vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: MN

Complaint narrative:
Wrong information they are not showing all my loans and as of that showing wrong credit score... They don't have my XXXX XXXX pickup loan on there # XXXX opened XX/XX/XXXX for {$10000.00}. Current owed {$5500.00} 100 % payment history, XXXX XXXX XXXX  of mn. XXXX XXXX XXXX XXXX XXXX MN XXXX... Phone 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 explanation
Consumer complaint received 2022-04-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2022-04-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Theres a fraudulent account named : XXXX XXXX  showing on my credit report and its affecting me to buy a home

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex suspended XXXX of my credit cards, around 2 months ago, for financial review. I sent them 3 years of taxes. They have not provided an update or restored my cards. They remain suspended and I have no idea what the status of the review is. There are XXXX household members who also have Amex cards, but because they earn a higher income than me, Amex treats them more favorably and does not subject them to the same scrutiny and restrictions. Amex has conducted multiple financial reviews of my cards since the first time I became a customer, and I pass each one with flying colors because I have always had income and a stable job, income that only increases each year, I have never missed a payment or had any unsatisfactory record with Amex, but they don't care about that, they just care about making my life difficult while I am in the middle of travels and taking care of my health so I can work and pay their bills. Not sure why they are doing this, maybe because I am of Armenian ancestry, they flag my account all the time despite not having any reason to do so. What are they looking for for so long and so closely? Is it lying around someone's desk gathering dust, or is someone actually reviewing everything? Are they just trying to find a reason to penalize me and are unable to because there is nothing to penalize? It seems discriminatory to me. I would not be surprised if suddenly they responded with a status, and then closed my accounts anyway to retaliate against me for making this complaint. I just want to continue making my payments as I have done more more than half a decade, and use whatever available credit there is on my cards responsibly. Gas is XXXX dollars a gallon, and I take public transportation and walk where I can. I am doing everything I can to live and survive, while the pandemic is ongoing, while I have had to relocate due to XXXX  XXXX perpetrated by the Amex customers from my household, and while I have to work remotely while my work office is closed for over 2 years now through the pandemic. What more do these companies want from me. I am giving them my whole paycheck just to live. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
ACCOUNT SHOWS LATE PAYMENTS. THIS ACCOUNT HAS NEVER BEEN LATE NOR HAS ANY PAYMENT EVER BEEN MISSED.

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 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My issue is with Experian and XXXX. I am submitting 2 letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after 4 calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to 4 different representatives and 4 different supervisors from each company ( 8 people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the 2 late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?

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 2022-04-08 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:
Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home

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 2022-04-08 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: FL

Complaint narrative:
Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home

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 2022-04-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, My name is XXXX XXXX contacting the CFPB regarding my Bestbuy/Citi account on the late payments XXXX 2020. Please see the attached documentation enclosed.

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 2022-04-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
Was never aware the company gave my information out to another company which is against the law. Also amount stated thats owed is incorrect I have a letter to prove this information to be incorrect, also have recorded conversations from the company XXXX  with me agreeing to pay them the amount owed which I held up my end of the deal and made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
The only told me to provide prof of my incoming funds. They told me to send them my cashapp transcript. I sent to them XXXX. I never heard nothing from them. They closed my account with over XXXX $ in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am having problems with two of the three credit reporting agencies ignoring my justified request to remove a XXXX XXXX XXXX mistake, Trans Union and XXXX not only refuse to remove the item but refuse to even discuss its possible removal because the issuer is saying that its a valid claim still Just reiterate 10 years, California I think its three years but even if it wasnt theres a 7 year maximum. Additionally, XXXX immediately removed the item upon my request years ago. I have written both of them many many times over the years with no response and no have reached the point of contacting whoever I can for whatever assistance I can get to get this blight off of my credit. Thank you in advance for whatever assistance you can yield. 

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I have been the victim of Wells Fargo opening three accounts which I did not authorize. They were opened by Wells Fargo employees. Case numbers were XXXX Related Case Number : XXXX. I just received an Email from Wells Fargo saying that I had tried to open an account with Wells Fargo using email address XXXX. I haven't worked at the establishment for 1.5 years. I feel that once again Wells Fargo will fraudulently open an account for me and then bill me as their employees practice deceit. I would never open a Wells Fargo account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: U.S. BANCORP
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with US Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.

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 2022-04-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

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

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 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX XXXX is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.

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 2022-04-08 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: LA

Complaint narrative:
XXXX hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX XXXX is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XXXX, I did an instant transfer from XXXX to my Ally Bank account. After several minutes, my funds were still not available in my Ally Bank account. I called Ally Bank and they said that they were having problems with their system and that deposits made after XXXX EST would not be available until XXXX EST the next business day. This is completely unacceptable. I never received any notice that there was an issue. This is false advertising and unfair to their customers to hold their money and not even notify them.

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 2022-04-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : XXXXXXXX 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 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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc.
State: CA

Complaint narrative:
Two fraudulent ACH withdrawals from my business checking account by Self Lender Inc. as follows : XX/XX/2022 Self Lender Inc. took {$9.00} from my XXXX General account XX/XX/2022 Self Lender Inc. took {$1600.00} from the same account.

Calls to Self Lender Inc. are not returned Emails are replied by a XXXX saying they will look into it but no further response is forthcoming. 

I contacted the Fraud Dept. at XXXX and reported the transactions and they are researching the company. 

I've never heard of this company and did NOT authorize this company to ACH funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Theres a fraudulent account named : XXXX showing on my credit report and its affecting me to buy a home

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc.
State: NJ

Complaint narrative:
Choice recovery inc - I have no knowledge of this account and this company is trying to damage my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX XXXX  under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.

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