vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have attempted to make credit card payments on the due date ( s ), in this particular case, XX/XX/2022. Each time a payment is made on the due date AND before the cut-off time, a system error occurs... I then immediately notify Capital One Credit Card Svc of the issue, the payment shows it was processed and received on the due date but doesn't post to my account until the next business day, causing a late day/late payment fee. Capital One has waived the late fees, but it still shows as LATE PAYMENT on my credit report. This needs to be corrected, as I have asked Capital One, but no update/correction to my credit report has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
multiple fraudulent credit inquires 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CAPITAL ONE {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNXXXX XXXX  {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: DE

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my credit with XXXX, XXXX, and Transunion for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information 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 2022-10-17 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: LA

Complaint narrative:
I have noticed unauthorized inquiries showing up on my credit report at each of the three major credit bureaus Reporting on transunion XXXX  XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/22 I have not given permission for any of these creditors to pull my credit report and I believe I have been victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX Email received from WF stating that I had advised Home Preservation to close my application because I was no longer interested. This is false information. I had been interacting with your Home Preservation program for mortgage assistance since XX/XX/XXXX. 

XXXX XXXX XXXX Email to XXXX XXXX notifying WF that I had applied to the MD HAF program while being considered for mortgage assistance with WF. 

XXXX XXXX XXXX XXXX XX/XX/XXXX reply opposin

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT MACYS/CBNA {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number 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 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
Related to claim # XXXX Over 10 days I deposited the check. 10 days that the check was cashed and US bank has not released the funds and now I did a 3 way call with XXXX they changed their story. 

They said that since I don't commonly make deposits from this issuer ( XXXX ) they have to hold the funds for 15 days to avoid scams. 

XXXX told them the check was cashed and funds released since XX/XX/2022. Today is XX/XX/2022 and " XXXX '' at Fraud department kept me on hold for over 33 minutes stating there is no manager or supervisors available as they work remote and they can't get a hold of one, neither by phone or chat and I will have to wait for the funds to be released. 

The service for this bank is extremely POOR. Their branch service is horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
They charged an account that was not authorized and put it as pass due and didnt know it was still open when I called it said ot was close

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GA

Complaint narrative:
I have been working on my credit with Equifax for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MI

Complaint narrative:
According to the CARES act you can get a refund of any student loan payments made during the payment pause ( beginning XX/XX/XXXX ). I paid off my loans on XX/XX/XXXX during the payment pause with a final payment totaling {$10000.00}. Once learning of loan forgiveness I applied for a refund of the XX/XX/XXXX payment totaling {$10000.00} on XX/XX/XXXX. While speaking with EDFinancial on XX/XX/XXXX they informed me that my refund request was processing. I did not receive any email confirmation and my online account showed no updated information. After waiting for nearly six weeks and checking the status of my online account regularly and getting no new information I once again called EDFinancial. When I asked for the status of my refund I was given the same information I had been given six weeks prior, " processing. '' I asked to clarify that she could give me no new information, no timeline, no estimates even about when my refund would come through. She gave me nothing. Then I asked if there was someone I could speak to that would have more information for me she told me no, " there was no one in the company that had any information for me. '' I was astounded. To flat out express that no one in the entire company could help was unbelievable. I then asked if I should contact the Department of Treasury and she replied no, that no one there would have any information either. I am aware that many people have applied for refunds, however, it is their ( EDFinancial ) job to service loans- including refunds. I do not understand how there is no information on the status of my loan and that I am simply expected to wait patiently for as long as EDFinancial desires. That such a large company can just treat people like this is wrong. I have asked for a legal refund and have been given nothing but silence. I would like my refund processed and a more transparent system to help future customers avoid such a frusterating process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
My loan was Modified XXXX of last year, the new servicer began reporting my loan past due and updated my payment history to show me as past due. They claim the modification is still pending 14 months later. Also they claim they are selling my loan to an investor from XXXX  to a private investor and this is why it's causing a delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PRONTO FINANCE INC.
State: IL

Complaint narrative:
Account Number XXXX Account Number XXXX PRONTO FIN {$2500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$1300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a call from a man saying are you ( my full name ) and you live at ( my address ), I said yes. He said he was a legal processor, and needs to serve a legal judgement against me tomorrow XX/XX/XXXX @ my home address between XXXX, and asked if I would be home, I said yes. I asked him from what company was this from? He said it is a sealed confidential legal envelope and he does not know. But if I have questions, I can call XXXX and give claim # XXXX. I called, the woman said she was with XXXX, XXXX XXXX XXXX. I asked what this was about. She knew my name, address, phone #, last 4 of my social security #, my current, and my previous address in another state. She said Wells Fargo had a judgement against me for a delinquent XXXX XXXX account and that I owed {$3400.00}. She said they have attempted contacting me several times with no response to settle debt. I asked how did they contact me and when. She said a letter was sent to my previous address in ( state XXXX ) in XX/XX/XXXX & to my new address ( state XXXX ) in XX/XX/XXXX. I said I never received any notifications or calls. This exact same situation took place with me about 3-4 years ago, supposedly a debt from Wells Fargo XXXX XXXX account XXXX But back then it turned violent and threatening of my imprisonment, my life and my families lives. I called Wells Fargo back then and was assured they do not use XXXX XXXX and there is nothing under my social security #. I did the same today. Again re-assured they only use XXXX XXXX XXXX and nothing under my social. They advised me this is a phishing scam and to report to FTC, who referred me to you. I called scamer back 2 times to ask their address, the woman provided XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. IL XXXX and told me to " cease & desist from calling us and used my first name ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 I trying to find help with my XXXX account. I came across a company called XXXX XXXX XXXX. I spoke with an individual named XXXX XXXX, he had me download different apps XXXX XXXX XXXX XXXX XXXX, and XXXX. With the XXXX XXXX XXXX app he was able to see my Chime Bank Account. The individual asked me questions ( did I know anyone in New Jersey and XXXX, New York? ). 
Of course I did not and he proceeded to tell me someone was charging my account. The individual XXXX XXXX had me sending amounts through my XXXX  XXXX account on my bank app. The amounts totaled {$5000.00}. And my bank Chime Bank, will not refund my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: 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 confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX The above have violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
i have disputed the accounts multiple times with XXXX, Transunion and XXXX stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
i have disputed the accounts multiple times with XXXX, XXXX and Equifax stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
i have disputed the accounts multiple times with Experian, XXXX and XXXX stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
Equifax Credit Bureau on a soft inquiry on or about XX/XX/2022 by XXXX XXXX for XXXX XXXX XXXX apartments reported inaccurate/questionable information. This resulted in a " credit history unsatisfactory '' finding and a application to lease an apartment denied. Equifax reported a credit score of XXXX but with comments that would make an XXXX credit score impossible. There is nothing in the entire credit report that will substantiate their comments. I have notified Equifax of this situation with a request to expunge the comments and am awaiting a response

Company response to consumer: Closed with explanation