vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2024-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, I purchased a sofa set with Raymor and Flanagan for {$900.00}. Shortly after the purchase ( XXXX XXXX ), one of the legs broke. I called to file a complaint several times and received varying responses over the phone with Raymour and Flanigan, including that someone would be sent to repair the object, that I needed to send photos to a link that I never received and that the merchant would be contacted to determine whether a new piece could be obtained for the damaged product. 

I had to contact Raymour and Flanigan several times to follow up when nothing was done. Each time I reached out, I had been told that there was no record of having made a complaint. The first record of my complaint was made in XXXX, XXXX ( more than one year after I first complained ). Finally, once my warranty on the item expired ( XX/XX/XXXX ), Raymour and Flanigan informed me that the merchant did not have a piece so nothing could be done. I purchased a sofa. There is no reason that I should have to replace it within a year or even two years. As a customer, I find it absurd to be told that there is nothing that can be done. So I have to buy a whole new sofa?

Being that I am on a payment plan for this item, I am paying through TD Bank. I files a complaint with them, which ended in favor of the merchant. Additionally, after calling Raymour and Flanigan about the amount that I am being charged with TD bank, it turns out that TD Bank is charging me more for the items that I purchased than Raymour and Flanigan is. When I asked TD bank about it, no one could tell me the reason because the system did not show the purchase history, since it was too far back. So am I expected to just pay my money toward something and no one knows what it is that I am paying for? Absolutely unacceptable. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: WY

Complaint narrative:
In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX CB indiago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo and their mismanagement of my monies, in which I entrusted to them. ( 86 ) fraudulent transactions remain unpaid by Wells Fargo. These transactions were allowed AFTER I had everything in place to prevent this- when my Email was hacked. Specifically, my accounts were disabled and deactivated. ( 2 ) of the larger fraudulent transactions were recently paid. Wells Fargo recently requested a list of all fraudulent transactions, instead of simply saying " All Transactions since XXXX XXXX  ''. I complied with their request, and copies were sent to XXXX XXXX. ( Escalations Rep. ) and XXXX XXXX XXXX of the Executive Office. I have heard nothing in response from either W.Fargo staff. Please note : if I have to file Complaints on each of these ( 86 ) fraudulent transactions, I will only be able to put ( 5 ) per complaint. And this would transaction in to ( 17 ) additional complaints, which would require a full staff at W.Fargo to respond.

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 2024-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Financial Institution : Comenity Capital Bank Product/Service : Credit Card ( Dell Financial Services Account ) Issue : Dispute of Financial Charges Due to Account Transfer and Autopay Cancellation Details of the Complaint : I am filing this complaint to dispute financial charges applied to my account associated with Dell Financial Services , managed by Comenity Capital Bank . This dispute concerns a total accrued interest charge stemming from an account transfer that inadvertently canceled my autopay setup, leading to unforeseen charges.

Timeline and Actions Taken : Up until XX/XX/2023 : I have been a diligent customer, making consistent payments and covering 98 % of my loan over 11 months through an autopay system. 

Recent Account Transfer : Without initiating the transfer myself, my account was transferred, which unexpectedly canceled the autopay and left a remaining balance of {$61.00}. 

Charge Incurred : Following this, I was charged a total promotional accrued interest of {$390.00}, as detailed in the statement dated XX/XX/2023. This charge appears to be for the full promotional period, despite nearly complete payment and the balance 's insignificant amount due to the administrative changes beyond my control. 

Customer Service Attempts : I have attempted to resolve this issue through customer service but faced long wait times and disconnections. The responses received acknowledged the automatic payment cancellation as an unintended result of the account transfer but did not offer a satisfactory resolution. 

Specific Disputes : Total Accrued Interest Charge : {$390.00}, which I find unreasonable given the circumstances surrounding the account transfer and autopay cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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:
Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning Experian 's, XXXX 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, Experian, XXXX, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including Experian, XXXX, and XXXX XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, Experian is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct Experian, XXXX, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I purchased a vehicle through credit acceptance, the interest rate was 22.5 percent. Then XXXX hit, I couldn't afford the payments, it was all going to interest not the principle of the loan. So I had to eventually I had to do a volunteer reposesssion of the vehicle. Now, it's still reporting on my credit. Becuase, when they resold it for less than the present loan the remaining. So car loan had a remaining balance, the company wanted me to pay the remaining balance.I just saw where Credit Acceptance was in a law suite .

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The Department of Education student loans were managed by Nelnet. Those loans were paid and transferred to XXXX. Now, both Nelnet loans and XXXX loans are listed on my credit reports. I disputed the inaccuracies with XXXX twice and the company continues to list Nelnet as open. I also included copies of the paid off account statement from Nelnet 's website to XXXX. 

It appears to creditors that I have {$360000.00} in student loan debt when I only have {$180000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am at the age where I am shopping for my first car. About 3 months after shopping around and receiving a few denials I decided to call Experian and get a copy of my consumer report. I checked my records across all three bureaus and found fraudulent records in each of my reports. According to the 15 USC 1681 law, there should be no damages on my 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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A radio control toy was purchased using XXXX  XXXX XXXX credit card on XX/XX/XXXX for {$240.00}. On XX/XX/XXXX the battery failed on the radio control toy resulting in a crash which rendered it inoperable. 

I submitted a claim to the purchase protection benefit under claim # XXXX. The claim was denied using the following language : " This benefit does not apply to boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle. Please refer to your Guide to Benefits, which outlines what items or losses are not covered. '' The above statement should be reasonably assumed to cover things like automobiles, aircraft, and boats that people can ride/drive in. Large, motorized vehicles that are registered and covered by vehicular insurance, NOT motorized toys. 

A subsequent call for further details indicates they cover nothing with a motor that can propel itself, negating these benefits for anything with a motor that moves. While understanding that a company must limit its liabilty for financial exposure the overall claim being asked is {$240.00} that is NOT covered by any automobile, aircraft, or boat insurance. The above benefit is not operating in good faith towards the assumed benefit to consumers -- and using terms in a broader context to deny claims than reasonably assumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX  XX/XX/2024. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have t XXXX CARD HARD INQUIRY removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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.

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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, XXXX 's, and Transunion 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, XXXX, and Transunion have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including XXXX, XXXX, and Transunion XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, XXXX, and Transunion to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, Equifax 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, Equifax, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including XXXX, Equifax, and XXXX XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, Equifax, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, Gramm-Leach-Bliley Act. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only one true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.

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