them know that it was an unauthorized transaction and they told me that it will be taken care of and the money will be back in my account between 7-10 days. I also filed a police report and followed their instruction to file identity theft reports & froze my credit. 
After a week of not getting any updates from Chase, I called back to their fraud department and I was informed that the claim was not processed fully and there was no detailed info on it that they have to create this claim again. So I provided them again with all the information I had on this transaction and they gave me another 7-10 days to wait. They they denied this claim because they are categorizing this as a 'scam ' instead of 'fraud '. So they advised me to escalate this to their Wire Recall Service Team where they can review my case and possibly can do a courtesy wire recall. But this team is only available via Chase Secure Message Center so I have been going back and forth with them since beginning of XXXX until today because they are not providing any updates on my case. They are just providing phone numbers to call, which leads me back to their fraud team and can not help with my case. They they provide a number for their Treasury Service Team, I call and only automated message says 'leave message on chase secure message center ' then just hangs up my call. Now I'm just thrown between 2-3 different departments just saying to reach out to a different team and they are not asking me to get a Hold Harmless Letter from a Chase branch. I talked to my banker at my branch and she has no idea what this is. So I go back to my secure message on Chase app telling them what happened, this is their reply " USD Wire investigations team does not deal in issuing or providing hold harmless letter. Kindly reach out to a local Chase branch for further assistance. We close the case on our end. If you have any additional questions or wish for an update on the status, please respond to this message or call the XXXX XXXX XXXX XXXX XXXX  ( which just hangs up my call )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
Fulton Bank : We have opened an account at Fulton bank for a non profit. First check is deposited and then we saw negative charges. No communication from Fulton bank except after 12 days- negative balance due to account got overdrawn. Well, they should have sent a message/communication immediately with returned check ( or bounced check ). 
Fulton bank, sent letter 12 days letter and also did not notify about check bounced back. This is all for non profit and good cause. The current process need to be audited for regulatory reason as well. 
1. Bank - business support associate did not know where about the check. XXXX told me to contact XXXX support. Support told me to contact local branch. XXXX works at local branch. This is not a broken process 2. Bank never sent me letter or copy/image of check that was returned XXXX. 12 days letter they send letter saying account is overdrawn but no words that says why 4. Manager XXXX at XXXX XXXX location : kept saying you should use online bnanking otherwise you will have to wait till end of the month to get the account statement and it will show returned check. 
This need to be investigated. I am getting charged because of bank ; s policy of not communicating properly.

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 monetary relief
Consumer complaint received 2022-04-26 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: GA

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX  - XXXX, XXXX XXXX XXXX, XXXX - XXXX, and XXXX XXXX XXXX  - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
XXXX/XXXX. XXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this

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 2022-04-26 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: CA

Complaint narrative:
XXXX/XXXX. XXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX/XXXX  XXXX  XXXX and 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 an account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022, Capital One closed my credit card account. They assessed a {$150.00} annual membership fee when I opened that account. They refused to refund this fee despite closing my account. I was not able to use the account despite paying this fee, so not refunding it seems like a deceptive trade practice. Additionally, as part of my signup bonus, I was promised a {$200.00} bonus if I spent {$200000.00} on the credit card. I spent {$200000.00} and Capital One did not give me the {$200.00} bonus I was promised.

Company response to consumer: Closed with explanation