vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, Transunion, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, Transunion, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?

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 2022-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About XXXX months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, XXXX, and Equifax but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and Equifax allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX months old. How am I suppose to purchase a new car so I can get him to his new XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by Experian, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can Experian, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than 2 months old. How am I suppose to purchase a new car so I can get him to his XXXX XXXX Dr checkups?

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 2022-01-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a complaint with CFPB against equifax and this complaint XXXX was closed and equifax never acknowledged the complaint there is no way that equifax and investigation regarding these inquiries. All they did was send me a pre-made letter the next day after they got the dispute stating, " THE INQUIRIES ARE FACTUAL '', this is a lie! I need my dispute to be rectified immediately and the unauthorized inquires to be removed. They is no documentation with my signature stating I authorized the fraudulent inquires. Please revert back to this dispute number XXXX from CFPB that was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX purchased on XX/XX/21. All information given in sales pitch was fraudulent and deceptive and was found out after rescission period was over. I was denied access to XXXX website until after rescission period was over and in fact never told there was a specific cancellation window. I have made numerous contact phone calls with Quality Assurance for this membership to be cancelled with 2 Certified Mail Letters sent to office in XXXX, FL on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, also sent a Cease and Assist Letter to XXXX due to extensive phone calls from XXXX and XXXX XXXX, calling me morning, noon and night on my phone. Post office states they will not accept mail sent, trying to avoid my correspondence. I have already disputed twice the charges to my Discover card due to services not provided as stated. I will be filing a complaint with Profeco against XXXX XXXX XXXX ( They have a XXXX rating of F with similar complaints ) and with Consumer Financial Protection Bureau against Discover. My other credit card company understood there was no way for myself ( consumer ) to discern the deception by reading the contract. With the multiple correspondence via Certified Mail to XXXX XXXX and XXXX XXXX XXXX to addresses provided with no receipt or acknowledgment accepted. There was no way the contract would have disclosed the price of a week being {$5000.00} compared to the {$500.00} we were promised. We did not have access to the booking site to verify false claim until after the rescission period. 
Purchase Price : {$47000.00} Down Payment : {$14000.00} Amount Financed {$35000.00} Monthly Payment : {$870.00} My other credit card has refunded charges due to deception and fraud by not providing any services promised. 
After reading the contract it was founded that the only benefit we purchased for this amount of money was to receive a 25 % discount on future vacations with XXXX XXXX XXXX. My spouse and I were never told this information. I see where the information sent my XXXX to Discover states we have already used services with XXXX, however the leisure cash that was provided was given as an incentive to attend their presentation. We have used no other services. We have been trying to cancel this membership since XXXX which was within 30days of signing membership contract. Full contract was not made available at time of signing and only deceptive benefits were discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I was blocked from being able to transfer funds from my serve account to my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Hello and Good Morning, I received a ACH charge for my Bank of America account ending in XXXX that was also ACHed out of another account were the money was successfully pulled. I called Bank of America to Explain the situation and they stated they couldnt do anything about the XXXX NSF Fee. I also informed them I can send them a copy of where the same transaction was successfully taken out of my other account. The rep stated she could return the fee as well as XXXX the Deposit manager who I was transferred to. I then asked to close my accounts and she stated I couldnt because of the negative balance. So at this point I have a company who is taking payments from XXXX different accounts. I have proof to show them and they are pretty much telling me I have to deal with it. I want my accounts closed so prevent this from happening and stated that cant be done. I also work for a financial institution so this problem can only lead to me getting more unauthorized charges and fees due to them remaining to keep the account open at my will. Can someone please assist.

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 2022-01-04 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
It is regarding my past complaint number XXXX for Synchrony Bank XXXX They have not resolve my dispute and I paid full amount whatever is left over in XX/XX/2021, but they have not reported that credit to credit reporting agency even though my balance is {$0.00}. On other hand Synchrony Bank Pay pal credit is showing as opened on XX/XX/2021 where as it is old account for more than 5 years. They have done fraudulent activity with my account and needs investigation as my credit report had come down by XXXX points. Also I was told by Synchorny Bank that I don't need to pay anything until Dispute is closed and I made payment after dispute is closed unresolved. I need answer from Synchrony Bank to fix the issue and report the right information to all credit reporting agency asap.

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 2022-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was told to contact your organization in regard to Bank of Americas unethical closing of prepaid card holder EDD accounts. 
In XXXX, I received a notice to verify my identity with EDD. My Bank of America account was closed. I sent my Identity documents to EDD. They were accepted and approved. Bank of America has been notified that my identity is verified with EDD, they still wont open my account. 
I have called and called and been sent back and forth. Ive spoken with managers, supervisors, the fraud department, the risk department, they say go to the bank without listening to a word I have to say. They dont want to help, they want to keep my money and every dollar in the prepaid customer unemployment insurance and pandemic funds they are improperly managing. I will not leave my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am more susceptible to infection, it is not worth risking my life to go to the bank. Especially not when my sponsor has confirmed my identity and they have not asked the bank to intervene and close my account until I prove who I am. I have already done that. 
Like I said, this is just a rouse to keep all the money they can for as long as they can. And if there is a pandemic, such as the one now, that the government has deemed dangerous and so severe that they passed a bill for federal funding to be available for all workers so people would stay at home, not get sick, and not spread the flu further, then Bank of America had better accept that the people that were forced to stop working, stay at home, and claim the pandemic funds as needed so the economy doesnt collapse, that some of those people will not leave their house. Not for food, not for family, not for money. And absolutely most certainly not at the demand of a bank that is wrongfully closing accounts and refusing to reopen them in the name of account security and fraud prevention, when they know XXXX XXXX  what they are doing is wrong. 
I cant fight them anymore, it has been nearly a year. Please resolve this now. If I can be of assistance, do not hesitate to call me any 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 2022-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2022-01-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Report must be in accordance with 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 2022-01-04 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: VA

Complaint narrative:
XXXX XXXX XXXX ( company ) took out a business loan based on the company 's XXXX bank statements with XXXX in 2019. The interest rate and payments applied to the account were in dispute. The account went to litigation and was paid in full by the company as a settlement agreement recorded in the court. 

Experian Credit reporting agency has wrongfully continued to report this account on my personal credit report as a charge-off and late payments. 

XXXX XXXX XXXX XXXX, is a corporation ( XXXX XXXX XXXX ), not a sole proprietor. The loan agreement was based on the company 's bank statements and payments were deducted weekly from the company 's business account. I was the authorized representative for the company. XXXX made no attempt to collect from the company and proceeded with unfair collection practices by reporting the disputed account on my personal credit file in an effort to collect payment from the company. 

The dispute was settled in litigation and paid in full. 

This information should not be reported on my personal credit file. The loan was a business loan based on the company 's bank statements and was in dispute and ultimately litigated for over a year and a half. 

The file should be deleted from my personal credit file.

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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am hired as Jr. Payment Assistant by the company XXXX XXXX XXXX XXXX XXXX in Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document Number : XXXX, FEI/EIN Number ). 
My direct Manager 's name is XXXX. 

My daily task is or are : once the company deposed money or transferred money to my Wellsfargo account, I do have right to the gas and 4 % as commission for all transactions. I have to depose the money to a different location of the Bitcoin machine. Once the client 's money is deposed, I have to take a screenshot or receipt and send it to my manager. 

On XX/XX/2022, in the morning around XXXX am, I received an email from Wellsfargo informing me that my account is closed due to XXXX or more unauthorized transactions from my employer. 

On XX/XX/2022, I didn't have anymore a dollars for my company in my bank because I sent out all money for the company 's clients. However, I still have my own money ( {$2300.00} ) which Wellsfargo blocks. 

The money is my account is my money to pay my rent, utility bills and expenses for my children including my XXXX daughter. I went to the bank branch at XXXX close to the mall of Georgia, and the bank refused to open my account. 

My rent is due today including my car loan and other bills. Due to the Wellsfargo action, I will not be capable of providing financial assistance to my family, buying food, pay my bills, also, my landlord will not renew my lease which ends next month due to the unpaid rent. I have emailed all documents I do have to the bank to prove that the company i real and also I am working for the company, but wellsfargo still bocking my bank account causing me and my family emotional distress and risk to file bankruptcy. 

By filing this complaint, I really want your assistance regarding this issue. 

Please, help! 

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 explanation