vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 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: FL

Complaint narrative:
I submitted a request to validate a debt to the credit bureau and they didn't provide me with the correct validation that I asked for. Their response was insufficient and is reporting on my credit erroneously and affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I've Sent 4 Letters, stating there are inaccuracies in my report, 3 to the Credit bureaus, and 1 to the creditor. 

Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have never sent me any of the required information and have broken the law the credit bureau have been facilitating this fraudulent behavior which is breaking the law. here 's what I've asked of them and nothing. they have willingly broken the law. 


- The full account number is not listed on my credit report and as from the FTC statement is also breaking FCRA laws as this is not needed for " privacy '' The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be deleted immediately. 

XXXX XXXX compliance being broken. 

incorrect account status showing, charge off / collection which can not be stated on this account it's reporting incorrect and inaccurately.

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 2022-12-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've Sent 4 Letters, stating there are inaccuracies in my report, 3 to the Credit bureaus, and 1 to the creditor. 

Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have never sent me any of the required information and have broken the law the credit bureau have been facilitating this fraudulent behavior which is breaking the law. here 's what I've asked of them and nothing. they have willingly broken the law. 


- The full account number is not listed on my credit report and as from the FTC statement is also breaking FCRA laws as this is not needed for " privacy '' The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be deleted immediately.

Metro 2 compliance being broken.

incorrect account status showing, charge off / collection which can not be stated on this account it's reporting incorrect and inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've Sent 4 Letters, stating there are inaccuracies in my report, 3 to the Credit bureaus, and 1 to the creditor. 

Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have never sent me any of the required information and have broken the law the credit bureau have been facilitating this fraudulent behavior which is breaking the law. here 's what I've asked of them and nothing. they have willingly broken the law. 


- The full account number is not listed on my credit report and as from the FTC statement is also breaking FCRA laws as this is not needed for " privacy '' The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately. 

Metro 2 compliance being broken. 

incorrect account status showing, charge off / collection which can not be stated on this account it's reporting incorrect and inaccurately.

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 2022-12-25 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: NJ

Complaint narrative:
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-12-25 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: GA

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

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX  XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  number XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-25 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: GA

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

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX Inquiries : 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 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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CUSTOMER : XXXX XXXX XXXX XXXX BANK : CITIBANK N.A. 

NUMBER DEBIT CARD : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX TYPE : CHECKING In XX/XX/XXXX I made a deposit of a check for an approximate value of {$900.00} dollars through the CITIMOBILE app. It is a completely legal check and CITIBANK proceeded to block me, freeze my financial product. 


I request that you intervene to cancel the account and return the money to me. It is a completely legal check and it has already been credited to my account. 

In the financial institution they do not give an answer and they have withheld the money from me. 


XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : 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 2022-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, There was man who put money into my account. They didn't tell me about it or even ask me about that amount. They just return the money back to the person.

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 2022-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo 's erroneous reporting has been damaging my credit for several years, especially with XXXX. In 2018, I suffered an accident, became XXXX, and voluntarily surrendered this vehicle to Wells Fargo at the XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. My loan balance was below {$30000.00} at that time, and the wholesale value of the vehicle was {$32000.00}. Wells Fargo been reporting me to the credit agencies as a major charge off, and for late payments for almost 2 years after I gave them the vehicle. 

I have written to Wells Fargo Auto Credit Bureau XXXX many times, and they have yet to cure the problem and account for the disposal of my vehicle. O bel ; ive that the last 4 digits of my loan number are " 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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo bank employs a practice of charging fees for checks drawn from an account that clear overnight and claim that those checks are from the previous day. I have been carefully monitoring my accounts since XX/XX/2022 and this has occurred 2 times during periods when I have alot of checks clearing from my account. These transactions will not appear when I view my account the night before, then the next day they appear but are dated for the previous day and charged {$35.00} per item. This practice is very deceptive and predatory.

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 monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Repeating overdraft and non Wells Fargo fees over XXXX $ in overdraft fees and then they closed my 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 explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2022, I was not able to log in to my account. I had tried all basic troubleshooting options, including using different browsers, using Private/Incognito mode, using a different computer, restarting the computer, and clearing cookies site/data. I was also unable to log in through the mobile phone app. 

This was not a wrong username/password error, I was receiving a generic Request can not be processed error. 

I called customer service that day and a representative walked me through some additional troubleshooting with no success. They submitted a support ticket for me. I never heard back and the problem was not resolved. 

On XX/XX/2022 I tried to log in to my account again and was still unable to. I repeated the troubleshooting steps I had done before with no success. 

Since I can not access my account, I do not have access to my money.

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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, 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 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Target Card Services suddenly reduced my current credit card limit from {$14000.00} to {$6600.00} even though my account has been managed over many years in an excellent manner. The only reason that my credit card limit was reduced was due to a cancelled payment because of confusion over when my minimum payment was due. I have always carefully ensured that I paid much more than the minimum due over the past 15 or more years that I have had the Target account. I have never missed a payment except for being late one time for my XX/XX/2022 payment by a few days. Once I found out that my payment was a few days late I went on line and made a {$430.00} payment which exceeded what was due. I have been a loyal customer of Target Bank and I have never missed a payment and I have managed my account in a very responsible and timely manner for many years. The decision to make a whole sale reduction of my credit limit by more than {$8000.00} dollars was wrong and careless of the banks ' part. Just because of some confusion as to when my XX/XX/2022 payment was due and my action to cancel a payment because I thought none was due, is no reason to limit my available credit in such a harsh and irresponsible manner and especially to a longstanding, responsible, and loyal cardholder. I want Target Bank Card Services to restore my previous line of credit of {$14000.00} and to apologize for this needless adverse action that will have a negative impact my consumer credit score and status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: OH

Complaint narrative:
To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX  XXXX  account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.

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 2022-12-25 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: Paramount Capital Group, Inc.
State: TN

Complaint narrative:
Paramount Capital Group sent me an email on XXXX, XX/XX/2021 stating that " Your Paramount Loan is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( Paramount Capital Group XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX II. ) XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, 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