vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I deposit a couple of checks through my app and lately through an ATM because the amount of the check. The initial disclosure date of the check supposed to be 24 hours after the deposit and the rest of the fund 5 days after that. 

Then, they change the available funds date to 7 days after the deposit and said the reason was my mortgage company. I called them, and they said that the funds are there and available for cashing. 

I dont understand where is the actual reason but misleading information is frustrating. This funds are for house repair and my mortgage company understands the priority.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-21 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: MS

Complaint narrative:
Upon completion of Equifax investigation, XXXX XXXX didn't fix nor delete the inaccurate and incomplete inconsistent reported account detail information regarding my account, they re-update and verified as accurate information in my credit file false incomplete and inaccurate and inconsistent account detail information. The investigation resolution completion date of XX/XX/2023 didn't fix nor did Equifax delete this account from my credit file to date. Equifax continued to allow XXXX XXXX to furnish inconsistent inaccurate account detail information to my credit file in spite of my dispute complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am trying to buy a house and its defamation to my character and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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:
There are many issues that have arose from using this company up to their deceptive advertising not letting you know you are entering in a lease and then once the lease is payed you enter into a loan. To their calling procedures you answer their call and its dead silent for 5 seconds and then hung up and you have no idea who it is. As well there agreements that confuse consumers and are not properly disclosed or discussed. I purchased tires for a total of XXXX on XX/XX/XXXX I didnt receive item till XX/XX/XXXX I entered into a lease agreement well a 90 day buy out option is XXXX plus what I already would have paid if I didnt do the buyout I would have to enter into a loan to purchase the product that was false advertising. I was never provided any disclosures when signing the agreement and when the loan agreement was signed I was never provided my truth in lending act disclosure my privacy act was violated I never gave permission/consent on my lease agreement to report to credit bureaus as the lease and loan are to separate documents I believe many laws have been broken including the FCRA Also they have reported to the credit bureau that I am 120 past due when I fell into a hardship to due to XXXX and being hospitalized a little while after that and XXXX XXXX as well identity theft I spoke to a gentleman that said make the XXXX dollar payment and we will not be reporting to the credit agency we will work with you so I did that and they started debiting my accounts normally bi weekly well to due my identity my bank accounts were accessed and as well as my emails I was forced to freeze my debit accounts and credit reports I tried to let them know when they called but It was a robo caller and just hung up but how can I be 120 days past due if I have been making all my payments except for the times of my hardships.also you cant even see your statements on your portal at all I have provided all the documentation to show them of hardships and after a year and some time they start reporting on my lease that I never consented to or disclosed to. 
A soft credit pull was pulled on my account I was not able to shop around as I was unaware that I was applying for both a lease and a loan with a interest rate of 16 % this reminds me of when I had snap finance and there practices but worse..I was only in stage 1 ( lease agreement )

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 2023-07-21 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:
I have a credit card with XXXX. Some months ago, without notice and without a significant change in my credit report they reduced my credit limit from XXXX to XXXX, while my debt with them at that time was about XXXX. That affected my credit report seriously, in the middle of the acquisition of a car and in the process to move to a new apartment. Never have had a late or overdrafts. I contacted them without any solution. 
Now, many debt was about XXXX for interest charges. Last week, the same day, they reduced my credit limit to XXXX and then, a copule of hours later they increased to XXXX again. Yesterday they reduced again to XXXX and put me in overdraft, an overdraft that was not mine, since I was inside my credit limit. They said my credit report dropped down, and actually was the contrary, it went up for XXXX points! That, again, affected me enormously and reduced my credit report in more than XXXX points. 
Again I contacted them and now they say that I have to wait more than a month for an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I applied for a student secured credit card XX/XX/2019 ( est ). I was rejected, but I continue to receive junkmail soliciting me to apply again. Even after I opted out on the optoutprescreen website and contacting them I still receive snail mail credit card prequalify solicitations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: VA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I applied for a student secured credit card XX/XX/2019 ( est ). I was rejected, but I continue to receive junkmail soliciting me to apply again. Even after I opted out on the optoutprescreen website and contacting them I still receive snail mail credit card prequalify solicitations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-22 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-22 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


- XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number - XXXX - XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX - Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - US DEPT OF EDXXXX 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 2023-07-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


- XXXX  XXXX XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account number - XXXX - XXXX XXXX XXXX  Account Number - XXXX - XXXX XXXXXXXX XXXX  Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX - Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - US DEPT OF EDXXXX 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 explanation
Consumer complaint received 2023-07-22 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: GA

Complaint narrative:
On XX/XX/2023 I sent over a letter to the XXXX credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-22 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: GA

Complaint narrative:
On XX/XX/2023 I sent over a letter to the 3 credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: GA

Complaint narrative:
On XX/XX/2023 I sent over a letter to the 3 credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-22 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief