vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. XXXX is not looking at documents or disputed reasons. They just send a computer message and accept the response. TransUnion also allows them to rubber stamp false inaccurate data on my credit report.

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 2023-05-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX  has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. Experian is not looking at documents or disputed reasons. They just send a computer message and accept the response. XXXX also allows them to rubber stamp false inaccurate data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: LA

Complaint narrative:
XXXX XXXX has continued to list the account with the credit reporting agencies when it had been deleted multiple times and reinserted which is a direct violation of 15 USC 1681i B requirements relating to reinsertion of previously deleted material unless confirmed by the consumer which is invalid. Please delete duplicative reporting that is causing harm to my financial reputation. These reinsertion is violating code of federal regulations FDIC regulations and compliance.

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 2023-05-07 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:
TransUnion is sharing my transaction history on my consumer report without my consent, account # XXXX XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ) that is illegal please delete the late payment or items marked as late from my consumer report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was not handled properly I seen this lawsuit against Wells Fargo would like to know what steps to take

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 2023-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo forced me into a short sell during XXXX, tried to work with the bank. I had to pay for a lawyer and deleted 401k to cover expenses. Wells Fargo, would not let me get a conventional loan and added a HELOC. The HELOC kept increasing making it impossible to pay and I could not switch to an alternative financing. Short sell hit my credit report and the 401k was considered a salary by IRS and had to pay additional taxes and penalties on the early withdraw.

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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im really feeling so bad with the bank is about my real legal whole name doesnt fit on my card and account. They cut my name on my account/ card. It is hard when i have problems with banking they cant find # easily ask me toooo many questions wasted my previous time. 
When i do deposits by check the fund is not ready to use even the teller told me you can use immediately. It always happens I dont remember exact dates. 
Also making deposit used by ATM big currency isnt acceptable. I always need to wait branches business hours and stay in long line. 
Another issue is money transfer to my another bank account. It doesnt transfer fund immediately, stuck between 2 banks. The bank didnt fix problem 2 ; 3 weeks. I need that transfer immediately i was disappointed I couldnt pay my bills on time there was late fee because of mt money stuck I couldnt use it.

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 2023-05-07 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: MN

Complaint narrative:
I am writing to express my serious concern regarding the unresolved issue of information resulting from an alleged identity theft on my credit file. It has come to my attention that you are currently in violation of the provisions outlined in 15 U.S. Code 1681c-2, which mandates the blocking of such information within four business days of receipt of the consumer 's request.

To my dismay, it has been well over 30 days since my initial request for the blocking of the disputed information, and no action has been taken to address this matter. As a victim of identity theft, I assert my rights under the aforementioned law and demand the immediate deletion of the following accounts from my consumer report : Under 15 U.S. Code 1681b, it is clearly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I want to emphasize that I have never provided any consumer reporting agency with written consent to report any information on my consumer report, as doing so would be a violation of my rights as a federally protected consumer. Any reporting done without my explicit written consent is an act of identity theft.

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 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I have no knowledge of this account that is on my credit profile and would like this to be removed immediately! 

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 2023-05-07 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: CA

Complaint narrative:
This information is incorrect there fore when they say it is reporting correctly they are be honest and they have not sent me any proof other than a computer generated letter that they send everyone I have a right to privacy per USC 1681 In accordance with the Fair Credit Reporting act 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 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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is sharing my transaction history on my consumer report without my consent, account # XXXX XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), Dept of ed ( XXXX ) that is illegal please delete the late payment or items marked as late from my consumer report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I was a victim of identity thief a few years back roughly around 2018 I have always had an fraud alert on my credit report usually someone would call me asking security question assure its me before someone apply a credit card in my name with this particular company they failed to follow my written instructions in my credit file at that time, its been a long time since I pull my credit report and I notice quickly there was a collection of {$1400.00} LVNV funding stating I owe them which i never received any notice from this collector, it was even more odd it show they was collecting a debt allegedly from XXXX XXXXXXXX, which I dispute unauthorized charges and fraudulent account with the original debtor known as XXXX XXXXXXXX. And send documentation to the bureaus to dispute these allegations, my credit file was never update by the bureaus I send valid drivers license, showing correct address, plus police report with I have reported twice and follow up. this company is violation of FCRA rights, and 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: MOHELA
State: IL

Complaint narrative:
Mohela XXXX company. 
16 CFR 433.1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR XXXX XXXX  with respect to such contract provided the contract does not cut off consumers ' claims and defenses. 

( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. 

( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. 

( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. 

( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. 
Mohela / XXXX fraudulant companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2023, XXXX XXXX, a Bank of America representative, contacted my attorney and let him know that the mortgage application was declined due to the Debt to income ratio. After the contract expired, the seller gave me a 3-day notice to cure, and BOA made me believe that the mortgage would be approved, however, during the conversation, XXXX XXXX acknowledged that the change of occupancy was an element of the denial, which related to my previous complaint about the BOA changing the facts of the occupancy to charge me more fees. XXXX XXXX changed her story about my income during the last minutes of the process when I originally submitted a corrected W2 and they used the corrected w2 to calculate my income. we figured out the error, and BOA recommended I to file an amended return to correct the error, as we did immediately as requested. BOA further requested to write a notarized statement, stating that I was voluntarily agreeing with the change of occupancy to legalize their policy, and I stated my reason why I agreed with them. XXXX XXXX stated that the income was calculated based on my tax return report, not from the W2, which was originally submitted. XXXX XXXX refused to give me the timeline when BOA changed the course but confirmed that they did not use the income on an amended return. XXXX XXXX also mentioned that the Company credit balance was used to attribute to my personal, despite they knew that my company is a XXXX with other shareholders. XXXX XXXX also used derogatory terms regarding my income as a " flip-flop. '' Based on these acts of BOA, I completely believe that BOA denied my application because I filed my previous complaint about their policy to force mortgagee to pay higher fees.

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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was paid extra fees that I was not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2023 I filed a complaint on PNC BANK because of the inaccurate information I seen on my credit report regarding a repossession. On XX/XX/2023 XXXX XXXX the Executive Client Relations ask if I can reach out to her and I responded to her email immediately. I called no answer or response to my email I sent to her and it XX/XX/2023 she still hasnt reach out or responded. She knows PNC BANK violated my rights as a consumer and FCRA under state law. If this repossession is in collections why is the original balance reflecting on my credit report. After a car is sold a consumer dont owe that original balance anymore. Why isnt it showing that this account is in collections? Why is this reporting inaccurate information on my credit report and why wasnt the documents I requested sent to my mailing address. I feel PNC BANK do this to a lot of people because they didnt think I will catch the scam they are trying to pull on me. I want this removed from my credit report immediately due me the inaccurate reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: WI

Complaint narrative:
Wells Fargo took out over XXXX worth of overdraft fees for payment that were already processed. 


This does not include dipping in my trust fund that included XXXX of my trust money disappearing then being locked out of my account and then wells Fargo stating that they dont know what happens to it.

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 2023-05-07 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-05-07 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: IA

Complaint narrative:
This is now my 3rd round of trying to resolve this issue with EQUIFAXboth XXXX AND XXXX have completely and fully resolved this issue if EQUIFAX does not resolve this issues promptly I will be seeking legal action. 
I have shown supporting evidence that I have entered into the XXXX XXXX FRESH START INITIATIVE PROGRAM and that my account XXXX XXXX XXXX Student Loan account # XXXX under my EQUIFAX credit report is continuing to report not ONLY a debt but even worse as being in COLLECTIONS. They are violating my rights under the federally protected consumer rights to privacy and confidentiality 15 USC 1681c. ( a ) ( 5 ) statute which states that no consumer reporting agency may make any consumer report containing any of the following terms of information, any adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years. As well as USC 1681 s-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. Furthermore and perhaps MOST importantly EQUIFAX is violating my rights Under The XXXX XXXX XXXX XXXX in accordance with the Education Department which states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 4 ) Restored Loan Rehabilitation.Fresh Start doesnt affect the one-time opportunity to rehabilitate loans, granting borrowers another chance at rehabilitation if they default in the future.

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no knowledge of these collection debts on my consumer profile! This is a violation of my consumer rights and a violation against the Fair Debt Collections Practices Act! I would like these items removed IMMEDIATELY! 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Collections : XXXX  XXXX XXXX Collections : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation