vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: WI

Complaint narrative:
I have notified TransUnion several times that I didn't authorize these companies to run my credit and also that there was no firm offer for credit either. I have asked for verification documents and TransUnion has failed numerous times to give me those documents. 

Remove these inquiries. I did not give consent for them to have access to my credit report... 

XXXX XXXXXX/XX/XXXX this account was removed due to identity theft. Remove the inquiry. 

Rise XX/XX/XXXX this account was removed for identity theft. Remove inquiry. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX this account and inquiry has been reported as identity theft and the company confirmed this with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited my California state XXXX XXXX on XX/XX/23. Chase put a 7 day hold. XXXX gave me a printout showing the checks were cashed, but they have my accounts restricted as fraud because they cant contact anyone at the state number to verify. The state gave them the money and they will not release it to me. The number now is irrelevant, they have the funds and they need to give them to me. Im beyond exhausted dealing with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: CA

Complaint narrative:
Updated and introducing new information. I went to purchase a automobile and ask for them not to run my credit with multiple lenders. They did not listen resulting in un lawful inquires, making my consumer report inaccurate. 
In accordance with FCRA section 611 this company violated my consumer rights! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: IL

Complaint narrative:
Elan Financial Services Card through XXXX XXXX  has not been providing me with proper paper or online bill due notifications. The last payment I made with them, according to their records was on XX/XX/XXXX for my XXXX payment. I checked my balance multiple times over the course of the month to pay for XXXX due on XX/XX/XXXX. I never received my statement showing the balance due on XX/XX/XXXX and the amount. Instead I received a statement showing past due as of XX/XX/XXXX. I have checked the account multiple times in the span of 2 months and it always had my balance showing as {$0.00} due. Now all the sudden I go to make XXXX 's payment and I am XXXX days past due, my credit line has been cut, and now I have a mark on my credit report because this company can not update their systems online accurately. I never received so much as a call or inquiry or any email or paper notifications advising anything was due. The reps with them have not been helpful at all in rectifying this issue. I made a double payment today and they are still refusing to reinstate my credit line, remove the late fee, or take the 30 day past due off my credit. I am very upset that this financial institution has treated me this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CO

Complaint narrative:
Equifax is continually miss reporting information on my credit report. As far as account statuses and balances, it is affecting my credit score, and I have filed mini disputes with them and they have done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Medical bill shouldnt be on my credit. I have health insurance that the hospital verified. I think it should be off my credit because I was not aware of this debt and nobody contacted me about this debt. It just happened to be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have the better balance rewards credit card from bank of america, which pays me {$30.00} every quarter for monthly usage of any amount. So for XXXX, I get paid {$30.00} in XXXX, and so on... and XXXX XXXX in XXXX. 
I usually get paid {$30.00} by XXXX of each quarter, I was supposed to be paid {$30.00} for XXXX, 2022 this month, but I didn't receive it. I tried contacting them online and through phone but none of the agents bothered listening to me and always pretended to get it all confused and no matter how many times I call or contact them, no one bothers investigating why I wasn't paid or even opening a case for me. I tried to stay on the line for several mins to hours, but no one helped, which was infuriating since all the last few years I always got paid on time, but this time it seems like they dont care about their customers anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29 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 XXXX  The Following Account : has violated my rights : XXXX - XXXX - Late Payments 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: ID

Complaint narrative:
Submitted a dispute to Experian on XX/XX/2023 to have them remove XXXX XXXX, a medical-collection debt on my credit report. The amount is less than the {$500.00} minimum threshold established under the new credit reporting rules. Experian failed to remove the medical-collections debt and informed me on XX/XX/XXXX that the debt balance had been verified and will remain on my 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 2023-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
After a long week of work I was thinking yes I got my check. However, XXXX XXXX the check and it was said it was fraudulent. It was not under my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX  Bankruptcy docket # XXXX don't belong to me sent letter from courts to Experian, and XXXX about this matter XXXX  times within XXXX  months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I submitted a dispute with Exeter finance XX/XX/2023 disputing payment history and the charge off amount also requested information regarding the amount left on the account before it was sold to XXXX XXXX with a receipt. I sent this to an email XXXX they replied back XX/XX/2023 that they received it. XX/XX/2023 they sent out a letter saying the account status is accurate. I never ask about the account status. The also say the information reporting to the credit reporting agency are correct! XXXX quite confused seeing that there is different reporting going on. If they are all accurate explain why each credit reporting agency is reporting different information. Due to the FCRA all information being furnished should be 100 % accurate especially if its coming from the same furnisher. This is grounds for removal. They ignored my dispute and they have been knowingly/ willingly reporting inaccurate information. Thats against the law as well. This has caused damage to my credit report. Under the 15 U.S.C 1681-2 1 ( a ) 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. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc.
State: GA

Complaint narrative:
Medical bill needs to be removed from credit. It was paid for through Georgia XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
This Debt For XXXX allready went to court and garnished my wages until it was completly paid off. this is not a debt on my credit anylonger and this needs to be investigated as i dont appreciate them tryting to collect again. XXXX  reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I lost my job during XXXX and fell into some hard times I called to see if there was anything Wells Fargo can do about a reduced auto payments to give me a chance to catch up with all my bills and they denied it shortly there after that phone call my truck got repossessed And I had to pay the XXXX months I was behind plus a repossession fee of {$500.00} after I had told them not to repossess my truck that I was willing to send some part of the money but I do not have it all regarding the monthly payment they were rude and unprofessional and not understanding about XXXX situation not just mine The bank incorrectly applied borrowers payments, improperly charged fees and interest, and wrongfully repossessed borrowers vehicles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/XXXX I tried to wire XXXX to my ma It was declined that night and sent back to my Wells Fargo account XX/XX/XXXX I called their representative to help with problems, and they told me the money would be available tomorrow ( XX/XX/XXXX ) XX/XX/XXXX the transactions date went from XX/XX/XXXX to being XX/XX/XXXX, I called representative and asked them XXXX, they confirmed wells fargo received the money yesterday XX/XX/XXXX, so it should have been available today. I went into the local branch and now they're trying to say it's going to be withheld even longer and threatened calling the cops on me while I was pointing out that what they were doing is fraud and doesn't follow what the sign by the front door says about availability of funds policy, so they're not only forging dates, but I've noticed missing money XXXX as my purchases don't XXXX up to what they've deducted. 

XXXX wells fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: SC

Complaint narrative:
Disputed a Bankruptcy Court S.C. Docket # XXXX XX/XX/2021 on my TransUnion consumer credit report FOR INDENTITY THEFT. I have sent in documents including letter from the courts, police report and ftc report please pay attention to police report page 3 it states that account signatures don't belong to me when investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC
State: RI

Complaint narrative:
On XX/XX/XXXX, by telephone, with an NFM live representative, I paid {$2200.00} from my checking account. 

On XX/XX/XXXX, XXXX for the third time, distributed a check for {$2000.00} ; it was finally credited to my account on XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX disbursed two checks to NFM. The first check for {$1100.00} and the reinstatement check for {$6800.00} On XX/XX/XXXXXXXX XXXX  XXXX disbursed a check for {$1100.00}. 

This is a total of {$13000.00} that NFM has received it. Several checks may not have come broken up into the suggested monthly increments. However, they received the funds and did not distribute them where they needed to, which is to my mortgage. In addition, they continue to report to the credit bureaus that my mortgage is late, which at this point, is impossible. XXXX was the first month my mortgage was in arrears. My payment of {$2200.00} covered XXXX and XXXX. 

XX/XX/XXXX - {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} w/out late fee XXXX XXXX My mortgage increased to {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} Total amount due and paid : {$4400.00} {$13000.00} ( total money disbursed to NFM ) - {$4600.00} ( XXXX Mortgage ) = {$8500.00}, the total amount of money to NFM and NEVER applied to my Mortgage. 

Moreover, I am being transferred to another XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation