vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: MD

Complaint narrative:
I applied for a XXXX credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on Experian. I got a letter dated XX/XX/XXXX telling me I would have to call XXXX XXXXn the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that XXXX made another hard inquiry on my Experian credit report. Now I have two hard inquiries on my Experian credit report for the same credit card application. I tried filing a dispute with Experian, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because Experian 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with XXXX and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that XXXX found the hard inquiry made on XX/XX/XXXX to be accurate. I called XXXX in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AD JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 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.

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 2022-05-16 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: TX

Complaint narrative:
The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing 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 non-monetary relief
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing 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 2022-05-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked for the permissible permission used by Experian and XXXX XXXX XXXX XXXX to access my credit report in XX/XX/2017. I have not received and they do not give me any information.

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 2022-05-16 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: PA

Complaint narrative:
On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the XXXX data breach therefore my private information is vulnerable to malicious individuals.

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 2022-05-16 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: PA

Complaint narrative:
On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the Equifax data breach therefore my private information is vulnerable to malicious individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IN

Complaint narrative:
I recently challenged the validity of the accounts, XXXX XXXX XXXX - AND XXXX XXXX XXXX, thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. XXXX and Equifax will not follow suit and delete the inaccurate/unverifiable accounts, they have not verified the accounts. The creditors have not been able to verify the accounts either, but Equifax and XXXX will not remove them from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc.
State: CA

Complaint narrative:
over 3 weeks ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. Cash App has repeatedly said they are awaiting for my bank to reverse the fees, my bank confirmed there's no fees to reverse. Cash App said the Cash App happened on XX/XX/XXXX I uploaded my bank statement to show I got no deposit from Cash App. In their response to my complaint they said they reached out to my bank. My bank confirmed this has not happened.. I included my bank so they can respond, to confirm these things dis not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i recently just checked my credit report and XXXX and XXXX has ceased all credit reporting back in XX/XX/2021. Experian has still not deleted it off my credit report. please see proof of deletion on complaint number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: FL

Complaint narrative:
15 u.s.c 1681 section 602 a.i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it aslo state a consumer reportion agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I want to make a complain to Bank of America Credit Card department. I filed 2 dispute cases ( case # XXXX for {$700.00} and XXXX for {$270.00} ) with Bank of America back in XX/XX/2022. The bank closed my dispute on XX/XX/2022 without asking me for any supporting document. I called the company multiple times and explained situation of how the merchant is scam me without providing promised service on the transaction date ( XX/XX/2022 ) and even filed XXXX  case XXXX for this situation. But Bank of America still thinking they can not help me to dispute the transactions. They think it's my problem and they are not able to do any help.

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 2022-05-16 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 XXXX XXXX XXXX account # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and 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

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 2022-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I just had my credit report pulled from Equifax by XXXX XXXX. The bank was unable to process my loan do to a fraud report being on credit report. I called Equifax and was told by numerous agents that there was no block on the report. the credit union pulled the credit again and it was still there. not sure how to get this Fraud block off as no one is able to help me at Equifax. further more after I hung up with them my online Equifax account was not accessible and I am not able to get into my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXX de XXXX, XX/XX/2022 To : XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Case Number XXXX Account number ending XXXX Dear XXXX XXXX After receiving your communication dated XX/XX/2022, I followed all the instructions you indicated to place a claim for the telephone numbers mentioned in the letter. Calling the phone number first validated my identity through my credit card, debit card, XXXX, and checking account numbers. After this step they asked me what assistance I required and I asked them to take a claim for theft of funds from my account by an unauthorized person, the answer was YOU MUST APPEAR PERSONALLY TO AN AGENCY TO MAKE THIS REQUEST, I repeated the call on several successive days and the answer was always the same. 

As I have told you in previous letters, I am not a resident in the XXXX, I am in XXXX XXXX and I am waitingfor the date that the American consulate gave me to attend to my visa application to enter the XXXX. This will take at least 12 months, in the meantime my account will not receive funds and could become inactive, so I require that I guarantee that my claim will not be dismissed due to this condition. 

I am very afraid of placing money in my accounts since I do not trust Wells Fargo since it failed in its duty to ensure the security of the products contracted by me and allowed unauthorized persons to fraudulently steal my funds, violating all protocols of identity required, without neglecting that said theft was after I had communicated by telephone that my email and telephone number had been changed access to internet banking without my authorization and in that call I expressly asked that the handling of funds not be allowed until the situation was clarified. 

It is unnecessary to tell you all the problems that this situation has caused me in my survival since not having those funds available I can not cover food and housing expenses, placing myself in a vulnerable situation in XXXX. 

I request your assistance in sending me an account statement for the month of XX/XX/2022 that reflects all the movements of my checking account and savings account in order to assess the scope of what was stolen due to Wells Fargo XXXX # XXXX ; XXXX negligence in ensuring the security of my savings. 

After all that experience, I only learned that Wells Fargo, of whom I have been a client for more than 10 years, does not support the legitimate owner of the account in their claims and, on the contrary, is very splendid in allowing unauthorized persons to commit fraud to the detriment of its clients.. 

sincerely 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 explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
Transunion refuses to correct the improper report history through XXXX XXXX XXXX. XXXX and XXXX have already both made the corrections. I have contacted Transunion multiple times to correct this issue via email and phone, and still no correction has been made

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 2022-05-16 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, contacted me via Mail about collecting a debt. They contacted me by mail on XX/XX/XXXX and identified the debt. 
I do not have any responsibility for the debt they are trying to collect. This item has been disputed on my credit report since XX/XX/XXXX XXXX credit bureau documentation available. XXXX XXXX XXXX made an unauthorized/fraudulent inquiry to my credit report profile in XX/XX/XXXX and followed up with a letter XX/XX/XXXX for a debt I am not responsible for. 

Lastly, the I do not and have not given XXXX XXXX XXXX permission to obtain my credit reports or any information about my credit profile. The last status update reported by XXXX, XXXX and XXXX was XX/XX/XXXX per Annual credit report documentation. Per Federal law this debt is over 7 years .Cease and Dismiss obtaining my credit report illegally for a debt that is not valid. 

This is illegal to Re-aging debt is when a debts status changes on credit reports to make it appear as a newer debt. It is illegal for XXXX XXXX XXXX debt collectors to re-age Synchrony Bank credit accounts.

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