vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as 100 percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. 

Experian XX/XX/2022 reported 90 Days Late, XXXX reported nothing, and XXXX nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 Experian without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. 

One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when XXXX or Experian does not report a " Last Activity '' and XXXX deleted the Entire account. 

Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, and Experian to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if XXXX reported " {$25000.00} '' and Experian reported " XXXX '' and XXXX Removed account. 

The Payment History is Incomplete rating with Years of positive payment history missing. 

Experian has changed the " CO '' date to XX/XX/2022 and XXXX reported " XXXX  '' 15 USC 1681a 2 ( 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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX sponsored another company called XXXX. I was told that if I fill out their promos Id be giving credit for doing so. I spent over $ 100+ and am being told they didnt track the fact that I did the promo. Now I am out of money and they are claiming they cant help. Wells Fargo is also saying they cant help despite the fact I was told one thing and the company did something else which should be considered deceit and/or misleading me I wouldnt have done the promo if they didnt offer a reward for doing so which is grounds for a chargeback I didnt receive the service I was told Id get. They also declined my claim. Hopefully others dont bank with them as they try their best not to help you.

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 2022-05-20 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: AL

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

XXXX XXXX - XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  Bankruptcy XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-05-20 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: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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:
Experian Reporting : XXXX XXXX I informed Experian the debt was past 4 years statute of limitations in Illinois. 
Nothing happened. 

I called again and they quoted FCRA which allows them to publish negative information to 7 years from date debt was incurred.

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 2022-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2022, I went to WELLS FARGO BANK in XXXX XXXX, XXXX, and presented a Purchase Money Loan and a Retail Purchase Agreement for a car from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with me. I presented to him the above items for processing. XXXX XXXX XXXX hereinafter " XXXX '' XXXX questioned who did I get the XXXX XXXX XXXX. I told him XXXX XXXX XXXX XXXX emailed it to me. XXXX then said he can't do this because they only deal with the car dealership, not the consumer. He also said that they only do personal loans and business loans. I then asked him to forward it to the credit department and let them process my request. He refused instead, made a call to the credit department and XXXX XXXX told him that the dealership has to go through the department in order to purchase a car. I then presented a Purchase Money Loan for {$5000.00}, for goods, services, and household products and again XXXX said he can not do it because he only deals with personal loans and business loans. I told him this was a personal loan and he said I would have to apply by way of a credit application. I informed XXXX that my presentment is my application for a Purchase Money Loan. He said he could not accommodate me. Under Title 16 CFR Sec.433.1 ( d ) entitled me to this request. Please provide me an email and I will forward my presentments to you to support my claim of unfair and discriminatory practices at the WELLS FARGO BANK IN XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX ***, XXXX XXXX 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 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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX ***, XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: GA

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX sent my subscription. To collections after I paid my annual fees and was only subscribed for a year. I didn't even use it but once or twice. But the issue is my email account, my debt card and my phone were all stolen. So that account was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX, XXXX CREDITOR : XXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : # # # # # XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX  XXXX and myself! Please send the proper validation

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 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
Hi, Hope this finds you well. I have two, both below {$60.00} accounts that were added to my report that hit my account without my knowledge. I am currently in process of taking out a mortgage, and these two incredible small payments that i had paid in full the second i was noticed are hurting my account over 100 points. 

The XXXX XXXX Account was kept without my knowledge for over 2 years, and was only brought to my attention when a credit pull was taken, I was never reached out to by the utility provider nor debt collector.

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 2022-05-20 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX ( " XXXX, XXXX '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called XXXX. XXXX and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from me.

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 2022-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
NEWDAYUSA ADVERTISEMENT ON XXXX XXXX STARES THAT THEY CAN GET VETERANS AT LEAST 25 % MORE CASH THAN BANKS OR CREDIT UNIONS. THAT IS 100 % FALSE. THE ADVERTISEMENT ALSO STATES THAT THEY CAN LOWER THE VETERANS PAYMENTS AT LEAST {$600.00} A MONTH. 

HOW CAN THEY POSSIBLY KNOW THAT? THIS IS AS DECEPTIVE AS IT GETS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: LA

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I opened an XXXX checking account on XX/XX/XXXX since they advised I will receive {$250.00} welcome bonus if I make 2 direct deposits within 90 days. 

But I didn't receive the {$250.00} after I made two payroll direct deposit to my account within 90 days. I contacted customer service in XXXX and the representative said I still need to wait 45 days after my second direct deposit ( which deposited on XX/XX/XXXX ) and there is nothing more I need to do since I already fulfilled the direct deposit requirement for welcome bonus. 

On XX/XX/XXXX, I found I still hadn't received any bonus. So I contact customer service again. This time I received a different response. I was told I can not receive the {$250.00} since I didn't have {$1000.00} balance at the end of 90 days after I opened my account ( which should be around XX/XX/XXXX ). But they doesn't mention this {$1000.00} requirement on their disclosure ( and they even changed the new disclosure, a screenshot of the old one is attached ). 

On the disclosure, the only sentence mentioned about {$1000.00} is " XXXX relationship must be open and in good standing with a minimum balance of {$1000.00} to receive promo incentive ''. This sentence doesn't say anything about 90 days. 

So in short, the disclosure said : 1. The Requirement : two direct deposits within 90 days.

2. When to Receive : 90 days after meet requirement ( the second direct deposit ) 3. How to receive : Have a open account with {$1000.00} minimum balance I don't have {$1000.00} balance at my account now, but I could still deposit before the 90th day. But XXXX customer service just told me I am not qualify since they want a {$1000.00} minimum balance on 90th day from the date I open my account ( It is easy to notice that this explanation is different to disclosure ). 

XXXX bank are trying to be dishonest on their promo disclosure and refuse to pay customer the promised bonus. Their first customer representative said I don't need to do anything and would see my bonus in 45 days. And they didn't compliance to it too.

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 2022-05-20 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account numbers : # XXXX, # XXXX, and # XXXX, have 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, 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 explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I lost {$1900.00} in an advance payment scam. Multiple callers working in tandem, posing as a police detective and ICE agent, convinced me that I was under investigation for illegal activity involving a passport linked to my birth country. In this way, I was tricked into sending money through Zelle to someone who I was led to believe was an attorney handling the case. I was told that the money was an insurance deposit against my trying to run away from the investigation. 

When I realized I had been scammed, I immediately contacted my bank, XXXX XXXX. They told me that there was nothing I could do to retrieve the funds through XXXX, but that I could file an IC3 complaint, which I did. After calling XXXX again today ( XX/XX/XXXX ) and getting someone else on the line, I was able to file a dispute on the transactions. 

The phone number to which I was tricked into sending the money was XXXX, and the name that appeared on the Zelle account of this number was XXXX XXXX. The first XXXX representative I spoke with told me that this account was apparently linked to a XXXX XXXX XXXX. I found XXXX XXXX XXXX XXXX Loss Control Department phone number ( XXXX ), but I can not get anyone on the line and have received no responses to my voice messages left over the last two days. 

Today, I also filed a report over the phone through Zelle 's customer service line. I haven't been given a copy of my reports with XXXX or Zelle, and I do not know how long it will take to receive a response. 

I've attached screenshots of the Zelle payments to XXXX XXXX and the phone numbers of the imposter ICE agent and police ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have asked to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) the credit bureau have filed of the accounts listed on my credit report. The failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-05-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have asked to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the credit bureau have filed of the accounts listed on my credit report. The failure to positively verify these accounts has hurt my ability to obtain credit.

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