vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: DISCOVER BANK
State: GA

Complaint narrative:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: CORELOGIC INC
State: GA

Complaint narrative:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
XXXX has processed refunds that Avant has failed to post to my account. I am reporting to you as in the past I have had issues with this same credit card. Although they eventually make the adjustments, they do not adjust the interest charged. 

XXXX PROCESSED REFUNDS DATE ORDER AMOUNT CARD NO. 
XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX I am owed {$140.00} in processed refunds plus an interest adjustment. 

They have also reduced my credit limit from {$750.00} to {$500.00} for no reason. I have never been late on this account and normally pay in full. I also do not have anything negative reporting on my account. I had reached out to them but never received a response. As you know, any changes in credit limit impact credit scores. It is the only reason I do not close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX 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. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Opened auto loan with Wells Fargo ( WF ) XX/XX/XXXX, established an on-line account with WellsFargo.Com. Entered my XXXX XXXX XXXX  checking account information and paid on-line monthly from XXXX 's with no issue until XX/XX/XXXX. On XX/XX/XXXXXXXX XXXX  when I tried to make on-line payment for XX/XX/XXXX I was alerted that I had to enter my non-Wells Fargo Bank account information ( even though I had been using my XXXX XXXX account since XX/XX/XXXX ) in order to make a payment. I re-entered my XXXX 's account info and tried to make a payment. I received an alert that there was an issue with my account and my payment was not accepted. I called Wells Fargo that day and they said I would receive an e-mail verifying my XXXX XXXX account and then I could make a payment. I never received the verifying email. I called and WF told me it could take a few days. I still did not receive email in 3 days. I called again and WF said for me to re-enter my XXXX 's account info again. I did so on XXXX. I still did not ever receive a verifying email. On XXXX I called and had to make a payment over the phone. When I did so my XXXX 's account info was on file and they asked did I want to use that account. I said yes. On XX/XX/XXXX I received a letter confirming my XXXX payment and alerting me that if I wanted to cancel I must do so on XXXX before XXXX XXXX 

On XX/XX/XXXX when I tried to make my XXXX XXXX  payment I had the exact same problem even though I repeatedly entered my non-WF bank account info. I had to pay by phone again and on XX/XX/XXXX XXXX XXXX  also received a confirming letter saying I must cancel payment, if I wanted to, by XXXX 

# 1. Wells Fargo, after XXXX XXXX years, arbitrarily changed my ability to use my non-WF bank account to make an on-line monthly payment. 
# 2. WF never approved my numerous times to follow their instructions on verifying the use of my non-WF bank account to make an on-line payment. Even though they had my XXXX 's bank information on file. 
# 3. WF has made it extremely inconvenient to pay my auto loan monthly if I am not using a WF bank account. It's like they are trying to force me to open a checking account with them. 
# 4. WF forces me to make a phone payment even though they have my XXXX 's account info on file. WF sends a confirmation of phone payment and alert that cancellation of that payment must occur on the day of payment. That letter is not received until 4 days after the phone payment. Cancellation info is not given at time of phone payment.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TRANSUNION AND XXXX HAS VIOLATED MY CONSUMER RIGHTS PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT. HIPAA AND THE PRIVACY ACT BY ALLOWING XXXX XXXX  TO BE PLACED ON MY CONSUMER REPORT WITHOUT INVESTIGATION. I XXXX XXXX HAS NEVER DID ANY BUSINESS WITH XXXX XXXX, NEVER SIGNED ANY AGREEMENTS OR CONTRACT. YET TRANSUNION AND XXXX PLACED A COLLECTION ON CONSUMER REPORT. I NEVER RECEIVED LETTERS OR PHONE CALLS STATING THAT I OWE A DEBT.

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 2023-01-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
[ XX/XX/2023 ] To Whom It XXXX Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ PayPal Credit ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it.

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. 

Truly XXXXXXXX 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 2023-01-10 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: DISCOVER BANK
State: NY

Complaint narrative:
[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Discover Credit Card ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it.

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter.

Truly Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: MA

Complaint narrative:
On XXXX XXXX, 2022 I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$14.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Dakota Financial, LLC
State: GA

Complaint narrative:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: PR

Complaint narrative:
XXXX XXXX XXXX Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Capital One Spark Business Credit Card ] This information is obsolete and should no longer be appearing on my credit reports; please delete it. 

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. 

Truly XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I had to recieve a transfer in amount XXXX on XXXX XX/XX/2023. I have tried to contact my banking services several times and they're not responding. Till this date we did not receive a compatible response from them. We need our funds and it is requested to notify Wise XXXX  XXXX about this complain. 
>We are using Wise XXXX  XXXX  formally TransferWise for our banking services. 
>Our clients company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX AND EQUIFAX HAS VIOLATED MY CONSUMER RIGHTS PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT. HIPAA AND THE PRIVACY ACT BY ALLOWING XXXX XXXX  TO BE PLACED ON MY CONSUMER REPORT WITHOUT INVESTIGATION. I XXXX XXXX HAS NEVER DID ANY BUSINESS WITH XXXX XXXX, NEVER SIGNED ANY AGREEMENTS OR CONTRACT. YET XXXX AND EQUIFAX PLACED A COLLECTION ON CONSUMER REPORT. I NEVER RECEIVED LETTERS OR PHONE CALLS STATING THAT I OWE A DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have serious concerns that Discover Bank is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding the non-receipt of merchandise from a merchant. I believe I have presented more than sufficient evidence below, as well as corrected several misstatements by Discover, to warrant and immediate crediting of my account in the amount of {$190.00}. As I have detailed above, these procedural biases in favor of the merchant do not seem fair or appropriate, and could be due to the commercial relationship it has with XXXX. At the very least, it raises conflict of interest concerns. Any fair-minded reviewer of the evidence to date must agree the transaction should not be upheld. I therefore believe Discover is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and am fearful of the eventual final outcome as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX XXXX XXXX  BOUGHT THE DEBT FROM XXXX AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED XXXX COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX BANK. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! XXXX OR EQUIFAX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My car was repossessed and rhe amount to get the car back included {$2100.00} in just late fees. When asked about that amount Wells Fargo sent a report that showed late fees on every payment since 2017. ( Report attached ). The late fees were never once discussed or discovered until the repossession.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and Im have problema recieving any kinda of benefits because of fraudulent people who redirected my mail and duplicated my accounts and cant verify my identity have left me homeless and with no money. I can never get approved for anything. I have benefits on prepaid card XXXX cant seem to get to. Investments like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX had closed out my accounts. XXXX, XXXX, XXXX, XXXX down to my imcome taxes from XXXX. I have recieved absolutely nothing and need to know what's happen to everyting I applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: PR

Complaint narrative:
XXXX XXXX XXXX Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-01-10 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 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 non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
I submitted my receipt for a non covered dental service to my XXXX  provider ( XXXX XXXX XXXXOptum Financial ) on XX/XX/23. The receipt clearly shows the date of services, the amount and other relevant info for XXXX XXXXeimbursement. My claim was marked pending despite all the documentation and the company is requesting non relevant EOB information. The service is not covered by dental insurance and is marked as such on the receipt and other supporting information. 

This is not the first time this company has denied legitimate XXXX claims and put up roadblocks for reimbursement despite sending receipts and other supporting documentation. 

The claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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 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