vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXXXXXX Balance XXXX {$7100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$64.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$85.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$85.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$7100.00} 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 Balance XXXX {$7100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: KY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$4200.00}

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 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CATHAY BANK
State: CA

Complaint narrative:
Check writer from Cathay Bank ( routing code XXXX ) who made electronic deposit to my account in person at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) on Friday XX/XX/2022 with status " Pending '' means fund is not available and in process. The fully funds available will be on Saturday XX/XX/2022 which was printed out on a XXXX XXXX receipt. The full funds were posted on my account on Saturday XX/XX/2022 through Tuesday XX/XX/XXXX, XXXXOn Wednesday XX/XX/2022, XXXX XXXX reversed the fund due to the check writer closing her account at Cathay Bank XXXX 

Now I lost {$4900.00} due to mishandling by Cathay Bank and XXXX XXXX bank. As a customer, I saw a posted available fund which means the deposit transaction has been completed and I released a good and service to the check writer. 

Now Cathay Bank allowed check writer to close her account as outstanding balance and deposit transaction are still in process with XXXX XXXX bank. 

In addition, XXXX XXXX said " Posted status '' means they are still processing deposit transactions which were never mentioned in the XXXX XXXX deposit agreement. Therefore, they just reversed the funds from my account due to account closed at Cathay Bank. 

As customers, we all will be victimized by bad check writers if they use this type of loophole to take advantage of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I tranfer money using XXXX  a total of XXXX and the receipient did not received it. So I try again and was not received. Then I try with XXXX dollar and same thing kept happening. I call the bank XXXX and created a ticket and I was given a reference # and was told they would look into it. Its been XXXX   days and still I havent gotten my refund. 

Date of tranfer was XX/XX/XXXX for a total of {$400.00}

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 2022-12-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is to inform you that JPMCB CARD SERVICES unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

JPMCB - CARD SERVICE 10/13/2021 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXXXXXX : {$0.00}

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 2022-12-21 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and only by you currently listed on my Chex Systems XXXX Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022 and XXXX Bank, XX/XX/2022. The inquiries are unauthorized, fraudulent, and not my 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 explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX reported a collection account to my credit of XXXXThis is a false account reported to my credit and must be immediately removed I already tried to dispute this it wouldnt come off. Ive never been serviced by the original creditor XXXX XXXX it was opened XX/XX/2022 this is a fraudulent reporting and needs to be removed immediately or I will take legal action against Both companies and all three credit bureaus reporting this false account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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: NC

Complaint narrative:
XXXX XXXX XXXX i have no knowledge of this collection i have never had XXXX XXXX 
Addresses : i never stayed at XXXX XXXX XXXX XXXX XXXX NC XXXX or XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Inquiries : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( FINANCE ) 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 As it states in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C1681section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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:
XXXX XXXX XXXX XXXX have no knowledge of this collection i have never had XXXX XXXX 
Addresses : i never stayed at 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 As it states in accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C1681section 604 A section 2 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 non-monetary relief
Consumer complaint received 2022-12-21 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 — Investigation took more than 30 days
Company: Go Capital Holdings, LLC
State: PA

Complaint narrative:
After reviewing my credit profile on XXXX Ive identified a discrepancy with the account listed under Go Financial & requested that this account be removed due to New Jersey statue of limitations. This account has been on my report for 7 years and the statue of limitations for the state of New Jersey is 6 years. I have not receive any correspondence from any of the XXXX credit bureaus to have this account removed which is negatively affecting my credit, nor has it been updated. Please strike and have this account removed from all XXXX credit bureaus.

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 2022-12-21 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: CA

Complaint narrative:
see attached

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I agreed on XX/XX/XXXX, XXXX XXXX XXXX to install closet organizers in my home. The sales rep told me the store offered an interest free financing for a year. I agreed. I was told after approval that my credit limit was {$6800.00} ; 3 times the cost of the improvement. The sales rep told me I had to call Wells Fargo to ask why the limit was so high. I was told that it was a store credit card to be used at any XXXX XXXX XXXX  On XX/XX/2022 I told Wells Fargo I wished to cancel the credit card. I also canceled the order with XXXX XXXX the same day. I was assured by Wells Fargo that my credit card was canceled. I know XXXX XXXX canceled the purchase because the down payment was refunded on my XXXX credit card. On XX/XX/2022 I received a new Wells Fargo store credit card. I never wanted a Wells Fargo credit card. I thought when I requested the credit card to be canceled, Wells Fargo would honor 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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bella Sloan Enterprises
State: FL

Complaint narrative:
On XX/XX/XXXX I paid {$750.00} For credit repair services that where never rendered. Its been exactly XXXX XXXX since I paid for services through this company and nothing has progressed, I reached out multiple times through out the year for a resolution as to whats going on with my file and why do I not see any changes or any communication from this company. I didnt not receive a clear answer until XXXX of XXXX from a representative named XXXX on XX/XX/XXXX XX/XX/XXXX I emailed in regards to my account and what exactly is going on since there has t been any improvement or movement for the services I paid for. I emailed them XX/XX/XXXX with No response I emailed them again XX/XX/XXXX XXXX and they never responded when I asked for a refund. I called consistently for XXXX  months with no response or answer XX/XX/XXXX I called customer service and was told they issued a refund to a closed checking account on XX/XX/XXXX and was told they have to wait 5-10 business for the payment to return an they will mail me the refund check. XXXX  is XX/XX/XXXX and I have not received my refund payment nor have I heard anything back from this company I have emailed and called and they have disconnected the customer service number. I have messaged the owner XXXX XXXX and he just reads the messages and never respond at all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: MN

Complaint narrative:
I am having an issue of opening up a checking and savings account with Axos Bank. Axos Bank is refusing to open up and any accounts for me due to a previous account which I was a victim of identity theft and a previous bankruptcy on my XXXX XXXX, XXXX XXXX, XXXX, and XXXX credit report. Axos Bank is discriminating against me based on my previous account, bankruptcy, race and income. Axos Bank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo allowed a fraudulent collection firm to put a freeze on my wifes and I joint account. The debt was solely in my name and they should have not allowed a freeze on a joint account. I have been dealing with this since the beginning of XX/XX/XXXX. I had to retain an attorney and go to court on XX/XX/XXXX and even with my court order signed by the judge they still havent released our funds.

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 2022-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX  XXXX XXXX XXXXXXXX XXXX .... Balance : {$12000.00}

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 2022-12-21 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} 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 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have been trying to validate this debt with no success. After multiple letters to both National Recovery Agency and the 3 Credit bureaus for assistance with validating this debt I have received no sufficient response. XXXX will not respond to me whatsoever even though I can clearly see that they have been receiving my letters. This negative reporting has caused me to miss opportunities and has hurt my reputation. Since this has been on my credit report I have been denied for mortgages and it is currently preventing me from moving forward with my business. I am working very hard to resolve this matter but am being ignored by the companies involved. I have been requesting for validation from the moment I received notification of the collection and have very detailed tracking history. I have uploaded a few documents and more can be provided if needed. This does not seem right that I've had to work so hard just to simply have this validated and have been left with no other options.

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 2022-12-21 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: NY

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 Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation