vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Local Management, LLC
State: SC

Complaint narrative:
This company keep coming to my home looking for a family member ( XXXX XXXX ) that who do not live at my residence and according to the lady I spoke to the individual received their services while staying here, which is inaccurate. That individual never lived here even if they did they do not live here and I request they stop coming leaving letters after letters on my door please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I pay Wells Fargo {$45.00} a month on my XXXX XXXX account. As soon as I pay {$45.00}, they then charge my account {$45.00} so it looks as if I have not paid anything then charge interest on top of that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Credit bureaus are reporting against DC police reportXXXX showing that XXXX XXXX XXXX reporting negative is incorrect and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired 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 2023-11-18 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: MS

Complaint narrative:
On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX  I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: MS

Complaint narrative:
On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX  and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied of my 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 explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have XXXX credit cards with bank of American I mail the payments most times for both credit cards. I use checks on my bank of American accounts. they cashed XXXX but not the other. I waited XXXX days and still nothing. I tried to contact them via the app and now on the phone. I have been on hold for XXXX mins. I will have to put a lost / stop payment on the check. I want them to research how they cashed XXXX but not the other when they were in the same envelope.

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 2023-11-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
The new card was opened. A gift paid by visa from my sister for a birthday on XX/XX/XXXX. {$300.00} value. 

Gift card is missing middle numbers upon opening and missing security code in the back. 

This is new card that was just unwrapped. Vanilla gift card. Tried calling and they will not respond without a card number and there is no card number. So. No way to contact or resolve by intentional actions of the company it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Recieved email from Bank of America on XX/XX/ XXXX XXXX XXXXXXXX XXXX stating that an online banking account was opened. On XX/XX/2023, I received an email from XXXX XXXX ( a subsidiary of Bank of America ) stating that an application for a XXXX account is under review. At XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I called XXXX XXXX to rectify the situation. They confirmed that the activity was fraudulent as the user entered my social security number, date of birth, address, and name. They closed the application and flagged my social security number to prevent users from making an account with it. The representative also informed me that this information would also be passed along to Bank of America. However, I received another email from Bank of America stating that an online banking account had be created on XX/XX/2023.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Credit bureaus are reporting against DC police reportXXXX showing that XXXX XXXX XXXX reporting negative is incorrect and illegal

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Credit bureaus are reporting against DC police report,XXXX showing that XXXX XXXX XXXX reporting negative is incorrect and illegal

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 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Vance and Huffman LLC and it is showing on my credit report without my consent. I have no contract with Vance and Huffman LLC and have given no consent for them to use my name, likeness, or credit data.

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. 

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/2023 I received a notification that my XXXX loan was approved under the Approval of Your Borrower Defense Case Under XXXX XXXX  of the XXXX XXXX XXXX Settlement. About 2 months ago, I tried calling Mohela who is my XXXXXXXX  loan servicer but could not get through. Last month I sent a letter requesting the status. I still have not heard back this has been applied to my loans. I do not want to pay interest on forgiven loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: PR

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2023-11-18 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: PR

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the copmany transunion is reporting unauthorized inquires 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 explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Roadrunner Account Services, LLC
State: AZ

Complaint narrative:
Credit Score was told to me to be XXXX, then told to me to be XXXX. Both times I was told that it's too low to get an auto loan. I was told I can't get a loan because I haven't had a loan before, which is cyclical logic. There is no directly correlative reason to deny the loan. It's based on a fictitious number made by an intentionally obtuse process used by a company whose purpose is to obfuscate the discrimination that was always prevalent in the banking system. Without empirical evidence that there is a significant amount of risk involved in loaning to me, there is no actual reason not to loan to me. Therefore, if the loan is denied without the company being able to produce empirical evidence based on academically approved and accepted mathematics and statistics, then the loan was denied without good cause, and therefore the denial is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: LA

Complaint narrative:
We excercised our right as a XXXX family to reduce a APR of 27 % on my vehicle loan. We were denied even after submitting orders my husband was on during the time I had applied for the auto loan. Til date I havent been given written notification saying I am not eligible as a milospouse. Initially via telephone call I was told I didnt qualify as my husbands name wasnt on my auto loan. But he couldnt co sign cos of a bad credit history. XXXX XXXX  approved my loan on a. 27 % interest rate which I can not afford to pay. As a result we now can not afford to live day to day but need the vehicle for daily commute. The person name XXXX XXXX at XXXX XXXX has been extremely defiant in terms of helping us in accordance with the SCERA laws and reducing to atleast 6 %. The initial email was sent XX/XX/2023, he had made us wait 45 day ( according to his wait times ) and still hasnt given us written notice that we were not eligible for this reduction despite sending proof of my husbands XXXX XXXX orders during and around the time we purchased the vehicle. He is XXXX but he was on XXXX XXXX orders. XXXX XXXX ( Director of compliance ) has been extremely uncooperative in terms of adhering to SCERA laws and is looking for anything to not reduce the 27 %. It is sad that XXXX members have to suffer these circumstances and cruel treatment. To date he has not contacted us beside my husbands call to him requesting feedback to which he said we didnt qualifying. I just want to clarify that we dont and/or if we do can this please be reported and assist us in doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have the inquiries on my TransUnion credit report but i did not initiate them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-18 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: NY

Complaint narrative:
I noticed there are XXXX inquiries that I never authorized or initiated. I have submitted a dispute previously and I was advised by a supervisor to resubmit with a proof of address. Therefore, I hope this will finally get this matter resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My Venmo account was suspended on XX/XX/XXXX without a reason. I had requested a reason for my Venmo account being suspended and the support agent said they did not have access to this information, and I would be given a reason in " 7-10 business days '', which is not a reasonable amount of time when having access to my money is involved. I had also submitted a request through their online portal and it said that they were going to respond in 24 hours. I still have not received a response. The amount in my account is {$310.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX some of these are duplication and is really affecting my credit. In 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 non-monetary relief