vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo put a lock on our XXXX  card and refused to give us a reason as to why. I understand an account can be closed for any reason a bank choses but to not give us a reason after being a good customer for 5 years, never a late payment, and to eventually close the account and send it to the " deceased '' dept is totally unacceptable customer service by the fraud dept. 
Due to a stolen check at another bank, I had to have my checking acct closed and re-opened with a new number. Caught in the changeover was my XXXX  payment ( {$2500.00} ) so a check got returned to my bank. As soon as I discovered this, I called WF and explained the situation and made payment directly from my new account. The pymt was received before the due date. Then my card was locked. Numerous attempts to try to find out why were never answered. They asked for another pymt and proof the pymt cleared and said they would lift the restriction, but when I complied with their request, they still would not unlock. I told them I would probably close the account and was told, they were " thinking about closing it anyway '' ( no reason given ) and the next I knew I was reported as " deceased '' on XX/XX/23. This might have caused numerous complications in our lives had I not been on top of this. Don't they need some kind of proof before declaring someone deceased? 
I feel it was vindictive on the part of the fraud mgmt ( but I have no proof ) other than the was they spoke with me on the phone. Customer service was beyond horrible in the fraud dept. If you pay your bill in full and are never late and take the cash back they offered, apparently they don't want your business.

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 2023-04-08 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: AZ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: FL

Complaint narrative:
I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is still reporting to Transunion and XXXX ( only these two ) an erroneous and inaccurate collections on my credit reports for a collection of {$310.00}. This debt is inaccurate and doesnt belong to me. XXXX agreed on the matter and verbally promised to remove the inaccurate collection from all three credit bureaus on XXXXXXXX XXXX via phone call from my XXXX XXXX XXXX phone number XXXX. Its still showing up on Transunion and XXXX Credit Reports. Please help me remove this from these two credit bureaus as this is impacting my ability to pursue job applications and further credit endeavors. XXXX adjustment, Transunion, and XXXX are not treating me fairly in my ability to pursue consumer credit. See below law. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

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

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 2023-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I receive numerous calls throughout the day from this company. Three calls in one hour on most days. On XX/XX/ I received calls at XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. On on XX/XX/ I got calls at XXXX and XXXX XXXX On XX/XX/ I got calls at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. This happens multiple days in a row and all day long. They have called numbers that I did not give them to call and told them I have credit card delinquency and they are trying to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Only Transunion reporting all accounts. XXXX not reporting correctly. Almost 40 points difference from other bureaus

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Only XXXX reporting all accounts. XXXX not reporting correctly. Almost 40 points difference from other bureaus

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 2023-04-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Interstate Credit Control
State: MN

Complaint narrative:
XXXX {$9700.00} XXXX XXXX XXXX XXXX  DEBT COLLECTOR IN XXXX OF XXXX  I GAVE MY CARETAKER A 2-MONTH NOTICE THAT I WAS MOVING OUT IN XXXX OF XXXX BECAUSE I DIDN'T FEEL COMFORTABLE I FELT LIKE I WAS BEING DISCRIMINATED AGAINST SHE WILL PICK WITH ME ALL THE TIME SHE WILL GIVE ME NOTICE OF EVICTIONS ALL THE TIME EVEN WHEN THEY ARE LATE PICKING UP MY RENT I WILL GET A LATE FEE AND I WILL GET EVICTION NOTICE THEY HAVE A DROP BOX IN THE LAUNDRY ROOM THAT I ALWAYS PUT MY MONEY ORDERS IN AND BECAUSE SHE WAS LIKE PICKING IT UP I WILL GET WROTE UP FOR IT I FELT LIKE I WAS BEING TARGET ALL THE TIME MY KIDS FELT SO UNCOMFORTABLE BEING THERE SHE WILL CALL MY KIDS XXXX XXXX EVEN THE SCHOOLS THAT MY KIDS WAS GOING TO WAS BEING VERY XXXX TOWARDS THEM FROM THE HIGH SCHOOL TO THE MIDDLE SCHOOL TO THE ELEMENTARY SCHOOL THE LADY I WAS WORKING FOR XXXX XXXX SHE XXXX XXXX XXXX TOWARDS ME I JUST DIDN'T FEEL SAFE SO I WANTED TO LEAVE AND I ALSO INFORMED HER THAT I'VE BEEN IN A XXXX  XXXX RELATIONSHIP FOR THE PAST YEAR AND I NEED TO LEAVE AS SOON AS POSSIBLE SHE TOLD ME THAT I HAD TO GIVE HER A TWO-MONTH NOTICE BEFORE I CAN VACATE THE PROPERTY AND THAT'S WHAT I DID MY XXXX  CALLED ME AND TOLD ME THAT HE WAS ON HIS WAY TO MY HOUSE TO XXXX XXXX SO I HURRY UP AND GATHER ME AND MY KIDS THINGS AND I LEFT XX/XX/XXXX OF XXXX I MADE SURE EVERYTHING WAS CLEAN WASH DOWN WALLS I DID EVERYTHING THAT I WAS SUPPOSED TO DO XXXX OF XXXX I RECEIVED A DENIAL LETTER FROM A LANDLORD SAID THAT I OWE A PROPERTY {$9700.00} NOW I'VE RENTED FROM PROPERTIES IN THE LAST 3 YEARS FROM WHEN I LEFT XXXX XXXX XXXX SO I CONTACTED THEM TO SEE IF I OWE THEM THEY TOLD ME NO SO THEN I CONTACTED MY CREDIT AND THEY TOLD ME THAT I OWE XXXX XXXX XXXX I RECEIVED A FACT SHEET AND ON THAT FACT SHEET EVERYTHING ON THAT FACT SHEET WAS MARKED AS DAMAGED FROM THE CEILINGS TO THE WINDOWS TO THE STAIRS EVERYTHING ON THERE WAS MARKED AS DAMAGE AND IT IS NOT TRUE BECAUSE I WASN'T THERE TO DO A WALK THROUGH WITH THIS LADY THIS LADY MARKED EVERYTHING ON THE FACT SHEET AS DAMAGED BEFORE I LEFT THE PROPERTY SHE HAD FIXED MY DISHWASHER SHE MARKED MY DISHWASHER AS DAMAGED WHICH WAS A LIE WHEN I FIRST MOVED INTO THE PROPERTY SHE TOLD ME THAT ONCE A TENANT MOVE OUT THEY REPLACED THE CARPETS SHE'S TRYING TO CHARGE ME {$5000.00} FOR FOR CARPET HOW IS YOU CHARGING ME {$5000.00} FOR CARPET WHEN YOU TOLD ME WHEN I FIRST MOVED IN THAT THEY REPLACED THE CARPETS AFTER I MOVED OUT ALL OF THESE CHARGES ON HERE IS SO FAST AND I FEEL LIKE SHE'S TRYING EVERYTHING IN HER POWER TO MAKE ME PAY FOR SOMETHING THAT I DON'T OWE THIS IS NOT FAIR AT ALL AND I'M STEADY GETTING DENIED FOR PLACES BECAUSE OF THIS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found inaccuracies on my report. 

XXXX Account # - XXXX Date - XX/XX/2022 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-08 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: FL

Complaint narrative:
I found inaccuracies on my report. 

XXXX BANK XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-08 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:
EXPERIAN has committed Identity thef

t 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2023-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inaccuracies on my report. 

XXXX Account # - XXXX Date - XX/XX/2022 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: FL

Complaint narrative:
I found inaccuracies on my report. 

XXXX Account # - XXXX Date - XX/XX/2022 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
This debt collection company called me to collect a debt that is from the year 2019 and has been removed several times from my credit report because it comes from an already verified identity theft. They say that this debt is from the company XXXX XXXX XXXX of the Year 2019 and that it has passed through several collection agencies. This shows that this account is false since none of the collection agencies that have put it in my credit bureau has been able to keep it because it is a fraudulent account. 

I was not in the United States that year and I recently contacted the original company of that XXXX XXXX XXXX account and they don't even know about this account. Attached to this complaint is my identity theft report. I made a complaint to the XXXX XXXX XXXX XXXX XXXX Department for selling a fraudulent debt to collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This debt collection is attempting to report and collect a debt by XXXX that is not correct. the balance states I owe XXXX which is incorrect. My phone was disconnected due to non payment which was XXXX at the time. which was in XXXX, XXXX  in XX/XX/2022 an additional fees were added. The CS states that i will be credit. XXXX then stated the bill was XXXX dollars and the credit made it to XXXX. I never received a bill for XXXX and at the time my bill was only the 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 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Dispute to Ally Bank XXXX XX/XX/2023, 2 x {$880.00} ACH payments were made to my new and old mortgage lenders. 
At the time my old mortgage lender sold the loan to another mortgage company. I added the new mortgage lender to my online Bill Pay and paid the new lender and cancelled the payment to the previous lender. The ACH was still being processed and still charged my account at which time I disputed the charge ( {$880.00} ). 
The dispute was Approved by Ally Bankon XX/XX/XXXX and a credit was applied to my account. 
On XX/XX/ the charge was then reapplied to my account without notice or contact. 
I contacted the bank and they said they have the right to reject their initial approval. 

To withdraw funds from an account without notice appears to be a wrongful transaction. Furthermore I can not find any documentation in Ally Bank policies that states they have the right to withdraw or reject a dispute they initially approved.

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 2023-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inaccuracies on my report. 

XXXX XXXX  XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found inaccuracies on my report. 

XXXX XXXX XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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