vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
While trying to open an account It was communicated to me that Early Warning Systems were reporting several incorrect personal pieces of information as well as unauthorized accounts on my credit report. I have attempted to contact them several times regarding this incorrect information in the system and removing these accounts. I have attempted to verify myself several times with calling, sending in up to date Identification and utility bill, as well as attempts to verify online. EWS refuses to validate the information or correct the information as well as continue me no access to the dispute process because I have not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXX  15 U.S.C, 1681section 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 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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXX  15 U.S.C, 1681section 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 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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes to Equifax about 2 collection items listed on my credit report from XXXX XXXX XXXX and XXXX XXXX. The original creditors of these items are as follows : XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX and XXXX XXXX original creditor is XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is for {$1000.00} which was first opened XX/XX/XXXX. XXXX XXXX XXXX amount is for {$1300.00} which was first opened XX/XX/XXXX. In these disputes, I expressed that the original creditors, XXXXXXXX XXXX XXXX XXXX and XXXX violated my consumer right to privacy pursuant to 15 USC 1681b 2. XXXXXXXX XXXX XXXX XXXX does not have permission to report anything to my credit report using my information pursuant to 15 USC 1681 4. I would like these items removed from my credit report immediately in accordance with my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XXXX XXXX is the company I went to the company back in XXXX of XXXX  took my police report sent in my driver 's license and social security card signed papers with my signature got documents notarized and took all the proper documents back to the company its been 3 months and no action has been taken from this company about this fraudulent account the amount {$3300.00} this account has been opened on my credit report since XX/XX/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
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I submitted valid and up-to-date information after my Discover It Card verification process. Much later, I received an email about possible account deactivation, stating that the information I was presumed to be incomplete, illegible, or invalid. I have been waiting to receive my card in the mail after having this card on file for months. 

After an email stating they " were unable to verify personal information on your account, '' Discover closed my account without further notice. Now, I am ineligible to apply for a new Discover IT or Discover credit card after talking to three different customer service and account support, and from what I was told, even with my reasoning, I am now being excluded from reapplying and being accepted in the future for a Discover Card for which I was previously accepted. Even though I paid off the card before each due date and correctly used it, overall, it increased my credit score. From what I had been told, this error was address-related. This is likely regarding me moving over the summer for work, as I had changed the address on the account. I even submitted the correct form verification I was sent, yet my account was still deactivated. Now, with this being an issue, it has the possibility of lowering my credit score and making it increasingly difficult to apply for different credit cards. 

As a college student building their credit, I am attempting to apply for new Discover Cards. However, due to a simple miscommunication, my applications are now not equally considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting 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:
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 Account NumberXXXX has violated my rights. Or a 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
New York and Company did not apply my returns to my credit card which turned into late fees. I've contacted the company several times, filed dispute requested letters that I am disputing the charges and they have not faxed, or mailed anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I recently had numerous fraudulent charges come onto my Wells Fargo checking account that were clearly unrecognized charges and they were not able to help me or listen to me. As a result not only did they not provide assistance to get my money back they deemed my account a risk and force closed it after being loyal to them. They also promoted a {$250.00} checking bonus for opening the account if I met qualifying deposits ( which I did ) which was the whole reason I switched to Wells Fargo but they would not honor 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 monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I believe that this decision is unjust and not reflective of my true creditworthiness. I believe that arbitration will provide a fair and unbiased platform to address my concerns and seek a resolution. I am exercising my right to request arbitration to resolve this matter fairly and impartially.

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 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: GLOBAL SOLUTION BIZ LLC.
State: FL

Complaint narrative:
I have been harassed by this company Global solutions biz LLC. I've sent a cease and desist letter, they have ignored it. I have requested debt validation and company verification information and they haven't sent any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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 a 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a {$300.00} prepaid American Express card that I am unable to use. I received it from my work and they said to contact American Express directly. I have contacted American Express and they are unable to locate the card or provide the balance. They had no direction for me. 
When attempting to use at a store, the card doesn't register - as if the numbers don't work. 
When attempting to use online, the card shows invalid. I have called retailers and they are unable to process a purchase. 
The card is not expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax for their failure to respond to my dispute within the legally mandated 30-day timeframe, as required by the Fair Credit Reporting Act ( FCRA ). On XX/XX/, I submitted a dispute letter to Equifax addressing inaccuracies in my credit report. The items in question include : 1. XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXXXXXX - XXXX 5. Bankruptcy Reference Number : XXXX Additionally , I raised concerns about incorrect personal information such as names and addresses. Despite my timely submission of the dispute, I have not received any response from Equifax as of today. This is in direct violation of the FCRA, which requires credit reporting agencies to investigate and respond to disputes within 30 days. I am attaching a copy of the dispute letter sent to Equifax as proof of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I have 2 accounts showing with XXXX XXXX. One inactive, one active. The balance of the inactive account is {$350.00}, but the account closed with the balance. I requested a new/transfer account at my current address. XXXX XXXX started services via online, but requested the previous account balance through my deposit ( {$350.00} ), which is no issue. But XXXX XXXX wants me to pay {$350.00} twice for the active and inactive account. My deposit would have never been the exact amount that I owe from my previous account ( {$350.00} ), if I didn't owe XXXX XXXX. Deposits are based on credit and payment history. There's nothing wrong with my credit, so the deposit was based on my payment history. And the {$350.00} is the payment history. The inactive account has been reported to the collections, but the active account is still open waiting for the {$350.00} to be paid + my current monthly bill. One rep told me the deposit just so happened to be the same as my previous account balance. DUH! If XXXX is basing deposits on my payment history, then of course my deposit is showing as {$350.00} that was left unpaid on the other account. She then went on to tell me theyre systems didnt communicate to each other, so the accounts was split instead of transferred. But, XXXX isn't trying to settle my accounts, transfer them, or combine them. I put my request online to TRANSFER my services, but their system didn't TRANSFER my accounts. Instead, it opened a new account and has me facing two different balances. The reps on the phone are horrible, I spoke to at least 4-5 different people who all had different answers. They were very careless and refused to investigate and determine the root cause of this issue. Their answers were " oh well, you still have to pay the balance, oh well the system didn't transfer your accounts, it's not a deposit, one rep told me it is my deposit and it has to be paid. There was another rep who was a little helpful- she mentioned this has been happening a lot and they havent yet found a resolution. As of now, customers are overpaying until XXXX finds the root cause. 

Helvey & associates is the collections company thats incorrectly reporting this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to investigate my dispute and the false accusation of using an unauthorized third party. On XX/XX/, I submitted a dispute letter to TransUnion regarding the following items : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX 5. Bankruptcy Reference Number : XXXX Additionally, I addressed concerns about incorrect personal information, including names and addresses. I recently received a response from TransUnion dated XX/XX/2023, in which they refused to investigate these items, claiming they do not believe the dispute is coming from me. This is a false accusation, as I did submit the dispute myself. I am attaching a copy of my original dispute and TransUnion 's response as supporting evidence.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXXXX,

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Dear CFPB Please see attached files For months/ years I have submitted complaints to XXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove/Delete these items. These are NOT transaction made by me as a consumer yet XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed/ Delete within 4 days of receipt of this letter. I would like for the item " SANTANDER CONSUMER USA '' listed in the attached documents to be removed/Delete immediately. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
I have submitted several Save applications- one through XXXX and I was on deferred payments until they processed it. I was then consolidated with Mohela who I submitted another XXXX application through. They have not processed my original application or the new application and my payments are much higher than the XXXX i was on before consolidation. I can not afford the current payments and they wont give me an administrative forebearance until they process my save application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I received a call from Southwest Credit Systems in XXXX, telling me that I owed {$100.00} for a XXXX bill. I haven't had XXXX in over three years and told them I didn't owe this. Asked them to send written notification. Never received written notification. Got another call from them in XXXX saying that they were going to report me to the credit bureaus. 

I asked again for written notification. Didn't get it. On the week of XX/XX/XXXX, I saw that my credit had gone down due to a derogatory report from Southwest. 

I called them and found out that the address attached to the account was XXXX XXXX XXXX, XXXX, DE. This is not my home and I have never been there. 

I figured that this was attached to fraud I experienced in XXXX - XXXX when someone stole my social security number. They opened a XXXX XXXX Credit Card. I resolved that fraud and froze my credit accounts. I didn't know he also opened a XXXX account until this week. 

I filed a fraud report with XXXX and have not yet heard from them.

Company response to consumer: Closed with explanation