vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I paid my Mortgage using my Credit Union account transferring funds to the mortgage account at Wells Fargo. The Wells Fargo account reflected that it was paid, but they did not pull the money from the credit union account until today, XX/XX/XXXX, when it was paid on XX/XX/XXXX. I called my Credit Union on XX/XX/XXXX, XXXX XXXX XXXX and they stated that nothing had been pulled from the XXXX XXXX account. When I called Wells Fargo they state that it had been paid and on the site it shows that it had been paid on XX/XX/XXXX. 
Now today they have caused my accounts with XXXX XXXX XXXX to have a negative balance because of them holding this transaction for 5 days. I am tired of Wells Fargo taking my money and doing what they want with it. 
In XXXX, Wells Fargo took XXXX XXXX dollars from my account and sent it to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Alabama without my authority when the money was clearly mine. I only called Wells Fargo to report what XXXX XXXX XXXX XXXX XXXX was trying to do to me and they took my money and sent it to them without my authority and came back and wrote something up as if I asked them to do so. It was founded by the Alabama XXXX XXXX that XXXX XXXX XXXX XXXX XXXX owes me {$10000.00} the same {$10000.00} that Wells Fargo took and sent to them. 
I am tired of being bound by Wells Fargo!! I feel obligated to them because they have my line of credit and mortgage and I don't know how to get out.

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 2022-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 an 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 non-monetary relief
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize

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 2022-06-24 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/22 I received an alert from my bank concerning a new inquiry from Discover. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called XXXX to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from Discover ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a Discover Card in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to Discovery ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
According to the FCRA 15 USC 1681 validation I need all collection accounts on my credit report verified XXXX XXXX XXXX XXXXXXXX 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 2022-06-25 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:
According to the FCRA 15 USC 1681 validation I need all collection accounts on my credit report verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX contacted all of the creditors also the XXXX major credit bureaus Experian, XXXX and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.

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 2022-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed . Reg. 69776 ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: MD

Complaint narrative:
Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress made it clear that it requires consumer reporting agencies to exercise their grave responsibilities and adopt reasonable procedures in which is fair and equitable to the consumer. Ive sent certified letters to XXXX ( tracking # XXXX ), Transunion ( tracking # XXXX ) and XXXX ( tracking # XXXX ) in which it was received on XX/XX/22 ( XXXX ), XX/XX/22 ( XXXX ) and XX/XX/22 ( Transunion ) requesting the method of verification used to determine that these accounts were verified. Pursuant to 15 USC 1681i ( a ) ( 7 ) section 611 of the Fair Credit Reporting Act, it has been WELL OVER 15 DAYS allow by federal law and I havent received their method of verification. It appears to be evident that these accounts were not investigated, therefore their method of verification cant be provided to me as requested!

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 2022-06-25 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: MD

Complaint narrative:
Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress made it clear that it requires consumer reporting agencies to exercise their grave responsibilities and adopt reasonable procedures in which is fair and equitable to the consumer. Ive sent certified letters to Equifax ( tracking # XXXX ), XXXX ( tracking # XXXX ) and XXXX ( tracking # XXXX ) in which it was received on XX/XX/22 ( Equifax ), XX/XX/22 ( XXXX ) and XX/XX/22 ( XXXX ) requesting the method of verification used to determine that these accounts were verified. Pursuant to 15 USC 1681i ( a ) ( 7 ) section 611 of the Fair Credit Reporting Act, it has been WELL OVER 15 DAYS allow by federal law and I havent received their method of verification. It appears to be evident that these accounts were not investigated, therefore their method of verification cant be provided to me as requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: IL

Complaint narrative:
Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed . Reg. 69776 ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX I am Chase bank customer I had my Younger brother in XXXX last year I made a wire transfer to him for his college fees that was from the bank which he received. this year I made a wire transfer from my phone it was made to an investment account which was under his name but that account was no longer in use so I have transferred my money to that account but it is it was not received to him now my bank is trying to recall the money but the recipient bank in XXXX they said they didnt receive the money so I am curious where the money went I would like to have my money back in my account so I can transfer again to my younger brother. I have already tried to contact my bank they say they are processing, Its been XXXX  days now but I am getting out of time and I really need to give my money to my brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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:
I did a refinance on my home and was told that there would only be XXXX inquiry but in fact, my credit was pulled multiple times by a few different lenders. When I was presented with my credit report, I noticed other inquiries that I did NOT approve. This is my XXXX request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX 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 2022-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2022 Letter to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : The following aliases are reporting incorrectly & need to be removed immediately : The following employers are reporting incorrectly & need to be removed immediately : By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2022 Letter to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : The following aliases are reporting incorrectly & need to be removed immediately : The following employers are reporting incorrectly & need to be removed immediately : By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report

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 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
1 ) On or about XX/XX/2022 I reported XXXX obviously fraudulent charges from oXXXX XXXX. I was assured they were in dispute and no payment was due. 

2 ) On or about XX/XX/2022 Bank of America withdrew the entire amount from my checking account. I don't need to explain the financial distress this caused.

3 ) I have called and emailed almost every day to get my money back.

4 ) BOA has even assigned someone from their regulatory team to address the issue, no luck.

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is not updating my credit score I have several accounts and for the past few months on myequifax.com it been the same credit score for MONTHS and i want my credit score refreshed and updated i always have issues with equifax its bad enough they not reporting my XXXX XXXX  with a XXXX limit at all but XXXX and XXXX are reporting it CORRECTLY I ENCLOSED MY MORTGAGE AND MY LICENSE SO YOU ALL WONT SEND ME A STALL LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I sent an affidavit of legal notice and conditional acceptance upon proof of claim dated XX/XX/2022 which is evidenced by green certified mail receipt ( attached ). Also attached is a copy of the correspondence I sent. All are equal under the law, truth is expressed in the form of an affidavit and an unrebutted affidavit stands as truth in commerce. They have not responded, sent an affidavit to rebut the one I sent, neither have they answered my proof of claim, therefore they are estopped. They continue to call me and harass me and have not responded to the affidavit I sent them and continue to post information on my credit report that they will not swear to as being true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS INCORRECTLY DISPLAYING MY CREDIT HISTORY AS BEING " ONE MONTH '' OLD. I HAVE REPEATEDLY TOLD THESE IDIOTS, MY CREDIT HISTORY GOES BACK TO XX/XX/XXXX. THAT IS LONGER THAN ONE MONTH. MUCH LONGER! THEIR TELEPHONE PERSONNEL ARE USELESS, BESIDES BEING BARELY ABLE TO SPEAK ENGLISH. USUALLY THEY HANG UP ON ME AFTER LESS THAN TWO MINUTES ; THE PHONE CHICK I SPOKE WITH TODAY ( XX/XX/XXXX ) FALSELY ACCUSED ME OF USING " PROFANITY '', AFTER I STATED THAT EXPERIAN ( AS A WHOLE ) OBVIOUSLY DID NOT KNOW WHAT IT WAS DOING. SHE CONNECTED ME WITH AN ALLEGED SUPERVISOR, WHO ALMOST IMMEDIATELY HUNG UP ON ME. EXPERIAN IS COMMITTING FRAUD AGAINST ME, BY REFUSING TO CORRECT THE WRONG INFORMATION, AFTER BEING TOLD OF THEIR ERROR SEVERAL TIMES. 
THIS IS FILED WITH THEM USING EXPERIAN REPORT # 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 2022-06-25 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: MD

Complaint narrative:
CFPB compliant # XXXX I received a correspondence from your Equifax dated XX/XX/XXXX via CFPB indicating that the investigation of my disputes was complete. As of date, Equifax is still violating federal law by furnishing these inquiries on my consumer report without my written consent pursuant 15 USC 1681b ( a ) ( 2 ).

Equifax responded alleging that the inquiries in reference were verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Im exercising my right under 15 USC 1681i ( a ) ( 7 ) and requesting Equifax method of verification and by federal law they have 15 days to respond upon receipt of this notice. If these accounts was in fact verified as Equifax claim, that would mean that they investigated it and it would also mean that this was in fact an investigative consumer report. Therefore, under 15 USC 1681a ( e ) I want to know exactly Equifax spoke with and the method used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 USC 1681a ( e ) I am demanding the following : - Which neighbor did you speak with? 
- Which associate did you speak with? 
- Which friends did you speak with? 
- Which acquaintances of mine did you speak with? 
- Was the information that you received factual? 

Please keep in mind that Equifax only have 15 days per federal law to respond to this request. If they do not respond in time this information must be permanently removed from my consumer report.

Company response to consumer: Closed with explanation