vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: GA

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
For more than a month now I haven't been able to access my online account. Which means I'm not able to see my account balance or my credit account balance, and it also means I can not make a payment to my credit card. Witch will obviously affect my account. 

I tried to reach HSBC on the phone, they transfer me to various departments, and nobody knows how to help me. 

I was asked to send a proof of address, which I was told I would get an answer in 5 business days. Nobody answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX reporting inaccurate information including charge offs. According to FCRA 15 USC.1681s 2 ( A ) ( 1 ) ( A ) 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

IRS defines a charge-off as gross or ordinary income. Income does not get reported on a consumer report.

I was affected by the pandemic. Due to code, 15 US code 168s-2 Responsibilities of furnishers of information of information to consumer agencies : 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 
( XXXX ) Duty to provide notice of dispute Based on these laws, XXXX XXXX is in violation of the law by reporting inaccurate information and late payments to bureaus. 
Transunion may be engaging in illegal debt practices. It has been the most difficult to remove inaccurate information from this bureau after several attempts, illegally adding and keeping information on the report that 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 2023-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America with no authorization withdrew amounts from my bank account to offset a delinquent credit card, to my understanding this is against federal law specifically regarding credit card debt, furthermore the second draft dwindled my account to {$170.00}, from my understanding it is against federal law to offset an account to less than {$1000.00}. 

On XX/XX/XXXX my account was offset {$140.00} Today on XX/XX/30 my account was offset {$2400.00} I contacted boa about the apparent illegality of these actions, the representative simply stated " if bank of america is doing it, I'm sure it's legal. ''

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 2023-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
We had a forbearance and when it ended I filled out the modification paperwork 15 different times. They kept saying that they needed something else. They kept telling me to call back in a week and check the status on the modification. This went on well over a year. They put our house up for sale for forclosure without even notifying us. We found out by someone knocking on our door asking us to quick sale the home to them instead of it being auctioned. They also reported to the credit bureau and our score went from the XXXX 's to the low XXXX 's, They charged us several XXXX in late fees. I finally got them to accept the paperwork and instead of putting the missed payments on the end of the mortgage, they are making us pay XXXX more than what our mortgage payment was. We payed {$780.00} with insurance and taxes included. We are now having to pay {$1200.00}. This is a struggle since we are on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 
Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2023-06-30 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have submitted multiple disputes on XXXX regarding my Wells Fargo Mortgage account showing a balance of {$220000.00} which was last reported XX/XX/XXXX, I have also contacted Wells Fargo and they confirmed my balance was XXXX ( house was sold XX/XX/XXXX ) XXXX keeps telling me that Wells Fargo is reporting and that it is correct, which in fact it is not, I have sent XXXX copies of my statement showing a XXXX balance as of XX/XX/XXXX and earlier yet no action is being taken to correct the balance. This has been going on for nearly XXXX years and the other XXXX reporting agencies ( XXXX and XXXX ) show it as XXXX paid in full. I don't understand why XXXX won't correct it.

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 2023-06-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXXXXXX XXXXXXXX XXXX XXXX also there were XXXX hard inquiries that did not belong to me which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: GA

Complaint narrative:
I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX  also there were XXXX hard inquiries that did not belong to me which includes 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 non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I havent had my email for months due to my email being hacked. I didnt know my account was in negative. Even though they might have emailed me they never once called I never receive a call saying my account would soon be closed, since inactivity. I never purchased anything so the negative over draft fees was most likely from the fees they charge me for having the account. I would just like to reopen my 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 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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  Account XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-06-30 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: NC

Complaint narrative:
I reached out to SYNCB/WALMART about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2023-06-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Card refuses to report correct balance to Credit Reporting Agencies. I have warned XXXX Customer Service that they are ruining my credit score because they refuse to report the correct balance on time each month. Currently the entire balance has been paid off as of XX/XX/2023, and I filed a dispute twice with Experian, and XXXX responded lying and stating that I owed them {$130.00}. I can prove with my bank statement that I paid the account off. It is very important that credit card companies submit the correct information each month to the credit reporting agencies. 
My credit score is low and I should have excellent credit with a much higher score over XXXX. I am now canceling the XXXX account after XXXX years of trying to improve my credit score and they continue to lie to the credit agencies. My next step is to file a lawsuit against XXXX for violation of the Fair Credit Reporting Act.

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 2023-06-30 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: NC

Complaint narrative:
I reached out to XXXX XXXX about account # XXXX and # XXXX and asked them to delete these inaccurate derogatory accounts. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2023-06-30 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: NC

Complaint narrative:
I reached out to XXXX XXXX about account # XXXX and # XXXX and asked them to delete these inaccurate derogatory accounts. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chex Systems, Please see attached - there are many unauthorized inquires on my report that need to be removed immediately.

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: FL

Complaint narrative:
My mom opened a US Bank XXXX card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. US Bank put the XXXX card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my 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 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2023, I received a notification email from XXXX XXXX XXXX XXXX, my banking institution, informing me that my Zelle account had been deactivated. Promptly, I reached out to XXXX XXXX 's customer service for clarification, only to be informed that Zelle, as a third-party service, was solely responsible for the deactivation. Regrettably, XXXX XXXX was unable to provide any further details or assistance, directing me to contact Zelle directly. Despite my efforts to reach out, I have been unsuccessful in connecting with a Zelle representative, which has resulted in significant frustration. The lack of a proper and transparent process, along with the absence of an explanation for this sudden occurrence, only adds to the dissatisfaction experienced.

Company response to consumer: Closed with explanation