vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX U.S. Bankruptcy Court, 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 non-monetary relief
Consumer complaint received 2022-04-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX U.S. Bankruptcy Court, 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 2022-04-15 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:
Disputes not corrected! Insight - XXXX  cards, etc.As example from current report- '' This item was updated from our processing of your dispute in XX/XX/2020. '' Disputes filed over a week ago unresolved and posted incorrect. Score actually went down. Posting incorrect balances!!!!!

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 2022-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy.

1. ( XXXX XXXX XXXX XXXX XXXX Account # : XXXX This account contains incorrect information in regard to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof 2. ( XXXX XXXX XXXX XXXX XXXX XXXX This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been talking to Transunion for 2 weeks now about my credit file being suppressed and its holding me back from starting my job that I desperately need. They refuse to tell you anything over the phone. Ive sent in proof of my identity with a cover letter like they asked for, and still nothing. I never asked for my report to be suppressed and it should be a simple matter of handling this over the phone.

Worst experience dealing with a company that Ive had so far. 
Also when you call in, each employee tells you something different.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In early XX/XX/2022, I reported to SunTrust Bank ( now Truist ) that, on XX/XX/2022, it had cashed a check drawn on my account that was clearly a forgery. 
I had written a {$100.00} check to a charity ( XXXX XXXX Fire Department ) and mailed it during the week of XX/XX/XXXX. The check was somehow stolen from the US Postal Service, and then the payee and the amount was changed and raised to {$7500.00}. The check cleared and SunTrust debited my account. 
The payee on the forged check was a person unknown to me ( XXXX XXXX ) or ( XXXX XXXX ). 
XXXX was that the back of the check bore no resemblance to a SunTrust check. Moreover, the check appeared to have been cashed using a check cashing service. It may have not been financial service located in the United States.

The SunTrust bank manager agreed that the back of the check clearly was unlike the checks the bank issues to depositors and that the check did not appear to have been cashed at a bank. The SunTrust manager said he would report the matter immediately and the bank would conduct and investigation, which would involve the US Postal Service and other relevant authorities.

However, more than three months have passed and, despite numerous efforts on my part to request information and updates on the fraud, the response from SunTrust, including the Maryland area regional manager, is that the investigation is pending. 
Up to today, the bank has not restored the stolen funds, asserting that there have been so many such cases in recent months that the fraud investigators are overwhelmed and under staffed. 
It is my view that the banking system 's automated check clearance process should have caught this fraud, particularly when a check cashing service is being used rather than an established bank. 
SunTrust clearly has recourse to the parties involved in the fraud and can demand financial restitution from them. Moreover, the automated check clearance process will inevitably invite fraudulent transactions. The costs of such fraud should clearly be borne by the banks themselves ( and the banking system ) and this should be seen as a normal cost of doing business. 
I would appreciate your views of this matter and next steps that can be taken.

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 2022-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several hard inquiries that are in my credit that I did not authorize. I called XXXX  and sent letters to get it deleted and still nothing happened.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I had a moment I looked at my phone to see there was a high alert with my email account indicating that someone was trying to access it at that moment from another location. Shortly after this alert, I logged on to my bank account and made sure there was nothing going on. I immediately noticed an unauthorized charge to XXXX of {$33.00}. Concerned, I called Wells Fargo and spoke with someone momentarily. I was at school, so I couldn't complete the conversation. Within the hour, my phone was not able to receive or make phone calls because of an outside source and I had no way to freeze my account. By the time I came home from work, I checked my account and it went from {$6000.00} to {$600.00}. While in tears, used my partners phone to call Wells Fargo, because my phone was still unable to make or receive phone calls. Wells Fargo representatives seemed incompetent with their knowledge of what protocols should or shouldn't happen-but I was sent to the 'Fraud department ' wherein I was assigned someone to take on my case. This individual just took a verbal statement- and I never heard from them again during the process of investigation. The fruadulent transactions happened in New York while XXXX XXXX XXXX  in Arizona. Further, I could confirm I did not authorize those charges-but the person conducting the 'investigation ' did not thoroughly look into this. At the end of the 10 day investigation, it was determined that my claim was not fruad and my funds were denied to be returned to me. As a side note : I had to get a new number and new sim card from XXXX. What was discovered was that the sim card in the system suddenly didn't match the one in my phone. The clerks were baffled by this but there was no way for them to explain it. I knew prior to seeing my funds disappear, that I was the victim of a cyber attack-the phone sim number being changed in the system confirmed it. This was a high tech crime and not handled correctly by representatives at Wells Fargo. Additionally, I did report this to the FBI cyber fraud/activity department. With this devastation of my bank account being wiped out-and the bank handling this so unfairly-I am seeking outside help. XXXX XXXX XXXX XXXX divorced- previous stay at home mom and that checking account was all I had.

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 2022-04-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy 3. AMERICAN EXPRESS ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: VA

Complaint narrative:
On XX/XX/XXXX my credit score dropped XXXX points. I was originally told online through XXXX XXXX it was due to a change in income. I have not changed jobs for over 16 years. My income has gradually increased. I reached out to TransUnion on XX/XX/XXXX and talked to XXXX. She told me it was due to one account being over a few dollars but the data was outdated. She also said it was because I opened another credit card. I was told opening a credit card and keeping the balance low would help my credit. I monitor my credit score through all three major credit bureaus. TransUnion is the only bureau to drop my score so drastically in one month. The other bureaus dropped my score by one or two points when I opened the new account. This makes sense since the account is so new. Dropping a credit score XXXX points would take years to repair. I believe this is an error in their system.

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 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Finance System of Richmond, Inc.
State: IN

Complaint narrative:
I received my first notice, i promptly sent the alleged debt collector a certified letter of validation. After 90 days I have yet to receive any validation. I received many statements and phones attempting to collect. When I answer I explain to them the debt hasn't been validated and I will not talk to them until it is. How do I get this to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy. 

1. Bank of america ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof

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 2022-04-15 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: PA

Complaint narrative:
I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2022-04-15 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: WI

Complaint narrative:
I finally got a resolution when the Attorney General from California actually did something unlike the CFPB who has not intervened or done anything. I thought everything was resolved until some disputes and credit inquiries were sent to me last night on Experian alerting me. I DID NOT SUBMIT ANY OF THIS! I HAVE NO IDEA WHAT IT IS OR HOW IT AFFECTS ME. AND THEN I CHECKED MY REPORT AND THEY REAGED MY ACCOUNT ... ... ... ... ... ... ..AGAIN!!!!!!!!!!!!!!!!!!!!!!!! I AM GOING TO SUE EXPERIAN IN FEDERAL COURT AND I HAVE MULTIPLE CASES AND PROOF. HAVE YOUR MANAGER CALL ME. I CALLED EXPERIAN AND FINALLY GOT THROUGH TO A HUMAN. I ASKED FOR A SUPERVISOR AND THEY SAID THEYD CALL ME IN AN HOUR. IT HAS BEEN 5 DAYS NEVER RECEIVED A CALL AND THEIR RESPONSE VIA EMAIL WAS THEY DO NOT DO CALLBACKS. I AM SICK OF THIS XXXX I HAVE BEEN DEALING WITH THIS FOR 5 MONTHS. I HAVE NO IDEA WHAT XXXX XXXXXXXX XXXX XXXX OR WHY THERE IS A CREDIT INQUIRY THAT HAS BEEN REMOVED OR WHY MY ACCOUNT IS REAGED AGAIN AND IF WHEN THEY REAGED DID THEY PUT A HARD CREDIT PULL ON IT SINCE THEY HAD IT CLOSED XX/XX/2022 TRYING TO CLOSE IT XXXX. THESE XXXX  USED A TEMPLATE AND DID NOT REMOVE THE STUFF FROM ANOTHER MEMBER CLAIMING BANKRUPTCY AND CRAZY XXXX. I HAVE NOT DISPUTED MY MORTGAGE WHY IS MY MORTGAGE BEING BROUGHT UP! IT HAS TAKEN ME MONTHS TO FIGHT THESE BATTLES WITH THIS DISGUSTING CORRUPT BANKS AND I CAN NOT APPLY FOR MY HOME LOAN UNTIL THIS IS RESOLVED!!!!!!!!!!!! YOU ARE RUINING MY XXXX LIFE.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX I began working at XXXX XXXX for the owners of the business. I ran the company but was not an owner. In XX/XX/XXXX, I applied and was given a credit card Chase XXXX XXXX card. I did have to put in my social security card number. 

I left the company in XX/XX/XXXX but the card continued to be in use. In fact the password was changed on the card and I lost access to even log in. The debt continued to climb in my absence reaching it's current debt of {$48000.00}. Several payments were missed starting in XX/XX/XXXX. 

In XX/XX/XXXX I reached out to the company 's owner, XXXX XXXX and he agreed to take on ownership of the card and it's liability. I applied for a change of ownership/liabiltiy through Chase 's process but in XX/XX/XXXX received word that Chase had denied the change of ownership. 

In XX/XX/XXXX Chase applied the debt to my personal credit score, dropping it from XXXX to XXXX overnight. Chase has refused to give reason for the change of ownership denial and has drastically effected my credit score despite giving them a better opportunity to transfer this liability to the actual company owner. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy 1. JPMB ( CHASE ) BANK ( XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Home Mortgage. Trying to refinance has {$22000.00} in overdraft charges along with {$40000.00} in unexplained " Other Charges '' I can't get refinanced now

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