vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Account XXXX XXXX -XXXX  Account # XXXX -XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent TransUnion a certified letter exercising my rights under FCRA 609 a ( 2 ) in regards to a public record listed on my credit file. I requested for TransUnion to send the information and all sources that were used in the investigation that was conducted when they came back and verified that the public record was accurate. The letter also requested the data furnisher information including if there was a third party that was used to verify. Well on XX/XX/XXXX TransUnion sent me a letter refusing to conduct a reinvestigation. They also denied my rights under FCRA 609 a ( 2 ). In the letter they listed the court house as the data furnisher but I know that this illegal information on my credit file because on XX/XX/XXXX the courthouse responded to a letter that I sent them in regards to furnishing this information on my credit file. The courthouse responded by claiming that they do not furnish information to any third parties or Credit Reporting Agencies. So why is TransUnion allowed to post the courthouse as the data furnisher when the court never supplied or verified the information with them. They are willingly reporting inaccurate information. They also have failed to provide me the real data furnisher who sold them this information. Finally The Privacy Act of XXXX prevents personal information from being included in Courthouse documents that are posted on the systems like XXXX. So this leads me to believe that they did not conduct a real investigation because they are missing key information like a social security number and birthdate to verify the information. I also never gave TransUnion the right to use my Social Security number or birthdate that is located in their systems to verify information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I deposited a check for $ XXXX on XX/XX/XXXX. 

The check was held for 7 days until XX/XX/XXXX. On XX/XX/XXXX the XXXX factor authentication system failed and I was unable to wire my finds. 

I reached out to the company 3 times with no success. 

I then proceeded to used XXXX transfers to send my money. The online account was then blocked on XX/XX/XXXX and some of the XXXX transfers were also blocked. 

I tried to contact them via phone on XX/XX/XXXX as the email said : " To restore your access to your online banking service, you can reach us at XXXX, Monday Friday, XXXX a.m. to XXXX p.m., or Saturday and Sunday, XXXX a.m. to XXXX p.m. XXXX Time. You can also reach us by calling the number on your statement or on the back of your ATM/debit card. Please note that for security purposes, we will need to verify your identity before reviewing any recent activity. '' Despite this after spending XXXX hour contacting them, I was told they are not actually open on the weekend and that I needed to call back on Monday. 

I then spent over 5 hours on XX/XX/14 trying to get the account unlocked. Finally they unlocked the account. 

I proceeded with another XXXX transfer and the account was blocked a second time. 

I contacted them XXXX more times spending over XXXX hour on the phone and they refused to unlock my account. 

Now they are saying that I XXXX XXXX to the nearest branch to get my account unlocked. The nearest branch is XXXX XXXX away from my location. 


I have lost out on over {$8000.00} in investment profits so far. And I expect to lose $ XXXX week that I am unable to access these funds. 


Please ensure that the bank allows me access to my funds and also compensates me for my losses due to inability to access my funds. 

Thanks, 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 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : -XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOE/XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX of this year my XXXX was acting funny. Slow, freezing skipping screens, etc. I called XXXX XXXX to find out if they could help or perhaps do an update to my phone. There were no updates available and suggested my phone possibly has been hacked. They recommended changing my XXXX ID password, which I did so promptly. 
I then looked at my online banking app and discovered all my money was now missing except for XXXX cents. I then called my bank ( Wells Fargo ) and notified them that there has been a possible hack on my XXXX and my banking app shows my account emptied. I asked if this could be a banking error. Wells Fargo informed me that they will close my account and will be checking into the issue. I never heard back from Wells Fargo at all. Within the next day I discovered my XXXX XXXX card had also been hacked. Multiple gift cards were purchased fraudulently. Unlike Wells Fargo, XXXX XXXX was a great help in this matter and successfully removed all fraudulent charges I. 
Approximately four days later I called Wells Fargo because I still had not heard back from them. They informed me nothing has been done about this and my account still remains with only XXXX cents in it. Approximately two days later I still has not heard back from Wells Fargo so again I called to find out what, if anything had been done. After being transferred 8 times that day I was finally informed still nothing had been done to my account. I explained I have been patiently waiting on my funds to be refunded to my account and to receive my new debit card in the mail. I was informed me there was not even an order for a new debit card to be sent to me. This made me very upset to say the least. A week later I finally received my new debit card. But still no returned funds in my account. To do this day Wells Fargo is doing nothing to protect my account or refund monies that they permitted someone to steal from my banking account on XX/XX/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 monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was scammed by a XXXX seller. I had sent a XXXX payment through my bank Truist on XX/XX/2022 at XXXX. I realized I was scammed and the seller was never going to send me the tickets I purchased. I tried to stop the payment through my bank app and there was no option for this. I immediately called the bank the next day to stop the payment. I waited on hold for over an hour and was told I would need to be transferred to the fraud department. I waited on hold again for XXXX and was told I needed to be transferred to the XXXX department XXXX The person who then answered told me I was transferred to the wrong number and it would be faster to just go to the branch and speak with a bank associate in person. I went to the bank and waited and hour to speak to an associate and he was not able to help me he told me he would have to call the XXXX department too and it would take over an hour. He gave me a direct line and I called and waited on hold for XXXX and XXXX mins. The XXXX rep told me they could not do anything until the payment posted. They indicated there was no way to stop the transaction. They told me to call back once it was posted and report it as fraud. I called back once the payment posted and opened a claim. I received a letter within days from my bank indicating the claim was investigated and closed as it was not found to be fraud. 
I was scammed and had no ability to stop the transaction. This is not fair, consumers should have the ability to stop a bank transaction before it is posted if they feel they were defrauded or scammed.

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 2022-03-15 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: Stone Higgs & Drexler
State: IL

Complaint narrative:
My social security number as well as other information was found on the dark web linked too a completely different name.

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 explanation
Consumer complaint received 2022-03-15 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: IA

Complaint narrative:
The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through Experian # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.

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 2022-03-15 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: TX

Complaint narrative:
I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. 


ELOAN/BPPR/AVANT 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 2022-03-15 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: VA

Complaint narrative:
On XX/XX/XXXX2022, I have written a letter TransUnion and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the TransUnion that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified items must be removed immediately, since they are stopping me to getting into a home. 

1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. TX- 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 2022-03-15 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with Nordstrom, and nothing has been done about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX* -USDOEXXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : -XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOEXXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I rented a car XX/XX/2022, and checked on the Capita

l One Platinum Mastercard website guide to benefits PDF that I have rental car insurance, therefore I declined additional insurance.

A hit and run occurred on the rental, and I called to file a claim with Capital One ; they state they ended rental car coverage. 

The supervisor I spoke to XX/XX/2022 @ XXXX stated this is a problem that continues to occur. I am not the first person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX  Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I turned in an auto lease in late XXXX. In XXXX I was contacted by phone by GM Financial stating I owed approximately {$420.00} as part of the disposition fee. I was surprised because at no time in over a year after I turned it in, did I receive any correspondence informing me that the account was still open and that I owed this fee. However I was offered an arrangement to pay half to close the account. I did, payment was sent and received. I have the letter from GM Financial and cancelled check for {$210.00}, the agreed upon amount to pay. 
Having thought the account was closed. I was surprised to receive calls again at work several months later stating that I still owed money. After explaining the agreed upon settlement previously paid, I usually received acknowledgement from the caller that the settlement info was found in my file and they apologized usually saying they would add that to my notes. 
I had not received any calls for a while until sometime during the week of XXXX XX/XX/XXXX, I received another call at work. After the same discussion, the caller said they would talk to their supervisor and get back to me. 
I was never contacted again before I began getting several notices through my credit monitoring services I had derogatory remarks and charge offs added to my credit report from GM Financia for {$210.00}, the amount they said they would waive in XXXX. I want to stress that at no time did I receive any written correspondence or bills, with the exception of the letter stating the agreement to pay half the amount in XXXX. I have always had excellent credit but these remarks and claims of unpaid debt- which are unsubstantiated- have significantly and negatively affected my credit score. 
When contacted, GM Financial said my account was in the process of being closed and to be patient. However, I feel like their way for closing my account was to charge off the other half they said they would waive, which is dropping my credit rating from 'excellent ' to 'good '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account XXXX : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX -XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) Account # : XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation