vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

I am a victim of identity due to the XXXX data breach and all items should be blocked/removed until this investigation is complete.

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 2023-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/XXXX I submitted my PSLF forms. One employer was a charter school that is no longer in business. I do not have W2 forms so I submitted IRS transcript from IRS.gov website to cover information missing. The form provides Employer Tax Identification number and my salary. I'm told by Mohela that's not acceptable but need a W2 instead. W2 gives the same information as the IRS transcript and neither give dates of employment so why is a W2 more acceptable than the tax transcript? Furthermore, SSA charges {$150.00} per year ( 4 years for me ) to provide a W2. I provided 3 years of IRS transcript but was 3 months too late for XXXX so I must pay for a W2 for that year. {$450.00} for the same in information seems ridiculous since they already have the same information but in another form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX, 2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXXaccount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In 2016 weeks Fargo foreclosed on my mortgage incorrectly. I ended up having to sell for a low price and pay out of pocket on a hurry. It was their mistake and there wasnt anything I could do about it.

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 2023-02-05 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 exercised my rights under FCRA 611 ( a ) ( XXXX ) ( B ( XXXX ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my Experian, XXXX, and XXXX credit reports reported by XXXX XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX by sending XXXX XXXX XXXX letters certified mail, return receipt requested to Experian, XXXX, and XXXX. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. XXXX opened accounts. To date, Experian, XXXX, and XXXX are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files 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 explanation
Consumer complaint received 2023-02-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A .states I have rights 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 2023-02-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently submitted a new dispute with TransUnion and they continuously send stall tactic letters stating they feel my dispute is coming from a credit repair company ; therefore, they are refusing to further investigate my submitted disputes. I was under the impression that the consumer reporting agencies were only allowed to send 1 of these type letters to consumers? This is my 20th letter from Transunion. I am asking the CFPB to investigate this matter ASAP!

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX through XX/XX/XXXX I have disputed in various forms the following accounts for inaccurate information. They have not been properly been investigated or verified. All accounts have been ran through e-Oscar with the metro 2 compliance guidelines. I have had this problem with all three bureaus but in particular equifax .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: GA

Complaint narrative:
XX/XX/XXXX Acct : WELLS FARGO XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : XXXX On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX Mail XXXX XXXX XXXX to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send XXXX forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXX XXXX XXXX XXXX to receive my credit report every month which will be attached. 

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 that the information is inaccurate.

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 2023-02-05 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: Liberty Career Finance, LLC
State: GA

Complaint narrative:
XX/XX/XXXX Acct : XXXX XXXX XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : LIBERTYCAREERFIN On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX XXXX XXXX Signature Required to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send two forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXXnd XXXX XXXX XXXX to receive my credit report every month which will be attached.

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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: NC

Complaint narrative:
I did not approve any of these credit inquiries.

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 2023-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not approve any of these credit inquiries.

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 2023-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
i received an email regarding an account I " opened '' with bank of america. I called them and they wanted my social security number, which i did not feel comfortable providing. I did NOT open an account with them. i received a statement in the mail today. i can not get through to speak to anyone in the fraud department now. i need this frauduently opened account in my name- with my address, email and SS # to be closed 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX through XX/XX/XXXX I have disputed in various forms the following accounts for inaccurate information. They have not been properly been investigated or verified. All accounts have been ran through XXXX with the XXXX XXXX compliance guidelines. I have had this problem with all three bureaus but in particular XXXX .... Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$1300.00} Date Opened : XX/XX/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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo between XXXX thru XXXX over draft fee

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my XXXX, XXXX, and TransUnion credit reports reported by XXXX XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and TransUnion. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. Unauthorized opened accounts. To date, XXXX, XXXX, and TransUnion are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my XXXX, Equifax, and XXXX credit reports reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by sending Method of Verification letters certified mail, return receipt requested to XXXX, Equifax, and XXXX. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. Unauthorized opened accounts. To date, XXXX, Equifax, and XXXX are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TX

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-02-05 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: MT

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX {$500.00} closed # XXXX XXXX XXXX {$300.00} Paid in full # XXXX XXXXXXXX XXXX  account closed # XXXX XXXX XXXX {$1000.00} account closed # XXXX XXXX XXXXXXXX XXXX XXXXXXXX had XXXX  in hospital {$650.00} XXXXXXXX XXXX XXXX- Account closed and its been 7 years # XXXX TXXXX XXXX XXXX XXXX Account closed and its been 7 years # XXXX XXXX XXXX XXXX - this is not my account 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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a account with Wells Fargo and fraud was done and they ended up closing my account saying it's my fault kept the money that was missing and a year half later I receive a check tell me this money is owed to me due to there error I didn't cash right away I received two more letters telling me to cash it and since they closed my account I had hardships with paying my bills got late fees they were wrong and they knew it and no ther banks would bank with me cause of them putting up a block with check sytem

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 2023-02-05 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: GA

Complaint narrative:
XXXX XXXX is supposed to be deleted has been stated on a previous complaint but still showing on credit report as open. 

XXXX is supposed to be deleted in which it has been stated on a previous complaint but still showing on my XXXX, report as open. 

XXXX XXXX XXXX XXXX  Experian has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the account. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, XXXX, Experian has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX XXXX XXXX Experian has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX account is too old to be on credit report and it was disputed and declared as deleted

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
XXXX XXXX XXXX {$500.00} closed XXXX XXXX XXXX XXXX XXXX Paid in full XXXX XXXX XXXX XXXX  account closed XXXX XXXX XXXX XXXX {$1000.00} account closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX XXXX closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX Account closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX this is not my account 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 non-monetary relief