vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX hit me badly. I have underlying illnesses that made dealing with XXXX really hard and for that, I was out of work with no pay and didnt qualify for unemployment because technically, I wasnt unemployed, my employer took a long time to clear me to return to work after I tested positive for XXXX, even after I provided a negative test once I was well again. Under the CARES Act, creditors must make accommodations for people having trouble making payments. I realized a dip in my credit score and when I checked for why I realized I had a 30 day late payment from XXXX XXXX XXXX. I reached out to XXXX Bank  asking for some other type of payment arrangement with no luck from the representatives in which I was in communication with. As soon as I got back on track, I continued to make payments on time and scheduled automatic payments. I am still making on time payments. I am a human being. I have exceptional payment history when it comes to paying my bills on time and I have exceptional payment history when it comes to paying XXXX Bank but things did get hard for me and I couldnt work due to me being sick so I did fall back on payments but I am back to paying on time. I have read different situations where XXXX Bank did offer a Good-Will adjustment to most individuals and Im hoping that can happen for me. Im not negating the debt but I am stating that this was a one time thing for me. This is my only late payment and it is really ruining my life. I have attached 3 {$0.00} paystubs that I received from work. I didnt allow the account to go into collections. Im still making payments, Im just a human who had a hard time in a situation that was out of my control.

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 2022-05-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states 604 A section also states a consumer reporting agency can not furnish without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open card account under an open consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Marlette Funding, LLC
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, 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 non-monetary relief
Consumer complaint received 2022-05-01 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: TX

Complaint narrative:
I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is threatening to close my account if I do not walk in the branch and show them my Identification.

Keep in mind this threat was made before the account was even open. 

They understood that I did not complete the application process. Then sent me welcome letters 2 days later after the threat. 

On Tuesday XX/XX/XXXX XXXX pm Welcome, XXXX XXXX Thanks for choosing Wells Fargo. Here are ways to get money into your new checking account. 



On Thursday XX/XX/XXXX XXXX Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because information provided when the account was opened is inconsistent with internal and public records. The accounts are expected to close by XX/XX/22. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 

Seems like their is some sort of discrimination going on here. I do need to speak to corporate and all parties responsible for inaccurate reporting will be sued. 



Before my account was even open rep told me that she would be blocking all incoming deposits. How would they be able to do that if my account wasnt open in the first place so thats why they rushed to send me the welcome letter just to block the 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 explanation
Consumer complaint received 2022-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX acccount # XXXX Date opened XX/XX/2020 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

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 2022-05-01 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 INQUIRES 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 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  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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX  {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that 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 2022-05-01 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: FL

Complaint narrative:
I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: FL

Complaint narrative:
I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. 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 2022-05-01 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:
In accordance with the Fair Credit Reporting act US DEPT OF ED Account # 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 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 2022-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Collections account I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: IN

Complaint narrative:
In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
there was an entry put on my credit in XX/XX/XXXX for Synchrony Bank/Care Credit . Where did this come from. I immediately contacted Synchrony bank at the number provided on the credit. When I called and thy searched their records and there is not account with my nae and social security number. I even called a second number at Synchrony bank and thy verified that I DID NOT HAVE AN ACCOUNT. I contacted all three credit bureaus and submitted disputes on XX/XX/XXXX I just received the outcome of the 3 investigations and that's why I am filing this complaint. I received notice that the info is accurate but that the credit report was changed? XXXX deleted the tradeline and XXXX XXXX and XXXX verified the account and it remains on my credit. this report hit my credit for the first time on XX/XX/XXXX for the time period XXXX to XXXX. Never received a bill, no contact, no contract. 
This fiasco has caused my credit to lose over XXXX points and they know it. 
PLEASE INVESTIGATE THIS TRAVESTY IF ITS HAPPENING TO ME ITS HAPPENING TO OTHER VETERANS AND FLORIDIANS.

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 2022-05-01 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report.

1. Creditor : XXXX XXXX for XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX 2. Creditor : XXXX XXXX for XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX 3. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 4. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX 5. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX 6. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX 7. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX XXXX XXXX. I have also attached images of the USPS Certified Mail receipt.

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. 

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry. 

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 2. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. XXXX 3. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 4. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX 5. Creditor : XXXX XXXX  for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX 7. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX XXXX XXXX'. I have also attached images of the USPS Certified Mail receipt.

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries.

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry.

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: PA

Complaint narrative:
I contacted the fraud department at US Bank, told them I believed I was the victim of identity theft. They confirmed someone had used my social security number to apply for for a credit card, but had no one available to help me and were not able to post anything that the card was fraudulent. I would have to call back when application services was open. 

According to their website you are to contact them immediately if you believe you are the victim of identity theft, but they then have no one available to help.

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 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I cancelled Pay Pal and closed the account. Now they are trying to collect monies on the closed 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 explanation
Consumer complaint received 2022-05-01 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been filing disputes with the 3 major credit bureaus for months, and receive no answers to my disputes...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been filing disputes with the 3 major credit bureaus for months, and receive no answers to my disputes...

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