vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: SC

Complaint narrative:
XXXX ) For XXXX XXXX I have asked to please mail me the proof of the investigation and to remove this account and they have failed to this is the 3rd attempt the XXXX # XXXX balance of {$4900.00} 2 ) Also on XXXX XXXX of XXXX XXXX XXXX # XXXX {$930.00} I told them to please provide statements made and missed since I opened this account they failed to show proof and to update the account they also have failed to show proof or update the account. 

XXXX ) XXXX XXXX XXXX XXXX # XXXX {$2200.00} I never had a contract with this debt collector for any debt. And I'm asking to get it deleted which they are also refusing to do or send me the original creditor that this debt collector owns this debt and has legal authority to collect. 

XXXX ) XXXX XXXX XXXX # XXXX {$460.00} They fail to provide me statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Balance {$0.00} They have this account listed negatively These inaccuracies are highly injurious to my credit rating and I want it delete!

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 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
CBE GROUP XXXX has placed a claim on my credit report for Charter Communications XXXX This item has already been dismissed by another collection for being inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: PR

Complaint narrative:
For 2 years I have been sending letters to Equifax, XXXX and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX I wrote a check for my quarterly payment to the IRS for {$4000.00}. I noticed that this check cleared my XXXX XXXXk Account back in XXXX. In XXXX of XXXX, I received mail for the IRS stating that they never received this payment. So, I asked XXXXXXXX XXXX for a copy of the check. I learned that my check that is/was made payable to " US Treasury XXXX was deposited ( or cashed ) in/into a Chase Bank. The check was/is endorsed by what appears to be an individual 's name. I have a copy of this processed check ( front and back ) for you to review. I asked my bank, XXXX to help me. They processed a claim with Chase. Chase denied my refund unless I provided them with a signed/notarized affidavit signed by US Treasury XXXX I went to the IRS XXXX at XXXX XXXX XXXX, XXXX. Tx XXXX. The IRS told me that they can not and will not sign such affidavits. I then went in person to a local Chase Bank and sat with the bank manager. She told me that I had to have my bank fill out a form and send the request to Chase. I explained that that process was done and that is how I got to her. She said there was nothing else she could do. I ended up calling an XXXX number and asking Chase to consider helping a non-customer request. They did call me back and said they would not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Wayfair is withholding access to my account. They are refusing to let me login to my account and are not giving me any information about my account. This is illegal. I provided with all of my verification information and have spent hours on the phone and they just transfer me around in circles. They need to give me online access to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have attempted to reach out to the apartments whom filed the debt illegally. They allowed me and the other party whom was living there at the time the option to either move out of the apartment by a set date due to me being layed off my job or stay and receive an eviction notice. The deal when we left was that we would have no financial obligations what so ever and no evictions would be applied to our credit. We decided that that was the best overall decision. A few months ago my credit XXXX alerted me that I was debited the eviction. I have attempted to contact the property XXXX a week since XX/XX/XXXX including today XX/XX/XXXX. They never respond to my voicemails when I call from my number and the XXXX time I called from a different number and said my name they hung up and never answered that particular number again. The other party has since gotten the debt removed yet when trying the same action it stays on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: PA

Complaint narrative:
I have submitted different disputes about this information and they keep rejecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted different disputes about this information and they keep rejecting.

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 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
There is a difference between the amount that I got in the new loan and what was paid in the second company. 

I had a balance of {$22.00} XXXX with Ally my first lender. 

My second lander XXXX paid to Ally on the XX/XX/24 the total of {$22.00} XXXX Difference = {$590.00} There is a balance there that it counts on my second lender, but it was not owed on Ally. 

It was clear, and I was not informed how the difference occur and how it will be paid back to me or deducted from my second loan.

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 2023-06-12 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: GA

Complaint narrative:
In XXXX of 2023, I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 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 the 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 2023-06-12 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:
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 : XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I paid my car off in XXXX still have not received the title. I called XXXX times and they tell me they send the lean release over 2 months now and still have nothing i had them send XXXX different letters and none ever got to me. I need my car for work and can not register it until i receive this document. The workers are XXXX and they hang up on me every time i call. I am nothing but nice but im getting extremely frustrated. Please help with this problem nothing left but to sue because they will never send the letter

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX Hard checked my credit without my consent. I was under the impression this was a soft pull and would not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX Hard checked my credit without my consent. I was under the impression this was a soft pull and would not affect my 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 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I notified XXXX XXXX XXXX that an account had been opened in my company name without authorization, that I was disputing all charges, and the account should be closed. XXXX XXXX ( an account manager with XXXX  ) reached out to me. During our conversation he told me that he would issue {$950.00} in credits to my account but I would need to send him written authorization to reactivate my account for him to apply the credits to my account. He said the credit would be applied within 7-10 days. After waiting 10 days, the credit was not issued to the account. On XXXX XXXX, XXXX, XXXX XXXX replied stating that he was out sick and the email was not sufficient for the fraud team so I would need to send another written authorization. Another written authorization was sent on XX/XX/XXXX. A number of emails and phone calls were made to XXXX XXXX. He continued to promise us that the credit would be applied in a few days. We complied with his requests for written authorization based on the promise to issue these credits. The full amount of credits were never applied to the account as promised. On XX/XX/XXXX, XXXX XXXX stated that our account would not be reinstated. We immediately replied to send us a check for the balance on the account and on XX/XX/XXXX, XXXX XXXX stated that they would not issue a check for the credit balance on our account. We are still owed {$160.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

XXXX XXXX have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a hotel reservation for XX/XX/23 and was charged by La XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) using my XXXX  card ( transaction was authorized on XX/XX/23 for XXXX XXXX. When I arrived from XXXX  on XX/XX/23, I was told by XXXX XXXX ( who said she was the XXXX ) at XXXX XXXXXXXX that the reservation had not been paid for and there was no room available. I recorded our interaction on my phone. I immediately called my bank ( Wells Fargo ) and filed a dispute of the charges. Meanwhile, I booked a hotel room at a different location. I received a letter from Wells Fargo on XX/XX/23 that said the charges were valid and the temporary credit that had been granted would be reversed. I now owe Wells Fargo that amount although XXXX XXXXXXXX XXXX says that they never received a payment for the reservation. I am a XXXX XXXX  on a strict budget. I can not afford unnecessary expenses, nor can I afford to keep fighting with Wells Fargo or XXXX XXXXXXXX XXXX over who actually owes me this money. This has thrown my account in the negative. Please advise.

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 2023-06-12 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: CA

Complaint narrative:
On my Transunion account my XXXX  XXXX account ending in XXXX is showing my balance of XXXX but on my account its showing my balance XXXX and there are 5 inquiries on my account which there should only be my two XXXX XXXX credit cards and my XXXX XXXX auto loan also my credit reporting score should have increased due to my credit card utilization has dropped from XXXX % to XXXX % I would like this information to be readjusted!

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 2023-06-12 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: GA

Complaint narrative:
I have reached out multiple times to customer service and the XXXX office for assistance in removing a collections account that belongs to my ex husband, XXXX XXXX. XXXX XXXX XXXX court documents and a proof of claim have been provided to XXXX XXXX team multiple times and they are closing the dispute without diligently reviewing the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in XXXX XXXX 
Please assist me in Transuion reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. 
Thank 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 non-monetary relief