vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I applied for a personal loan and was denied because of credit factors and score. It said i had no score and they cant determine my eligibility due to my credit worthiness. I sent a letter to notify them of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: IL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: IL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I've tried to satisfy this debt for a few weeks, but they won't talk to me. I need to settle this debt ASAP so that I can get approved for a new place to live. I've called twice, and the collection team was " busy. '' I left a note for them to call back. When they didn't call back I called again, but they didn't answer anymore. There is nothing else I can do to pay this debt.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: COMMERCE BANK
State: OH

Complaint narrative:
On XX/XX/XXXX, the card was approved. Without warning. 10 days later on XX/XX/XXXX, it was denied. It was a {$1000.00} limit. I had to pay cash at XXXX because I was given a bait-and-switch card. After 2 days on hold with support, they told me that " bad financial information was given '' in error. 

20 days later, they had notified me of closing the account by sending a letter, denying any wrong-doing whatsoever. 

I had called the lady responsible for Commerce Bank 's credit approval and denial, and they gave me an XXXX XXXX excuse as to why they denied it, citing made-up people on my file that wasn't even there. They tried to pass the buck to XXXX and anyone they could. 

Upon calling back to follow up with XXXX and XXXX, they said my credit score was fine and in good standing. 

The credit reviewer said they would " take a look '' at this deceitful company and try to get even MORE information out of me, sending me a selfie and photo ID and driver 's license which I flat out refused and declined to do. 

Is there anyone willing to help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: NY

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN GROUP LTD AKA EXPERIAN PLC commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: MD

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My report on Experian needs to be accurately reviewed there are accounts that need to be removed they have different dates and other bureaus have removed them or have a differnent date this will be the last time I send this in for dispute I will have to take this further if needed experian neds to follow the fair credit act and review my credit.

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 2023-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I finally won my Social Security XXXX case that started in XXXX. At that time I called Social Security XXXX in XXXX, WA to change my account to my new banking account or should I say an account that was opened over a year ago with XXXX XXXX XXXX XXXX. I had thought they changed it, but as usual, someone " dropped the ball '' and I had to go into the SS XXXX and change the account in person, which was XX/XX/XXXX. In the meantime, SS had explained the money was returned back to them. I ended up having to file a congressional with XXXX XXXX XXXX 's office because they have still been stalling on making the changes. HOWEVER, at no point was I told by the Social Security XXXX NOR USAA that XXXX DEPOSIT had made it through to a USAA CLOSED SAVINGS ACCOUNT. The original deposit was to be made in early XXXX for {$2300.00} minus XXXX payments for XXXX. I received a envelope dated XX/XX/XXXX from USAA. I had no idea why they would be contacting me because BOTH checking and savings accounts had been closed XX/XX/XXXX. It was a check for the amount of {$2300.00}. It indicated it was for a credit. A credit for what I have no idea. I have a different definition for a credit versus a deposit. So, USAA sat on this money until they sent the check. It was to be cashed Promptly. I took copies of the letter and attached check before cashing it. I received a letter from the Social Security XXXX XXXX XX/XX/XXXX stating the same amount USAA sent me was returned to them by USAA. I have no idea what USAA was thinking, but they are a huge part of the problem now and why I filed the XXXX. I sent this information to XXXX XXXX 's office to add to the paperwork for the XXXX. Once I faxed it, XXXX XXXX, XXXX XXXX Representative for XXXX XXXX, sent me the information about the new federal law and suggested I file this complaint. I am tired of government agencies and Banks taking advantage of us " little '' people. I am a combat Veteran who served a total of 20 years and 22 days of XXXX XXXX and this type of deception really does not set well with me. If they had just returned that money when it came to a CLOSE ACCOUNT, I probably would not be filing this complaint. I have spread the word about these deceptive type of practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app closed my saying that I violated my account but I havent used my account since XXXX XXXX then when I try to ask them how I violated the terms I get no response or they are being rude hanging up on me but nobody has given me the exact reason to why my account was closed and I have used that account since XX/XX/2021 I used that to pay my bills and everything and there is no explanation as to why they shut my account and also my daughters account which was connected to my account I have never misused my account because I need it for important things

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Theres a fraud alert on my XXXX XXXX, Experian and XXXX credit report. Banks, credit unions, financial institutions and companies can not verify my identity through XXXX XXXX, Experian or XXXX because of the fraud alert on my XXXX XXXX, Experian and XXXX credit report. Furthermore, more I want to Opt-In and receive pre-approved credit offers by mail or email.

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 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have been contacted repeatedly by this company about a debt I do not owe, I believe it is a scam email and do not want to contact the sender, nor click on any links. The company name that is contacting me is LVNV Funding LLC, the email that is continuously contacting me is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: VA

Complaint narrative:
I received my credit report on XX/XX/XXXX  and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct 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 explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a checking account with Wells Fargo, and I received a promotional offer to Get {$2500.00} bonus when you upgrade your banking relationship to Wells Fargo Premier. My offer code is XXXX. 
A banker, at the branch, applied the offer code and upgraded my relationship to Wells Fargo Premier on XX/XX/2023. I received a promo code validation from the banker. 
I have met all offer requirements ( please see description below ), but I did not receive the {$2500.00} bonus. 
The bonus requirements are as follows : 1. " Upgrade to a Premier Checking by XX/XX/2023. '' I upgraded my account to a premier at the branch on XX/XX/2023. 
2. " Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a {$250000.00} balance through Day 90 after account upgrade. Qualifying linked accounts include ( a ) bank deposit account balances ( checking, savings ) ( b ) investment account balances. 
In my case, I needed to bring a total of {$250000.00} or more by XXXX XXXX, XX/XX/2023. By XX/XX/2023 ( Day XXXX ), I already had over {$250000.00} in new deposits in my 3 qualifying linked accounts. ( {$25.00} in the checking account, {$25000.00} in savings account, and {$220000.00} in my investment brokerage account ). The 90 Day was XX/XX/2023, yet I continue to maintain over a {$250000.00} balance through today, XX/XX/2023. 
Although I met all the requirements, I did not receive the {$2500.00} Bonus.

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