vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: CA

Complaint narrative:
IN accordance to the Fair Credit Reporting act, XXXX, XXXX, AND TRANSUNION ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND TRANSUNION ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX, Transunion and XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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. 

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written

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 2023-02-03 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: CA

Complaint narrative:
IN accordance to the Fair Credit Reporting act, XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX Inquiries : XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 Equifax inquiries : XXXX XXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX inquieres : XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX, XXXX and Equifax permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I got a notice that they were closing all my accounts and not even 2 minutes after I got the email my accounts were shut down and my money gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
This company named bsi financial that we have that bought our mortgage we have had problems with. They dont except debit cards only ach payment and money orders ach they process whenever they want. With this being said last month on the XXXX of XX/XX/2023 we tried to do a ach payment it got kicked back had no idea it got kicked back I had to make a phone call to XXXXXXXX XXXX XXXX XXXX to find out it never went through. Then on XX/XX/XXXX 2023we sent a money order that we got from a store that does them. We sent it on the XXXX of XX/XX/2023 over nighted it through XXXX had it tracked and certified I got the update that on the XXXX of XX/XX/2023 at XXXX XXXX a lady in there financial department received it and signed for it. I checked a few days later cause there online thing takes awhile to update information on XX/XX/2023 I gave them a call and they couldnt find out what happened said they would call me back then on the XXXX of XX/XX/2023 I called again and the lady I spoke to couldnt do nothing about and said I needed to give the tracking number for the money order which is for me to use they wont fix this problem I have a screen shot of when they received it in there hand and where it came out our account. So because of this shows we are a month behind if I sent the money order this month they will put it towards last month thats if they get it and we will still be behind on a month. If you guys could please help out that would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Closing payment for mortgage was wired XX/XX/23 by title company. Title company confirmed wire sent to NewRez mortgage but NewRez denies receiving funds and continues to withdraw monthly mortgage payments. Newrez refused to stop payment from going through after being alerted immediately and refuses to investigate why it can not locate the funds wired to it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is publishing obsolete account information regarding XXXX XXXX XXXX XXXX accounts ending : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX These accounts are old, FCRA prevents obsolete information from being published or reported if older than 7 years.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I went to the atm at Capital One at XXXX XXXX  I made a deposit for XXXX and then one for XXXX. The atm did not have a receipt mechanism in place and it said it will retain my cash if I didnt take it out, it never gave it back. That was my rent money. I went into branch, they said they can not do anything due to atm being a third party and to file a dispute with customer service. I filed a dispute and they told me up to 10 business days for my money to be returned! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
In XXXX 2022, I was shopping for a car. I asked XXXX to stop running my credit because I wasnt going to buy the XXXX from them. I had already purchased the car and I informed them of this purchase, yet they continued to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: OH

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

XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

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 2023-02-03 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: OH

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

XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

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 2023-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
States on credit report from XXXX  that credit card was opened XX/XX/2020, I never applied for or have or received this capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I banked with Wells Fargo for some years and was overcharged monthly on my checking account overdraft fees, ATM fees, other miscellaneous charges for years.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXXXXXX XXXX I received a notice that my account was to close on XXXX XXXX. It is still not closed!!!!!!! I received a wire of {$38000.00} from a close friend. Wells stated that I needed to return it to her. She authorized the wire to me. She reached out to her bank and sent emails which Wells states they did not receive. She even closed her account to make sure the funds were not returned after I shared what Wells was doing to me. She did everything on her end to make sure I kept the money. Wells refused to talk with me at the branch. The fraud department would not talk with me either. They keep saying the account will close on the expected date which continues to be pushed back every two weeks since XXXX. Wells is holding XXXX of my money. I am very upset and have been financially struggling since. Please help me!!!! This account must be resolved and I am asking for a check with the remaining amount. I have a credit card with wells still and can not pay because I have no money!!!! 
Wells is not forgiving and my interest rate is 24 %. I am so disappointed and angry!!! 
Please help me!!!! I am a working XXXX XXXX XXXX  of 25 years. I do not have a lot of savings and need this money. It's mine!

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 2023-02-03 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: OK

Complaint narrative:
Below is attached copies of information sent to Transunion. This information was sent on XX/XX/2023 to update my personal PRIVATE information on my consumer report that was ILLEGALLY obtained and released by TransUnion, LLC. TransUnion, LLC has not updated my information. TransUnion has not responded to my request. TransUnion is in violation of the law. This has negatively impacted my life, finances, and family. TransUnion thinks they are above the law. TransUnion is NOT being FAIR AND EQUITABLE to me the consumer.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN has continued to knowingly and willing discriminate against me and has committed fraud and identity theft of my personal information without my consent. As referenced in ( 7 ) previous complaints to CFPB XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX EXPERIAN has continued to place innacurate information on a third party report without my consent which is a direct violation of 15 USC 1681. They have ignored every attempt to rectify the situation and to provide as per my rights detailed information as to where and who they have verified the information contained in their illegal reporting. The experiences contained in their fraudulent report are inaccurate and without consent of myself, the consumer. I have filed an identity theft report to which they completely ignored as well as the several cease & desists they have also been sent via certified mail on numerous occasions since 2019. EXPERIAN has breached my personal information several times and I have had to freeze my reports and have suffered tremendous loss because of their contined fraud. The defamation of character their false reporting has caused has had an indefinite inmpact on me and my ability to conduct commerce. I never instructed EXPERIAN to to furnish this report and never consented to it in the first place.

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 2023-02-03 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:
XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The XXXX of XXXX Payments after a repossession has occurred. 

This is a factual error. 

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate. 

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact. 

Discrepancies like this are unacceptable ; I have the right to an accurate credit report. 

And this is unacceptable. 

Please remove this account from my credit report. As soon as possible. 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 non-monetary relief
Consumer complaint received 2023-02-03 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: FL

Complaint narrative:
XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred. 

This is a factual error. 

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate. 

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact. 

Discrepancies like this are unacceptable ; I have the right to an accurate credit report. 

And this is unacceptable. 

Please remove this account from my credit report. As soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX is publishing obsolete account information regarding XXXX XXXX XXXX XXXX accounts ending : 1 ) XXXX 2 ) XXXX 3 ) XXXX These accounts are old, FCRA prevents obsolete information from being published or reported if older than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.

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 2023-02-03 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: NJ

Complaint narrative:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation