vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Business Account was opened without Promised Award XX/XX/2022 Opened a business account per Wells Fargo Promotion Code to me on XXXX XXXX at XXXX XXXX XXXX XXXX office with Banker XXXX XXXX. 
( Code # XXXX ) It states that {$1500.00} will be awarded with {$5000.00} deposit. Picture of this promotion code is available upon request. ) I was informed by a few friends that the award was showed up on their account. However, I did not receive this award. 
XX/XX/2022 I called Wells Fargo on XX/XX/2022 ( XXXX, XXXX & branch office XXXX ). I was funneled to credit card award office at the end of each call. After long discussions, I was told that I need to talk to the branch officer where I opened my account. 
I could not make a reservation to visit this XXXX XXXX branch ( later it was also verified by Banker XXXX XXXX at XXXX XXXX XXXX Banker ). Therefore, I made a reservation to stop by XXXX XXXX XXXX XXXX with Banker, XXXX XXXX. 
XX/XX/2022 I visited this branch on XX/XX/2022 to show my related information ( account, promotion code, my ID, etc. ). XXXX reviewed all information and stated that this promotion code did not attach to this account, therefore, I could not get this award. He was nice to document my issue and promised me that he would submit to a proper channel to resolve this issue. 
XX/XX/2022 It has been more than 2 weeks and I received no information from Wells Fargo. I checked my account, {$1500.00} is not award to my account. I need your help to resolve this issue.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX  XXXX Updated : 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 2022-07-26 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: VA

Complaint narrative:
On XXXX XXXX and Experian received a package from XXXX XXXX consisting of a demand letter, a notarized affidavit, and exhibits attached ( see attached files ). XXXX XXXX Experian continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. XXXX and Experian is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: HI

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$0.00}

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 2022-07-26 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: MD

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I received a credit alert that Kikoff Lending Llc opened an account under my name. I've been dealing with identity theft since XX/XX/2022. I contacted two different numbers that were given to me numerous times. One number no one answers and then goes to a voicemail not set up and the other number tells you to go on line to their support. The card opened XX/XX/2022. It had a recent balance of {$22.00} as of XX/XX/2022. 
Credit limit or original amount {$500.00}. High balance {$24.00}, monthly payment {$2.00}, recent payment amount {$2.00}. XX/XX/XXXX I sent them an email stating my complaint to them about a false account. XX/XX/2022 I got a response from XXXX, from Kikoff, wanting personal information to try and resolve this, like full legal name, the lat 4 of my SSN, and my current address. XXXX XXXX I replied I did not trust giving anyone my personal information but would give them the information I received on the alert because I had not received any other information about this except through XXXX. XX/XX/2022 I received an email from XXXX from Kikofff, telling me they couldn't close the account unless I fill out a formal affidavit of identity theft through a secure link. Again, this form wanted personal information so I did not send this form into them. XX/XX/2022 I emailed them again I would like someone to help me close this false account. I asked someone to please call me XXXX, from Kikoff again sent an email requesting me to fill out a formal affidavit of identity theft on their " secure link ''. I did not fill out the form because I didn't trust it. XX/XX/XXXX, I sent another email asking for this false account to be closed. On XX/XX/2022, XXXX XXXX again asked me to file a formal affidavit. On XX/XX/2022 I sent them a police report on their " secure link ''. On XX/XX/2022 I also filed a complaint to the XXXX XXXX XXXX, which also showed Kikoff is not an accredited company. On XX/XX/2022 I received an email telling me " based on the information included in your fraud claim we have determined there is clear and sufficient evidence to remove this tradeline from your account history. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Previous address on my credit file is incorrect and needs to be deleted asap. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 to believe 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 2022-07-26 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
The company, One Main Financial is constantly calling my place of employment, even though others and myself have asked them to stop. Specifically XXXX, who has been asked multiple times to stop calling is persistent and could possibly get me fired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
In XXXX HELOC loan was acquired at National city bank. PNC bank took over National city bank and took over HELOC loan. Loan was paid off in XXXX and was requested to be closed. As the account was closed in XXXX PNC failed to provide a satisfaction letter to XXXX XXXX Wisconsin in the required 30 days. 
PNC was contacted on XXXX requesting the satisfaction letter be sent out as it was past due. After many phone calls and e mails that show entire details the satisfaction letter was reordered on XX/XX/XXXX. 
PNC is in the process of drafting a letter with a complete review of the failure to complete the task that was required to be completed within 30 days. Was advised today that it will take 30 days to receive the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
XXXX XX/XX/XXXX after just learning I had been denied for a loan modification which i was seeking a forbearance sent in by a realty company, XXXX XXXX XXXX on XX/XX/XXXX. I received notification the house was up for sale. ( Note on XX/XX/XXXX received notice from XXXX XXXX that I could do a Short Sale. I said I didn't want it because i was hoping to keep my home and that was not wat i told that realty company to do and at the end of XXXX they told me to send in another borrowers package and so I received it in the mail. 
*I called on the XXXX of XXXX to ask wat can be done and was told to send in a borrowers packet by the XXXX of XXXX. 
*I called on the XXXX of XXXX and was told she would forward to the people to review it and I was amazed that they had had it for 5 days and had done nothing. 
*I called on the XXXX of XXXX and was told you are in your 37 days and this was not explained to me as I was just approved for a Short Sale and was told to send in paperwork. 

XXXX*I feel led on and with the previous company going behind my back I was not sure wat to do and have no where to go or any money saved, so I would be XXXX  I have multiple agencies here XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX filled out, who are approving my applications as we speak. I now qualify for these as my son is no longer living here, so his income doesn't count. 
**I 'm very confused as to how they can ask you to go through hoops and not respond and all of a sudden there is a 37 day requirement which in was approved for a short sale in the middle of but they still filed for short sale!!!. I called XXXX XXXX and never received multiple call backs or letters from XXXX XXXX. I have sent her multiple letters and borrowers package .... No response. I also have an investor XXXX XXXX interested in a short sale, which I was previously approved for! XXXX XXXX sent me a borrowers package in late XXXX or the agent did. 

**Its no wonder this agency has a bad rating and its horrible what they are putting their customers through. 
***Please stop the foreclosure and help me not XXXX be XXXX. I am XXXX due to a wreck in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

PLease help me... I DO HAVE THE ACTUAL RECORDINGS IF THOSE ARE NEEDED BUT COULDNT FIGURE OUT HOW TO SEND THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently realized several accounts I've never applied for nor received any credit, money, etc that has been appearing on my credit reports. During this time I've reached out to the bureaus, my local law enforcement, and original creditors in trying to resolve this issue. I recevied a letter from a fraudulent account listed under XXXX XXXX XXXX XXXX XXXX XXXXat was previously deleted now reinserted. I've sent Equifax supporting documentation from greensky in regards of them closing this account due to fraud but for some reason this account continues to report on my credit file. Under the fair credit reporting act as a fraud victim this violates several statues and this account should not be reporting on my credit file at all. Equifax has received supporting documentation such as identity theft affidavits, a police report, and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # 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, 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 instruction

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