vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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:
The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately. 

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.

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 2023-03-22 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: DISCOVER BANK
State: NV

Complaint narrative:
In XX/XX/2022 I became very very ill due to XXXX XXXX and fell behind my payments for my Discover card in XXXX and XXXX. I received accommodation from Discover by waiving my late fees. According to XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( l ) states the following : the furnisher shall report the credit obligation or account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX Wells Fargo banks in XXXX SC rolled on me. 
The XXXX XXXX gat me for {$200000.00} whch was a Wells Fargo check ... non cashier 's check I believe. The check was made out to me from a XXXX winner who donated the check to me out of benevolence... I was selected to win the donation thru an email ballot he had. 
The fundz were diverted by an unscrupulous bank employee at the XXXX XXXX n then she told me to try cashing it at a check cashing store after she alrd cashed the check leaving sequence nos. on the bk of the check. 

The othr branch in XXXX SC rolled on my substitute checks n image cash letters of the amnt of {$7200.00} roughly ... she told me to have a seat whl she verifies the checks n then in came a guy who left the bank with all {$7200.00} in an envelope in his hndz... the wad of cash was XXXX in the envelope n I saw this with my own I 's. This bank was predominantly XXXX n the guy who left with my cash was also XXXX n most likely someone she knew outsd the branch. 


So altogether I lssd {$200000.00} bc of Wells Fargo fraudulent activity within those XXXX branches ... the first time in XX/XX/2022 n the XXXX tme in XX/XX/2022.

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 2023-03-22 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: CITIBANK, N.A.
State: NM

Complaint narrative:
The creditor is Citibank NA who closed my credit card accounts without giving any explanation except that my account is restricted. I called them more than 5 times to get the reason and they kept saying that I didn't update my information and they couldn't keep my account open. This is not correct because I stayed on the phone for 3 hours transferred from one department to another trying to figure out what happened, and no response was provided. the phone calls were between XX/XX/XXXX, and XX/XX/XXXX. I also tried to open a business account with the same creditor, and they denied it for the same " restriction " reason that no one was able to explain to me- '' the credit privileges on your existing account ( s ) are currently restricted ''. So now I have a closed account after being with the same creditor since XXXX, with exceptional history, and denied a new account based on bogus reasons. 
I look forward to your action. 
thank you.

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 2023-03-22 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Contacted Equifax because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. 

Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. 

XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: MD

Complaint narrative:
XXXX  XXXX removed the account number ending with XXXX but they have declined my request for compensation when I am entitled to compensation of {$1000.00} per violation and they report this account on all three of the credit bureaus I am entitled to XXXX per account on each credit bureaus.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: The Aligned Company DBA Extra
State: TX

Complaint narrative:
I contacted Extra on XXXX XXXX XXXX via email because just to find out who a certain merchant was. " Extra Bot '' answered and I asked to speak with a human person, no response. 
On XX/XX/XXXX at XXXX I contacted Extra via phone in an attempt to speak to a human. I left a message both times and was never given a call back. 
XXXX XXXX, from Extra emailed me back on XX/XX/XXXX I then expressed to him that I " just wanted to know the name of the merchant on my account ''. Just the name of the company. 
On XX/XX/XXXX and after multiple emails, I was finally was given the name of the company, XXXX XXXX XXXX. I did make the charges and use XXXX XXXX very frequent so I did not want to pursue anything further. 
On XX/XX/XXXX Extra deposited {$2200.00} into my bank account. Extra reversed charges from XXXX XXXX with out my permission and deposited it into my account! Once I was made aware of this transaction I contacted XXXX XXXX and demand that I speak to an actual person about the issue on XX/XX/XXXX but was never contacted. 
XX/XX/XXXX, XXXX from extra contacted me via email and did not understand that I did not approve or give permission to do a reversal or pursue anything. I informed them that I will deal with XXXX XXXX personally. 
On XX/XX/XXXX, Extra then attempted, with out my permission, to withdraw the {$2200.00} from my personal bank account. 
There is over 50+ emails between XX/XX/XXXX and XX/XX/XXXX, with multiple agents. In every email I stated that I wanted to speak to someone on the phone and that my account needed to be closed immediately. I was never contacted and my account was not closed when I asked. 
From XX/XX/XXXX to XX/XX/XXXX my multiple request for my account to immediately closed was ignored and I was still being charged fees until XX/XX/XXXX. 
On XX/XX/XXXX I found out that Extra had reported a negative mark on my credit report, ( XXXX ). 
I did not charge the {$2200.00}, it was the mistake of Extra and I do not owe them I owe XXXX XXXX. They have no legal right to report their mistake on my credit report. 
Every Extra Agent that corresponded with me about this issue : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE

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 2023-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/23 at XXXX XXXX  I purchased a {$130.00} Vanilla Visa Gift Card with an additional {$5.00} activation fee at XXXX XXXX in XXXX, NJ. On XX/XX/23 at XXXX XXXX  I checked the balance on the card at it was {$3.00}. Apparently someone stole the gift card number and purchased {$130.00} word of merchandise at XXXX. First transaction was for {$100.00} ( XXXX  XXXX confirmation number of purchase ) and second transaction was for {$31.00} ( XXXX  XXXX confirmation of purchase ). I did not authorize either of these purchases. Got in touch with the merchant ( XXXX ) and Vanilla Visa but neither party will reimburse me for the losses. I even have a document by XXXX that states they have located the fraudulent activity and shut the account down of the individual that stole the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I have been repeatedly contacted and harassed and accused of owing money to XXXX XXXX for a membership I never signed up for nor do I know anything about. I have told this law firm ALDOUS & ASSOCIATES this multiple times. I also requested written as well as physical proof of when, where, a witness statement proving that I was ever in any XXXX XXXX location and any paperwork I would have had to have signed and shown my ID to someone so they could verify that it was in fact me who was signing up. They can not provide me with anything other than telling me I owe XXXX some X amount of money. They can't tell on what day this supposedly happened or where or what type of membership or who signed me up. All they gave me was my correct phone number an email address I don't hardly ever use and my address information. All of which is searchable via the internet. This has been happening for over a year now at random. They send me a notice and I respond the same way I call and ask for the information I listed above then they try to get me to verify my info and give them my social and I tell them no. I have never once received a document with a tear off that gives me an opportunity to dispute these claims and when I have asked for XXXX to be sent to me They send me the same payment letter with a tear off requesting my credit card info and offering me 50 % off my original debt amount owed. 
Now they are threatening that my credit report will be damaged until I give them money that I don't owe them or anyone else. I NEVER SIGNED UP FOR A XXXX GYM PASS AT XXXX. 
I made that mistake once with XXXX XXXX in the early XXXX 's and paid that debt off in full back in or around XXXX or XXXX give or take a year on either side that was XXXX years ago. 
I know how the gym membership debt works I have done this before and I paid what I signed up for then and it was never XXXX simple payment of X amount of dollars and at no time do they offer you XXXX XXXX  off your debt owed. 
I feel like this is either a scam or set up. I HAVE BEEN WORKING MY XXXX OFF WORKING ON MY CREDIT SCORE AND THEY BETTER NOT MESS WITH IT OVER SOMETHING I NEVER SIGNED UP FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: MI

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22 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:
This complaint to the EXPERIAN was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. 

They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I have sent numerous letters to XXXX AND XXXX remove an account open fraudulently in my name. They are violating my rights as a consumer. XXXX XXXX has already removed this collection and they still refuse. This is hindering me from getting housing for me and my son. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists. 

FAIR COLLECTIONS & OUTSOURCING Account number XXXX ( INACCURATE ) Date opened XX/XX/2020 ( INACCURATE )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TX

Complaint narrative:
The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act.

According to 1

5 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately.

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.

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 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a notice about Wells Fargo Owing it's clients due to class action suite.. 
My case is I paid my insurance not through my mortgage but on my own. Multiple times I was charged for not having insurance even though I sent it in proof multiple times. Also the insurance they provide was 175 % higher in cost then mine along with back dated bills, one up to a year. I ended up with a new loan but all the Wells Fargo costs were added into the new mortgage so I figured Wells got away with it. It is defiantly a racket. I found out when they escrowed 5 mortgage payments ( no notice ) saying I had no home owners insurance. One year I provided proof several different times for the same time period, I was harassed to pay late fees on the escrowed payments. This happened 4 times costing me countless hours on the phone etc. I would resolve this with them and 4 months later they would try it again. After 4 times, the 5th I told them to go pound sand. They were messing and threatening my credit which was excellent at that time. In my humble opinion these were not random mistakes but a " program '' schemed up by some corporate knuckle head. Every contact with Wells was extremely similar in the way they tried " handling '' me. This scam was from XXXX. Thank you for your time.

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted c.comenity.net- Victoria Secret customer service to advise of the amount that was shown on my XXXX XXXX of a balance of XXXX when my credit limit was {$400.00}. I had made a payment of {$140.00} on XX/XX/XXXX as that was the amount I owed and was sent another credit card that I never activated due to wanting to get rid of another credit card and moving address. I wasn't aware the payment was not taken and was bounced back for some reason. I was made aware on Monday, XX/XX/XXXX, that the balance was now XXXX dollars I called to explain however I was advised that I had to pay the whole amount which I refuse to as I now longer have a credit card open with them. I told them I was willing to pay the XXXX that I had spent I was advised I couldn't so now I have to pay XXXX of interest when they have my email and could have provided this information to me with detail of the XXXX paid in XXXX not going through and I could have avoided the XXXX of interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 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: GA

Complaint narrative:
XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED

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