vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 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: IL

Complaint narrative:
THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



XXXX they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed XXXX they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) XXXX they refuse to accurately report open installment accounts payments in 30 days XXXX they have closed current installment accounts and not reported current payments XXXX they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over XXXX. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Two fraudulent accounts have been opened in my name on XX/XX/22 & XX/XX/22 and I have repeatedly called to have them shut down. Not only did they refuse to shut them down, once they did, one of them was reopened. I have requested they place a fraud alert on my account to find that after all of this, they allowed a phone number that isn't mine to be associated with my account. I have asked for the information used to open these accounts only to be told an investigation needs to be done but that I would need to fill out fraud paperwork. I have asked twice for this paperwork and repeatedly asked for the information used to open the accounts and have received neither.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. Equifax states this debt has been validated, but in 2019 Equifax also validated that this debt did not belong to me case confirmation # XXXX A summary of the results are listed below : Trade : XXXX XXXX XXXXXXXX ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My husband and I are looking into purchasing our first home and the credit company helping us brought it to my attention that there is still a kohl 's charge card that was opened in my name : KOHLS/CAPONE with a balance of {$1200.00} last updated on XX/XX/XXXX. I have never once opened an account with them and was informed to inquire about them violating FACRA because I have tried disputing this before back in XXXX and nothing ever came of it I guess since it is still on my list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX 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. Equifax states this debt has been validated, but in 2019 Equifax also validated that this debt did not belong to me case confirmation # XXXX A summary of the results are listed below : Trade XXXX XXXX XXXX XXXXXXXX ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I paid my balance in full, they continued to charge interest. When I called to inquire why interest was continued to be charged on a card with no balance, they said they made changes, I spoke with a supervisor who when I inquired about the interest being charged after balance was paid off I was told 2 different stories. I was told interest was charged daily then I was told it was charged monthly. I told them I wanted my balance paid again in full and I wanted the account shutdown. She said she would wave any future accruing interest and close account. I was never advised of any changes to the way they charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 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: CO

Complaint narrative:
This original complaint XXXX was closed by CFPB and was never even sent to the company. 
This is NOT a duplicate request. I do not understand how you can close a complaint and say it was already processed when Ive never placed a complaint before. 

Please review and investigate My complaint XXXX and if you find that there is a duplicate prior to the number stated above, send me verification of this.

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 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I changed my name, decreed by the XXXXXXXX XXXX family and probate court XX/XX/2022. 
\ I have since contacted Wells Fargo on no fewer than four dates from XX/XX/2022 to XX/XX/2022 about updating my name. Ultimately, my name on my credit card has been updated, but my online account and credit report still report to the former name. 
\ Wells Fargo initially insisted I must go to a branch in person to perform this action. Then they changed their mind and promised a mailed form, which I was to fill out and mail back to them. After a month it hadn't shown up. I called them back and they said wait for it to show up, they had definitely absolutely shipped it for real. It took another phone call to request another copy be mailed before it actually showed up ( still >1 week later ). 
\ After that it took them about a month to process my credit card file update. I might have had to reach out to them for a new credit card, I can't recall. 
\ To date they have still failed to update my online profile. I called them today to update this, and they again insisted I go into a branch. There aren't any branches in my state. 
\ I am calling them once more on Monday, and if they don't present a pathway to actually solving the problem I plan to close my account after balances are settled. 
\ There is no online contact for customer support on their website. There is no email address. This could have been an email process, and everyone would have spent far less time and resources on this.

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 2022-09-10 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: NY

Complaint narrative:
XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are XXXX : high bal XXXX XXXX  : high bal XXXX equifax high XXXX XXXX  last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX equifax last activity XX/XX/XXXX XXXX XXXX owed XXXX XXXX  XXXX equifax XXXX XXXX  says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX I made a payment of {$1100.00} to an account XXXX XXXX via zelle ( through my XXXX  XXXX XXXX checking account ). The account holders email is XXXX. XXXX confirmation number XXXX. 

On XXXX I was apprised by the recipient of the funds that it was a scam therefore the transaction is totally bogus. 

This is what I received in the text from the scammer The Zelle account owner is XXXX XXXX and his roommate. I scammed both of you. 
My friend needed a surgery and I had to raise that money for him. I never planned to do that, but I am really sorry. I couldnt stand to see my best friend die in pain. The whole check stuff is a scam. I promise to return your money back to you and XXXX when my friend is back to life. We will work and return money back to both parties. I am really sorry once more. 

I want the bank XXXX  to work with zelle to get the funds back from the scammers. I opened a case with XXXX ( case XXXX ) but have not heard back anything yet. 

I can be reached via email or phone XXXX for any additional details. 

Please assist in this regard XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Replacement card unable to be sent as company is supposedly undergoing system maintenance for 3 months straight. Not able to log in to account to pay card for 1 month due to system glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lac Courte Oreilles Financial Services II
State: WI

Complaint narrative:
On XX/XX/31, I applied for and was approved for an {$800.00} loan. When applying, the rep asked me for my full debit card number, including the security card. We then had to call the bank to verify my account, including the total available balance ( which I thought was kind of odd ). I should have gone with my gut. 

That night, an unauthorized charge for over {$300.00} at XXXX was charged using my debit card. Right away, I called my bank to cancel my card and get a new one reissued. Overnight, another charge tried to go through for {$500.00} for some airline tickets. Coincidence that the total was {$800.00}? I don't think so. 

Looking further into it with XXXX and the airlines, the name of the person using the card was the same as my rep and the area was where she lived. 

I emailed all this information to XXXX XXXX but they have yet to respond. I am looking for compensation for the fraudulent charges and/or my loan forgiven for the hassle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has failed to provide me with adequate proof as to their right and the right of the alleged creditors claim to the information reported on my experian consumer credit report. Experian has not maintained an fair and impartial position in this matter and has reported information on my experian consumer credit report solely based on whatever information the alleged creditor has given them. I have reach out to all of the companies claiming to be an original creditor they have all failed to provide substantial proof of this pursuant to Federal Law. Any legal action taken against these fraudulent claims, I will include Experian as a co-conspirator and co-defendant. ON XX/XX/2022 I sent a cease and desist complaint via the CFPB # XXXX. This complaint was not addressed and the numerous account continued to report as verified. ON XX/XX/2022 I request a method of reinvestigation disclosure from Experian via the CFPB # XXXX so that I can have a full accounting of the steps taken to validate the information on my Experian report. Experian failed to provide me with this information and has still continued to report the many accounts in which I informed them should be removed from my Experian credit report.

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 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I was conned by a scammer, acting as a representative of my bank, into providing information regarding my online bank account. The scammer accessed my account with XXXX, and used Zelle to make a series of unauthorized transactions, in varying amounts, totaling {$2000.00}. 
This happened within 2 minutes of my call with scammer. I called my bank immediately and froze all accounts, and found I had been scammed. I opened a complaint with my bank, XXXX XXXX XXXX XXXX, who then opened a complaint with Zelle. Both entities refused any compensation, and I currently can no longer make Zelle transactions. 

I never authorized access to accounts, nor any transactionsbut I did provide sensitive information to a con man.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found these unauthorized inquires on my credit report. 
Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/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 2022-09-10 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: NY

Complaint narrative:
XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NY

Complaint narrative:
Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are Transunion : high bal XXXX XXXX  : high bal XXXX XXXX high XXXX transunion last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX XXXX last activity XX/XX/XXXX transunion bal owed XXXX XXXX  XXXX XXXX XXXX transunion says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans

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 2022-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
My home has appreciated in value, both due to improvements I've made and the market. I want to remove PMI, and CMG Financial is ignoring my request. I believe it to be a stall tactic- it is in their benefit if the real estate market goes down, negatively effecting my XXXX ratio. 

I sent in the request XX/XX/XXXX. They asked for 30 days to review the request. I've followed up twice after the 30 days passed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Lendumo, an online payday loan lending service, approved a small {$1200.00} loan for a family emergency I experienced on XXXX/XXXX/2022. I was told that they could not determine the interest rate until I selected the " sign and continue agreement '' in the app. Once I selected the option they went ahead and approved the {$1200.00}. Fearing that they had my bank account information, pressured me to accept the loan, and fear they would debit my account regardless, they did deposit the money in my account. The problem was the interest rate was like 794 %, now I owe them over {$7000.00}. interest on a measly XXXX with a biweekly payment of {$390.00}. The payments are also being deducted on an alternate week other than agreed upon and have caused several overdrafts to my account. I also do not believe the interest rate that I am being charged is legal in my state. I've paid {$2300.00} so far and seek relief from this predatory loan experience. How is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NY

Complaint narrative:
Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are

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 2022-09-10 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: NY

Complaint narrative:
XXXX XXXX and Experian all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are

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 2022-09-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
after several attempts to get the accuracies corrected across all three bureaus sending certified letters the only answer i get in return is verified the account is in dispute but isn't flagged for dispute balance owed is way higher than the high balance and no-one can tell me how or why

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