vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 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: NC

Complaint narrative:
In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX NC. The bank that financed the vehicle was XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that XXXX XXXX XXXX and XXXX banks merged to become XXXX XXXX. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with XXXX  account is XXXX. The account # for XXXX ends in XXXX. I have two credit lines for {$39000.00} on my Equifax credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my Equifax credit report. Once I paid the vehicle off, I thought both banks would report to Equifax properly and with the correct accounting information for both errors on equifax, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from XXXXXXXX XXXX, XXXX XXXX Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The XXXX XXXX stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. Equifax as of XXXX is still reporting false information that it appears that the XXXX XXXX  is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the Equifax Credit Bureau to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the Equifax credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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, the following are currently in violation of 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. 

TRANS UNION XXXX XXXX XXXX XXXX Balance {$440.00} XXXX Act. # XXXX Opened XXXX Reported XXXX XXXX XXXX Balance {$860.00} XXXX  XXXX Act. # XXXX Opened XXXX Reported TRANS UNION INQUIRY- XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX 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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells fargo took my claim on a {$1000.00} XXXX charge in XX/XX/2022 but XXXX never delivered. I called XXXX countless times they claim they have my signature but definitely do not. XXXX told me to make a claim with my bank but my bank wells fargo denied it and I don't even live at ghat address or have access to it. I spent weeks fighting with both companies I feel completely robbed and amazed they can get away with this. What does zero liability mean exactly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I received a text from phone number XXXX stating that my CITI account had a {$780.00} transaction/withdrawal attempt that was declined from XXXX XXXX XXXX When I tried to call the number, it was not CITI. Since this happened today, Sunday XX/XX/XXXX, I will have to wait until tomorrow to call CITI. I was also provided with a link to CITI, XXXX XXXX XXXXXXXX. This link connected me to a CITI log-in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2022 @ XXXX XXXX Someone transferred {$3000.00} to their chime account $ XXXX I did not authorize this transaction and i tried telling my bank this and they denied anything was wrong so i never was refunded. I tried to escalate the claim with evidence but thats all the evidence i have i have no idea who this person is and why i would send that much to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MA

Complaint narrative:
This is a continuation of prior complaint # XXXX I have spoken with the company Elan again several times plus received a written response to prior complaint. 

I have now verified, and the company confirms, that they are charging me {$530.00} for accumulated interest and fees due to a payment from XX/XX/2019 that they assert was 1 day late, and which I was never made aware of because the statements they have been sending me showed a XXXX balance. They claim that the XXXX balance showing up on the statements they have been sending does not reflect the actual balance as there were 2 'accounts ', even though I have only 1 credit card. The original late fee and interest charge was approximately {$50.00}. So they are charging me > XXXX the original charge, because I never paid it, because I never knew about it. 

The company so far refuses to issue a credit against this charge, even though I have been fastidious for 30 years and have paid for all purchases made within the billing period, so that until this incident I have never paid any late fees or interest. If they had communicated to me letting me know about the fee/interest charge at the time it originally occurred, I would have paid it then. Instead, they maintained the deception that I had a XXXX ' balance every month on the statement they provided. 

I feel this is a case of a deceptive business practice. The company deceptively sent me statements showing a XXXX balance when they were actually continuing to charge me interest on an 'unpaid ' balance that was hidden from me. 

Additionally they have been unwilling to remedy this situation with a fair solution which would be to credit me for the charges. I have faithfully paid for all purchases on time. The disputed charges are only interest being charged by the credit card company on a balance I wasn't aware existed because they deceptively reported my balance was XXXX. 

If they do not remedy this situation, I would have to recommend that others stay away from this company 1st because they were deceptive about what they were doing, and 2nd because they refuse to remedy the situation in a fair manner.

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 2022-06-12 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 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: TN

Complaint narrative:
On XXXX XXXX my credit score went up on TransUnion XXXX points from XXXX to XXXX and on XXXX XXXX my XXXX score went up XXXX points from XXXX on XX/XX/XXXX XXXX to XXXX on XXXX XXXX then my XXXX score went down XXXX points on XXXX XXXX from XXXX to XXXX on XXXX XXXX no change then on XXXX XXXX my XXXX went down XXXX points to XXXX but it said they found no changes to my report on XX/XX/XXXX XXXX but on XXXX XXXX XXXX XXXX emailed and stated Transunion did a hard pull for XXXX XXXX which is now apart of XXXX XXXX on my credit report they said Transunion was in the process of removing the hard pull from my credit and fixing the related impact to my score Transunion did remove the inquiry but they didn't restore my credit score back to where it was my score dropped XXXX points on XXXX XXXX from XXXX to XXXX all this happened after the inquiry they never fixed my score they added XXXX points to my score to raise it to XXXX i would like TRansunion to fix my report back to where it was and i would like XXXX to restore my score and remove the collection on there from XXXX XXXX .. they keep saying its accurate and it isnt the account was opened in XXXX but they keep saying it was opened in XX/XX/XXXX i have proof that it was opened in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: GA

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 rights to privacy.

15 U.S.C 1681 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 2022-06-12 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: Grain Technology, Inc.
State: TX

Complaint narrative:
I have an account with Grain Technology and I filed a complaint with them through you all, however, my issue is not resolved. I have not been able to log into my account due to the high call volume. My recent complaint number was XXXX. 

I have not been able to make a payment on my account since XXXX which is not my problem. My credit has decreased by XXXX points because they are reporting incorrect information regarding a missed payment. I've been sending them emails since XXXX and recently just received a response, however, with them reaching out my issue has not been resolved. I was able to log into my account as of today and I don't believe my credit should suffer due to the company 's non-responses or how busy they have been. While all of this was transpiring with not being able to make a payment or access my account, they took {$80.00} out of my account as of XXXX but marked my account as late. I asked how and why did they take it from my account and I have not gotten a reason for this. Even with them taking {$80.00} from my checking account, none of the money was applied to my balance. I just made a payment of {$94.00} today but I believe it's unfair of them to report my payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
N accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 2022-06-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-06-12 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, the following are currently in violation of 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. 

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 EQUIFAX 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 EQUIFAX 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 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 2022-06-12 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, the following are currently in violation of 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. 

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 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 EXPERIAN 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 EXPERIAN 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 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