vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: GA

Complaint narrative:
XXXX payment history is reporting inconsistently. 

XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says XXXX ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says late XXXX ' XX/XX/2018 XXXX says late XXXX '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF THE WEST
State: SC

Complaint narrative:
I have a boat loan with Bank of the West. I sold the boat, I verified with Bank of the West the wire transfer process on XX/XX/22. The buyer wired money on XX/XX/22 from XXXXXXXX XXXX  in Tennessee, I have the wire transfer receipt from that. On XX/XX/22 I called Bank of the West to verify why the money had not shown up, I was told it could take a couple days. On XX/XX/22, the money has still not shown up, I called and was told it would be processed by XX/XX/22. As of today, the money is still " missing '' and I can not get anyone at Bank of the West to help. I have spend over an hour on the phone, Ive provided the required information on several occasions and can not make progress. The interest on the loan amounts to about $ XXXX so they are also slowly charging me more and more money due to them not paying off my loan AND sending me the money above what I owe.

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 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I have attempted to contact the company in regard to a debt they claim I owe. They have not provided the proper information I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
In accordance with the Fair Credit Reporting Act 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 2022-07-05 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: TX

Complaint narrative:
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount XXXX Date opened XX/XX/2015 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 2022-07-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-05 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My identity was stolen and this credit card has been open in my name without my consent fraudulently. My FCRA are being violated the company continue to report fraudulent information on my credit report. The address this account in isnt my address. The account isnt my account. 

XXXX XXXX Opened on XXXX XXXX {$670.00}

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 2022-07-05 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: TX

Complaint narrative:
1.Account Name : XXXX XXXX Account Number : XXXX Amount XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-05 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: TX

Complaint narrative:
1.Account Name : XXXX XXXX Account Number : XXXX Amount XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
XX/XX/2022 - Loan sold to Newrez LLC XXXX # XXXX XX/XX/2022 - Husband and I set up automatic payments XX/XX/2022 - XXXX Automatic Payment did not come out ( we have confirmation email ), we realized husband 's name was not added to Newrez account even though all loan documents signed at title agency were signed by each of us and his name is recorded XX/XX/2022 - Paid one time payment. Set up auto-pay AGAIN ( we have a XXXX confirmation email ) per Newrez directions. We were told husbands name would be added to the account and that Newrez did in fact have the documentation to prove his name should be on the loan XX/XX/2022 - XXXX Automatic Payment did not come out again ( we have a confirmation email ), we realized husband 's name was AGAIN not added to Newrez account XX/XX/2022 - Called Newrez again. They're saying the bank account number for automatic payments couldn't be located and that's why they haven't taken them. Paid one time payment with the account they said couldn't be located. 

There is a problem with their payment system as every time we made a one-time payment, the same bank account number they " can not locate '' is the one we've paid with. I am wondering how many other VA home loan borrower 's have been affected by this and have been charged fees/marked delinquent/have taken credit hits because Newrez will not fix their system. We have an email trail of payment set-ups and modifications from when we have talked to customer service that is attached below. 

In addition to a faulty payment system, they also have poor recording and documentation practices. My husband 's name has yet to be added to a loan for which he is a co-borrower, and none of our payments or the fact we have a home loan has showed up as being reported to either of our credit. 

This feels a lot like breach of contract at best, and fraud at worst. Something isn't right and VA home loans should NOT be allowed to be serviced by this company.

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 2022-07-05 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I HAVE NOTIFIED XXXX THEY NEED TO REMOVE INCORRECT INFORMATION FROM MY CREDIT REPORT. THE INFORMATION HAS BEEN DISPUTED AND THEY CLAIM THEY HAVE VERIED AND VALIDATED THE DEBT WHICH IS UNTRUE. I HEREBY REQUEST THE REMOVAL OF THE FRAUDELENT ITEMS THAT XXXX AND XXXX VERIFIED AS NOT MINE TO BE REMOVED AS WELL BY XXXX AND XXXX IMMEDIATELY. AS I WILL FILE A FEDERAL LAWSUIT IN THE FEDERAL COURTS FRO MULTIPLE DAMAGES AND VIOLATIONS. 
THEY NEED TO REMOVE ALLY BANK AND XXXX XXXX XXXX XXXX IMMEDIATELY FROM MY CONSUMER REPORTS AS WELL AS XXXX XXXX AS THEY HAVE VERIFIED THE FRAUS ALONG WITH THE POLICE AGENCY WHO VERIFIED THE FRAUD. I HAVE SENT THEM THE FOLLOWING AFFIDAVITS OF TRUTH WITH NO RESPONSE IN OVER THIRTY DAYS.

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 2022-07-05 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover has been reporting this account since 2017. I have made several disputes to DELETE account due to inaccurate information. 
Discover has been reporting inaccurate information since 2017 and refused to delete from my credit after many attempts. 
Discover also refuses to provide original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made Purchase for pool equipment that was never delivered. I contacted XXXX and receive confirmation that the item was not delivered to my home I contacted PayPal and initiated a dispute investigation requesting for the seller to provide proof of shipping and proof of delivery. I never received anything from the seller, no proof of shipping and no delivery. After 10 days of waiting, PayPal found in favor of the seller. The seller did send my purchase and did not provide proof of shipping, the tracking number the seller sent was to an address that isnt mine Nd not in my name. I have paid {$410.00} for an item I never received and PayPal papers to have no interest in resolving the matter in an honest and fair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NY

Complaint narrative:
In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

n accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, has violated my rights In accordance with the Fair Reporting act XXXX  Account # 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 an 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 2022-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX, everything has to be 100 % accurate on my credit report. 
There is a significant inaccuracy on my Credit Bureau Equifax by XXXX XXXX XXXX During the peak of COVID I discovered credit fraud with a false account under my name. I contacted the Equifax about this and was told to fill out an identity theft report with the Federal Trade commission. I did this and everything that was asked of me to submit and complete. 

The credit bureaus stated my account was properly investigated but how is that possible if one account has completely inaccurate information and the other account does not. 
This proves that my credit was fraudulently used by someone other than myself and this is grounds for removal as this clearly violates my rights under 15 U.S.C 1681 section 602 A, which states I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Credit Bureaus took more than 30-days to complete my investigation which shows in my certified mail tracking number : XXXX 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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a second complaint because I believe this is absurd and I have been treated so rude. On XXXX  XX/XX/XXXX after speaking to a chase representative on phone I was told to deposit funds while I was also waiting on my XXXX to hit my account XXXX XX/XX/XXXX. I was assured o could make a deposit to bring my account current after a check was given to me that I deposited and unbeknownst to keep it was not a good account or I never would have deposited. 
I deposited XXXX cash Thursday at local branch and then was waiting for XXXX to hit that I thought was going to be XXXX but ended up being XXXX. On Friday when I called it showed both cash deposit and my XXXX had been rejected due to trying to close my account. After I was told if I brought account positive my account would remain open. I then spent over XXXX min Friday at local branch. My plan was to deposit more money. The manager XXXX was so kind he said no notes had been noted and he agreed my cash deposit and XXXX should have posted towards balance. I wanted yo deposit more money to bring account current but he advised me not to till we found why my other funds had been rejected and of course being a XXXX  weekend nothing would happen till XXXX XXXX. Of course I tried to go make a deposit after work and to be sure all was good with account but by the time I got out of work and to bank they were closed o thought XXXX not XXXX. Anyway my point is I feel I have been treated incredibly rude during this situation with exception of local branch manager. I do not feel this is my fault at all and have been a customer for XXXX XXXX years even a XXXX XXXX. We never would treat anyone like this. I would appreciate honoring what I was told and my account ending in XXXX remain open. I have XXXX  accounts and pretty much everything else tied to this account and treated very unkind during something that was not even my error. You are supposed to protect your customers not treat them like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I attempted to resolve this with the agency and was advised to do what I need to do. 

They posted this account all XXXX  with the incorrect date which even if corrected is still in violation of the FCRA as it impacted a credit decision. The XXXX  are also in violation of FCRA for recklessly reporting this account. 

The agency is attempting to re-age a debt that if in fact is mine is nearly ( 6 ) six years old.

My initial request was to just have them remove this from the XXXX without seeking damages. I am now requesting that XXXX  remove these accounts from 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
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
i have asked Experian and XXXX to remove the following unauthorized inquiries as they are not correct and I have not given permission for such inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all of these unauthorized inquiries 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