vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In early XX/XX/XXXX I noticed several fraudulent transactions on my Wells Fargo Debit card totaling around {$2900.00}. 10 transactions total. These transactions are 100 % fraudulent and include payments to a XXXX XXXX cruise line and out of town vendors that I do not recognize. All transactions were conducted without the presence of my debit card, ie, were entered manually with the card information without the card present. Immediately upon noticing these fraudulent transactions, I filed a fraud claim with Wells Fargo. I learned today, XX/XX/XXXX, that Wells Fargo has denied my claim. I spoke to numerous people in the fraud claims department and all have told me that Wells Fargos decision is final and my only recourse is to file a police report or to contact the merchants directly. On one occasion, I asked to speak with a supervisor and was placed on hold for 30 minutes before hanging up. This is unacceptable. These transactions are clearly fraudulent.

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 2022-06-10 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:
On XX/XX/XXXX and again XX/XX/XXXX, The Credit Bureaus stated that a Public record of a Bankruptcy on my Experian account number XXXX and reporting XXXX Bankruptcies on my XXXX report account numbers XXXX and XXXX these public records are not be shown on my XXXX report. I have contacted of theses public record and the courts have provided me proof of not having any record in there system. Also they stated in letter that they don't provide information to the credit bureaus. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well. I have sent them certified letters on the dates listed above.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter to credit reporting agencies XXXX and Equifax. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX  Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. 
2 ). CRAs include Equifax, XXXX, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. 
5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I received communication from XXXX Collections company, regarding an owed debt to XXXX XXXX. Upon my return call, I asked what the debt was and they informed me that it was for a rental house in XXXX, Texas. I don't live in XXXX or even the county of where XXXX is located. I informed them of how Long I've lived in my city. They let me know that I would need to fill out fraud paperwork with them. They sent me the packet and also strongly encouraged me to file a place report. Which, I have done. So far, my name was the only thing used. Not my social or bank information.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : 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 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
In XX/XX/2020 I moved from the home owned at the time by XXXX XXXX. Due to foundation issue and flooding I was promised to be removed out of that home into another XXXX  property by The Supervisor at the time XXXX XXXX because the home was no longer in living conditions due to molding and the walls detaching from the home. My children had to undergo XXXX stay because of the molding. XXXX XXXX and myself were in argreement that me and my family will be moved and placed in another home, especially with a child with XXXX XXXX XXXX and a XXXX XXXX XXXX After the let down and my family being displaced. I later found out that they are alleging I owe a sum of {$12000.00}. I reached out to an attorney who also wrote them. Which the attorney didnt receive no correspondence. I have over the amount of evidence from pictures, statements by the insurance company, emails from XXXX, and etc. When we reached out to them for the last time they said the no longer owned the debt because the home was sold to another company but yet its still reporting on my credit. Its reporting false information and is violating the fair reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alorica Inc.
State: GA

Complaint narrative:
I asked XXXXAlorica Inc not to contact me or my wife ( co-signor ) by phone. They received mail from me disputing the alleged debt and failed to validate according to 15 USC 1692g. They called my phone and I missed the call, as I was working. They called my wife and stated I told them not to call me but left out I said do not contact us by phone. She then told them to only speak to me regarding the account. The responded to my initial dispute and then failed to respond to my rebuttal. They then spoke to a 3rd party I gave no consent to have my information and told them to call me. The agent spoke about the company moving into repossession stages and further discussed me paying XXXXAlorica Inc XXXX I informed her of XXXXAlorica Inc failing to respond to the rebuttal and that they were in default. I then stated that her calling still counts as a violation and also identity theft as I did not give permission for her company to have my information. On XXXX XX/XX/2022, an agent XXXX XXXX contacted me by phone to discuss the account. It was an inconvenient time as I was filing a document in court. I asked his permission to call him back. XXXX XX/XX/2022 I spoke to XXXX. I brought him up to speed on the account and he asked for copies of the affidavits furnished to XXXXAlorica Inc . I have proof of XXXX XXXX cyberstalking one of my social media accounts. XXXX XX/XX/2022 I sent the copies to XXXX and informed him if any further injury was caused to me or my wifes consumer reports, that communication would serve as a notice of intent. I can forward whomever gets this complaint copies of everything as well as provide certified mail tracking numbers. Thank you for your diligence. The account is for a XXXX home my family currently domiciles in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: WI

Complaint narrative:
In accordance with the XXXX XXXX XXXX and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-10 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: WI

Complaint narrative:
In accordance with the XXXX XXXX XXXX and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: DISCOVER BANK
State: ID

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 2022-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

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 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 2022-06-10 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:
I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.

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 2022-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
Toledo new I was going through a financial issue. The manager XXXX somehow got my brother 's contact information and contacted him and told him she was going to the judge to take paperwork due to missing payments. Then my brother contacted my dad, whom then contacted XXXX. XXXX then told my father also that I was behind on my loan and she was going to take paperwork to judge..my dad paid a payment for me so she wouldn't go to judge. Neither of them are on my paperwork and if I'm not mistaken noone is to disclose any information with others except to inform them that they have a personal business matter ... my father is stressed out as it is and his health is my main concern. Now thanks to toledo finance in XXXX tx my dad is stressing over a situation that he shouldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, Transunion, and XXXX are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. XXXX XXXX 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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ok, I opened a account with Chase Bank on XX/XX/2022. Ever since I did I been having problems after problems with them. Ive called over 70 times and went to the branch when ever I got out of work early just to speed off to the branch. Nobody wanted to help me but they sure were quick to accept my deposit. I dont understand why they offer online/ mobile banking when we have to go to the branch to repeat the process. Beats the whole purpose of online banking. Dont offer these services if they arent available. I dont have access to nothing been locked out ever since. I tried to get them to open it just so I can pay my rent and someone opened it for me and once I sent my rent through XXXX they blocked the payment and locked me out again. So I called and they told me I was doing FRAUD. Excuse me you dont even know me to be accusing me of such a thing like that. They kept hanging up on me and would throw me to the dogs when I went in the branch. Keep in mind Im late on rent because of this so now I have to come up with XXXX extra in late fees plus the rent. My landlord is mad cuz I told him that I cant pay until I get my money released. So now I broke his trust. Im never late on rent and I hate the fact that Im late because of Chase Bank. Its embarrassing in general. I had to ask around for money just to eat and put gas to make it to work. And thats even more embarrassing I have never asked anyone for money. But I had to in order to survive. Then I get an email stating the hold on my account was lifted and funds were available. So I get all excited thinking I have money now. The email wasnt even true my account was still locked and no funds were available. So they lied. I want them to pay for the embarrassment and mistreating me. I want them to pay for my late fees and pay me for the money I had to borrow because of their nonsense. I also missed 2 days of work just so I can get it settled in person which was a waste cause they didnt want to help me and nothing got solve. So me missing work was pointless and irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: PRIMARY RESIDENTIAL MORTGAGE
State: ID

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 2022-06-10 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: Mobiloans, LLC
State: MS

Complaint narrative:
Mobile Loans has reported a false information to my transunion report recently. They claim the account which was opened in XXXX of 2019 and closed in XXXX of 2019 was a revolving account and that is was charged off with no payment history, no last activity, no scheduled payment of account closed designator. this is a scam company. how can this be a revolving account like a credit card or line. this is clearly a high interest loan company due to my research. This account needs to be removed immediately. I've tried to explain this to transunion, but they hang up on me. none of information from this legal or accurate. 

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A

Company response to consumer: Untimely response