vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: LA

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

15 U.S.C 1681 602 A. States I have right to privacy 15 U.S.C 1681 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 non-monetary relief
Consumer complaint received 2022-05-17 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: LA

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

15 U.S.C 1681 602 A. States I have right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
After repeatedly receiving harassing phone calls from XXXX XXXX  at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX  XXXX XXXX XXXX , received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the Affidavit, XXXX had 21 days to respond with a completed notarized Debt Disclosure Statement. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All 3 Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX XX/XX/XXXX XXXX- XX/XX/XXXX Transunion- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.

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 2022-05-17 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: GA

Complaint narrative:
After repeatedly receiving harassing phone calls from XXXX XXXX at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX  XXXX XXXX XXXX , received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the Affidavit, XXXX had 21 days to respond with a completed notarized Debt Disclosure Statement. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All 3 Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: CA

Complaint narrative:
Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. 

This statement was submitted by Experian in response to my submission of a Police Report as Experian requested as a prerequisite to remove an erroneous address on my credit report. They accused me of purposely blocking information when you can clearly see that is the way the Police Department submits their reports. The Police Department was kind enough to provide me with their copy that shows all of my pertinent identifying information. I resubmitted this information to Experian on or around XX/XX/2022. Experian received this information on or around XX/XX/2022. Proof of this is attached, Experian now needs to remove the erroneous address because they have exceeded their timeframe for investigation and did not follow up or respond to my dispute. In addition, I have provided the proper documentation from the Police Department with all identifying information as requested by Experian. This is around the XXXX request.

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 2022-05-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 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
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
For the last two weeks I have been trying to bring my account current with Sallie Mae. Every single time I call in, the agents give me the wrong information on the amount. On my account it said I had to make a payment of {$1000.00} to bring my account current. I called during the week of XX/XX/XXXX - XX/XX/XXXX, the first time the women told me it was {$1100.00} to bring my account current she assured me it was that amount. I called again and the man I spoke to told me the amount was not {$1100.00} it was {$1100.00} that I had to make to bring the account current. I told him where he was getting that number from because when I login it says {$1000.00}. He said no I had to pay {$1100.00}. I called again that same day in the afternoon after I had scrapped some money to make that payment. I am currently XXXX XXXX XXXX XXXX XXXX I care for so yes that money was difficult for me to come by. When I called in on XX/XX/XXXX a woman answered she assured me the previous amount of {$1100.00} was incorrect and that the correct amount was {$1000.00}. I asked her that was the amount that I was seeing on my screen and if that was correct? Again she reassured me like 5 times that was the correct amount. I asked her if that amount will bring my account current she said yes. I told her I would pay it. So I paid it and she said it would take two days to process. I hung up and I called back on XX/XX/XXXX to make sure the payment was processed. I was already feeling untrustworthy of the company but what happened next is not okay, period. The man told me my account was past due and that I needed to bring it current. I was appalled!! I told him the woman I spoke to on XX/XX/XXXX told me the amount of {$1000.00} would bring my account current. He said it did not because she did not process the payment correctly. So they took the money they did not hesitate but they did not process the payment " correctly ''. They said I have to wait 5 business days to get it " fixed '' on my account. How am I responsible for their fault? Why should I have to wait that long. I spoke to a manager and she was no help at all, she gave me an even longer time frame saying to call in a week from now to " see '' if it had been fixed. This company is the most unprofessional company I have dealt with. The fact that they are still in business is ridiculous. I have to pay for a mistake they made and the manager said " well you haven't accumulated any late fees yet '' on the mistake they made, like I should be thankful for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I was gifted a {$100.00} virtual Vanilla gift card from my boss via company email for XXXX XXXX on XX/XX/XXXX. I never used the card, primarily because I didnt know how to redeem it. I recently went back to this email and clicked the link included and found that there were 2 transactions against this card totaling {$88.00} that I did not originate or authorize. I called Vanilla customer service and was told that they would be willing to re-issue a new card for the remaining {$12.00} balance and that they would investigate the charges but would likely not be able to recover the stolen funds. 

I understand that gift cards are like cash and therefore, limited recovery is available if lost or stolen. However, my complaint is this was issued as a virtual card so in theory, no one other than the buyer ( my boss ) and the recipient ( me ) should have had access to the specific information on the card. Therefore, assuming this company took even precursory precautions to insist that all information from the card be included for a successful transaction, the fraud would have been detected when the perpetrator wouldnt have known the CVV or who the card was issued to. The other problem with the position the company takes is the loss was not the result of any act or omission on my part nor on the part of the original buyer of the card. We know that since neither of us has so much as looked at the card or the account since XX/XX/XXXX. So therefore, the account number and security information must have been stolen from off of Vanilla systems or due to lax policies and procedures at Vanilla regarding customer data and fraud detection. And yet, their position is that they are not responsible in any way for the loss they caused. Astounding. 

Obviously, I dont expect this to result in any further communication or recovery but I do think it is worth my time to open a complaint in the event that enough of these kinds of complaints might eventually lead to better regulation and controls being put in place around this industry and their products. I will also be forwarding the complaint to the CFPB for their investigation as well. And finally, as someone who has never purchased a Vanilla gift card and has had only one experience with the company and its products, based on what I have seen here, I would never purchase one of their products unless or until the proper regulatory framework is put in place to ensure that even basic protection of customer data and fraud detection is mandated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I took a loan with Wells Fargo in XXXX, I used to pay the loan on time by auto pay without any issue. I had some hard time due to loss of income and the pandemic, it became difficult to make the payments on time. Then i was able to bring my loan current. 
I had a specific representative assigned who assured me the following : - The bank will waive some of the late fees once i brought my account current and paid 3 consecutive monthly payments on time.

- The auto pay will be reinstated as well. 
That was a lie because, no fees were waived and the account can't go back auto pay because of the late fees. She jerked me around, she made me filled out all the required paperwork, and emailed them to her to set up auto pay. When the payment wasn't drafted on the first of the month, I called her. this is when i realized it couldn't be done because of the late fees. If i didn't call i would have incurred another late fee. 
All i am asking the bank is to work with me to waive some fees, so i can pay the rest, bring the account current and reinstated auto pay. 
There is another issue, i can't pay this loan on line, or at a local branch. The only way to make payment is by phone, wait for 30 ' and be transferred over and over before the bank graced you with the ability to fulfill your obligation. 
- I got a severe form of XXXX in XXXX of XXXX, I was on a XXXX  for a month, and in XXXX. I loss income months of income, it took me a lot of time to get back on my feet. All i want is for the bank to work with me with these fees.

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 2022-05-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XXXX XXXX advertises a credit card that will give a XXXX percent discount on the first purchase. I applied for the card and it was awarded to me on XX/XX/2022. The card is issued by Synchrony Bank. I used the card for an on line purchase of a miter saw on XX/XX/2022. Their on line process does not allow for the XXXX percent discount to be awarded at that time, so I called both XXXX XXXX and Synchrony Bank to request my XXXX percent discount. I have repeatedly spoken with customer service reps about the issue, and on XX/XX/2022, I learned that XXXX XXXX has denied my request ( which amounts to about {$32.00} ). I believe that XXXX XXXX and Synchrony Bank are misleading customers to apply for a credit card under false pretenses.

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