vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: FC HoldCo LLC
State: AZ

Complaint narrative:
I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Went to XXXX XXXX nissan in XXXX to buy a car with a friend of mine who agreed to help me by cosigning the salesman understood i couldnt get vehicle without a cosigner so after all the paperwork was dot pne i thought it went well a week later i check the website for the account an learn we were a victim of Bait an Switch scam i was not the buyer i was the cosigner an my friend was the buyer not any paperwork i recieved at the dealership says im cobuyer the paperwork the dealer sent to finance company is not the same that was giving to me when i requested copy of the contract the finance company recieved an compared it to what i got its missing multipages dollar amounts change completely different i also noticed my copy of the contract does not have my signature nor my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: NC

Complaint narrative:
Company refused to remove this from credit bureaus said was filed to late but I filed the second time as soon as XXXX stated they can't find paperwork. This happened once before approximately XXXX ago But stayed on them and finally removed from record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd

Complaint narrative:
Hello my name is XXXX XXXX right now I am working with a XXXX XXXX in XXXX my salary is XXXX XXXX I have uploaded all bank statements of my XXXX XXXX  but wise rejected all now i am going to upload my compnay certificate which i working there i request to wise team please open my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have an auto loan with Wells Fargo. If I am late in making the payment there is a late fee added which I understand. When I make my payment I always pay more than enough to cover all of the principal, interest and any fees that might have occurred but for some reason the late fees will not go away so you have to call them and in some cases make many calls to fix the issue. My wife had this happen also and it took a dozen messages and phone call to fix the issue. Wells Fargo Bank is charging millions of customers this same fee with this same issue and this was verified by a Wells Fargo employee. There is no way to pay the additional fees online and in my case and my wife 's we thought they were paid by the overage we were paying when we made the payment. It shows the late fee on the payment screen and a customer will think it's being paid but it is not. Please help fix this problem for many, many Wells Fargo customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates Navy Fed XX/XX/2022, XX/XX/2022, XX/XX/XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I deposited checks on XX/XX/XXXX & XX/XX/XXXX. The bank has placed a hold on both checks. I have verified they already have the funds from the XX/XX/XXXX check and they refuse to release the funds. Every check I have deposited in the last 6 months have had holds placed on them. The bank is Truist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Hello, I have been trying to get {$20000.00} refunded to my account from Aidvantage since XX/XX/XXXX in the morning. I have stated that I wanted to have all my covid payments refunded to me that I made after XX/XX/XXXX. The representative that picked up put a refund request in and stated that it would take 6-8 weeks. 
After a month of not seeing any movement in my account or got no updates regarding the process, I called back on XX/XX/XXXX. The representative looked into my refund process and noticed that they have not done anything with it since the representative did not add the amount for the refund. This means the refund request was not being processed for a whole month and left unfinished. So the representative added in the request with the amount I requested which was {$20000.00} dollars. The representative told me to check up by calling periodically to track my request. 
After this call, I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got the same types of answers with no one knowing the XXXX and telling me XXXX weeks compared to the first time they mentioned XXXX weeks. There was no transparency about the process and I was left hoping that everything will be done correctly. 
Now on XX/XX/XXXX, I finally noticed that my balance on my loan changed and I saw that {$10000.00} on my account. This was only half of what I asked for. I was missing {$9900.00} on my account. Also I was charged {$170.00} dollars on this day by advantage and it was taken out of my XXXX XXXX 
I called back after the holidays on XX/XX/XXXX after I received the direct deposit of {$10000.00}. They did not pick up and dropped my call several times. It seems they only refunded me what was the easiest to calculate and I still have a lot of payments which are not refunded made after XX/XX/XXXX ( Account history attached to this compliant ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
XXXX open operated fraudulently, someone as been using this account in my name posing as me and paying as well. please block and remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Consumer reporting agencies are reporting account with out my consent. According to The FCRA consumers have a right to privacy. 15 USC 1681. Nissan Motor Acceptance Company as well as XXXX, XXXX, and XXXX has violated my right to privacy. In accordance with the Fair Credit Reporting Act consumer reporting agencies may furnish a report in accordance with the written instructions of the consumer. I never have given instructions to niether the XXXXs or XXXX. 

My account with XXXX is an extension of credit approved directly from my credit card and is to be excluded from consumer reports. XXXX and the XXXX  are in violation of 15 USC 1681 ( b ) and must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: DE

Complaint narrative:
" XXXX XXXX '' is still reporting on both XXXX and Equifax, long after I have sent disputes in to the bureaus. They also have never responded to my disputes nor sent proof of HIPPA authorization. 

They have fallen short of providing me the following information : -Validate the alleged debt- Provide me with my HIPPA authorization -Please provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-Cease any credit bureau reporting until the debt has been validated by me. 

-Explain and show me how you calculated what you say I owe. 

-Provide me with copies of any documentation that show I agreed to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/2022, XX/XX/2022. Capital One XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/2022, I mailed out a certified letter to LVNV Funding regarding an alleged debt that they claim that I owe. I sent them a cease and desist letter in regards to the alleged debt. They received the letter on XX/XX/2022, according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: DE

Complaint narrative:
" XXXX XXXX XXXX '' continues to report on my credit profile. I have sent disputes directly to them and have not received any response far past the 30 days stated under the FCRA. Furthermore, they failed to provide me my XXXX authorization consent as well as failed to : -Validate the alleged debt - Provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-C

ease any cre dit bureau reporting until the debt has been validated by me. -Explain and show me how you calculated what you say I owe. -Provide me with copies of any documentation that show I agr eed to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
For the month of XXXX I was sent a Citicard offer for {$25.00} credit if I spent {$500.00} at restaurants by XX/XX/XXXX. I met the terms and never received the credit. I have called in XXXX, XXXX, XXXX and numerous times because it now says {$25.00} is past due. 
When I have spoken to an agent two agents say they saw where I was due the {$25.00} and the offers department says they do not see it. I am BEYOND frustrated. I have perfect credit and never have been late or past due in the 45 years I have had credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: IL

Complaint narrative:
Consumer reporting agencies are reporting account with out my consent. According to The FCRA consumers have a right to privacy. 15 USC 1681. XXXX XXXX XXXX XXXX as well as Experian, XXXX, and XXXX has violated my right to privacy. In accordance with the Fair Credit Reporting Act consumer reporting agencies may furnish a report in accordance with the written instructions of the consumer. I never have given instructions to niether the XXXX or XXXX. 

My account with XXXX is an extension of credit approved directly from my credit card and is to be excluded from consumer reports. XXXX and the XXXX are in violation of 15 USC 1681 ( b ) and must remove the 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Despite multiple disputes, Santander continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, Santander has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX, Santander wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXXLastly, during your XX/XX/XXXX call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but Santander has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX CRA dates but Santander knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and XXXX reports of XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal is refusing to close my open accounts. I have this odd feeling that we me being homeless that certain accounts that I lost access to as a result of my telephone number with XXXX  not being able to be recovered or ported resulted in my inability to recover these accounts due to XXXX. 

All attempts to engage corporate to close any accounts in my name have been met with shenanigans as well as acts of avoiding contact. They fail to establish a good time to reach me and instead engage in acts that mirror someone doing the least amount of work to contact me while leaving my accounts in play. 

I want all accounts in my name closed. They are requiring an excessive amount of information in order to close the account and are in my opinion abusive.

Company response to consumer: Closed with explanation