vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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 2023-04-26 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: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have previously reported card as fraud that showed up on my credit report. As previously stated she used my name and credit to get the and the bill sent to her mailing address and I recently discovered this. I have called Elan twice and told them I didn't even know what the credit card number is I told them my mailing address and they admitted it was not same what they had. They told me I would not responsible for this but yet they have send me a bill for over {$14000.00}. Hope you can help me this. 

XXXX XXXX XXXX XXXX : I have attached a copy of the police report I filed. I actually met with the detective today.

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 2023-04-25 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: CA

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX XXXX XXXX account is not accurately being represented on my Equifax consumer report. The account is missing information and has inaccurate information. Truly and accurately express the XXXX XXXX XXXX account details or remove the account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
Hello, My Wells Fargo XXXX XXXX was used on XX/XX/XXXX for numerous charge attempts that were not authorized and fraud. Wells Fargo Bank authorized one of these in the amount of {$2200.00} to XXXX XXXX. I did NOT make or authorize this transaction. I have filed two claims with no resolution. I personally went into my local branch yesterday at XXXX XXXX  and was treated terribly. They told me to go call the airlines and get documentation. I asked if we could call together so they could hear everything. They laughed and said no you can go call from your car. I did this leaving me no choice and of course the airline wouldn't provide me with anything unless I had a booking number which obviously I don't have since I didn't purchase anything. 

There were approximately XXXX attempts that day. Today is the XXXX of XXXX, Wells Fargo will not refund my money and I am overdrawn. I have escalated this case to every superior manager I can. I have gone into the branch and treated horribly. I have been a very loyal and good customer for 26 years. The individuals who stole my information tried again today and called my cell phone saying they were Wells Fargo Fraud Dept. I said I didn't believe them and they hung up on me. I contacted Wells Fargo immediately and told them of this call. They could see the attempts again but still will not give me back my {$2200.00} I don't know what to do. I have {$17.00} to my name and work very hard for my money. 

Can you please direct me or assist me with any rights or actions I can take. 

XXXX XXXX XXXX I spoke with even said on the phone she didn't know why they approved XXXX Here is her info : XXXX P. XXXX number : XXXX XXXX Office Case XXXX Enterprise Complaints Management Office Thank you so much 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 monetary relief
Consumer complaint received 2023-04-25 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: VA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 sec. 602 states i have the right to privacy. Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.

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 2023-04-25 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
hi, i have a late payment with ALLY FINCL which is not accurate as I always paid my bills on time. i was trying to get a mortgage, but my lender said I had a late payment from years ago and really want it remove as according to consumer law & the fcra unveriable items must be deleted off my credit report. 

15 U.S. Code 1666b - Timing of payments : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

please remove this late payment on account : 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 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Please see attached supplemental information for this business. Attempting to payoff the loan for four weeks! Business is UNABLE to provide online access. Business has no record of my account when I call customer service. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By the way, also following Federal Trade Commission report # XXXX and previous CFPB Complaint against debt collection agency # XXXX. As a consumer I have rights. I may only be XXXX XXXX XXXX with being new to credit only having a credit card or two of only XXXX dollars in knowing my rights. There are laws that abide to me and I will exercise them over my body. 15 USC Code 1 692 ( g ), 15 USC Code 1681, On XXXX XXXX XXXX, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD

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 2023-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
ABC Fitness repeatedly called me before XXXX XXXX, leaving voicemails in an attempt to collect a debt. Their website for checking accounts doesn't work, the automated system for payments doesn't work over the phone either. ABC Fitness charged me twice in one month and hasn't responded to a dispute opened by my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Update and remove the account that is inaccurate. Please see the documents I attached to confirm.

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 sec. 602 states i have the right to privacy. Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.

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 2023-04-25 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: VA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 sec. 602 states i have the right to privacy. Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
Update and remove the account that is inaccurate. Please see the documents I attached to confirm.

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 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted by someone posing as a Bank of America ( BoA ) representative. The number they called from matched the one on the back of my BoA debit card. He said that someone tried to use XXXX to transfer money from my BoA checking account. To thwart the transfer, he said he would assist me in transferring the money back to myself. I realized this was a scam halfway through ( even though the text messages with verification codes that he was sending to my phone were sent -- like official BoA texts -- from a five-digit number ). This resulted in {$2000.00} being transferred from my BoA checking account via XXXX to this unknown individual. I immediately went to my local BoA branch the same day ( XX/XX/XXXX ) and a staff member helped me call the BoA Claims line. I filed a claim and am awaiting their judgment. However, I have seen reports that BoA often declines to reimburse people who authorize a XXXX transfer as a result of fraud/scam. But it also came to my attention that in XXXX of XXXX, the CFPB made it clear that if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT ( electronic funds transfer ) from the consumers account, that does meet Reg Es definition of an unauthorized EFT. CFPB further states that when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. '' If possible, I would like the CFPB to contact BoA on my behalf and reiterate this position to the claims department handling my claim. Thank 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 monetary relief
Consumer complaint received 2023-04-25 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: Fidelity National Information Services, Inc. (FNIS)
State: ID

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER ( 2 ) LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH ( 1 ) ( B ) ONLY ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
On XX/XX/2023 ChexSystems violated my rights, and broke the law, according to The Fair Credit Reporting Act, two times. According to the law cited above the first offense and violation came when ChexSystems shared my personal experiences with another entity and without my consent. The second violation of my rights, and the law actually came on two separate days. According to The Fair Credit Reporting Act, ChexSystems failed to disclose my consumer report when I requested it on XX/XX/XXXX. On XX/XX/XXXX I requested my consumer report a second time from ChexSystems. This violates the law stated below.

15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
I XXXX am also attaching a invoice for Actual and Statutory Damages. I will also provide proof that ChexSystems Shared my information without my consent and the damage this shared information caused.

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 2023-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX my husband went inside our local Truist Bank to make payment on our car loan. In XXXX they started calling saying they had not received the payment. We spoke with a representative and told them we paid what date, and the amount. We also on XX/XX/XXXX at XXXX emailed them proof we paid. XXXX came and the same issues. XXXX came with the same issues. XXXX my husband went inside the bank to speak with the bank employee XXXX XXXX who assured us this would be resolved. Meanwhile, we were receiving collections calls every day all day. XXXX still no resolution and my husband again went to the bank but this time spoke with the branch manager XXXX XXXX who called corporate and said he would get this resolved .... still about every day we were receiving phone calls even after I asked them to stop calling and to email and send correspondence via mail. So finally on XX/XX/XXXX I went to the bank and spoke with XXXX XXXX myself and took a copy of the front and back copy of the check showing where Truist had deposited the check. He again called and spoke with someone in corporate and assured me that it was resolved and no more calls but on today XX/XX/2023 not only me but my husband has been receiving collection calls and WE OWE NOTHING!!!!

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