vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I went to XXXX XXXX on XX/XX/2022 with a pre approval letter from XXXX XXXX. I told the sales rep that I only wanted my credit to be ran through XXXX  XXXX. The sales XXXX XXXX said no problem. The dealership was getting ready to close, the sales rep said XXXX dealership will process my loan on XX/XX/2022. I met with XXXX XXXX who talked me through my paperwork. I stressed a second time, that I didnt want my credit ran with a bunch of companies. He said no XXXX XXXX we ran your credit through XXXX which came back at 14 % ARP. Then he said we tried our finance company that came back with less. I said okay. He told me that I still had the sign the document that had all the lenders listed. But he again said to me, dont worry we are not going to run your credit against those lenders. I started receiving denial letters which indicate that XXXX from XXXX lied and was very deceitful. Those inquiries were done under false pretenses. It was a slap in the face and when I called him out on it, he turned it around and stated you signed the document. How conniving of XXXX XXXX to do that.

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 2022-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I requested a Public service Loan Forgiveness and Temporary Expanded PSLF application from Aidvantage. I faxed the completed forms to the number given, XXXX on XXXX. I attempted to call Aidvantage XXXX times to confirm receipt of the forms. The last time I called they stated, " We don't process those forms, XXXX does, '' and gave me the phone number to XXXX. I wanted to confirm the receipt of the forms with XXXX. and tried to do so with no success. Then I started reading things online about, your loan will be transfered if you apply for PSLF. I do not want that! I don't even know if I qualify for PSLF, but I wanted to attempt to qualify, and have a dialog with Aidvantage about whether I qualify or not! Now I don't know where my loan is located, and what it's status is! I also filed a complaint about the balance of my loan which rocketed up {$20000.00} when Aidvantage got a hold of it from XXXX. I filed a previous complaint about that to have it reduced back to the correct amount from when XXXX held it, which was approximately XXXX, not XXXX! I'd love it if my loan was further reduced by PSLF, as I have worked in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my whole life. I also have applied for XXXX XXXX XXXX loan forgiveness, which would be XXXX XXXX forgiven as I have a Pell grant. I also want my XXXX paper forms, which Aidvantage still has not sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: OH

Complaint narrative:
My problem is with Klarna, a buy now, pay later service. 

My wife and I made a purchase through Klarna with XXXX XXXXXXXX, for {$910.00}, on XX/XX/XXXX. Klarma charged me half upfront, so {$450.00}, with the balance due in three payments. We placed the order for curbside pickup. 

XXXX  refunded my order on XX/XX/XXXX, as they gave away my order in error, to another customer. 

XXXX  refunded {$240.00} to my debit card. They then refunded the remaining {$210.00} to Klarna. 

Klarna now owes me {$210.00}, for the balance of my refund. I have contacted them multiple times, but they will not refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: VA

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 XXXXXXXX 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 2022-11-01 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: EQUIFAX, INC.
State: VA

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  : # XXXXXXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The previous complaint was closed ( XXXX ) In the response to that complaint Bank of America stated that all they needed in order to release my funds is a letter from the state of Arizona stating that I was authorized to have funds deposited into my account on behalf of my clients. I have that letter but they did not give me an address to send that letter to. They also failed to mention that part of the funds they are holding are from a Direct Deposit in the amount of {$1900.00} made on XX/XX/2021 by my employer.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I opened a checking account with Popular Bank in XXXX 2022. In XXXX 2022 I was informed by Popular Bank that I live outside of the community they serve. I live in XXXX XXXX FL, their closest branch is in XXXX FL. I understand this and accept their decision however I deposited in total {$320.00}. To date the bank has only returned my initial deposit of {$100.00}. The bank is requesting that I visit the XXXX branch in order to retrieve the remaining funds. I accept that it is their right to close the account due to me living outside of the community they serve, however asking me to then visit the branch to retrieve the remaining funds is not logical. I have called numerous times to request that an official check be mailed to my address but they refuse. I would like for a check to be sent since I live outside of their service area it would be an undue hardship to request that I now visit their branch in XXXX FL.

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 2022-11-01 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: MI

Complaint narrative:
XXXX, XXXX, and Experian are putting false information on my credit report without my permission. They never verified anything with me, so now they are defaming my character. I sent all 3 a letter and they still have not responded.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
experian stated to me that they deleted inquirysi mentioned from XXXX and XXXX but still on 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 non-monetary relief
Consumer complaint received 2022-11-01 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: SC

Complaint narrative:
XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-11-01 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:
I AM WRITING IN REGARDS TO THE DISPUTE IVE SENT OVER 30 DAYS AGO IN WHICH I GOT NO RESPONSE THIS IS UNEXCEPTABLE AND ITS A VIOLATION OF 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 2022-11-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have asked numerous of times for my credit report to be corrected. We are in court for foreclosure but Fifth Third Bank is not cooperating with XXXX to prevent foreclosure on my townhome. I am unable to obtain a loan as Fifth Third Bank has put a foreclosure on my credit report. The judge has not ruled in this case. My credit report should not reflect a foreclosure. By the foreclosure being on my credit report I can not purchase inventory for my business. My business is now suffering. This is retaliation for me fighting for my rights. Fifth Third Bank was notified in XX/XX/2022 I was using XXXX to bring my mortgage up to date. In XX/XX/2022 I was served with a summons for foreclosure with fake documents. The note and promissory note I received was not signed off by Fifth Third Bank. This kind of behavior is not in the best interest of the public. How many other cucumbers are going through this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
Nothing was done it's been 32 days and i need this information remove! 

All Hard Inquiries and soft Inquiries as well XXXX. Names XXXX. Address XXXX. SSN Variations XXXX. Employes XXXX. Other Records

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 2022-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
N

othing was done it's been 32 days and i need this information remove! All Hard Inquiries and soft Inquiries as well 11. Names 21. Address 2. SSN Variations 4. Employes 5. Other Records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: SC

Complaint narrative:
XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-11-01 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Debt of {$56.00} owed to XXXX XXXX  came from unknown source and is not a debt of mine

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I booked a flight with XXXX XXXX on XX/XX/2022. Due to unforseen circumstances I had to cancel my flight for XXXX. The representative I spoke to said I can not receive a refund because it is outside of their XXXX cancelation period. This is unfair because my flight is literally XXXX XXXX away. As a XXXX XXXX  only receiving flight credit will not help this situation. Being refunded for the amount charged on my card will only suffice. This has been heartbreaking and overwhelming.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo hosted a fraudulent customer, i.e., XXXX XXXX XXXX XXXX  posing online under the website and name " XXXX XXXX ''. They allowed multiple transactions from multiple different banks, and from multiple different XXXX XXXX and now they refuse to refund my 2 wire transfers made to the fraudulent account they hosted. Even if funds are no longer available in that account, Wells Fargo should be held liable for hosting fraudulent activity. 

There are many other XXXX  investors who have attempted to contact Wells Fargo , and similar to myself they were told by Wells Fargo that there is nothing that can be done, and that I can't open a case because I'm not a Wells Fargo customer . I attempted to contact multiple departments and eventually was hung up on by the legal group. 

I have contacted authorities and the XXXX and hope to see Wells Fargo admit wrongdoing and gross negligence soon to reach a resolution.

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 2022-11-01 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ITS BEEN 30 DAYS SINCE IVE SENT OFF MY DISPUTE LETTER POINTING OUT THE OBVIOUS VIOLATIONS/INACCURACIES REPORTING 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 non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Recovery Group LLC
State: FL

Complaint narrative:
ELITE Collection Services has been reporting negative information to my XXXX and XXXX credit reports for over 5 years. I have disputed this agency multiple times over the past few years. They allege that I owe a company by the name of XXXX XXXX XXXX XXXX money from a rental, when that is not true. 

Elite Collection Services continues to fabricate falsified documents claiming they are mine, when they aren't. I have never done business with XXXX XXXX XXXX XXXX, nor have I ever heard of them. 

XXXX and XXXX continue to report this falsified information despite sending multiple letters to both credit bureaus disputing the debt. XXXX removed the false negative reporting, but the other bureaus have yet to do so.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX  I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.

Company response to consumer: Closed with explanation