vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX} which according to Experian was opened on XX/XX/XXXX. Also, XXXX in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX which according to Experian was opened on XX/XX/XXXX. Also, XXXX in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.

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 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Dear CONN APPLIANCES , INC . 

Your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused serve damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and house purpose. 
Per : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Please remove account XXXX from all reporting agency immediately or will consider taking legal action against you. 
LAST REPORTED DATE, DATE OF LAST ACTIVE AND DATE OF LAST PAYMENT are all inaccurate. 
I have enclosed a copy of all inaccurate information Exhibits A and a copy of my driver licenses and utility bill as proof of identity. 
I tried to send you information regarding this matter in my mail was return the address you guys are reporting on my consumer report is also wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX} which according to Experian was opened on XX/XX/XXXX. Also, XXXX  in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.

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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I did a bank to bank transfer on XX/XX/2022 between XXXX and TD Bank. 
Within my XXXX XXXX, I transferred {XXXX} from TD Bank personal checking to my XXXX XXXX XXXX XXXXk personal checking. 
I checked my balance today XX/XX/2022 and XXXX XXXX has a hold on my account until XX/XX/2022. This is unacceptable. 
I called XXXX XXXX and after 80 mins of multiple department transfers, I was told that they couldn't see a valid reason for the hold but couldn't make my funds available. 
I also called TD Bank and they stated that yes the funds is not available in my checking account but they couldn't reverse the transaction so I can cash the check instead and that I had to wait until XX/XX/XXXX for my money to be available. TD Bank also had no reason for the delay in the transactions. 
I would like the funds released immediately and for banks to be held to the same standards as consumers. The money was cash money deposited in TD Bank. No reason for the hold for 5 days. Unacceptable behavior by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: NY

Complaint narrative:
I disputed these accounts and they keep updating that my accounts with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX belongs to me. I keep telling them my info was used but those accounts were opened by me they were opened fraudulently. I want these accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning is lying in their reply to my complaints. 
They have obeyed the law, blocked the item as required, then broken the law by reinserting the item WITHOUT the authority of the law. 
The info is coming from the bank, XXXX. They are in cahoots with each other. 
Early Warning is the CRA, they report the info XXXX gives them. I, as the consumer, can provide 4 documents to the CRA and by law, the CRA must block to items I identify in 4 business days or less. 
Early Warning has done this multiple times. 
Now the law, section 605B of the FCRA allows the CRA to reinsert the item if 1 of 3 criteria is proven. 
1. Asked block was in error. 
2. Material misstatement of fact by consumers. 
3. Proof that the consumer received goods or services from the blocked item. 

These are the ONLY 3 reasons a block can be lifted. 
NONE of those 3 exist. All 3 are not true. How does Early Warning add the blocked item back onto my file with them? They break the law blatantly then call my complaints frivolous. If they are true and backed by the police findings and law, how can my complaint be frivolous?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: NH

Complaint narrative:
Southwest Mediation Service called about a legal action for unpaid bills from XXXX XXXX XXXX, regarding magazines that were issued but not paid for. the phone # that they called for is XXXX. One of the magazines mentioned was XXXX XXXX  I called them directly and they confirmed that I don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2020 I purchased a vehicle from XXXX XXXX XXXX. I had a pre-qualified offer from XXXX XXXX XXXX. Instead of using XXXX XXXX for my creditor XXXX XXXX  XXXX pulled my credit report with different companies, which made my credit score drop very quickly. They did not inform me that they were making all those inquiries on my credit. They matched me with Wells Fargo. I believe I am the victim of predatory lending and would like to file a complaint against XXXXXXXX XXXX XXXXXXXX and Well Fargo. They took advantage of me because of my age.

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 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA GLA COLLECTIONS XXXX XXXX XXXX XXXX, KY XXXX on behalf of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a derogatory claim on my credit report. They never reached out to inform me that this account was on collection. Never made contact or communication, it wasn't until I started a dispute that a representative from GLA contacted me. 

This collection debt comes from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a bill that XXXX XXXX has been requested XXXX XXXX and the Physician XXXX XXXX XXXX XXXX office to provide copies of the treatment. XXXX XXXX has provided the patient claim disclosure that I do not owe anything. XXXX XXXX never responded. I didn't received any communication, early in the process I paid {XXXX} and received communication that it was going to be refunded because I didn't need to pay the {XXXX} this was going to be paid by XXXX XXXX. 

Then, I never received any information until XXXX XXXX  sent me a notification of a derogatory mark on my report. You will see on my document attached of all the information I have done to resolve this issue. GLA or the XXXX XXXX never communicated this until I opened a dispute on the credit report agencies, then GLA starts calling me that I owe this money. 

XXXX XXXX still maintains their position, the patient ME do not owe any debt to XXXX XXXXXXXX that they need to submit the paperwork. 

This has put my credit down for XXXX points. I personally called GLA and they stated the account is already accumulating interest. 

This is very frustrating, because I work very hard to keep a good credit pay my bills and out of the blue without any further notice XXXX XXXX XXXX sends a debt ( that is not correct ) to a collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Someone took money out of my account and stole my money. I didn't authorize these transactions and someone took my wallet and money and stole my monies without my permission. I had to replace my driver 's license and social security card and also I seen transactions in New York and I wasn't there.

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 2022-03-31 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and upon review my consumer report I noticed personal information such as addresses reporting inaccurate- the following addressing listed below do not belong to be and I have never lived at. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Well, I had an absolutely horrific time with this lender prior to this issue regarding the processing and closing of my loan. Finally had to get resolution by submitting a complaint to the XXXX XXXX XXXX 

I thought with my refinance in XXXX I was free of the errors and hassles around dealing with Cross Country Mortgage until it came time for taxes. I do not have a 1098 from them. It's XX/XX/XXXX and I need to do my taxes. I reached out last week after learning from XXXX, the servicer XXXX transferred my loan to, that XXXX can not provide me with a 1098 that reflects anything prior to the transfer. That's on XXXX. 

Basically they need to send me a 1098 ASAP so I can get my taxes done and be free of them once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent EQUIFAX a dispute about unauthorized inquiries on my consumer report and they keep saying that they verified that these inquiries were factual but did not provide me with the proof that they are. I do not recognize these inquiries and nor did I authorize the said companies to pull my credit. I contacted the listed companies and they informed me that they were never contacted by EQUIFAX to verify anything and they advised me to file a dispute with EQUIFAX again to have these inquiries removed. I even submitted FTC with my dispute and EQUIFAX has yet to remove these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$18000.00} in a Wells Fargo ATM, before the deposit was completed I got an alert that the funds would not be available until XX/XX/XXXX would I like to continue, base on the date given I chose to make the deposit instead on take the check to the issuing bank or taking cash for the issuer. Partial funds were release on XX/XX/XXXX with Hold of {$12000.00} dated to be released on the XX/XX/XXXX. I reach out to Wells Fargo several times regard the hold and was finally told by supervisor XXXX that they cant release the funds because it has not been received i should go back to the part t hay gave me the check. I reach out the the issuer and they contacted their bank, XXXX XXXX XXXX, they confirmed that the check in the full amount of {$18000.00} was realease on XX/XX/XXXX and provided me with the reference number. I then call back Wells Fargo and spoke to XXXX in escalations and briefed him on the situation and also provided him with the reference number and his response was it doesnt matter if they have recieved the funds they will not release the funds until the date they set and there is nothing he can do about it. If Wells Fargo has received my money I should be able to access it and not them hold it to invest until they decide to allow me to access it. I will close my accounts after 35 years based on these policies, I don't think are right!

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 2022-03-31 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:
In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX '' with the balance of {$1100.00} 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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been shopping around the past week for potential loan options for home improvements. On my credit report you will see many soft pulls which I agreed to as the websites ( through site disclaimers ) or contacts I was working with explicitly confirmed that the application or written consent was for a soft pull which would not impact my credit score. From a XXXX search, I clicked on a link and redirected to a website for Discover Home Loans. I proceeded to fill out information in the application. On the page where I must consent, one of the disclaimers that I had to agree to for them to obtain a credit report. However, I know from shopping around that obtaining a credit report does not warrant a hard pull to my credit, and I was initially cautious. Before I consented, I thoroughly browsed the site to see if anywhere they noted that agreeing to the consent form was in fact a hard pull, but there was no verbiage whatsoever that I could find. So I consented, and immediately after I got a notification of a change to my credit score. This was rather infuriating, as someone who has been pretty diligent to only focus on soft pulls, to be deceived by a site that did not fully and properly disclose that I was consenting to a hard pull of my credit. I called Discover and tried to press my case but they argued that unfortunately there was nothing they could do and I agreed to a hard pull of the credit report. However, I have a screenshot of their consent form area, and it says " obtain a credit report '' which does not by any means translate to a hard pull knowing that " obtain a credit report '' is ambiguous and could also mean a soft pull, like I have done with other lenders while shopping around. Having an education background in marketing, I find this to be a deceptive marketing practice, and I am guessing other may have had the same experience not knowing how to address this. I feel site must clearly designate whether an application will result in a hard or soft pull and a protection to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Chime Financial Inc
State: WV

Complaint narrative:
I have chime bank and I had XXXX transactions totaling XXXX unauthorized from my debit card so I locked the card on the app and called chime member services to report the unauthorized charges and they said my card was compromised and that they was issuing a new one in XXXX to 7 days I received a new card on Tuesday XX/XX/XXXX I called and reported it on Sunday the XXXX they priority ups next day aired my new card and told me that the transactions were pending and I needed to wait until the account settled to make a dispute so I wait until Tuesday the the XXXX they settled I started the dispute against the charges and XXXX hours later they send me a denied email saying no error occurred and that they stand by their decision and consider the matter closed so I called back to talk to the dispute team and they said file a rebuttal so I did and submitted screen shots only to get another email the same as the last saying they stand by their decision so I filed yet another rebuttal and submitted several screenshots and was emailed the same message again so basically they don't want to give me any of the money back

Company response to consumer: Closed with explanation