vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

Account name : 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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

Account name : 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 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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Routing Number : XXXX Account Number : XXXX Username : XXXX I have been unable to close my checking account with Wells Fargo. Wells Fargo here assumes all liability for any fees associated with the checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2022-11-08 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; A XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/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 2022-11-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXL Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: SC

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/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 explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
It started out with my friend in school posted a pic saying that she made this much in this amount of hours. Thinking that it was my friend, she wouldnt lie about it. In the post, she mentioned a person that was her mentor. So I decided to message the person, thinking that its a great opportunity to make more money to help my parents. Time went by, I invested around 9k, which was all of my savings. At this point, it was too late to do anything. I realized that my friends account got hacked and it wasnt her that posted. The person that was supposed to be my mentor kept giving me promises that Ill be able to withdraw it but they kept asking for more money. At this point, I sunk, I was devastated, dont know what to do, cant stop crying because they wont give me my money back. I reached out to XXXX XXXX XXXX, they couldnt help. As well as Zelle which was where I sent the money using Zelle in XXXX  XXXX XXXX app. They couldnt help me neither. Im only XXXX, I really cant let my parents know, Im trying so much to get my money back. Im currently working with payback to help getting my money back but it has been almost 3 months. Im not sure if itll work and Ill be able to get my money back. I used Zelle to sent {$1500.00} on XX/XX/2022, {$2400.00} on XX/XX/2022, {$450.00} on XX/XX/2022, {$3000.00} on XX/XX/2022, and {$800.00} on XX/XX/XXXX and plus {$100.00} using bitcoin atm. Thats why I decided to reach out to you, please have a look at this. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony is a bank that lends primarily to those who take advantage of zero interest accounts for large purchases. I have recently had XXXX accounts closed with them that have such balances AND I have been in good standing all of them. I have never missed a payment, but they dictate that I have a high proportion of balances and therefore not considered a good risk.

This is also part of their long game when they lower the available credit limit on the amount they initial approve you for AND they also use the recalculated XXXX score that was made by their lowering of the credit limit. 

It's unfair to approve someone for an entire amount, they agree to the terms of zero percent for financing the purchase ( often the purchase amount is higher because of the merchant fee they charge ) and then charge interest now for saying the account is in default on an account they closed when the account was in good standing to begin with. 

I do feel this would violate areas of Regulation B.

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 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am formally disputing the interest charges that have been applied to my account from XX/XX/XXXX which as of XX/XX/XXXX totals {$270.00} I responded to the Hilton Honors AMEX offer that I was sent for a new card with 0 % intro APR for the first 12 months. This was the primary reason why I signed up for this card knowing that I would have a larger balance on the card for the first year. 

When I got my second billing statement I noticed that I was charged interest on my balance. I contacted AMEX to dispute this and report that I was not given the offer that I initially signed up for. I was told that this was being investigated and I would hear back in 10 business days. ( reference # XXXX ) When I did not hear back, I reached out again and was told that the investigation would take an additional 1-2 weeks. When I followed up again, I was told it would be an additional 6-8 weeks to complete the investigation. 

When I contacted customer support again on XX/XX/XXXX, I was told that the investigation was concluded and they did not find any evidence that my offer included a 0 % APR for the first 12 months and that no further action would be taken. I told the representative that it clearly states this offer on the postcard I received and this was the offer that I accepted using the offer code XXXX when I signed up at XXXX. 

The representative informed me that they could not see the previous documents that I had uploaded showing this offer. 

I told the representative that I felt that this matter was not thoroughly reviewed and that the offer that I initially signed up for was not correctly applied and that I have been fraudulently charged interest over the last several months. 

The representative created a new dispute ( reference # XXXX ) to have my concern reviewed again. 

At this time, I am respectfully requesting that the interest that has been charged to my account from XX/XX/XXXX forward be credited back to my account. 

I will continue to seek a resolution on this issue until this error has been corrected and I have been credited the interest that I have been incorrectly charged. 

Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
History : On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXXXXXX for the amount of XXXX. XX/XX/XXXX I was approve for a permanent modification with XXXX XXXXXXXX XXXX, XXXX. My payments was reduced to XXXX. About 6 months later after my Modification XXXX. transferred my loan. My Loan has been transferred with 3 other banks from XXXX, and there has been misapplied payments on my account over the life of the loan. 

XXXX XXXX SELENE purchased my loan and immediately started the foreclosure proceedings alleging that I owe XXXX. I disputed that dollar amount and requested in writing to provide me with admissible legal proof of the debt. Selene has failed to provide me with admissible legal proof of debt, but yet wants to force me into accepting a higher payoff than I actually owe and failed to investigate my complaints. Which is a violation of the FAIR DEBT COLLECTION VIOLATION ACT. 

SELENE~ has also failed to acknowledge and accept my previous loan modification that was implemented by XXXX which is troubling because it violates their own servicing guidelines set forth under the government 's making home affordable program, therefore breached the contract. 

I was instructed to submit another loan modification package. Selene accepted the package after telling me I would be considered again for a modification, but yet still decided to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX old daughter

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 2022-11-08 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: KS

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX for deletion of unverified or validated information. 

1. XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4800.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

4. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

5. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

6. XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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