vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: IN

Complaint narrative:
On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from my credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of reeipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, 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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank closed my account without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On several occasions Wells Fargo would issue bank XXXX fees when the balance was to low to accept payment on purpose. They would also allow cancelled subscriptions to go through to cause XXXX fee. XXXX deposited funds to create XXXX to charge. I also was told years ago that my account was military and that it was a free checking regardless of balance. I discovered that XXXX was charging my account {$10.00} a month recently and have no idea how long and without notice.

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 2023-01-30 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: NV

Complaint narrative:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) EXPERIAN BUREAU is required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  ) ( ACCT NUMBER : 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MN

Complaint narrative:
I sent a letter out on XX/XX/XXXX to Equifax Here are my tracking numbers, XXXX XXXX According to the law 15 U.S Code 1681a- Definitions, rules of construction. 

The term 'investigative consumer report ' means a consumer report of portion thereof in which information on a consumer 's 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer. 

I would like to know who they talked to? 

How did they complete this investigation? 



In the dispute letter I asked for A copy of the original application must be sent with the results of this dispute investigation, that also include my electronic signature. With the results of this investigation, I want a copy of the full payment history from the original creditor, and I want a copy of the original purchase agreement that shows that the creditors can legally collect this alleged debt with the original creditors name and address. 

They did not send the information or documentation that was asked for and needed to prove they did a real investigation on the accounts listed in the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
15 U.S.C. 1681-2 : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S.C 1681 : ( c ) The term consumer means an individual.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, & Equifax have violated my rights to privacy and have shown a disregard for my credit file. I have never given written permission to have anything placed on my credit reports, such as UTILIZATION of Credit, and TRANSACTIONS published on my credit reports. 
15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission 15 U.S.C 1681 ( A ) ( 4 ) Here is a need to insure that Consumer Reporting Agencies Exercise their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy.

In addition, it is also my understanding that Under the FCRA 15 U.S.C 1681 ( i ), every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank closed my personal line of credit without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them. That affects on my credit score and credit history. 

Wells Fargo charge interest and fees without explanation.

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 2023-01-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Credit card rate increased and fees were excessive

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank closed my credit card without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them. That affects on my credit score and credit history.

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 2023-01-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy.

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXXXXXX XXXX and THE US DEPT of EDUCATION have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2023-01-30 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 Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy.

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXX XXXX  and THE US DEPT of EDUCATION have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2023-01-30 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: MN

Complaint narrative:
I sent a letter out on XX/XX/XXXX to TransUnion Here are my tracking numbers, XXXX XXXX According to the law 15 U.S Code 1681a- Definitions, rules of construction. 

The term 'investigative consumer report ' means a consumer report of portion thereof in which information on a consumer 's 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer. 

I would like to know who they talked to? 

How did they complete this investigation? 



In the dispute letter I asked for A copy of the original application must be sent with the results of this dispute investigation, that also include my electronic signature. With the results of this investigation, I want a copy of the full payment history from the original creditor, and I want a copy of the original purchase agreement that shows that the creditors can legally collect this alleged debt with the original creditors name and address. 

They did not send the information or documentation that was asked for and needed to prove they did a real investigation on the accounts listed in the dispute

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 2023-01-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a victim of identity theft /fraud I have report this over and over to American Express and XXXX XXXX XXXXXXXX and also XXXX bank I did not sign up for these cards. To save my XXXX XXXX, I went on payment plans. I needed to move out of my home. I have an active DVRO against my ex wife. She likely signed up for these cards without my permission. I have reported this to all the credit card companies. I have reported Fraud through my XXXX account. These credit card companies call me repeatedly to a point of me having a mental break down. I can not afford the debt, and I did not sign up for these cards. I never gave approval. I never even held these cards in my hand. My court filings also state this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a copy of the application that was signed opening up this credit card. I want IP addresses, and proof from AMEX that I applied and wanted this credit card. I have never held it, used it, ever. This was opened by my ex wife without my permission! I demand proof that I opened this account, gave permission to open this account ( i did not ) and with a copy of the application with my signature. This is fraud committed by my ex wife. It does not matter if I lived under the same roof as her, I never gave permission to open any cards in my name! Please provide what I am asking for. I am on a payment plan for this card only to save my XXXX XXXX as I needed to move out of the residences per court order. I should never have done this, as Amex thinks that I am taking responsibility for this payment. I have not opened this card, used it, authorized anyone to open this in my name. I have never held this card in my hand, and do not know anything about it. I want this removed from my credit report and not be responsible for paying this anymore. Please I beg you all, to provide what I am asking for. I need proof from Amex that I authorized this card. I want to see my signature on the application. This is fraud! Please seek the truth in this matter. I simply can not keep paying for something I never opened up, used, or benefited from in any shape or form. I am paying on payment plan {$650.00} which is legit the other {$230.00} payment plan per month is not. That is the one I am referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX chase mortgage charged off the 2nd on my home, I haven't heard anything from them there was never an attempt to collect it was charged off. in XXXX I receive a notice from IRS stating Chase bank said I owed them more than {$200000.00} and that I was responsible for paying taxes on the debt that's more than 14 years old and was charged off, I called chase on more than one occasion I was told that they didn't know what I was speaking of, I was told it was a scam, I was told there was no attempts made by chase bank. I called the IRS who confirmed the detail from Chase, I advised the IRS that I wasn't responsible to pay taxes on bad debt that was charged off more than 14 years ago and that once a account is charged off to bad debt the company can use it as part of the tax write offs, hence Chase is trying to collect on something that was charged off and received tax credit. I don't owe this money or any monies to chase or to the IRS. Chase erroneously sent my file to the IRS and lied to say I received {$200000.00} which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I spoke with a woman in the beginning of XXXX and requested this account be closed. 
Instead of closing the account, they drastically lowered my credit line which dropped my credit XXXX. This was AFTER I filed an earlier complaint about their customer service agent and the company charged me interest on a XXXX dollar balance. They removed that mark from my credit and then dropped my credit line from XXXX to XXXX. This affected my score by XXXX points and will affect it again once they actually close the card. 
This is incredibly unfair and feels like retaliation to me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NY

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was charged off during the peak of the pandemic in XX/XX/2020. With no option to pay. You attorneys are scamming me in court and are being exposed for lying after the knowing know it was forgiven. I have rights during the pandemic why am I being discriminated?

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