vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a victim of IdentityTheft I have followed all the recommended steps to take including but not limited to : Dispute Letter with fraudulent accounts FTC Report Police Report Driver License Government ID and Social Security card.

I have sent all these documents " certified '' with tracking and delivery confirmation.

However the fraudulent accounts remain on my credit report along with other discrepancies. 

The fraudulent account that remain are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After a quick XXXX search I noticed that business " XXXX XXXX XXXX ' is a fictitious business. *The address doesn't match the business. * XXXX. Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA ( 15 U.S.C . 1681 ) Transunion has violated my rights by negligent and wilful noncompliance with the law after my discovery and informing them of the discrepancy. I have the right to privacy and 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 2022-11-30 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: NC

Complaint narrative:
Previously a complaint had been submitted for the reporting of incorrect information. Equifax removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and Equifax have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all XXXX agencies. Yet each agency has validated the information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Previously a complaint had been submitted for the reporting of incorrect information. XXXX removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and XXXX have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all 3 agencies. Yet each agency has validated the information as accurate.

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 2022-11-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as toe transactions or experiences between the consumer and the person making the report ; 576 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-11-30 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Transunion permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing these items on my report that I don't recognize, I don't have any dealings with them so this time I'm seeking help from the FTC to get these things removed from my credit report. This is now being investigated by the FTC so I hope the credit bureau would also cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery acting on behalf of XXXX XXXX Bank repeatedly called me XXXX times within a XXXX XXXX hour window. Yes, I owe a debt to XXXX XXXX, but the account was NOT in a past due status. I attached XXXX call logs from my phone showing a number from XXXX and the times they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have reached out to PNC on several occasions in regards to requesting a refund for fraud and when I spoke with a worker I was told that I had until XXXX to file a dispute. I filed the dispute prior to this date as I was trying to go back and forth to see if the company Beyond the chair would refund me as they are fraud. I've called several times on this account and asked PNC to file a dispute, but they refuse to reach out to the company who took my money for a service that was NEVER received. PNC doesn't want to dispute the charge. I've reached out and filed the dispute several times and submitted all the documents. On May I went to a meet and greet with business owners who scammed me out of {$990.00} and I reached out to them several times to get the ball rolling. This company didn't respond until I stated I'm getting my bank involved. During this time we got the process rolling to start and then they ghosted me. I reached out a lot to see if they can refund me. I then reached out to PNC and spoke with a rep who stated I have until XXXX to file a dispute and just be sure to add all the documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my credit report, XXXX XXXX XXXXXXXX information is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both Transunion and XXXX. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX 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 the records of convictions of crime which antedated 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 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Good morning, I have recently submitted, per US UCC Code 3-104, a notarized negotiable Instrument to Navy Federal Credit Union , to settle the Credit Card debt . Sent in a certified letter ( attached ).

Also, per the Fair Debt Collection Practices Act, I requested the company to send me the Generally Accepted Accounting Principles ( GAAP ) Ledger ( the account Navy Federal Credit Union used to loan me the money in order for me to use the credit card ) according to the Fair Debt Collection Practices Act. Instead, I was provided a Payment History which is not in accordance with the Fair Debt Collection Practices Act per my request, to which they are in violation. Section 809.

Navy Federal Credit Union is also in possession of my Original Promissory Note. They did not return the Original Promissory Note, nor with a legitimate written explanation as to why their organization is exempt from United States legislation, UNIFORM COMMERCIAL CODE or why the Legal Instrument is unacceptable. To which I assume they've monetized it without my permission or knowledge due to its non-return. Per my original letter stating they are to return the original document or it would be considered theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
*THIS IS NOT A DUPLICATE COMPLAINT* Hello, My name is XXXX XXXX XXXX I'm contacting you today requesting accommodation for Account # XXXX. I spoke with a supervisor by the name of XXXX ( I'm not sure of her last name ). She informed me that it would take up to 30 days for the accommodation request to remove the " Late '' payment from my consumer report. However, It hasn't updated and I'm starting to get concerned. As I stated before My wife and I went to XXXX for our anniversary and wasn't able to come back into the country for 3 weeks because we constantly tested positive for XXXX. Unfortunately I had no control over this matter that resulted in me falling short on my bill one time. If you view my account you'll see I've never been late before or after this one time. I come before you today in hopes of you to accommodate and remove the " Late Payment '' that is reporting on my accounts from that struggling period of my life. Please take this into consideration and re-report the " Late Payment '' as currently to the consumer reporting agencies. This unfortunately situation is ruining my financial repetition. I'm contacting you today in hopes of receiving an update to my original inquiry or some sort of resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: CT

Complaint narrative:
Please reference existing complaint CFPB # XXXX submitted on XX/XX/2022 regarding this issue. 
Tesla has not responded to my complaint nor has it stopped demanding unjustified late fees. This complaint is regarding what appears to be retaliation and harassment for filing the CFPB complaint.

1. Tesla has begun texting me repeatedly, claiming that my account is past due when they are well aware that I have made a complaint regarding unjustified late fees and they have not resolved that complaint or even responded to it. I have received 8 such texts, and some emails, since XX/XX/2022. 
2. Tesla no longer mails me paper bills, and sends me emails that my invoice is " available on my Tesla app. '' I received such an email today and attempted to access the invoice on my Tesla app account as instructed. when I logged into the account and accessed the " financing '' tab where the invoices were previously shown as links to pdf files, the financing tab would not open and showed an error message telling me to try again. After several unsuccessful attempts, the " financing '' tab has now disappeared from the application when I open and log into my account. I no longer have a way to access my lease invoice, payment history, or account documents. 
I request that Tesla be ordered to provide me with timely copies of the invoices, payment history, and other lease document either by email, mail, or through a working application. i also request the relief for my original complaint including removing unreasonable late charges and accepting and processing mailed payments by check in a prompt manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Every month I go on the Victoria secrets mobile app it does not accept my sign in information. I have used my account number and that is an issue as well. I am unable to call and thats why the app is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: MO

Complaint narrative:
My home address and employment is wrong my home address is XXXXXXXX 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 2022-11-30 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: UPGRADE, INC.
State: CA

Complaint narrative:
I received a debit card in my name and the company the it was opened under is not helping me Upgrade Debit Card I called the number on the back of the card XXXX I was transferred numerous times and no one can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires 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 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 2022-11-30 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as toe transactions or experiences between the consumer and the person making the report ; 576 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. The amount was, I believe, {$320.00}. It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days " as a matter of policy. '' I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. A few weeks later, they did send me the refund check and I cashed it. First, they called me and told me that I owed them {$500.00}. Then, today they called me saying that I owed another {$400.00}. I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise. 

Attached is the letter that they sent to my husband, and he has been paying for the car the whole time but they wiggled out of answering the question with an excuse that he was not authorized to hear information. 

They called him on the telephone on XX/XX/XXXX at about XXXX a.m. and did speak to him about the " debt '' owed, but would not talk about any of the service charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.

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