vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 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:
On XXXX XXXX, 2023 I contacted Experian to remove a fraud alert and remove any dispute remarks on my report and instead of removing the alert they extended the alert. I then submitted a request via their upload portal to remove the fraud alert and all dispute remarks on my report which included my identity verification documents. The fraud alert is still in my report as well as the dispute remarks

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 2023-03-25 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Victim of identity fraud need account removed from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hard inquiries remove from credit report. XXXX. Syncs/JCPenney XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX I need there inquiry remove asap this is hurting my credit an interfere with my future Sincerely concerned citizen

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 2023-03-25 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: NC

Complaint narrative:
Victim of identity fraud need account removed from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NC

Complaint narrative:
Victim of identity fraud need account removed from credit

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 2023-03-25 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: SC

Complaint narrative:
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.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TX

Complaint narrative:
For as Long as I have had this card, we have paid the payment into payments, one for the minimum and the other for the balance. They are paid within 24 hours of each other and for each month we have had no issues with interest charge in XXXX and XXXX the interest charge was charged to the account because the second payment for whatever reason on their side was delayed and we accrued close to {$300.00} of interest. I called Wells Fargo and they said that they could only reimburse {$50.00} of the interest because thats all their system would let them reimburse but they acknowledged that the problem. Was recent and that it shouldnt have occurred I would like to have the full interest for the XXXX and XXXX payment be reimbursed when I talk to Wells Fargo on the phone I escalated to it to their next level and they also said thats all they could do is chart is reimburse only {$50.00} of the amount. now knowing there is a lag in the second payment, I have taken care of it on my side but I would like for them to reimburse all the interest that was accrued in the XXXX and XXXX payment.

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 monetary relief
Consumer complaint received 2023-03-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a personal loan with the well fargo bank, it is not reporting in my 3 credit bureau

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 2023-03-25 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: PA

Complaint narrative:
Experian has allowed a series of reporting to my credit report under the personal information that is incorrect. 

These issues are with the spelling of my name, different aliases, and most importantly, a series of addresses that are not and were mine I have attached a copy of my state drivers license with the only address and correct spelling of the only name I go by

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 2023-03-25 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: SC

Complaint narrative:
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.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
This company keeps trying to collect an alleged debt at outrageous times and hours but I know my rights an according 15 U.S. Code 1692g they are violating me severely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: Lendmark Financial Services
State: AZ

Complaint narrative:
XXXX XXXX, XXXX AZ. Reporting false information, sending unauthorized information to other creditors, will not speak to me why are they providing misinformation to creditors and credit bureaus, bad company, lots of bad experience from current and previous clients. 
Forced High interest increase and false late fees without notice in the mail. Loan was at {$6000.00} in 3 months {$8000.00} false reporting. Defamation of character. They blow up my phone for payments, but do not notify me for increasing fees and interest. Company is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.

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 2023-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I placed an order with XXXX XXXX on XX/XX/2023. Every few days, they delayed the shipment of my items so I canceled the order on XX/XX/2023 because it was clear that they were selling items on their website that they did not have. Unfortunately, XXXX XXXX placed XXXX ( four ) payment authorizations on my Pay Pal account totaling {$140.00}. I have communicated back and forth with Pay Pal and XXXX XXXX and they each blame the other for this situation. I have {$140.00} of my money being held up because Pay Pal will not release these " temporary '' authorizations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My last payment of {$500.00} for my car loan was processed, but my balance increases by over {$100.00}. I've been paying on this car for XXXX  years and haven't made a dent in the loan. Something fishy is going on here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The companies involved are Wells Fargo Bank, XXXX and XXXX XXXX XXXX 
On XX/XX/XXXX I was approached by a person on XXXX XXXX after a few days brought up XXXX buying. I opened a account on XXXX and XXXX wallet. I made transfers to XXXX then to XXXX XXXX for trading. I did several trades on a site XXXX XXXX XXXX XXXX I did several transfers for transactions total of {$75000.00}. I realized there was a issue when I couldn't withdraw money on XX/XX/XXXX. My accounts at crypto.com and XXXX XXXX were no compromised. I called my bank Wells Fargo Bank when I made 2 wire transfers for Charge back since My account now was compromised they refused to help. I filed a claim on my debit card and savings ACH transfers they declined now two times to help and investigate when I told them money that was sent went to compromised accounts. I told them several times they kept telling me we are investigating for over two weeks being transferred from one person to another over and over. I contacted XXXX and XXXX XXXX also about this issue thru several emails they said your accounts have been compromised. After several emails no response from either one then I get a email from XXXX that I can only make wire Transfers and my account is restricted case closed. XXXXXXXX XXXX emailed mem back sorry your case is closed. My main issue is My bank Wells Fargo refused charge backs on fraudulent purchases and the rude no explanations of why charge backs couldn't be done. Wire transfers could have been reversed going into compromised accounts. I notified them as soon I realized this and they just send me letters declined with no reason and when I called it didn't seem urgent at all. XXXX freezes my account collected several thousand dollars in fees and so did XXXX XXXX XXXX XXXX told me we don't have or store XXXX .No one is taking any of this as responsible for any actions that have taken place. Or willing to help. Wells Fargo Bank mainly could have done charge backs knowing I reported the fraudulent purchases in a compromised account in both my Savings and debit card purchases. I don't know who to turn to for help now. I am retired and this was all my savings now gone and no one to help or even care.

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 2023-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and Equifax, while XXXX reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while XXXX and Equifax did not disclose it. XXXX and Equifax also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and Equifax. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: CA

Complaint narrative:
On XX/XX/2023 I received a alert that my credit was ran by Benefincial credit without my knowledge.My identity was stolen and filed a police report against this institution and I also taking legal actions in court. I never heard of this company nor have no interest doing business with a small bank after the XXXX XXXX XXXX XXXX crash. I never applied any loan.Please remove credit off my credit report report asap or I am pursuing legal matters in XXXX XXXX court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
They kept repeating the same paperwork over and over. I repeatedly had to resend my personal information and still to no prevail. I recently filed XXXX  and was making payments of XXXX and now their lawyer steps in and now they wants to increase it to over {$2000.00}. I told the XXXX attorney that I can't afford to pay that amount. Their words were, can you get some family members to help. I feel I am being forced out for the land. They ate fixing to build a grocery store next door and the surveyors marked over the land.

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 2023-03-25 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: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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 am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.

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 2023-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by Transunion and XXXX, while XXXX reported it as a credit card account. Moreover, TransUnion reported a {$0.00} monthly payment, while XXXX and XXXX did not disclose it. TransUnion and XXXX also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, 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