vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-01 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: NC

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.

XXXX XXXX XXXXXXXX - account number- XXXX XXXX XXXXXXXX - Account Number- XXXXXXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account XXXX XXXX- Account XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX XXXX  XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX- Account Number- XXXX XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX  Account Number 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 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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is incorrect personal information 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 2023-02-01 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: TX

Complaint narrative:
There is incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/ to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank ( XXXX XXXX  ) withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I acquired a Car Loan through Wells Fargo Bank in XXXX  and completed on XXXX 
I was given a unusually high interest rate, and told this was the best they can do given it was my first car loan. I attempted to refinance many times hoping for a lower interest rate, however again I was told they could not given my credit history. I did not have much debt, or credit cards. 
Because of this I continued to pay my car loan at this high interest rates, plus high late fees throughout this time period.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Overdraft fees misuse of account from wells fargo

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 2023-02-01 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: OH

Complaint narrative:
To whom it may concern : Ive notice unauthorized inquiries on my credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquires they are unauthorized, and I demand that they be removed immediately. 
I have listed the hard inquires below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fcu - 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 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I have contacted this company directly, American Capital Enterprise, in XX/XX/2022 to remove this collection debt of {$690.00} for XXXX XXXX XXXX XXXX, and they obliged. Then a week later it was back up on XXXX, which I contested and XXXX decided in my favor on XX/XX/2022 ; disputed id XXXX. They put it back up on the same day for the 3rd time and XXXX won't let me dispute it again since it had already been decided on? It was decided in my favor so I don't understand. Not only did I pay this amount, the debt collector never sent any notice, never made any contact. When I originally contacted them, they still never sent an overview. I have USPS service where I can see what mail is coming in so there's no way I missed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo was incorrectly charging my account, upon requesting funds to be reimbursed I was denied, I then attempted to close out my account, they would not pay me the balance I had in my checking account due. They closed my account and kept 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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I want to know if I was harmed by illegal activity since I had a Wells Fargo car loan that may have had higher interest and fees charged to my account but I am not sure how I can verify if I was affected.

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 2023-02-01 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank is the credit card servicing bank for BJs MasterCard. In my invoice for XX/XX/XXXX, I noted a late fee of {$41.00} added to the amount due. I submitted payment on or before XX/XX/XXXX with an expectation that the payment amount would be processed in advance of the stated due date of XX/XX/XXXX. I contacted Comenity Bank using their online Customer Service portal ( see copies of communications attached ) who indicated that they would remove the late fee. I made an additional payment of {$170.00} on XX/XX/XXXX with the expectation that this would certainly be processed well in advance of the stated due date of XX/XX/XXXX. Unfortunately, my XXXX XXXX showed a late fee debit of another {$40.00} and no indication of the receipt of the amount submitted for payment submitted on December 29, 18 days before the due date! I have submitted a payment in the amount of {$200.00} via my personal bank XXXX XXXX Bank ) online BillPay dated XX/XX/XXXX with the expectation that this payment will be processed at Comenity Bank as of or prior to the stated due date of XX/XX/XXXX. I am not hopeful that this payment will be acknowledged by Comenity by that date. 
It is my belief based this history of their refusal to acknowledge receipt of amounts tendered via the XXXX XXXX  XXXX online banking application in a timely manner, Comenity Bank is engaged in a fraudulent banking practice, intended to obtain significant financial profiteering via the manipulation of the electronic banking system and deliberately and intentionally denying receipt of funds tendered in a timely manner. In todays current use of electronic money transfers between and among banks and banking institutions, it is unconscionable that Comenity is allowed to engage in such fraudulent actions which in effect amount to theft. I can only XXXX the total amount of funds obtained through this practice on a nationwide scale, even if limited to BJs customer Mastercard accounts. 
Please feel welcome to contact me should you require any additional information. 
XXXX : I note that the XXXX bill from BJs includes a note indicating that as of XX/XX/XXXX, the BJ Perks Mastercard program will change from Comenity Bank to XXXX XXXX. I wonder why this change was determined to be necessary by BJs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has continued to ask for additional information to support my disputes, i have complied with XXXX XXXX XXXX and Experian request on XX/XX/2022 in person at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX employee of Experian reviewed, confirmed, and sent all documents to XXXX XXXX XXXX Consumer Affairs Specialist.  On XX/XX/2022 i submitted additional document at the same location and was sent to XXXX XXXX for review and to open dispute. I did not receive a email stating that a disputes was open for the dispute dated XX/XX/2022. 

I have sent full copies of police reports multiple times and previous fraud related items has been removed per those police reports.

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 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I heard that Wells Fargo has had issues with mishandling customer 's $ through mortgages, loans, and overall savings accounts. This caused Wells Fargo to pay {$3.00} XXXX to its customers. Since I have been a customer of Wells Fargo for well over 9 years, I am afraid my account was impacted and may have had issues over the years that I was not aware about. I would like to make sure 1. I was not impacted by this issue and 2. If I was, I would like to be compensated for any amount that was missing under my account.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed 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 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Scratch Services, Inc.
State: ID

Complaint narrative:
I received a letter dated XXXX XXXX from Scratch Services LLC XXXX XXXX XXXX XXXX California XXXX The letter stated I was in " default '' for a XXXX loan offered within XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The amount of the loan was XXXX due by XX/XX/XXXX with threats in the letter of legal proceedings if not paid by the XX/XX/XXXX date. I have no idea what this is. I have never applied for a loan of this type and have never received ANY money from XXXX XXXXXXXX XXXX or Scratch LLC. I do not own or operate a business of any kind. I have attempted on several occasions to contact XXXX XXXX at the number provided on the letter I received ( ( XXXX ) XXXX to discuss this matter but have been unsuccessful. My most recent attempt to talk with XXXX representatives was this morning ( XX/XX/XXXX ) where I was on hold ( once again ) for over an hour before finally hanging up. I also sent an email today ( XX/XX/XXXX ) to the email address listed on the letter to XXXX communicating to them basically the same information I am currently communicating to you. In the email letter to them I requested they take immediate steps to investigate & correct this fraud attempt. Unfortunately, I have experienced identity theft in the past and have worked hard to protect myself from this type of theft / fraud. I do not want something like this to damage my credit rating or my name. If you can please investigate this fraud I would appreciate it a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act

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 2023-02-01 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: IL

Complaint narrative:
Inaccurate items on my credit report came back as " verified ''. The items are incorrect and there is no way that if an investigation actually occurred that the incorrect items would be " verified ''. I've attached a document that I have mailed to the CRA via certified mail, asking for detailed PROOF of their investigation and demanding that the inaccurate accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded 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