vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 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: WI

Complaint narrative:
I called Equifax on XXXX XXXX, XXXX about information I got from XXXX XXXX concerning my credit rating. It had gone down. XXXX noted the reasons. I strongly disagreed. Equifax agent said all he could do is send me info about their method. 

The Equifax statement arrived a few days ago. ( Today is XXXX. XXXX. ) It listed some reasons for the rating and noted info about how to file a dispute, which wasn't entirely accurate. Long story. In any case, they provide only limited links, which do not allow dispute of their conclusions or ratings. 

The Equifax notice cites the following reasons for their rating to which I'll respond, one by one : CODE 43 : LACK OF SUFFICIENT CREDIT HISTORY ON BANKCARD OR REVOLVING ACCOUNTS : I've had my XXXX  Card for several years and pay it off every month. I've never been late. I've had other cards over the years as well. I'm XXXX XXXX XXXX! I have plenty of credit history. 

CODE 8 : YOU HAVE EITHER VERY FEW LOANS OR TOO MANY LOANS WITH RECENT DELIQUENCIES. First, no delinquencies and no loans. I assume they're saying I'm not in enough debt. That's insane rationale. I've had all kinds of loans over my lifetime, all paid off. But I don't get credit for that while others who carry a big debt load do? That's nuts.

CODE 65 : LACK OF SUFFICIENT RELEVANT FIRST MORTGAGE ACCOUNT INFORMATION. Gads, do they do their homework? My spouse and I have owned three houses since XXXX. We're old. We paid them off. Seniors do that, if they're lucky. Getting downgraded for that or consequently denied credit for that is age discrimination. 

CODE 4 : THE BALANCES ON YOUR ACCOUNTS ARE TOO HIGH COMPARED TO LOAN AMOUNTS. There are no loans. Period. Are they referring to our XXXX XXXX? We pay for as much as we can with that card because XXXX gives us 2 % cash back. We pay off that card every month. We have never gone over our self-imposed credit limit, which could be higher if we wanted it to be. 

I don't understand why I wouldn't have the highest rating. All bills paid promptly, good monthly income, good assets ... my husband and I are so much better off than many of our contemporaries. But Equifax has got it wrong, I want the record corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX 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 2023-02-26 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX is not properly reporting my balance for my Wells Fargo credit card account also they are not reporting the correct credit score to Wells Fargo my credit score is XXXX and they are reporting XXXX. And my balance on my credit card is XXXX Also I have been trying to get a credit limit increase from Wells Fargo on my credit card and because XXXX isnt reporting the correct credit score to them I keep getting denied. I want my correct credit score sent to Wells Fargo and I want Wells Fargo to increase my credit limit as much as possible hopefully to XXXX or XXXX please

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 2023-02-26 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-26 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: 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 in confidentiality under 15 U.S.C. 1681. 

Progressive : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX : 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 an 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 a 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 2023-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: PA

Complaint narrative:
The company gave me a car note amount and came back with a different company with a larger car note amount after we agreed on which company would lend the loan. The company gave the loan paperwork to sign on the computer for XXXX. XXXX is the loan holder for the loan signed. Carmax is not the loan holder but has reported on my credit at a charge off for a car that was loaned from XXXX. I signed a pay off with another company to get the car loan removed from my name and Carmax stated the car is still under XXXX and can not be paid off because it registered to XXXX. A loan pay off expired after I went to a title company and the company would not release the registration information because the paperwork is fraudulent. I never received any contact from XXXX after signing the loan paperwork for them to be the lien holder. I have the paperwork that I signed with Carmax as XXXX as the lean holder. However, Carmax is the company reporting on my report. I do not owe Carmax. This company also sold me a car the year before and within two days the computer electric system began to stall and freeze inside a XXXX XXXX. Carmax also collected {$500.00} downpayment which is also fraudulent and against the law to accept down payments on cars. Carmax need to remove the account from credit report in its entirety or be sued. I have reached out to Carmax several times about the lemon selling cars and fraudulent paperwork. The only response received is that XXXX will not respond or remove XXXX will not remove their name as the lien holder. Car was returned for complaints and rechecked by XXXX XXXX  and returned with the same problems and no mechanical issues were fixed although the car has a warranty for 90 days or 400 miles and the car was driven for seven days before returned for further inspection with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This is the 3rd or 4th time I've requested my unit # be added to my XXXX address. It just seems to be such a mind boggling puzzle for Equifax to do this right! Why is it complicated? Is it XXXX XXXX? NO! Is it rocket science? NO!!! They just don't want it to appear accurately. By them sending me their junk reports from their system they think that means something to me. It means NOTHING!!!! It's a lie but when I run my real credit that creditors see, IT'S STILL NOT CORRECT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
I do not nor have I had an account with this company that originated in XX/XX/2022 as reported on my credit. This has negatively impacted my credit and I request you delete this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XXXX XXXX there were five separate fraudulent credit applications that I did not consent to or have knowledge of until after examining my credit report on XXXX XXXX  and was referred to this complaint process. Prior to this fraudulent activity an individual also attempted to withdraw funds from the bank account via social media and the police were told but did nothing to the culprit known asXXXX XXXXXXXX who is residing in XXXX TN. She obtained my sensitive information from her partner XXXX XXXX who had my information stored somewhere. The companies and their information is listed below. Thankyou for allowing me to submit this complaint and I hope it is resolved accordingly. Id law enforcement is notified Ill be happy to provide information. 
1-XXXX  XXXX XXXX 2-SYNCB/American Eagle XXXX XXXX SYNCB/TJX Co dual card XXXX 4-SYNCB- Belk XXXX 5-SYNCB/ 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 non-monetary relief
Consumer complaint received 2023-02-26 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: TN

Complaint narrative:
On XXXX XXXX there were five separate fraudulent credit applications that I did not consent to or have knowledge of until after examining my credit report on XXXX XXXX and was referred to this complaint process. Prior to this fraudulent activity an individual also attempted to withdraw funds from the bank account via social media and the police were told but did nothing to the culprit known asXXXX XXXX who is residing in XXXX TN. She obtained my sensitive information from her partner XXXX XXXX who had my information stored somewhere. The companies and their information is listed below. Thankyou for allowing me to submit this complaint and I hope it is resolved accordingly. Id law enforcement is notified Ill be happy to provide information. 
1-XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MD

Complaint narrative:
On XX/XX/XXXX, I tried to secure a loan but was told my credit had a debt collection against it and I could only get the loan at a higher rate. I immediately pulled my credit report only to find my total score dropped XXXX points ( XXXX to XXXX ) and I had a debt collection against me. This was a 1st heard for me and I didn't get any notices or calls prior to this date. I immediately placed a fraud alert on my credit report. 
I called the 3rd party debt collector Helvey & Associates INC on XX/XX/XXXX, who is attempting collection on the behalf of XXXX XXXX in North Carolina. I wasn't able to talk to anyone as their organization was closed. I left a voicemail and received a call the following day ( XX/XX/XXXX ) in which we discussed the matter. During that conversation, I learned there was an electric bill account ( XXXX XXXX ) in North Carolina opened over 14 years ago in my name and there was a balance under {$900.00} that now has morphed into a balance of {$2300.00}. My account and credit was flagged XX/XX/XXXX by the collection agency. My credit report/history never had an entry from XXXX XXXX or this collection agency before last year. 
I never lived in that state, however I did own a rental property at the address in question ( XXXX XXXX XXXX. XXXX, NC ) over 14 years ago and sold it not long afterwards. I ended up suing my last tenant for eviction ( and won ) and later sold the home. 
This debt collection and the creation of a false account in my name has effected my credit score, opportunity to make purchases at competitive rates and now I must report to my government employer as I currently hold a security clearance. 
I would like this resolved by removal of the the debt, my credit score placed back intact and a fraudulent alert placed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: MD

Complaint narrative:
I obtained a loan with LendingPoint to pay for dental work. I was told that this loan would be 0 % interest for one year. I gave them my credit card information to make the first monthly payment. I understood that the second monthly payment would go through the same way.

LendingPoint failed to charge my card for the second payment and instead notified me that my payment had not been received. Upon receiving this information, I made the payment online and sent a message to LendingPoint about this misunderstanding. 

They never responded. 

They are now charging me a very high interest rate ( over 20 % ) as punishment for this payment they deemed late, while ignoring my attempts at communication. 

I feel that this is a predatory and usurious lending practice and at the very least I am dismayed by their blatant refusal to communicate with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
The company advertises a toll free number, but yet there is a fee every time I call the number on the back of my card. The number on the back of my card is the same number on the website and any statement. It is very difficult to get a live representative on the phone. Once the number is called, the caller is put into a loop of recordings, hung up on and forced to call back. XXXX XXXX XXXX use to send paper statements in the mail and now I am charged a fee every time I call the number to request a statement. I have never been able to make an online account. It was not important to me until they stopped sending monthly paper statements in the mail. Now it costs me a fee to call the number on the back of the card. The few times that I can actually get a live rep on the phone, I am given a ticket number and told I will receive a call back within 2 days. If I miss the call from another state, I have to go through the same process all over again and pay more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2023 I called Affirm Customer Service to ask a question about my account loan. I returned 3 items to XXXX and was concerned how Affirm would know not to take the payments out of my account for the items I returned to XXXX. Customer representative said he will transfer me to someone, the person I was connected with repeated the last 4 numbers of card that was used for transactions and asked me to confirm that the last four numbers.

After that I was alerted by text message that suspicious activity was happening with my personal bank account. I instantly contacted my Bank and confirmed I did not make any withdrawal transactions of any kind. 
They told me XXXX  transactions were made to someone I never heard of. 

Claims were made with my bank, cell phone company and a police report has been filed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation