vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: 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. 



Account name : XXXX XXXX  # XXXX has violated my rights. 

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

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

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 2023-07-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I can not access my online account with XXXXEquifax. Equifax is unable to assist me with updating my access to this account. I need access so I can freeze/unfreeze my account as needed. 

I strongly believe Equifax is intentionally preventing access to the free XXXXEquifax online account to force me to sign up for their paid consumer protection services. Extremely unethical practice. 

As a side, both XXXX and XXXX provide reasonable online access to free credit reports and freeze protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I wasn't told that the it would a 12 day wait for the check to clear the Bank to get the funds. Then I was told 7 day by XXXX XXXX XXXX  XXXX the XXXX XXXX. XXXX FROM the XXXX XXXX told me 12 day 's. So the please investigation my concerns about how Bank of the has 2 different policies for a deposit from another bank. I WAS GIVEN THE WRONG INFORMATION BY 3 DIFFERENT PEOPLE WHO WORKS FOR Bank of America

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 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a payment on my credit card on XXXX. Approximately, 3 minutes later I attempted to make an additional payment on this same account as I realized the auto payment would not draft as the manual payment exceeded the auto payment. As a result additional payment would be required in order to avoid interest. Well, when i attempted to make the second payment I received a pop up message indicating I have reached my daily limit to make additional online payments to the same account. In order to process another payment I will need to call their XXXX # or I have to make payment from a Wells Fargo account. 

This bank has very suspicious processes around payments, including when making partial payments between statements.

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 2023-07-01 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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.

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 2023-07-01 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have submitted investigations with the credit bureau agency as well as the companies. There is to be a fraud alert on my account that if any account is to be open in my name I am to be called to confirm identity. My credit report was pulled and there are addresses, accounts, and loans in my name unauthorized by me. There accounts out of state that I don't or never resided in. I am asking that due to the FCRA section 604 this information be removed as I have not opened these accounts or given permissible purpose for these accounts to be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: GA

Complaint narrative:
these accounts I'm disputing are fraudulent, they do not belong to me, XXXX XXXX  was open due to fraud, my identity was stolen by XXXX and this account was open I want this account taking off my credit, if not I will demand arbitration or small claims court to resolve this matter immediately, im sending ftc identity theft report, do not ignore this complaint it acts the same as a police report, I have filed also complaint of fraud to the ftc. 

XXXX  XXXX credit card XXXX  XXXX XXXX card These two accounts are fraudulent, my name has been leaked on the dark web by XXXX XXXX and it has been compromised remove this account from my report, experian needs to its job and stop protecting companies that steals and uses consumers information illegally to open such accounts, I want these accounts removed and issue resolved I will not send any documents with information I have been advised by an attorney these companies have already compromised and used my information illegally to obtain accounts by using my information fraudulently do not ignore this complaint because it will be used in court to show proof I have sent a ftc identity theft report or I can I also use this In arbitration, now resolve this matter before I seek legal action against XXXX XXXX, XXXX XXXX for fraudulently opening these accounts

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My numerous phone calls to all the credit bureaus, including TransUnion, informed them that my only telephone number is ( XXXX ) XXXX. The TransUnion LLC company recently added some other person 's phone number to my credit report personal information.

Please force the TransUnion LLC company to immediately and permanently remove the telephone number : ( XXXX ) XXXX, from my credit report personal information. 

Please force the TransUnion LLC company to verify a match with the account holder 's name and social security number of the Telephone Carrier of all new phone numbers they try to add to my credit report personal information.

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 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company, Jefferson Capital System is inaccurately reporting a fraudulent account in the amount of {$390.00} under my name and my credit reports! I have contacted them several times to advise them of this and even sent over my police reports and other documents and they still report this under my name and credit reports. This is affecting me and causing me stress and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never gave permission to access this information on my credit account

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 2023-07-01 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. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. As a result, this account should be deleted.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In attempts to make a monthly payment, I called the company 's XXXX number to determine the total balance, date due, and monthly minimum payment. In listening to their recorded message it was discovered that the company has an incorrect telephone number connected to my account. After listening to the recorded message I hung up and called the XXXX number again revealing the same information. I called again to speak with a live representative who informed me that they were unable to provide any information on the incorrect number even after I provided my correct telephone number. I disputed the representive explaining their information was wrong. The representative was uncooperative and I explain I would contest their information regarding their information on my account. This is the second time in over 7 months that I've listened to the recorded message which reveals the same incorrect number. On each occasion the company has refused to explain why they have an incorrect telephone number connected with my account. I called the XXXX which revealed the number was unallocated. 
I've had issues with XXXX 's in the past in keeping accurate records of my XXXX  account which caused me to contact their corporate offices. In the previous two events, XXXX 's has overcharged my account either in record keeping or at the customer service desk.

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 2023-07-02 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: Credit Karma, LLC
State: VA

Complaint narrative:
hank you for submitting your complaint through the Consumer Financial Protection Bureau ( CFPB ) and for allowing us to respond. In your complaint, you state you have incorrect inquiries on your credit report and you need a replacement debit card. Your desired resolution is to have your replacement debit card with your middle initial or full middle name. On XX/XX/XXXX, you contacted Credit Karma via email in case # XXXX that you needed a replacement debit card due to having your middle name incorrect. On XX/XX/XXXX Credit Karma responded back explaining that it was a case of too many characters in your full name to fit on the debit card. On XX/XX/XXXX when you responded back confirming that the replacement card can be sent to the address on file, instructions for requesting the replacement debit card were emailed to you and again on XX/XX/XXXX. On XX/XX/XXXX the case was closed due to no response and a replacement card has yet to be ordered. To get a new card, please use the following instructions and we will be glad to have your name corrected : Access your Credit Karma Money Spend account. Select Settings. Select Debit Card & ATM Usage. Select Request a new card. On the confirmation screen, select Request a new card to confirm that you want a new card sent to your mailing address. Regarding your XXXX taxes, you can reach out to XXXX at XXXX as we do not have any information regarding tax filings. All accounts and personal information you see listed on Credit Karmas app/website comes directly from the credit bureaus, XXXX and XXXX. Since Credit Karma is not a credit bureau, we are unable to make changes to your credit report. If you see unauthorized hard inquiries on your credit reports you can file a dispute with each credit bureau listing the information or with the lender reporting incorrect account details to the credit bureaus. For more information on how to dispute incorrect information on your credit report please visit https : //www.creditkarma.comXXXX Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at https : //support.creditkarma.comXXXXe or call XXXX and we will be happy to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: Westlake Services, LLC
State: LA

Complaint narrative:
I have submitted investigations with the credit bureau agency as well as the companies. There is to be a fraud alert on my account that if any account is to be open in my name I am to be called to confirm identity. My credit report was pulled and there are addresses, accounts, and loans in my name unauthorized by me. There accounts out of state that I don't or never resided in. I am asking that due to the FCRA section 604 this information be removed as I have not opened these accounts or given permissible purpose for these accounts to be on my credit.

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 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I submitted a cashiers check as an online deposit on XX/XX/29. It is a CASHIER 's Check and Wells Fargo has told me the funds will not be available until XX/XX/XXXX. The issuer has already been charged the money from his account. Not sure where the funds could possibly be at this point? I have received four different answers about the delay... have filed complaints after complaints with the team only to find out different answers every time I have called as the for the nature of the delay. I have been a WF customer for over 8 years and this is just insane. Never have I ever seen a cashier 's check held up. Avoid WF with everything you have.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: AZ

Complaint narrative:
Do not know what this debt is. Tried to contact debt collection company but no luck. No way of contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: IN

Complaint narrative:
I have not received my social security money.

I went on the SSA web site and according to them it was paid on XX/XX/2023 but direct express doesn't show this.

I have a support ticket in Direct Express : Ticket # XXXX They are giving me the run around. Have been doing everything through e-mail. They told me to talk to SSA, then they said to call them, then they want more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm disputing the XXXX account on all credit bureaus for fraud I got a XXXX XXXX XXXX XXXX loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my debit card and on my profile shows XXXX XXXX XXXX making the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect

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 2023-07-01 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: NY

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. 

Account name : XXXX XXXX has violated my rights. 

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

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

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