vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: MD

Complaint narrative:
I have complained 3 times already and I just want to know why this cfpb cant or will not step in when TransUnion just ignore and dont try to fix the problem because they know cfpb cant or will not do anything about them not doing any thing. I am sure the cfpb understands how these agencies control peoples lives with their credit scores. My other scores are XXXX to XXXX points higher and this has been ongoing since they hadnt name birth date and everything else wrong. I dont care what model they use for selected people ther shouldnt be able to stop people from making their situation better. I did see where TransUnion was disciplined by cfpb. They should be at the least investigated about how they come up with different scores for people with the same or better credit ratings.

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 2022-10-04 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

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 2022-10-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a XXXX card through Comenity and the sole reason for having the card is for rewards. They had issues 3 months ago with their website being down and cards not being able to be used. Now, I have not received any rewards for over 3 months ( last date was XX/XX/2022 ). The sole purpose of having this car dis for the rewards and they are not delivering for a ridiculous, extended amount of time. Many people are having the issue with their vast array of cards getting rewards, a simple XXXX  search shows this frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that i made during the pandemic to be refunded to me. I made the initial call on XXXXI 've been told this is in process and I would be kept in the loop on the status of this request. By this Thursday ( XX/XX/2022 ), it will have been 6 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I ( XXXX XXXX, consumer, creditor and natural person ) is enforcing The Truth And Lending Act ( TILA ) because Navy Federal Credit Union ( NFCU, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) unlawful acts. 
15 USC 1602 The term person means a naturalpersonor anorganization. I am a natural person. 
The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement. 
The term person means a natural person or an organization. 
By law I am a creditor and also a natural person, without me your organization wouldnt be able conduct a transaction to extend more credit, like a credit card for example. If I dont come to you ( organization ) and initiate a transaction you wouldnt be able to extend credit. You need my credit to extend credit. And my credit is my right. You do not have the right to discriminate against a creditor by law and pick and choose after a transaction is initiated like the one done on XX/XX/2022. I applied to receive {$99000.00} for a vehicle. You denied me a right I have by law. In the midst of the transaction that took place you committed fraud. I entered the numbers of my credit card into your application and we ( I and NFCU ) initiated a transaction that I didnt receive benefits from. That is unauthorized use The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Im sure you know what credit card Im referring to. Also this transaction was a private transaction that had nothing to do with consumer reporting agency. Consumer reporting in voluntary and I did not consent to participate. Therefore you checking a consumer report was a violation. Nothing under adverse action give you the right to deny me my rights. 
I give your organization a chance to make things right by being a lawful abiding organization under ECOA, FDIC, NCUA, and CFPB and grant me my right for an extension of credit that I asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 fully paid off all of my credit card accounts and one personal loan account. At that time my XXXX credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX senior U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my XXXX credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX senior U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2022, I opened two checking accounts with American Express National Bank. On XX/XX/XXXX, I received a direct deposit from XXXX in the amount of {$17000.00}. I transferred {$1000.00} to my savings account that same day. Upon using the accounts, I noticed that on XX/XX/XXXX my savings account was closed and the {$1000.00} I had in that account had been " debited ''. Alarmed, I attempted to transfer the majority of the funds left to my XXXX  checking account. However, a few hours later I received an email informing me that my transfer had failed. Then, I logged into my account to find that it was restricted. When I called into the service center, I was told that my account had been reviewed and closed. Okay, that's not a problem I said. When should I expect my funds? The CSR informed me that money would be returned to where it came from and she wouldn't even tell me where the initial {$1000.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, I paid a mortgage in full held by Wells Fargo. At the time of payment in full, there was an overage in my escrow account linked to the mortgage, in the amount of approximately {$4100.00}. At the time of payment in full, Wells Fargo did not inform me of the overage nor tried to return the money to me. 
On XX/XX/XXXX, two months after the mortgage was paid in full, Wells Fargo emailed me saying a check for the overage had been mailed to me on XX/XX/XXXX. See attached email. I never received that check. 
On or around XX/XX/XXXX, I called Wells Fargo to inform them I never received the XX/XX/XXXX check. Wells Fargo said it would reissue and mail me a new check ; that I should receive it within 2 weeks. I never did. 
On or about XX/XX/XXXX, I called Wells Fargo to tell them I never received the check. I asked for the money to be sent to me using alternative means ( wire, XXXX, pick up at bank branch, etc ), and Wells Fargo refused. Instead, Wells Fargo said it would send a new check by express courier and it would arrive within two business days. That new check never arrived. 
To this date, I have not received my approximate {$4100.00}, five months after Wells Fargo should have returned that money to me.

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 2022-10-04 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: MI

Complaint narrative:
I keep complaining to the CFPB about equifax impartial discriminative acts and your guys aren't doing anything about it. I've made a couple complaints and stated the laws but you still let them violate my right as a consumer. According to CFPB consumer reporting in voluntary I never was asked to participate equifax assumed its role. They continue to report a XXXX XXXX, XXXX XXXX Bank XXXX and XXXX XXXX XXXX accounts on my report that says charge off. According to the IRS a charge-off is considered income. Its against the law to report income. Also they haven't verified anything with me asking me is that true, that is impartial and not fair. They also didn't conduct a proper investigative report because according to 15 usc 1681a ( e ) they should interview friends, neighbors and associates and they didn't. Also it says however such information shouldn't include factual information on a consumers credit record with such information obtained directly from a creditor. So if they're saying the information being reported in factual it shouldn't be on my report. This considered abuse and causing me paint and deceit. I'm not in a position to extend credit and its handicapping my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: FL

Complaint narrative:
I sent my letter off on XX/XX/XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below Also I have attached the letter I sent out and here is the Tracking # XXXX requesting them to do on investigation on the accounts below. I also sent another letter on XX/XX/XXXX requesting on re investigation because I was not satisfied with the first results. 
Experian respond by letter stating that the item was verified .I also attached the letter I received from EXPERIANThey stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies on all three Bureaus 1..Acc # # XXXX XXXX XXXX XXXXl XXXX Account detail on account is [ inaccurate Last report on account is [ inaccurate Comments [ inaccurate Date last active on account is [ inaccurate Date of last payment on account is [ inaccurate 2..Acc # XXXX XXXX XXXX  Date open on account is [ inaccurate High credit limit reporting on account is inaccurate. 
Last report on account is [ inaccurate Date last active on account is [ inaccurate Date of last payment is [ inaccurate Please see attached of my updated credit report showing the hiLight inaccurate information on all three beru

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 2022-10-04 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation