vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: LA

Complaint narrative:
I had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX  is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE 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 2023-01-21 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: LA

Complaint narrative:
I had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2022 Bank of America processed a check against my brother 's checking account that actually wasn't his. It was someone else 's account. I am the rep payee on this account because he is not mentally capable of handling his money. I called B of A. It took a few weeks to get this taken care of. I finally received the money back in his account and a letter confirming this. Then today when checking his account I find they processed the same check again. Only this time they actually put a copy of the other person 's cancelled check on my brother 's account. I called B of A again and they said they will credit my brother 's account. My bigger concern is that this can even happen. Names and addresses and account numbers are different and someone should have seen this. Also, I now have all this personal information on a complete stranger. That simply is not okay. I don't know what kind of control you have over this type of incident but there should be some sort of protections not only for my brother but moreover for the man whose information is now my hands.

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 2023-01-21 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: IL

Complaint narrative:
I am a natural person, a living human being, and I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
jpmcb - card service isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 XXXX XXXX is reporting as an inquiry on my transunion report and i never applied for this company either, XX/XX/XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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:
After reviewing my XXXX Report dated XX/XX/2022 Reference XXXX XXXX You all are reporting another individual on my 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 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
I have been trying to reach to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and Atty General to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: DE

Complaint narrative:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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: DE

Complaint narrative:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: CA

Complaint narrative:
I had a Wellsfargo checking and savings and a business credit card and had charges on those accounts without my knowledge. I received this info to file for the settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: LA

Complaint narrative:
I had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX  report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
" Wells Fargo Bank Is Violating 15 U.S. Code 1681 ( a ) ( 2 ) ( a ) ( i ) My Furnishing Fraudulent Data about Late Payments On my Credit Report Which is In Direct Violation of 15 U.S. Code 1681 under Exclusions of Transactions and Experiences Between Two Parties ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Just look g for a refund on multiple overdraft fee charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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 — Card was charged for something you did not purchase with the card
Company: OPORTUN FINANCIAL CORPORATION
State: WA

Complaint narrative:
On or around XX/XX/XXXX, my Oportun XXXX XXXX XXXX and phone was stolen and was used to make multiple fraudulent transactions which I reported to Oportun the following day after receiving email alerts from Oportun asking me to verify recent transactions which I responded that I didnt authorize. My card was blocked by Oportun and a claim was filed for the the following XXXX charges ; XXXX # XXXX ; {$610.00} XXXX XXXX XXXX ; {$200.00} XXXX XXXX XXXX : {$25.00} XXXX received my new Oportun card in the mail shortly after and activated it but as of today XX/XX/XXXX, those fraudulent charges are still reflected on my account with interest and late fees being charged for the past two months totaling a current balance of {$950.00}. I dont know if my credit score has been negatively impacted either. everytime I called Oportun almost on a weekly basis to get an update and spoke to multiple supervisors, I was told the same thing, just to wait. Until two days ago I found out that Oportun transactions review department didnt finish confirming the fraud that happened in XXXX because along those three fraudulent transaction I posted above, there were other attempted fraudulent transactions which were blocked by XXXX fraud system and they wanted to verify if I was the one making those transactions. I confirmed to them that I indeed didnt authorize any of the attempted blocked charges in question and they apologized that it took this long. It has almost been 90 days and no resolution has been provided. Shame on Oportun

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
I have sent letters to this company in regards to my student loans. this company have violated my rights and also havent responded to my dispute. i have sent them a certified letter since XX/XX/XXXX in regards to the student loans they are reporting on my credit report. i have checked my annual credit report and noticed the late payments on my report but when i look up the law in regards to disputing it states the time of payment is only suppose to be a. transaction between consumer and creditor. meanwhile they have violated by putting a late payment on my report which is damaging my reputation, values and embarrassing to myself and financial institutions that im trying to gain loans with. 

here is the account FED LOAN - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In the summer of 2022 iput cash and a money order in my account everything got deposited but no receipt and nothing showed I even did any transaction I lost XXXX dollars they claim someone looked at the camera and didn't see anything I stillhave an account with them I don't know why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: PA

Complaint narrative:
Attached is a copy of the letter I sent to Transunion on XX/XX/2022 : XX/XX/2022 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Disputing Information in Credit Report. 
This item XXXX XXXXXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed This item XXXX XXXX XXXX inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX  XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 

Please contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been a Wells Fargo customer for about 25 years to date. During that period I was charged excessive fees, I applied for loans, applied for credit cards, I was denied each time I applied for a service with this bank, I still have a current checking and savings. Even though I did all my business with Wells Fargo bank they still denied me services. I was provided with a debit card and that was the extent of what I was provided with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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