vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On the Internet, I saw a website where I could apply for a XXXX credit card. I filled out the application. I received a letter asking for my driver 's license and social security card or other identification. I sent a copy of my license and social security card, but he said that the back side of my social security card didn't show up weIl, and asked for a copy of my 1040 the first page, which has my wife 's social security number as well as mine. I sent a copy to Application for Miles and More Credit Card, XXXX XXXX. XXXX XXXX, XXXX, Delaware XXXX. I have not heard back. When I checked with XXXX online for progress on my credit card application, it informed me that there was no record of my application. I don't have a copy of the letter he sent me, or phone number.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was mugged on XX/XX/2020, resulting in my wallet and phone being stolen and my bank accounts being cleared out. I was able to recover most of the funds with help from the police, who also arrested a suspect. However, Chase Bank refused to refund the cash the perpetrator took out of my bank account via ATM because I couldn't prove I was not the one to take out the money. I had the police file a warrant for the ATM footage, and have circled back several times over the past year and a half and have not made any progress and am still missing over {$6000.00}. Police report is attached, along with outline of some charges and identity theft report I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AL

Complaint narrative:
I have disputed and called to remove this accounts that I had no knowledge of and that are still on my credit

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 2022-07-18 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: AL

Complaint narrative:
I have disputed and called to remove this accounts that I had no knowledge of and that are still on my credit

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
i talked to XXXX XXXX  at wellsffargo dispute department and he is dishonest and changing his statements over the phone over 5 times and he refused to transfer me to his manager and finally i told him i am taping recording his calll and he agreed to transfer me to the dispute manager at wellsfargo and he name is I talked to XXXX  Id number XXXX and they both do not resolve my sipte at all i filled it over 3 month and they are careless

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 monetary relief
Consumer complaint received 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the account with Transunion for XXXX XXXX due to account being paid on XX/XX/2022. I contacted XXXX Bank and asked for a letter in writing regarding the payment and updated status and to ask the bank to update my account status with all three bureaus. I filled a dispute with Transunion and asked Transunion to update my account information to show has been Paid in full for less than the full balance. 

My dispute has come back today as Verified and accurate with the old status of past due, with a balance and charge off on the account. 

Please assist as Transunion has not conducted proper research to see that this account has been paid.

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 2022-07-18 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: PA

Complaint narrative:
I have been disputing XXXX, Equifax and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health  issues and XXXX XXXX XXXX  because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been disputing XXXX, XXXX and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health issues and XXXX XXXX XXXX because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Westcreek Financial
State: SC

Complaint narrative:
When I opened the credit with Koalafi, the same night, I set up autopay to pay the bill in a timely manner. Once, I completed the autopay, it indicated that payment would be due on XX/XX/XXXX. However, I received an email indicating the bill is past due. How can the bill be past due when autopay was set up on XX/XX/XXXX. The email also indicated that due to the past due bill the terms of the agreement in terms of deferred interest are no longer applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, EXPERIAN 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

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Car was taken by XXXX XXXX and the company then filed bankrupcty which my car was inlcuded in but now the information was sold to an collection agency and now that compnay is saying i owe money on a car that was closed on my aacount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are a total of 61 hard inquiries on my equifax credit report. None of these inquiries from all these companies are from me applying for credit. Equifax makes it impossible to dispute these types of disputes. I am XXXX with limited availability to a computer. And the funds to print all these documents out that they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have asked Experian Credit Reporting agency, XXXX credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to Experian was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

Experian has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure Experian did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.

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 2022-07-18 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: FL

Complaint narrative:
As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.

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 2022-07-18 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: FL

Complaint narrative:
As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.

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 2022-07-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-18 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: AL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX MORTGAGE 30 DAYS LATE IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

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 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, in review of my credit report, I obtained my credit report and noticed four hard inquiries I did not authorize or initiate. I tried calling TransUnion several times to get these removed and there was no resolution. As a result, I filled 4 separate claims with the FEDERAL TRADE COMMISSION which I will attach to this compliant as well as my passport as proof of identification. 

1. XXXX 2. XXXX XXXX XXXX. XXXX XXXX  4. XXXX XXXX XXXX ( Finance )

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Bankruptcy is reporting that should not be I did not give authorization to report this and this is defaming my character. I am asking for verification with my wet signature that this is to be reported. I'm aware that no court or agency reports this information to any bureau

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