vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX XXXX XXXX account # 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: OH

Complaint narrative:
This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.

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 2022-11-11 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
santander consumer usa, and XXXX keep reporting charged off accounts on my credit file for XXXX as past due with recent past due payments and santander is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from XXXX  i know this violates the fcra and i need those companies to remove those accounts from my XXXX credit file. this is illegal and it is preventing me from getting a new home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, my husband 's wallet was stolen in the subway system in XXXX, XXXX. He lost his JP Morgan Chase debit card along with driver 's license, credit cards, etc. We notified Chase about the theft as soon as possible the same day. ( We were in a XXXX XXXX  with limited cell phone functionality, so we weren't able to report the theft as quickly as in the XXXX ) The thief or his accomplice used the debit card to make XXXX purchases totaling {$1000.00}. All transactions took place on Friday XX/XX/XXXX and were processed on Tuesday, XX/XX/XXXX. 
At first, Chase reversed the charges, then changed course, said we were responsible for them after all, and removed the funds from our checking account. We had XXXX fruitless phone calls to the service line to try to understand the bank 's reasoning. The only information we were able to get was a schedule of the charges ( with dates, no time stamp ) and a statement that they were deemed valid because we approved or authorized them. We know the theft took place between XXXX XXXX  and XXXX XXXX  because we were on the subway during that time, on our way to a lunch date at XXXX. Chase must have a time stamp for the disputed charges that would show they took place after XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
I am a victim of identity theft. I noticed it is a lot of fraud and inaccurate information on my credit report that I want removed.

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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
On XX/XX/XXXX, someone walked into a XXXX XXXX, Iowa, Bank Of the West Branch and withdrew {$7000.00} using a counter check. The bank teller never checked the signature against my actual signature on file and handed the fraudster {$7000.00}. The signatures are not even close to matching, and several BOTW employees told me that checking the signature card on file was the standard operating procedure. The fraudster tried going to another BOTW and was turned down because he did not pass any of the security checks.

BOTW has completely shut my online access off for an entire week ; it just gave me a new account number that I can not use because I can not access any of my funds. BOTW had a bank teller hand out my money to a fraudster, and now BOTW is holding my money hostage and has not put the {$7000.00} back even though the XXXX XXXX police apprehended the fraudster. 

Now BOTW had me drive XXXX miles to a branch in Arizona where I live for nothing because I was told they could handle it online. Then the next day, I had to drive back to the branch XXXX miles away because they forgot about the fraud affidavit. So now they keep having me fill out the wrong forms, and a week later, I still don't have access to my money in my account, and I have a business to run. Nobody knows how to do anything correctly, and it is causing me more issues and time that I do not have access to my account. I have three people supposedly helping me, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and nobody can produce a new account with access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not authorize these fraudulent inquiries to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Last XXXX I paid my Macys credit card in full. I received a payoff figure and made the payment which left no balance on the account. I purchased an item with the card, which I immediately returned. The return was not processed and credited to my account for several weeks. Macys has charged me late fees and interest on this account for this purchase. The original amount of the purchase was {$28.00}. The balance currently on this account is XXXX which is comprised totally of fees.and interest. I have not used this card since that purchase in XXXX. Citibank is refusing to reverse these late fees.

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 2022-11-11 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: VA

Complaint narrative:
Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX XXXX  to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: VA

Complaint narrative:
Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX XXXX to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.

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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So i've noticed my interset rate went up by half percent every month from XXXX XXXX so i called my istitution which was Chase Bank XXXX The answer i got its because of inflation interest goes up so the credit card company dont loose money. So how is it even lawful to change my interest without written notice to me 45 days prior first of all. Second of all inflation in a country everything cost more and credit card company charge you more so they recover. how about my salary. it stays the same. Card workers told me to read it in a XXXX XXXX XXXX about interest going up. Government needs to step up for little people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
In XXXX of 2022, I signed a contract with XXXX XXXX to install a solar system on my house, with Goodleap financing the loan. 

On XXXX XX/XX/2022, XXXX XXXX began the installation on my house and told me that they would be back to following day to finish it as well as begin the process to have it inspected and permission to operate. 

XXXX XXXX then closed for business, but triggered my loan to be due with Goodleap. 

I tried talking to goodleap several times, and had been told that the loan payments would begin, and that they were aware of the issue with XXXX XXXX. 

I filed my first complaibt with the consumer finance protection agency against goodleap in late XXXX, and received a response from Goodleap saying that they had contracted XXXX to finish all of the installations and take up the warranty and repairs. 

On XXXX, a project XXXX from goodleap named XXXX contacted me via phone and told me that XXXX should be contacting me within XXXX weeks and that they Goodleap was going to defer my payments indefinitely until XXXX completed my system, but that interest would continue to accrue while the payments were deferred. 

On XXXX, i received a bill saying that my payments would still be due starting on XXXX XX/XX/2022. I tried calling XXXX, but was unsuccessful in contacting him and have yet to receive a return call. 

I velieve that Goodleap is just dragging their feet and making excuses hoping that I will just make the payments until it " gets resolved ''. 

At this point, i have no interest in allowing XXXX, who has terrible reviews and customer service, near my house or touching anything. I have no interest in continuing to deal with Goodleap and their non existent customer service. I would like goodleap to come and get the XXXX equipment off of my house, fix my roof, and terminate my loan due to breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: NC

Complaint narrative:
XXXX XXXX XXXX, and XXXX keep reporting charged off accounts on my credit file for experian as past due with recent past due payments and XXXX  is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from experian. i know this violates the fcra and i need those companies to remove those accounts from my experian credit file. this is illegal and it is preventing me from getting a new home. experian needs to remove those accounts also.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent a letter out XX/XX/XXXX to XXXX, transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on XXXX so that others can

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on XXXX  so that others can

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was made aware that American Express closed my account without my authorization. On my credit report it says my account was closed on XX/XX/2021. I did not authorize this and because of this my rights have been violated according to the FCRA. I would like my account to be re oped ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I applied for a personal loan with First United Bank where I have my checking and savings account on XX/XX/2022 and I got an email from the bank same day advising that I was approved for a {$14000.00} loan at XXXX XXXX XXXX XXXX months and asked if the payment was too high did I want to extend to XXXX  months and when I did all of a sudden I was no longer approved. When I asked the loan officers why he said his president further reviewed my credit history and would not approve the loan. I have a XXXX XXXX XXXX and a few years ago I fell on hard times but have tried since to get my XXXX XXXX built back up. So my daughter took money out of her XXXX plan and we went back to the bank with a request to approve a loan for half the amount- {$7000.00} and again was told no - I either had to come up with collateral to support it or it would not be approved. This money is to fix a XXXX XXXX XXXX XXXX XXXX  and if I don't get that fixed I will never be able to sell it and it will continue to XXXX- it is a XXXXXXXX XXXX XXXX XXXX When they told me I was approved I contacted the contractors to set up a date/time for them to repair XXXX XXXX  and then had to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My wife and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.

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