vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2021-12-28 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received a payment from detr and the day of XX/XX/2020 the card was blocked by bank ( bank of america ). I was unable to do any transaction however they charged me for transactions that were denied. i never received the money or the services have sent in proof and all and they keep denying my claim. Im not happy with this company and I just want my money back. they processed the claim on a complete different card and kept doing it for months. my whole case was frauded out even by my sponsor and the card was blockedXXXX 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 explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: WA

Complaint narrative:
On XX/XX/2021 I opened a checking account online with Washington Federal Bank. In the opening process I was given a choice between three types of debit card designs ( Sounders, Kraken, or plain ), and I chose the Kraken card. I expected it to arrive in about a week as is the industry standard. 

Two weeks later, on XX/XX/2021 I called their customer service inquiring about the status of my card because I had not yet received it. I was told that because I had chosen a custom design my card could take up to three weeks to arrive and that is was in transit. I told the employee that they should really advertise that on their website so that consumers can make informed decisions because I needed that card to make purchases on my new account. I waited another week and the card did not arrive. 

I was in the hospital for 3 weeks after that, and when I got out I checked the mail, expecting to find my card in the large pile of mail that had been collected for me and it was not there. I called customer service again on XX/XX/2021, now 6 weeks after opening my account, to tell them that the card had not arrived. I was told by the employee that the person in charge of ordering my card had neglected to order it on XX/XX/2021 when I opened my account. She told me it would arrive that week and had no empathy for my situation. I asked for a follow up from management about the incident and to date have received no contact from WAFED Bank. 

On XX/XX/2021 I received a debit card in the mail, but it was the plain design and not the Kraken one that I had waited extra time to receive. The employee I spoke to on XX/XX/2021 must have lied to me since she said that it had been ordered at the time I called. I also can not believe that something so simple as ordering debit cards is managed by individual employees with no oversight to ensure the task is completed, and is not an automated process.

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 2021-12-28 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: MD

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo misled me into applying for a loan modification instead of a COVID-19 standalone partial claim. I have been asking Wells Fargo to approve me for a partial claim, but the home preservation specialists are unwilling to consider me for one.

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 2021-12-28 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: MD

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 sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
As of XX/XX/2021, XXXX has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( XXXX ) I am a federally protected consumer who has been violated. XXXX has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
As of XX/XX/2021, XXXX has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( XXXX ) I am a federally protected consumer who has been violated. XXXX has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected consumer.

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 2021-12-28 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: MD

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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i went to check out at XXXXTJ Maxx with my credit card. The cashier asked if i had a rewards number. I said i think i did but she said she couldn't look it up as it was confidential and they had changed their system. She asked if i wanted a new number for 10 % off. I said sure. 

Instead of getting me a new number, she opened up a credit card for me! and charged to the new credit card. I had given her my own credit card and had assumed she charged that card. 

Now i have a credit card i don't want and i didnt even give her my address so i have no idea where that credit card will go and she likely put her own info in and will get that credit card and charge me. I sent an email to XXXX but really don't know what to do now.

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 2021-12-28 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
I recently pulled my consumer risk report through XXXX XXXX. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct 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 2021-12-28 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: GA

Complaint narrative:
I recently pulled my consumer risk report through XXXX XXXX. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: NY

Complaint narrative:
I withdraw my consent from crypto.com using or sharing my personal information in any form. 
This is unlawful keeping my information hostage knowing that your app does not work at all in my state of residence. I have provided proof in previous emails that I own the account and receive excuses instead of deleting my account as requested repeatedly. This is not right what you are doing to us consumers who don't know the rules. The website does not have a way to delete accounts opened by accident and then we are given made up rules not provided on your website neither are the states or countries where your available provided. I'm tired of this behavior by all crypto and blockchain exchanges. All of you should be closed down permanently. 
PS. I have attached the message recieved in your app Regards, Need justice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.

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 2021-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28 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:
I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2021-12-28 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:
I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Credit Bureau, I recently obtained a copy of my credit report and discovered the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that only the permissible purpose for pulling a persons credit report is 91 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : 1.XXXX XXXX, Inquiry date XXXX XX/XX/XXXX 2. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 3. XXXX XXXX, Inquiry date : XX/XX/XXXX 4. XXXX XXXX, Inquiry date : XX/XX/XXXX 5. XXXX XXXX, Inquiry date : XX/XX/XXXX 6.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 7. XXXX XXXX, Inquiry date : XXXX XXXX, XXXX 8. XXXX XXXX, Inquiry date : XX/XX/XXXX 9.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 10. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 13. XXXX, Inquiry date : XXXX XXXX, XXXX 14. XXXX XXXX XXXX, Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX date : XX/XX/XXXX Please remove these inquiries from my credit report 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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Ive contacted Bank of America regarding the following transactions that Im disputing : XX/XX/21 {$990.00} XXXX XX/XX/21 {$500.00} XXXX XX/XX/21 {$500.00} XXXX XX/XX/21 {$300.00} XXXX They refuse to credit or investigate the claim. They said based on my usage the transactions are valid when they are not. I noticed the fraudulent transactions and ordered a new debit card. They are refusing to put the money back- please assist.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CT

Complaint narrative:
Chime send me an email XX/XX/27 that they closed my account. No reason. And no notice. I called and the automated service said that in my situation, my only option was to contact via email. And that would take 5 business days. I made a comment on their post of XXXX. They asked me to " dm '' them my email. When I did, I got another automated response to email them. I tried everything. I was completely blind sided. I'm a single mom with no job. I only use my account to pay bills using money shared with my boyfriend. He is a chime customer, he sends me money via chime to pay the rent and bills.

Company response to consumer: Closed with explanation