vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: MI

Complaint narrative:
My first letter went on XX/XX/XXXX and XX/XX/XXXX disputing a verified account on my credit report XXXX XXXX XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate and also the reported balanced owed change every month. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts 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 non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX RE : ( Business checking account number XXXX ) Dear Bank of America XXXX XXXX name is XXXX XXXX who has been loyal preferred rewards XXXX XXXX customer since XX/XX/XXXX. I opened a business checking account number XXXX and linked all my bank of account and XXXX edge accounts together. As you can see, on my account page, Bank of America ( BoA ) determined my business checking account as platinum honors preferred reward customer ; as a result, I relied on Bank of America information and kept all my accounts over {$100000.00} together. However, Bank of America charged monthly fee {$29.00} from XX/XX/XXXX through XX/XX/XXXX. When I inquired the bank of America customer service, BoA customer rep acknowledged that this is a BoA system issue but only refunded me for XXXX month monthly service fee of {$29.00}. Because of BoA systemic error, as a customer Im being penalized for following BoA policies and procedures, which is totally wrong.

In conclusion, I hereby respectfully request bank of America follow consumer financial protection bureau and banking rules and regulations and stop unethical practices for incorrectly charging me XXXX months monthly fee of {$29.00} in the total of {$89.00}. Also going forward, I already ensured I kept my business accounts balance over {$15000.00} knowing that BoA has a systemic issue of incorrectly determining customer reward status. I look forward to your reply and a resolution to my problem. 
Sincerely, 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 monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am being denied a credit limit increase on this credit card account ending in XXXX. The reasons I am being denied it for are not true. It is saying that my income is insufficient compared to my debt obligations but I do not have excess debt. Everytime I try applying for a credit limit increase, I get a different reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: SC

Complaint narrative:
Trans union has been giving me he'll as someone In Texas has stolen my identity and I called the following companies XXXX XXXX XXXX XXXX XXXX and a company called XXXXXXXX XXXX XXXX they are asking for my ID and so number due to THEM sending their energy to whoever and never asking for their customers to furnish ID thus making my credit bad then u got all kinds of hard inquiries that I didn't make for several loans from like 100 different places which was not me, I mean someone's using my name and then Trans union is giving me a hard time with it being I was homeless how the he'll could I have a energy bill? Then I T looks like the person got energy bills at several addresses and the majority is in Texas... I never been to Texas a day in my life at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans union ignores that I am XXXX XXXX XXXX but they continuously keep making me be XXXX " XXXX '' XXXX ..how when I have no middle name... it's crazy ..Trans union along with their XXXX XXXX  is making me mad XXXX XXXXXXXX.. if u call NOBODY speak clear XXXX which make me think it's a a scam " '' Straight up!!

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 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
I hace asked them to provide me in writing how is they resolved this debt is mine and yet they have not responded I have disputed this debt with experian to removed it and also with XXXX XXXX so far only XXXX XXXX was able to removed it not experian.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Complete Credit Solutions, Inc.
State: PA

Complaint narrative:
i sent a letter on XX/XX/2022 to XXXXand XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2022-12-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i sent a letter on XX/XX/2022 to XXXX XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of the FCRA for reporting unverifiable and incorrect information on my credit report. 

So, how is Experian verifying this information if the information is no longer in XXXX system and the U.S. Bankruptcy court did not give them this information? 

By Experian reporting inaccurate and unverifiable information it has caused me financial hardship in my personal and business life. 

I have attached the letter from XXXX showing proof that this bankruptcy was removed from their system because it could not be verified! 

Also, I have attached a letter from the US BANKRUPTCY COURT stating they did not supply this information to the credit bureaus. 

So, my question is who is supplying this information to Experian? 

I have also attached a screenshot of Experian being dishonest saying that the courts supplied them with this information which is untrue. 

Experian is in violation of not properly investigating and also reporting incorrect information which his illegal per the FCRA. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney genera

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX through Wells Fargo decreased my line of credit from {$2900.00} to {$1000.00}. This was done because my account was considered inactive. I have not charged any items on the account for over 1 year. Due to COVID I was not shopping in stores and I did not need the amount of clothing I had ordered in the past. 

Wells Fargo did not contact me prior to making the reduction in the credit line. I was advised through my XXXX account a change had been made in my credit limits. I started calling Wells Fargo on After several calls to XXXXWell Fargo I received a letter acknowledging my contacting the company. 

I talked with XXXX on XX/XX/1922 who stated a letter from Wells Fargo was mailed to me on XX/XX/22. I have yet to receive that letter. He escalated my complaint to Wells Fargo and I talked with XXXX. I was told by all customer representatives my credit limit could not be restored because Wells Fargo was not making any increases on XXXXXXXX XXXX XXXX XXXX 

Please see the attached documents. 

I received a call from XXXX on XX/XX/22 who again stated a letter was sent to me on XX/XX/22. I was still told Wells Fargo would not reconsider restoring my credit limit just because iit was not doing so.

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 2022-12-14 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: VA

Complaint narrative:
I dont owe this debt to XXXX XXXX XXXX I do not have a contract with progressive 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. In accordance with the Fair Credit Reporting act. Ive been violated. My federally protected consumer rights to privacy an confidentiality.

15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

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 2022-12-14 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: VA

Complaint narrative:
I dont owe this debt to XXXX XXXX XXXX I do not have a contract with progressive 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. In accordance with the Fair Credit Reporting act. Ive been violated. My federally protected consumer rights to privacy an confidentiality.

15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: MA

Complaint narrative:
I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: MA

Complaint narrative:
I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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 2022-12-14 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 am exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within 4 days. 
Identity Theft Report # : 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 2022-12-15 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: GA

Complaint narrative:
I reached out to Transunion on XX/XX/2022 regarding accounts being reported incorrectly on my report. Transunion responded by sending me a letter stating they needed additional documentation to prove my identity. I mailed additional requested documentation to Transunion on XX/XX/2022 which included ID, Social Security Card, Current Bill and an updated copy of the letter. It has been 60 days and they have not responded to me. According to the FCRA laws if they have not responded in 30 days then the items must be deleted. I contacted Transunion by phone on XX/XX/2022 to ask that these items be deleted by law and they refused and insisted that I request another investigation. I DO NOT Authorize them to do any additional investigations regarding this complaint. I am demanding by law that they delete these items due to their FAILURE to respond. I have provided a copy of the letters along with returned date recieved confirmations. I DO NOT AUTHORIZE any additional investigation. BY LAW THIS MUST BE DELETED IMMEDIATELY! I intend to take legal action and will also contact the State Attorney General 's office! DELETE THESE ACCOUNTS

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have put in multiple reports, called and emailed the agencies as well as XXXX to rectify this situation. 

My rights under FRCA have been violated by Trans Union, XXXX, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX XXXX was returned within 30 days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX XXXX XXXX  Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.

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 2022-12-14 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: CA

Complaint narrative:
I have put in multiple reports, called and emailed the agencies as well as collectors to rectify this situation. 

My rights under FRCA have been violated by XXXX XXXX, XXXX, and Experian based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX XXXX was returned within 30 days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX XXXX XXXX Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.

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 2022-12-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lewis, McDonnell & Associates
State: NY

Complaint narrative:
This company is calling and harassing my family members and telling them my personal business

Company response to consumer: Closed with explanation