vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Card Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : EXPERIAN : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 2022-11-10 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : EQUIFAX : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AZ

Complaint narrative:
Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for an answer from you, but I haven't heard anything yet. The unverified accounts indicated below continue to report on my credit report in violation of federal law despite prior CFPB complaints. Despite my best efforts to resolve this issue directly with the creditor, the XXXX, XXXX, and Equifax credit bureaus continued to report unconfirmed information in violation of section 605b of the Fair Credit Reporting Act and were therefore found to be acting with willful negligence and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. 
EQUIFAX : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : TRANSUNION : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-11-10 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: AZ

Complaint narrative:
Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for an answer from you, but I haven't heard anything yet. The unverified accounts indicated below continue to report on my credit report in violation of federal law despite prior CFPB complaints. Despite my best efforts to resolve this issue directly with the creditor, the XXXX, TransUnion, and XXXX credit bureaus continued to report unconfirmed information in violation of section 605b of the Fair Credit Reporting Act and were therefore found to be acting with willful negligence and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. 
TRANSUNION : XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Name is XXXX XXXX XXXX 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 602 A. States a consumer reporting aenc can not famish an account with out my written instructions. These Items I am Disputing is from the XXXX XXXX XXXX Website who no loner service my Account information, My XXXX negative Items from Experian Should be Removed because some on else Called XXXX XXXX XXXX Handel 's my loan Information and they never placed A negative Report on my Credit File.I did not Authorize nor Did I Give Them the Authority To Report this. Also my Reports are over the limit to stay on file because its been 8 years since the filing. Now if This situation does not Resolve in my Favor I will take every one to court. The Consumer Financial already helped me remove These negative fed loan Items off of XXXX XXXX XXXX I don't understand why Experian keep Getting away with this when I Have proven The evidence 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 explanation
Consumer complaint received 2022-11-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  {$11000.00} XXXX  XXXX XXXX $ XXXX {$3400.00} XXXX XXXX XXXX  {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  {$11000.00} XXXX  XXXX XXXX $ XXXX {$3400.00} XXXX  XXXX  XXXX  {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.

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 2022-11-10 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: FL

Complaint narrative:
MACY CREDIT DEPARTMENT, I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks

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 2022-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information requested to be removed or corrected is still reporting, as late or missed payment ( s )

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX close date missing date of Last Activity missing

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 2022-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I OPENED A SAVINGS ACCOUNT WITH BARCLAYS XXXX XXXX ON XXXX XXXX AND FUNDED THE ACCOUNT WITH MOBILE CHECK DEPOSIT OF {$4600.00}. THE CHECK WAS PLACED UNDER REVIEW AND LATER APPROVED FOR PROCESSING. 

FEW WEEKS AFTER THE CHECK WAS CLEARED, I TRIED TO MAKE A WITHDRAWAL BUT THE FUNDS WAS FROZEN. CALLED CUSTOMER SERVICES AND SUBMITTED ALL REQUESTED DOCUMENT BUT FUNDS STILL COULDN'T WITHDRAW. 

CALLED BACK BUT CUSTOMER SERVICE SAID THEY GON NA CLOSE THE ACCOUNT IN 10 BUSINESS DAYS AND TRANSFER THE FUNDS TO THE LINKED ACCOUNT. OVER A MONTH ON IT AND THE BANK IS STILL HOLDING ON TO MY FUNDS WHILE DENYING ME ACCESS TO IT. 

COMPLAINED TO XXXX BUT NO SOLUTION. THE BANK SAID THE CHECK MAY NOT BE VALID OR FRAUDULENT BUT THEY REVIEWED AND APPROVED IT WHEN DEPOSITED AND THE CHECK CLEARED WITHOUT COMPLAIN FROM THE OTHER BANK. 

THE BANK IS REFUSING TO CLOSE THE ACCOUNT, REFUSING TO REVERSE THE FUNDS, REFUSING TO MAIL A CHECK, REFUSING TO TRANSFER THE FUNDS TO THE LINKED ACCOUNT. 

THE FUNDS DOESN'T BELONG TO THE BANK AND THERE IS NO COMPLAINT ABOUT THE FUNDS BUT I CAN'T UNDERSTAND WHY THE BANK IS SO DESPERATE TO EMBEZZLE THE FUNDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX, XXXX and XXXX XXXX  my account had money deposited and within an hour of the deposit being made money started disappearing and US Bank informed me thats how their system is set up Really and thats how people end up over drafting their account because you take the money out and sometimes put it back in after a transaction or you just take the money I am missing within 3 days US Bank took an extra {$100.00} that wasnt for any pending transactions XX/XX/XXXX my balance was XXXX and it went to XXXX and an hour later XXXX. XX/XX/XXXX my balance was XXXX and went to XXXX mind you I had XXXX sent to my account the evening of the XXXX. XX/XX/XXXX my balance was XXXX and they allowed a transaction to occur with my card locked as well and it went to XXXX and back to XXXX. XX/XX/XXXX I had my direct deposit which was XXXX added to XXXX should have been XXXX instead my balance was XXXX after I paid XXXX for a transaction THIS NEEDS TO BE FIXED I have screenshots to prove it

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 2022-11-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: OK

Complaint narrative:
Selene Finance XXXX XXXX XXXX XXXX, PA XXXX has taken money from my checking account two times in one month, in XXXX, XXXX two payments of {$1100.00} were taken from my checking account ( total of {$2300.00} ). Right after those payments were taken I was sent a printed mortgage statement for {$2300.00} due the very next month XX/XX/2022 ( that number doesn't make sense because there is not even a late fee included in this number, which also indicates that I am on time and current ). At the same time, online my log-in account with Selene Finance shows that no payment to come out until XXXX which would allow me an extra month to catch up due to me having two recorded payments, instead of this inaccurate promise {$1100.00} was taken very recently XX/XX/2022, from Selene Finance L Selene Fin XXXX XXXX My escrow account shows ( {$3400.00} ) needs to be audited/evaluated and the difference sent back to me immediately. There is no reason to have that much in the account for escrow. 
I am currently seeking {$2300.00} from Selene Finance because they have taken extra payments, not in agreement with my loan documents and verbiage. This is along the lines of predatory lending and my bank account is always at risk of overdraft or bouncing with these types of mismanagement. Any mistakes will start a foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/2022, I received an email alert from Fedloan Servicing stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted Fedloan requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted Fedloan they show my account is closed with them and balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
TransUnion is attempting delay the correct reporting of information on my credit report. By asking for identification information, which was already sent and TransUnion has admitted its received my 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 non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, I live in XXXX. I have a credit card with Wells Fargo, which I have had for over 10 years. I also have a deposit account ( Checking + Savings ) linked to that credit card. 

On XXXX I received a letter informing me that my deposit account will be closed for the following reason : " Our records reflect that the above-referenced account has one or more account holders with a non-US address on file which does not meet this new requirement. '' The XXXX of the problem : My credit card with Wells Fargo has an outstanding balance on it which I pay monthly. Without a deposit account, I have no way to make a payment on that credit card. 

I work for a XXXX company and am paid my salary in XXXX into a XXXX XXXX account. Once a month, I send yen to my Wells Fargo Checking account and use that to pay my credit card. Without a deposit account, there is no way for me to transfer that payment to my credit card balance. My account will accrue interest and eventually ruin my credit. 

How is this possible? How is it legal for a bank to delete your ability to give them money, and then charge interest on a balance they know you have the means but no procedure available by the bank itself to pay? 

I can not visit a branch. There is no branch in this country. To fly to the nearest branch, I would need to buy an airplane ticket that costs the same as my credit card balance ... with a credit card. 

It should be noted that both my Wells Fargo checking, savings, and credit card accounts have long had my XXXX address attached. They mail my statements here. 

On XXXX I spoke with the Wells Fargo Checking and was heavily pressured and berated to give verbal authorization to close the account. I refused until they could tell me how I can continue to pay my linked credit card product. 

I then spoke with Wells Fargo Internal `XXXX Credit Card Advocacy Group '' ( XXXX ) and expressed the same concern. They created case # XXXX and promised to follow up. As of today, they haven't contacted me at all. 

I am being placed in a situation, designed by Wells Fargo, where they have boarded up the deposit window to my line of credit to let the account accrue interest and fees. It would be funny if it were a joke in a XXXX comedy. 

This is super messed up. Help. 

EDIT : When I set my home address country to " XXXX '' your online form returns error : " Failed to save complaint ''. When I set it to United States, it allows me to send the complaint. My country is XXXX, my state is XXXX, XXXX XXXX and my Zip is XXXX. It is the same as the attached document. The fact that I can't submit the complaint with my address is also... super messed up. Will you actually 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