vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have noticend an incorrect and unauthorized item appeared in my 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 2023-03-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account Number XXXX 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. and lastly 15 U.S.C 6802 ( b ) Opt-Out I was never given the option to opt out and not report to my credit with out pressure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NV

Complaint narrative:
The debt is for an apartment. The apartment company never notified us that we owed money, so I asked the debt collector why I owed. The woman told me per HIPAA laws I had to pay to have the carpet replaced, which is clearly false. This was after I asked them for an itemized detail of the debt owed which they refused. I asked for their address to send proof I dont owe money, two agents refused to provide their mailing information. All I wanted was a chance to show that I did not owe what they were claiming, because I have documentation that proves I do not owe money. One agent said if youre poor and dont have money just say that and called me a liar when I said that I didnt owe the money. The person then hung up on me. Ive talked to multiple agents from this company and they have all been verbally abusive. In addition to this, I have asked that they dont call me yet they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/, I fell victim to an internet fraud scheme whereby I was duped into wiring a large sum of money ( {$54000.00} ) from my XXXX XXXX XXXX XXXX XXXX checking account to what turned out to be a fraudulent account at Bank of America ( see attached IC3 report ). Luckily, our local XXXX, CA BofA branch was able to intercept and freeze that account while my funds were still there. After filing police and IC3.gov reports, I was told that BofA should soon return the funds to my credit union. After waiting nearly two months, I was informed by my local BofA branch that a Hold Harmless agreement was being requested by BofA to my credit union but BofA never actually reached out to my credit union directly. After another two weeks, through the help of the XXXX XXXX XXXX XXXX XXXX XXXX, an FBI investigator got involved and was finally able to get the XXXX and BofA fraud depts to work together to get the Hold Harmless agreement from XXXX to BofA. However, it has been almost 3 weeks since the BofA investigator has returned the FBI investigators calls to verify that the Hold Harmless issue is unblocked and that the return of the funds is in progress. I was even given a case number by my local BofA branch but when I call the BofA Wire Dept, they admonish me for even having this case number and tell me that they will not give me any information. At this point ( soon to be 4 months since the ordeal started ), I have no idea when or if my money will be returned. I feel like I've been victimized twice : first by the original perpetrators and now by BofA. They have no right to hold onto my money. If I could just get some indication that the process for returning the money is unblock, and maybe an estimated timeline, I would could relax and wait. The stress of this ordeal is starting to effect my health.

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 2023-03-29 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My card has disappeared on or around XXXXXXXX XXXX. I called American Express and reported I was not aware of charges. There were charges made out of town while I was in XXXX. My card was stolen and being charged. Now they sold my debt to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings credit reporting agencies, my name is XXXX XXXX and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my information without my written consent according to 15 U.S.C. 1681 Section 602A and 15 U.S.C. 602A Section 2. please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report and I as a consumer whose rights have been violated. I fully am expecting to see positive changes to my report immediately thank you. 

In accordance with the Fair Credit Reporting Act. 
U S DEPT OF EDXXXX Account XXXX XXXX has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because, I, as a consumer, have the right to privacy, and the creditors are clearly not respecting my rights. This is very unacceptable and action needs to be taken immediately in the works of fixing my consumer report. 

15 U.S.C. 1681 Section 602A. States, I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states, that a a consumer reporting agency can not furnish an 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 2023-03-29 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: FL

Complaint narrative:
Car loan has been paid off and they deleted negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MN

Complaint narrative:
In accordance with the fair credit reporting act. The list of closed accounts below has violated my federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) 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.

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 2023-03-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo inserted foreclosure cost on a mortgage that was under XXXX revision and was attached as an amendment to the mortgage. Mortgage was sold shortly after revision was completed. Ballon due from foreclosure is greater than {$50000.00} to inflate the value of the loan when sell the portfolio.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: FL

Complaint narrative:
These account was open when I was n the XXXX and I never used or apply for this credit card. The company refuse to accept that it was identity theft.. I file a FTC report they refuse to remove the item XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened US BANK Account number XXXX .... 
Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2500.00} written off. {$2600.00} past due as of 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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent, benefit from nor authorize any of the following accounts/Inquiries : Accounts : XXXXXXXX XXXX XXXX- Account # XXXX Date Opened- XXXX XXXX, XXXX Amount- {$2800.00} XXXX XXXX XXXX- Account # XXXX Date Opened- XX/XX/XXXX, XXXX Amount {$500.00} Inquiries : 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 explanation
Consumer complaint received 2023-03-29 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
The reporting company did not inform me the consumer of the right to opt out of reporting private information to third party agencies directly violating 16 CFR 313.7 form of opt out notice to consumers ; opt out methods.

I am aware I have the right to privacy of my non public personal information according to 15 USC 6802 the sharing of this private information to a third party without consent is identified theft.

No direction on how to opt out of sharing was expressed to me the consumer. Wells Fargo is violating 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. This notice is to please cease and desist all illegal activity which constitutes collection activity. This is also a notice of exercising my rights to prevent the processing of my personal date by Wells Fargo for the account opened on XX/XX/2021

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
First, I have banked with chase since XXXX, and have had checking, savings and credit cards through chase. I didnt run into financial trouble until the past year. I didnt realize how TERRIBLE their fees are. How can you run a bank and be willing to take so much money not just me but a huge number of customers? We all have trouble and have to go negative but with chase if they would just let it sit negative until we get paid I wouldnt be complaining. They have made it so hard for me to get caught up just because of the fees. For example, in the statement from XXXX XXXX XXXX XXXXXX/XX/XXXX chase charged overdraft fees of {$810.00} and refunded me ONLY {$100.00}. The statement the month prior, {$92.00} on over draft fees, that was Never refunded. The statement from XXXX to XXXX, they Charged me {$370.00} in fees NONE refunded.I can keep going but I think that hopefully gets the point.. I also have some things to say about the credit cards I have with chase. I have the proof showing the past 4 months I couldnt pay the see I had to It was getting too high but I still paid some, they closed my card. The other card I have, no late payments, and on auto pay they closed that roo. Im struggling financially from chase taking fees from me its not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My student loans were transferred to Mohela last year. I have been working in public service since XXXX and have made qualifying payments for years. Prior to Mohela, my loans were held by XXXX then XXXX. I was enrolled in XXXX and XXXX, working full time, and making qualifying payments. Furthermore, I was told that the COVID relief program meant that each month of relief would also count as a qualifying payment. My qualifying payments should be XXXX, but on XX/XX/XXXX -- 6 months after I submitted my paperwork -- I was notified that I have only 13 qualifying payments. I have tried to contact MOHELA customer service and was on hold repeatedly, then told that I need to call back another day. I asked why someone couldn't call me back and I was told that they had too many calls, which makes no sense. They are a financial company and surely are able to take a message and call a customer back. I feel mistreated and defrauded. Any help you can provide would be great. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief