vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, Equifax, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo denied my access to using a debit card due to disputes but all of these disputes were valid and a bunch of random overdraft fees and incorrect credits to my account and random amount being taken 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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CO

Complaint narrative:
deciding to close my Credit Karma account do to misleading approval guarantees in which derailed my credit building efforts with XXXX non- approvals and XXXX hard inquiries, while being alured to apply with excellent approval odds XXXX offers claimed 99 % approval and the other was 98 %. all three were denied for the same reason. a public record or judgement. trusting Credit Karma ( CK ) and knowing they were also aware of such reason for rejection. I put my faith in they knew more then i did about credit approvals. my score dropped over XXXX points I lost my ability to purchase a car, a house or most importantly need health care. all before inflation begun. I had to switch cell phone company including my phone number when i go to close my account at CK I stuck unable to do so as the sent verification code to old phone number and in the help section on how to change phone numbers there is no reference to confirming change of phone numbers you must have both phone lines active and available. Who dose this CK pay to phone bill. now only way to move forward i have to send them a picture of my Dl or ID. how unsecure is that for me i didn't have to show ID to open account I didn't have to show ID on any action ever taken with them and i sure the heck didn't have to go through such degrading steps to change my number at my other XXXX account i have. yes XXXX very angry with Credit Karmas customer service tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: LEXISNEXIS
State: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 



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 explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.

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 2023-01-19 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: TX

Complaint narrative:
On XX/XX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: MI

Complaint narrative:
I went to check on my credit report and I noticed it said down XXXX points and I went to see why it went down so much and it showed me an account thats been opened and put into collections an account Ive never seen before as well as an address Ive never lived before.

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 2023-01-19 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: MRS BPO, LLC
State: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Want to confirm Wells Fargo handled my car loan correctly as it was surrendered due to repossession. This would have occurred in XXXX to 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 2023-01-19 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: TX

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. 

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # 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 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 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 2023-01-19 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: TX

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. 

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 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 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I spoke with someone in the claims department and explain how one of there branch manager missed handle my business and personal accounts and there is XXXX missing. All I want is my reimbursement plus interest dude to late payments because the money was not in my account do to them giving my account information to someone else.

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 2023-01-19 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I initially disputed inaccurate information with the credit bureaus and Im assuming they reached out to TD AUTO FINANCE about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting 3 repossessions and also have different balances on credit reports. Theyre also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: IL

Complaint narrative:
I do not agree or accept the company response. I demand they send me the agency and employees that they verified their information with. In addition, I want my XXXX XXXX account to reflect as on time for the 30 day late because it was paid on time as agreed. They also is in violation of 15 U.S.C. 1666B.

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 2023-01-19 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: IL

Complaint narrative:
I do not agree or accept the company response. I demand they send me the agency and employees that they verified their information with. In addition, I want my XXXX XXXX account to reflect as on time for the 30 day late because it was paid on time as agreed. They also is in violation of 15 U.S.C. 1666B.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The company charged me for Automible insurance when I already had it. I sent in my proof several times and they kept saying they didnt get it. They added it onto my loan which increased my monthly payments.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex approved an XXXX XXXX XXXX with {$14000.00} as a limit. After a few months without notice, decreased the limit to {$700.00}. 

I want a complete and detailed : - date of account opening and limit - history of spending and payments - explanation for the credit reduction - proposal to keep me as a client - any fees I already paid All communication will be through Consumer Financial Protection Bureau, plus I want a written letter mailed to me. Standard and robotic copy and past letters will be trashed, and a new complaint will be opened upon receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Im a Wells Fargo customer from 2012 to present my account was always overdrawn when I didnt overdraw I was always charged a overdrawn fee I will call to confirm what was going on with my account most of the time I will get a mean person on the phone so I would go into a branch and still nothing and now since I refuse to pay a overdraft fee this time Wells Fargo closed my checking account I still have my savings but I see that they charge my savings account I removed all of my money and stop all of my direct deposits and now they talking about closing my savings accounts I been with Wells Fargo for like 10 years and they want even approve me for a secure credit card using my own money witch cost my credit score to go down.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
from XX/XX/XXXX to XX/XX/XXXX overdraft fee, and taking monies for company not authorize and charging fee like bounce check

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 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I never received notification of this debt. I found out about just yesterday because I am in the process of trying to build credit. Wakefield and associates have to marks on my credit history and never tried to contact me about any bills I may have outstanding. I definitely am not sure of the total or when they are from. I just want some type of solid validation they are mine. Until then I want them removed from my credit report cause they are hurting my credit for something I was unaware of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a Wells Fargo customer for about 8 years and had quite a few overdraft fees in the past. I read where they are supposed to send you a letter stating how much youre entitled to, per the lawsuit settlement and I have not received anything.

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 2023-01-19 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 



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