vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
Celtic Bank XXXX box XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Reference Number : XXXX Dear XXXX XXXX Thank you for submitting a prequalification request for the Surge credit card issued by Celtic Bank and serviced by Continental Finance Company . Upon review of your request, we regret that we are unable to prequalify you at this time for the following reason : We are unable to access your credit report due to a security freeze. You may contact the bureau to remove the freeze and reapply. 

Our decision was based, in whole or in part, on information provided by you and the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply reasons why we have denied credit to you. 

You have the right within 60 days after you receive this notice, to obtain a free copy of your consumer report by contacting the consumer reporting agency listed above. You have the right to dispute the accuracy or completeness of any information in your consumer report by contacting the agency listed above. 

If you have any questions about your application, please call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, Credit Officer The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income is derived from a public assistance program ; or because the applicant has in good faith exercised his/her right under the Consumer Credit Protection Act. The federal agency that administers the compliance with this law concerning this creditor is the FDIC Consumer Response Center, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, MO 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 2022-07-16 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: PA

Complaint narrative:
This account is not mine and needs to be removed asap someone was using my information. 


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
Consumer complaint received 2022-07-16 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:
In accordance with the Fair Credit Reporting act XXXX Account ( car loan, credit card and hard inquires are listed below ), 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 XXXX XXXX XXXX Account info Account number XXXX Account status Closed Date opened XX/XX/2019 Account type XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only XXXX XXXX  Account info Account number XXXX Status Charge-off Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number ( XXXX ) XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX there are XXXX of these reporting on my credit report XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number ( XXXX ) XXXX there XXXX of these reporting on my credit report XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number XXXX XXXX ) XXXX there XXXX of these reporting on my credit report XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number XXXX XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX XXXX XXXX there are XXXX of these reporting on my credit report XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( 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 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I tried to terminate my monthly membership with XXXX XXXX after only going to their location ONCE in XX/XX/2021, but was unable to get in touch with anyone, or perform any processes online that allowed me to do so. 

They continued to keep fraudulently charging an expired XXXX card, I had to issue a stop-payment order to even get them to stop, as they had already charged several hundred dollars to my account without my knowledge. 

I attempted to call their phone lines dozens of times, waiting on hold for hours before being disconnected. I was never able to get in touch with any people to resolve anything. 

In addition to this, I never received any notice in the mail from anyone about any attempts to collect debt ( illegitimate or not ). I never provided my social security number to XXXX XXXX, nor did I authorize them to continue charging me for a service I was no longer using, and had long cancelled via my cardholder 's stop-payment order. 

Suddenly, a mark appeared on my credit report, which is detrimental for me as I am due to purchase a car soon, which is how I found out about this. I never received any notice in the mail of any kind informing me of an impending collections action, nor any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was told my credit was going to be ran once for auto loan it then was ran multiple times through XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX and XX/XX/2020 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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo sent me a letter reporting someone tried to open a new deposit account using my personal information. I called the phone numbers they provided and all 3 asked for my SS #. They didnt match XXXX XXXX XXXX phone numbers. 

XXXX XXXX XXXX  XXXX recently told me my personal information is on the Dark Web. 

What do I do? I didnt apply for anything from Wells Fargo 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 2022-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 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 non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 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 2022-07-16 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:
I was told my credit was going to be ran once for auto loan it then was ran multiple times through XXXX XXXX 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

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 2022-07-16 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:
I was told my credit was going to be ran once for auto loan it then was ran multiple times through 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is not mine and needs to be removed asap someone was using my information. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : 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 2022-07-16 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: PA

Complaint narrative:
This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : 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 2022-07-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-07-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX XXXX XXXX # 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 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CCS Collections at XXXX XXXX XXXX, XXXX MA XXXX has been sending me collection notices in the amount of {$84.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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:
In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are list below, 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 XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TD XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX 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 2022-07-16 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: PA

Complaint narrative:
This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
I received the check from my Mortgage after I sold the property. And they send me refund under my legal name on the check. Also my girlfriend and my aunt name. But there no longer living in Colorado after I sold the house. However I deposit the check into my account. And bank manager or banker was saying me bring other 2 people. But I explain to bank there not in Colorado anymore. But you have already verified my driver license name on the check. And it is match. However bank is not released the check. So I requested the bank. Can you return the check. And bank said no were not able to return. So I said this is not correct. Even I m presenting myself. So And verify. And still not released or retuning the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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:
In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are listed below 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 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 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I had made monthly payments on time every month, which was around {$800.00}, or more a month, which only lowered my payments by {$7.00}. 
After I had lost my job, I called and let them know. My payoff at the time was around {$2000.00}. Now after around 2 month, and me giving them a little here and there where I scrouged up very little cash they hit my bank account for {$410.00}. Without my consent, which is completely an overdraft in my account since the money was never there. And they said my payoff which was originally {$2000.00}. Is now almost {$7000.00} due to interest and late fees. Within 2 months??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
There was a JPMCB credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a XXXX worker and a XXXX XXXX XXXX XXXX XXXX XXXX I have an issue relating to a BOA card late payment. From XXXX to XX/XX/XXXX, I was at XXXX  school for my XXXX Around that time, my aunt who I was a caretaker died from cancer due to covid, and my grandma who I was also taking care of was in and out of nursing home... during this time I was sure I had set up an online auto payment for my BOA account but BOA account fell behind and I was marked late. 

in XX/XX/XXXX, I spoke to BOA collections dept. and they told me that given my situation, since Im a XXXX XXXX and had a death in the family, they would remove late and late fees, within 30 days. They said they are allowed to do this and have done this for many of their clients. 

Weeks later I saw no changes to my credit report. And when I called back BOAs phone reps now gave me unsolicited legal advice and told me that I should dispute the account under the FCRA with the credit bureaus. 

All the while no less than 6 people at BOA told me the late was already removed but it was not.

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