vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
The Creditor negotiated with me and agreed to delete the tradeline after I settled. 
They consistently reported inaccurate information to the credit bureaus. 
The Creditor then changes an amount remaining and posts this inaccurate amount as past due although they knew the balance was XXXX. Please take a look, they report as accurate what should be deleted or XXXX and force us to continue disputing and take as long as they desire with ultimately the same result. 
Nothing or additional false information! 
The Creditors are never penalized but they report whatever they want and it lowers our scores. It never matters to the Credit Bureaus that we attach justification with online disputes either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024, XX/XX/2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: DE

Complaint narrative:
Waypoint Resource GR 301 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This original account is XXXX XXXX, with a debt owed of {$160.00}. This account was opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I contacted the debt collection agency concerning the account, they stated a letter was sent out through XXXX to the previous address I had lived at concerning the remaining balance of my account. I was not a resident at the address where they sent the letter anymore, therefore I never recieved this letter. The debt collection agency stated to me, that even if I paid the account in full, they will not remove it off of my credit 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I keep a freeze on my credit report accounts. I lift the freeze for credit checks and reinstate the freeze after the unfreeze is no longer needed. 

My need for a reinstatement of a freeze coincided with an action by an online company out of XXXX. I was able to reinstate the freezes ahead of the original XXXX unfreeze that I had originally requested with XXXX and XXXX. I was also able to talk to agents who helped. 

When I tried to do the same with Equifax I was unable to talk to an agent - no matter which number I called or which button I pushed. I was asked questions about old phone numbers that had to be XXXX XXXX XXXX, since I moved out of that area code XXXX  years ago. I was asked about credit from before the pandemic. 

The options I was given did not allow me to reinstate the freeze - an agent would have saved me time and closed the window of opportunity for fraud to occur from that XXXX online, no phone number company. Equifax may as well not have a phone number, because it was impossible to get through to an agent- it was AI all the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a mutual account opened with my partner we used our debit card for all trip transactions making sure we have all the money for everything we end up after they process all the transaction with overdraft we never understand why because all the money was there we went to the branch we close the account n we open a regular account each after XXXX  years later I have my direct deposit from my employer they took my money without any type of notification I call same day they said was on hold making sure the check don't bounce back was weird for me because my company it's a big international company I been receiving my check no problem for XXXX  years I call back today they said bc this past overdraft with no notification they took my money

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXXe of inquiry XX/XX/XXXX, IN XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXXXXXX XXXXF Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of inquiry 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXate of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 XXXXXXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My home address is incorrect.

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 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 : Home Loan XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX...XX/XX/XXXXand credit collection service XXXX and XXXX at set XX/XX/XXXXaccount XXXX with these accounts I've been trying to get them off my credit report for the last couple of XX/XX/XXXX years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-11 00:00:00
Product: Credit reporting 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:
i recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. 
Please remove these account from my report. They are hurting my ability to obtain credit. I do not recognize these account and did not authorize them. They are reported by XXXX  party.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used my debit card at a facialist store and was sold and brought XXXX products. When I got home, I looked inside the bag and realized I was sold an unmarked, unsealed and not labeled product. I also received a service and got my bill with an additional charge and was not informed or asked or made aware they were going to charge me an additional amount. I didn't consent nor give my permission. " I tried to contact the merchant and she didn't return my call till I filed a claim with Wells Fargo. I filed a claim on XX/XX/XXXX. I was XXXX would have up to XXXX  months to investigate the claim and here from the merchant. I just got an email saying my claim was closed and the funds were withdrawn from my account yesterday XX/XX/XXXX. Wells Fargo said XXXX denied the claim because I used my card. That was never being contested nor denied. I filed a claim because I was sold something that was opened, not marked or labeled and could be rat poison.

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 2024-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo, XXXX XXXX : I pay every XXXX weeks, but they hold every other payment back as " unapplied funds. '' When asking them earlier how to avoid this, they said I need to be paid ahead. After a full year of doing this, I am 1 payment ahead and nothing has changed. This is interest they are imposing on me after tendering payment and they are profiting off of the interest they earn while holding my money ( and that of every one of their customers doing this ). 

XXXX XXXX, XXXX XXXX ( has my wife 's name on it as well, XXXX XXXX ) : Same problem as above except that we are on " bi-monthly '' payments instead of every XXXX weeks. Those payments are pulled from our bank account twice a month, but they only apply them - in aggregate - once per month to our mortage, thereby imposing interest on me that we are trying to pay off early and earning interest themselves off of money they are holding from me. This deprives me and all of the customers they have doing this of significant funds over the life of the mortgage.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
There has been a compromise on my credit card sinceXX/XX/XXXX My daughter tried to fix the problem for nearly a year to no avail. She left with several friends after XX/XX/XXXXt for a XX/XX/XXXX my daughter was XX/XX/XXXX and her friends may have used her card to get food, hotels, gas, and more. 
I was not allowed to obtain information due to XXXX. 

I made numerous attempts to reach XXXX XXXX reference these charges, due to privacy act issues, I was never able to resolve this issue. 
The fee and interest have been accumulating since XX/XX/XXXX and they recently brought the interest rate down a nudge, however, no charges were removed. I had an ongoing investigation in cycle however it had been going for many months. I have paid XXXX XXXX for many years and am on the brink of breakdown due to my commitment to pay XXXX XXXX for charges I can not make. 

My Daughter is still underXX/XX/XXXX and is still not totally in herXX/XX/XXXX I have paid nearly XXXX of a cash advance succesfully over XX/XX/XXXXyears ago. In addition she was sent a few credit cards numbers over night twice. 

This has caused me much stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Sent my Venmo account bitcoin on XX/XX/2024. I tried to send my crypto to another account which it was denied. Then tried instant transferring to my bank and was also denied. My account was then locked. From XX/XX/XXXX to the XXXX my account has been locked. I have been speaking to XXXX to unlock my account. They were able to unlock my account XX/XX/XXXX and then XXXX minutes later It was locked. Now they want me to wait XXXX business days to hear from support. I have {$3000.00} dollars that Im unable to withdraw to my bank. I provided documentation of my bank statements and government issued identification. Every time they unlock my account I try to transfer money to my bank and the account is suspended. Today is XX/XX/XXXX and they want me to wait till XX/XX/XXXX to even speak to someone because they can not fix the account over the phone. The system automatically determines if the account is going to be locked and no one is able to actually unlock it and transfer my money into my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In account 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 : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 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