vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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:
Equifax will not delete the Bankruptcy from my credit report. They are violating 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 an account or public record without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: MS

Complaint narrative:
Republic finance has repeatedly added fraudulent fees to my account. This account has been closed for 3 years and some but yet every month the credit bureaus alert me that they are adding fees to my closed account I'm looking into this with my attorney because it seems to be fraud. I would like it corrected to the right balance and no more fees added monthly or I will be forced to seek legal actions and go to the XXXX XXXX to file proper charges. After the accident I'm just now starting to work again to pay my old debts but I can't stand by and let the companies ad fees every month that I don't owe. My initial loan balance was {$3100.00} now it has jumped over XXXX since the loan has been closed this is wrong and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX i had sent in a FTC report and police report to Experian and i have also called them many of times letting them know that these accounts are fraud they asked me to send in police report and a FTC report and they haven't removed it off my credit i been going back and forward with them for mouths

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 2022-07-07 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 an 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 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
During the course of my divorce, the proceeds from the sale of the house and other property went into a Wells Fargo escrow account in XXXX XXXX, Colorado, belonging to my husband 's attorney, XXXX XXXX. The divorce was final on XX/XX/2022 and on XX/XX/XXXX, XXXX XXXX believed he received an email and phone call from me asking that the funds be sent to me in XXXX XXXX. I was not in XXXX XXXX ; I have XXXX jobs in XXXX that are particularly busy in XXXX. However, XXXX XXXX went to Wells Fargo at XXXX XXXX, XXXX, CO and asked a banker, XXXX XXXX XXXX XXXX to wire the funds to me in XXXX XXXX. Which she did. I believe this is misconduct on XXXX fronts : First, XXXX XXXX  reportedly did not ask the protocol questions, XXXX ) Are you convinced this is a safe transfer ; XXXX ) Have you wired money to this person before? XXXX ) Are you aware the transfer has to be checked with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) as well as the Wells Fargo wire department? The correct answers would be XXXX ) No, XXXX ) No, and XXXX ) Fine. Second, what did the wire department do? If Wells Fargo had done due diligence, there is no way the money would have been transferred. I have had no assistance from XXXX XXXX or the bank to recover this money which was my life savings. After XXXX weeks, it is still gone.

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 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: IA

Complaint narrative:
Item was bought XXXX/XXXX. Received the product XX/XX/XXXX. XX/XX/XXXX I filed a dispute for an item I received and was not up to par with what they claim with discover. Waited 30 days and reached back out on XX/XX/XXXX and was told theyre still investigating and letting the merchant have XXXX  days to respond and I need to let the case play out. Was told I can call back in a week. I called back XX/XX/XXXX and was told that the case expired XX/XX/XXXX and the merchant still had not responded and the dispute was ruled in my favor. Fast forward to XX/XX/XXXX I got an email saying the dispute was charged back and deemed valid and that I needed documentation that the merchant agreed to refund me my money to my discover card with the last XXXX digits of my discover card. Discover does not want to accept an appeal and say they need that documentation to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
Dealing with payment collector from CNAC dab JD Byrider in XXXX XXXX TexasOn XX/XX/XXXX I was bombarded by a voicemail, a text, an email and calls to XXXX personal contacts without the opportunity to respond to any XXXX of these modes of communication. I called back in the morning responding to all three media and was called from a number which I later discovered was the collector on a cell phone. She claims it is a company cell phone but she had previously reached out by text and when I asked who it was there was no response. I have deduced that it is the collector sending harassing texts for a payment that was past due. On XX/XX/XXXX the I asked the collector about a text from phone number XXXX ( XXXX ) XXXX to which she denied. When I spoke with her today XX/XX/XXXX she changed her story and stated that she did not have to identify herself, meaning she lied when prompted about her identity on a cell phone. She also mentioned that this is how they conducted business. I informed her that I will be filing a consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MA

Complaint narrative:
To remove personal information that I dont want want on my credit report. According to the fair credit reporting act 15 usc 1681, I have the right yo privacy, also according to 15 USC 6802, no ganancial institution isnt suppose to share my information to third party companies. 

This are a violation of my federally protected consumer rights.

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 2022-07-07 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: MA

Complaint narrative:
To remove personal information that I dont want want on my credit report. According to the fair credit reporting act 15 usc 1681, I have the right yo privacy, also according to 15 USC 6802, no ganancial institution isnt suppose to share my information to third party companies. 

This are a violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 an 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 2022-07-07 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I have hard inquiries on my credit report from XXXX and XXXX and they are refusing to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: PA

Complaint narrative:
YOU VIOLATED THE LAW!!! 

As a reporting agency that assume the role of assembling and reporting information on me, the FCRA requires that it is done so in a manner that is fair and equitable to me. I did not grant any permissible purpose to obtain any information of me and report it. A consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You are reporting information on my consumer report that is to be excluded from a consumer report as well as reporting information about me without permissible purpose and reporting information that is not fair and equitable to the consumer ( me ). Furthermore, YOU ARE REPORTING INFORMATION THAT IS INACCURATE WITH THE CORRESPONDENCE I RECEIVED FROM XXXX XXXX. YOU ARE REPORTING AN AMOUNT THAT IS NOT EXACTLY THE SAME AS THE AMOUNT THAT XXXX XXXX XXXX STATED. BY LAW YOU SHALL REPORT INFORMATION OF MAXIMUM ACCURACY! 

Attached with this complaint the is the correspondence I received from XXXX XXXX XXXX and return receipt ( s ) as confirmation that you received my correspondence.

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 2022-07-07 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: CA

Complaint narrative:
Today I spoke to XXXX employee number XXXX at Equifax about fraud on my credit report concerning inquiries. 
After first asking if he was the fraud department I was put on hold while he located my credit file. 

I spoke about the two FTC letters that I had previously sent to have inquiries removed that were part of identity thief and that were not tied to any accounts that are reporting on my credit file. 

I have included XXXX letters that I filed with the FTC concerning the inquiries and the letters I sent along with the FTC LETTERS. 

I was told by XXXX that inquiries are not disputable and when ask about document of the stated process concerning inquiries I was told I can have that document. 
I was also told that they were not removed even though I received a letter stating they were was because I didnt separate the duplicate inquiries as separate line items. 

As you can see I have sent multiple lettersFTC reports and Equifax even had a fraud alert that I never requested on my report while some of the inquiries took place!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: TN

Complaint narrative:
I have notice an account on my consumer profile upon return from XXXX XXXX, someone opened a fraudulent account in my name and was paying it somehow but i noticed it when i started getting notifications from my consumer profile report. i have stated to this company and now i am notifying the credit bureaus that this is a fraudulent account obtain in my name. i asked this company to send the original contract with my wet signature, the company could not provide this information therefore proving that this contract is fraud and does not exsist. i am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me 15 USC 1692 ( E ) this is a violation of federal law. I dispute the validity of this fraudulent account which the company has failed to show or provide me with the original contract. This has caused me hardship because i have not been able to obtain credit because of this companies failure to remove debt in 30 days i have filed an affidavit in federal court for damages pursuant to federal law! 5 USC 1692 ( K ) this company is liable to such person the sum of 1,000 according to the F.and can be filed in the U.S. District Court This company must be removed from my consumer profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TN

Complaint narrative:
I have notice an account on my consumer profile upon return from military XXXX, someone opened a fraudulent account in my name and was paying it somehow but i noticed it when i started getting notifications from my consumer profile report. i have stated to this company and now i am notifying the credit bureaus that this is a fraudulent account obtain in my name. i asked this company to send the original contract with my wet signature, the company could not provide this information therefore proving that this contract is fraud and does not exsist. i am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me 15 USC 1692 ( E ) this is a violation of federal law. I dispute the validity of this fraudulent account which the company has failed to show or provide me with the original contract. This has caused me hardship because i have not been able to obtain credit because of this companies failure to remove debt in 30 days i have filed an affidavit in federal court for damages pursuant to federal law! 5 USC 1692 ( K ) this company is liable to such person the sum of XXXX according to the F.and can be filed in the XXXX XXXX XXXX This company must be removed from my consumer profile XXXX XXXX C/O XXXX XXXX XXXXXXXX XXXX, fl XXXX XXXX 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 2022-07-07 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 an 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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi checking account XX/XX/2022 and deposited {$13000.00} on XX/XX/XXXX through XX/XX/2022. On XX/XX/2022 Citi blocked access to my account and they are not letting me withdraw any money, nor make any more deposits. Citi told me my account would be closed in XXXX days and funds would then be mailed to me, but this is unacceptable. In the account agreement documents that were given to me when I opened the account, under Funds Availability, the longest hold time mentioned for deposits is XXXX business days, and it has now been XXXX business days. 

Additionally, the account was opened under a bonus offer that said I would receive {$400.00} after deposting {$15000.00} ( or {$200.00} if depositing {$5000.00} to {$14000.00} ) within XXXX days and maintaining the balance for 60 days after that. Citi 's actions have made it impossible to meet those requirements.

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 2022-07-07 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: CORELOGIC INC
State: MS

Complaint narrative:
I have hard inquiries on my credit report from XXXX and XXXX and they are refusing to remove them

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 2022-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello CFPB, On my recent Credit report for XXXX and XXXX I see a hard credit inquiry for the following : Inquiry : XXXX. XXXX, 2022 CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX I did not make any recent inquiries/ applications and believe this to be fraud. 

Note this is in addition to another recent hard inquiry on my account CFPB COMPLAINT ID XXXX submitted on XX/XX/2022 which I was able to receive a letter of deletion. Thank you. 

I am attempting to take steps to prevent this from happening- I've frozen both my XXXX and XXXX XXXX of XX/XX/2022 and will be starting the dispute process once I can get a letter of deletion from the issuer. 

I was unable to reach anyone of help at Capital One by phone. I will be submitting a letter with this Complaint ID to Capital One to the following address provided on their website : Report Suspected Credit Card Fraud Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Please let me know if you need any other information from me Thanks, XXXX

Company response to consumer: Closed with non-monetary relief