vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In the past few months I had a roofer doing a roof replacement on our home in phases. I did not want the roofer to have holds on checks I wrote him so I paid him in cash. I withdrew {$10000.00} at a time to make the payments to the roofer. All funds were withdrawn from the Wells Fargo branch at the corner of XXXX and XXXX in XXXX AZ. Each withdrawal was put in an envelope which I took home and put in my desk drawer. All the funds paid to the roofer came out of the envelopes from Wells Fargo from that drawer. When the roofer took the cash I gave him for one of the payments to his bank to deposit the funds the bank discovered two counterfeit {$100.00} dollar bills and seized them. When I became aware of the issue I paid the roofer the {$200.00} and filed complaint number XXXX with Wells Fargo. In their letter dated XX/XX/2022 Wells Fargo stated that the investigation was closed and the transaction was properly posted which has nothuing to do with what was complained of. 

I talked to the secret service office in XXXX and they indicated it is not unheard of for a bank to fail to detect a counterfeit bill being detected when they receive it and thus the bank end up putting it back in circulation. It appears more likely than not that that is what happened here.

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 2022-04-14 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: LA

Complaint narrative:
I was a victim of identity theft. Experian has removed this fraudulent account in the past from XXXX XXXX XXXX. I have sent over my FTC REPORT AND MY POLICE REPORT. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian uses my information to solicit loans and credit cards lying about approval odds lead to hard inquiry lasting on the credit report for 3 years not including initial year of inquiry

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 2022-04-14 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: WI

Complaint narrative:
XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX is still showing on Experian with late payments. I have opened disputes with documents showing that the last payment made on this account was XXXX of XXXX. When disputed, XXXX XXXX XXXX changed the date to XX/XX/XXXX so it has not been removed by the federally mandated removal of late payments after seven years. You can even see in the reporting the last payment was in XXXX. XXXX XXXX XXXX is playing illegal games by changing the information as Delinquency First Reported to XX/XX/XXXX. Remove this account immediately as it is in violation of the FCRA. It fell off my XXXX and XXXX last year at the right 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been discovered that the company has been engaging in deceptive marketing practices. I have worked with XXXX XXXX from XXXX to resolve this and other issues stemming from this deceptive practices.

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 2022-04-14 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:
Hello, I am complaining about the negligence from TRANSUNION. 

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me. Just so we are clear i am not workin with a third party, I am exercising my rights as consumer for some negative items i dont recall. Your response is ludicrous. I will be in touch with my FDCPA Lawyer since you guys are ignoring my request. Please be on the look out for an complant if i DNT HEAR BACK Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items :

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 2022-04-14 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: CA

Complaint narrative:
On XX/XX/XXXX I sent certified letters to XXXX, XXXX and Equifax about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked XXXX and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from XXXX or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
On XX/XX/XXXX I sent certified letters to XXXX, Experian and XXXX about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked XXXX and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from XXXX or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
on XX/XX/2022 i went to open a restricted court ordered savings account for my minor daughter and was told chase put a freeze on my social security number. i called chase to tell them i had covid which led into XXXX and a failure to maintain my account. chase told me they would lift the freeze if i opened an account with them for my daughter. when i told them no i dont want to open her account with them since they were unwilling to work with me they told me goodluck and hungup on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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:
credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.

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 2022-04-14 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: TX

Complaint narrative:
I have been disputing bankruptcies with Experian, and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted the court in writing and asked how they verify information to the credit bureaus since Experian said the information is accurate and that the bankruptcy should remain. and they sent a letter stating that they do not report to any credit reporting agency.I disputed the information again with Experian and the responded with the same letter that is it accurate information that they verified. When I requested how did they verify this information they no longer responded. When I tried to dispute it again they said they will not do any further investigation. But the also won't say how they come to the conclusion that the bankruptcy is accurate either and now they won't respond.

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 2022-04-14 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: CA

Complaint narrative:
Hello! 

I have sent documentation of my credit report to XXXX and Equifax to resolve incorrect information that has been reporting on my credit report. I will attach documents of everything that is incorrect and it is listed across all 3 reporting agencies. The amounts shows different balances, opening, and closing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I attempted to open a business account on American Expresss platform called Kabbage. They claim this is a very easy process and that credit worthiness is not a factor in their decisions. There is no detailed information about what is needed to open the account. I filled out the form online. I uploaded my business incorporation documents, as requested by the form. I was asked to provide further information but it was not told what kind of information was being looked for. I uploaded everything that I received from the incorporation as well as my tax ID and my website. My account was not approved. I thought maybe it was because it was a brand new business and not established. So I created a new account to see if my well-established nonprofit which has consulting status at the XXXX XXXX was able to get an account. The account for the nonprofit was also not approved. I called to find out what was happening and to have my accounts on Kabbage closed since I was not approved for a checking account. I was told that the algorithm decided to not approve my account and that there was nothing the human I was speaking to could do about it. I was also informed my information would be kept and held for five years. I think it is outrageous that American Express can keep my information on file for five years but they can not tell me what requirements are necessary to open an account and the fact that robots are running their company and the humans that work there have no say in what the algorithms and robots are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MO

Complaint narrative:
I disputed the account with XXXX XXXX XXXX XXXX XXXX Trans Union LLc and XXXX. Asking for original signature bearing documents of which have not been produced. XXXX XXXX XXXX XXXX isreporting this account without the proper siganature bearing docs and also the information is conflicting between the two agencies proving that this debt is invalid and being reported inaccurately.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022 my Capital One account was restricted. When I noticed the issue I contacted Capital One to resolve it and was notified that the account was closed due to returned payment. Once I was notified of the error I corrected it and completed a payment right away for the balance of the account. I also contacted my bank on the issue and was told that payment was rejected as a security measure for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, a XXXX wireless service was canceled over the phone. The customer service representative told would send the bill to pay any final balance on the account. 

On XX/XX/2022, according to the letter received from Covergent Outsourcing , Inc. from XXXX, WA. sent a collection letter for the canceled account from XXXX. 

I am writing because XXXX never informed me that the account would be forwarded to the collection and never attempted to collect the bill before sending the account to collections. They canceled the service, and five days later, the account was sent to collections without any information. 

The balance was paid on XX/XX/2022. I am just upset about the procedure by XXXX  by sending to collection my account without any notification.

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 2022-04-14 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy 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 2022-04-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I got an email from experian saying that my credit score decreased. I judt have a feeling that someone is trying to apply with my social security number to get credit cards. I want to desput recent inquiries since I didnt apply for those

Company response to consumer: Closed with explanation