vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
At the suggestion of the company that installed my windows, I took out a {$45000.00} home improvement loan from EnerBankUSA, which is located in Utah, now a subsidiary of Regions Bank in Alabama. This was a home improvement loan which if fully paid by XX/XX/XXXX would accrue no interest. 

After the windows were completed in XXXX XXXX and the company was paid, the loan was added to my credit scoring. Unknown to me, and not discovered until I saw my credit score decrease from XXXX XXXX XXXX. As I was looking into it further, on a credit report, they had closed my account for non-payment. It was later reopened but there was no return of my credit score back to its original score, it still remains in the XXXX 's. This must be restored to normal as soon as possible, as my car was just totaled and I need to be shopping for a new one. I am also a retailer and don't want my accounts to be closed.or new ones not accepted because of my now lagging credit score. 

I have spent numerous hours trying to get in touch with the bank at both the normal and customer service numbers, and have stayed patiently waiting now for up to 2 hours at a time. I always get the same recording on both lines which says because of high calling time the wait will be ... the last time XXXX min on the regular line and XXXX min for the customer service number. I have tried, morning, noon and afternnoon, There is no way to actually contact this bank, and I certainly wonder if all these other calls are not for similar reasons as 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 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
Check into cash in XXXX Kansas set up payment on the XXXX of every month. In XXXX the tried to get payment on the XXXX instead. This caused an overdraft on my account and the bank charged me {$28.00}. I called them and they said I had to come in and show my bank statement. I explained I am in the hospital. I have had part of my foot XXXX  and cant leave. Then they said if I dont come in to switch the account over they will send it to collections. I tried to resolve this with their complaint department but kept getting disconnected.

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

Complaint narrative:
I mailed a letter off on XX/XX/XXXX. I have sent out another letter certified XX/XX/XXXX. Here is my tracking # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party company 's. 
These are clear violations of my federally protected consumer rights.

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 2023-02-02 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: SC

Complaint narrative:
I mailed a letter off on XX/XX/XXXX. I have sent out another letter certified XX/XX/XXXX. Here is my tracking # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party company 's. 
These are clear violations of my federally protected consumer rights.

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

Complaint narrative:
My Wells Fargo checking account ending in XXXX has been wrongly charged monthly service fees. 
I opened this account XXXX It was known as a first responders account. A no monthly service fee for all first responders. 
As of XXXX  they have charged me {$15.00} every month. I've called several times to rectify the situation to no avail. 
To date they reversed 3 monthly charges. 
This is a clear indication Wells Fargo admits and realizes they charged fees which are contrary to the first responders checking account. 

Thank you in advance for your attention concerning this matter.

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 2023-02-02 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: PA

Complaint narrative:
I am a victim of identity theft and my personal information has even exposed in multiple data breaches including an Equifax data breach. Someone has attempted to file an income tax return in my name as well as attempt to secure credit using my information. This has also resulted in several unauthorized credit inquiries. I have filed a police report with XXXX pa PD as well as an identity theft report. I have also sent in the identity theft report along with the appropriate documentation, ID, SS card, and a hand written letter explaining to Equifax my situation and gave them specifics on the exact inquiries that were fraudulent that I needed removed. The specific inquiry is ( XXXX XXXX XXXX, 2022 ) I called up and spoke with an Equifax XXXX representative, and I was told that I had an invalid FTC report because the specific inquiry was located in the personal statement section. I explained that the FTC report only allows for 3 inquiries to go in the inquiry section and that FTC gave explicit directions to include the additional inquiries in the personal statement section! I also explained to the fraud department that there was also an inquiry included in the personal statement section ( XXXX XX/XX/2022 ) that they removed already.

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

Complaint narrative:
This complaint is in response to complaint XXXX. The company 's only response was that they updated my name and address, but they failed to remove the unauthorized inquiries. I do not believe a real investigation was done, and I believe that Transunion is using stall tactics. How are you continuing to report something on my report that I am challenging when my information was in a data breach? I am now filing a complaint with the XXXX. I also filed a complaint with the FTC and I will attach that report. CFPB should make sure that companies are held accountable, and it seems as if this hasn't been the case. I am asking for all of the inquiries listed in the letter be removed immediately. How are you reporting unauthorized inquiries against my will? How can a creditor pull my report without my knowledge. I was also involved in a data breach so how are you determining that these are my inquiries if I am saying otherwise? I will attach the letter along with the other documents I stated. If this is not handled in a timely manner, I will be seeking litigation. I will be asking to be compensated {$1000.00} per violation in which I have this right per FCRA. Please refer to the letter I sent informing you of the inaccurate inquiries.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I incurred many overdraft fees from debit and credit overdrafts when at the end of the day its my account and I have direct deposit set up so I shouldve never gotten any fees being that I end up paying whatever I owe back. If the money isnt there, why charge me more for something I already dont have. The systems dont accurately show the true balance all the time

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 2023-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XXXXXXXX XXXX  Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2023-02-02 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XX/XX/2020 XXXX AM I PURCHASED A USED VEHICLE FOR {$39000.00} {$5900.00} EXTENDED WARRANTY XXXX MILES FOR 10 YEARS {$290.00} TIRE DISPOSAL ENVIRONMENTAL PROTECTION TOTAL COST {$45000.00}. FINANCE CHARGE WAS {$16000.00} AND MADE THE APR 23 % OIL CHANGE WAS NEVER DONE I NOTIFIED THE DEALERSHIP AND PROVIDED PROOF I ALSO PROVIDED DIAGNOSTIC OF THE DAMAGES THAT WERE CAUSED DUE TO THEM NOT CHANGING THE OIL AND I ACTUALLY PAID FOR IT TO BE DONE. I WENT TO THE DEALERSHIP SO THAT THEY CAN FIX IT SINCE I PURCHASED AN EXTENDED WARRANTY I WAS TOLD THAT I DONT HAVE ONE. THE DIAGNOSTIC THAT WAS PERFORMED BY THE DEALERSHIP SHOWED MANY PROBLEMS AND THEY TOLD ME THAT THEY CANT HELP ME. EVEN AFTER THE EXTENDED WARRANTY WAS PURCHASED.

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 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My husband, XXXX XXXX, and I had a home mortgage ( I am not sure what kind of mortgage it was ) through Wells Fargo from XXXX - XXXX. I have seen information online that Wells Fargo is paying settlements to consumers who were harmed financially, due to a lawsuit that resulted in a {$3.00} XXXX settlement. I have contacted Wells Fargo and updated my contact information with them, but they were unable to talk to me over the phone about any payments we could potentially receive. I am looking for assistance in this process.

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They charged me extra saying I didnt have insurance on this car and I did. The CPI policy they charged me number is XXXX saying it was effective XX/XX/2014 to XX/XX/2014. Then repoed my car because of it and did not send me a bill of sales or information as to how much the car sold for and not even showing how much I pod for the car

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update this information and remove all the old address that are not mine My address is XXXX XXXX XXXX XXXX Ga XXXX Please remove any other address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since around one month ago I lost my access to my online banking, it says locked account. When I call customer service they just said '' we cant verify you, go to a branch '' without any explanation or solution. Im not XXXX XXXX XXXX XXXX, I live in XXXX and I travel often to the US. I opened this account with my passport.

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 2023-02-02 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:
I have disputed the incorrect information concerning a bankruptcy. They took it off then put it back on my report. The credit reporting is obligated to report the right information. Their old address that I have never live at and past debt obligation that no longer exist. Please report accurate data

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