vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted TransUnion on multiple occasions to investigate inquiries and information on my credit that is not current or true and have been told that there is nothing they can do.

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 2022-04-13 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:
Fact, XXXX XXXX XXXXXXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: SC

Complaint narrative:
I went to the XXXX XXXX and they told me they would only check my credit once, they checked it numerous times and I got over 10 inquires on my credit report, lowering my score. 

Then I traded in my vehicle and they never paid off the old loan, months after taking the vehicle. This is highly illegal these practices.

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 2022-04-13 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: SC

Complaint narrative:
I went to the XXXX XXXX and they told me they would only check my credit once, they checked it numerous times and I got over 10 inquires on my credit report, lowering my score. 

Then I traded in my vehicle and they never paid off the old loan, months after taking the vehicle. This is highly illegal these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: SC

Complaint narrative:
I went to the XXXX XXXX and they told me they would only check my credit once, they checked it numerous times and I got over 10 inquires on my credit report, lowering my score. 

Then I traded in my vehicle and they never paid off the old loan, months after taking the vehicle. This is highly illegal these practices.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to access my account for Experian to remove a freeze that I never initiated. Called Experian and they couldn't verify my account. Once I accessed a supervisor they stated that there are two accounts under my social security number. I asked for the information or second account to be deleted and they requested for me to upload documents to a portal. I have attempted 6 times to upload the documents and after completion each time i get a error. This has prohibited me from gaining a necessary loan. Please help 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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Bank has stated that rewards on their Citi Double Cash Card ( accrual of 1 % rewards for usage and 1 % for payments made to card ) accrues 1 % for all payments made to card. There exists the ability to redeem rewards for statement credit ( which is a payment on the card ) but they sneakily don't accrue 1 % rewards even though it satisfies the 1 % payment action. A cardholder could instead redeem rewards for a direct deposit of $ and then use that $ from their account to pay the card and that would accrue 1 % rewards for a payment to the card. Historically, Citi Bank rep said it did count to accrue points when redeeming for statement credit via phone call to customer service rep. Citi now states all along it has not resulted in accrual of rewards for making a payment on the card via rewards redemption but would count if using the workaround via direct deposit then payment from account. This clearly mislead the consumer and directly results in a negative impact to the consumer 's financial wellbeing, which violates Citi Bank 's fiduciary responsibility to be transparent ( no materials nor warnings were ever provided to consumer ) and creates opportunity for Citi Bank to gain while the consumer loses when using a logical payment strategy of rewards redemption via statement credit versus direct deposit method. I have contact Citi Bank and they aren't compelled to make any adjustment formally despite placating me by saying they agree that's wrong.

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 2022-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION is sending notices stating that my mortage is delinquent. I have not missed a payment, last month I called to inquire why they sent the notice, and I was told to disregard and that it was a mistake, this month they sent the same notice via certified mail to myself and my wife. This is no mistake. This is harassment due to the fact that I exercised my legal right to refuse a credit card debt that NFCU has been unable to validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: WI

Complaint narrative:
I have sent in dispute letters, affidavits and still no one at the bureaus have corrected nor Removed the negative reporting that is affecting my credit score this affect my life I am unable to obtain a loan for a home I am unable to be approved for a credit card this is hindering my livelihood in the livelihood of my family has currently we do not have a vehicle because I can I get credit approval

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 2022-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many issues in my Equifax report. I have a re-inserted collections account from CREDIT MANAGEMENT XXXX XXXX - XXXX  for {$120.00}. They took off this account and put it back on. I have 29 Inquiries from sources I do not recognize that Ive disputed multiple times. More times than I can count. FTC forms have been provided and still no response or resolution. Im unable to upload documents online with Equifax in order to facilitate these disputes. They resort to stall tactics, I have to provide full identification as Ive already been doing. I already provide my ID, social, and still nothing. I have record of how many times Ive disputed with no word from Equifax. I also have late payments re-inserted from XXXX XXXX from XX/XX/2021 and XX/XX/2021. They took off the late payments and they put them back on. The account for XXXX XXXX  has never been late and should display as such. XXXX XXXX has late payments that should not be showing either.My complaint closed in 3 days with no changes. Nothing was changed, even though items were reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Email sent to their phishing address after I came across emails regarding an account being opened. Received a letter XX/XX/2022 stating the account will be closed by XX/XX/2022 after an investigation revealed the account to be compromised or impacted by potential identity theft. I have also filed a complaint against Wells Fargo with the FTC.

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 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
We have submitted documents for a partial release of our property to Mr. Cooper in order to sell a parcel of our land. The documents were sent in XXXX of XXXX and as of XX/XX/XXXX we have not received a response, even after repeated requests for updates. 
XX/XX/XXXX, XXXX received Partial Release documents from Mr. Cooper XX/XX/XXXX, XXXX documents to Mr. Cooper via certified mail XX/XX/XXXX our bankruptcy attorney received an email from the mortgage company 's attorney stating that the sale of the land was contingent on approval from MA HUD and US Bankruptcy Court . 
XX/XX/XXXX, XXXXmortgage company attorney emailed the mortgage company for a status update-no update was given XX/XX/XXXX, XXXXmortgage company attorney let our attorney know the Partial Release request was in the HUD office in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
REPORTING WRONG ADDRESS. 

To Whom it May Concern : XXXX XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, DELAWARE XXXX Please update my name to : XXXX XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/2001 Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I never opened an account with Chime and I reported this to the company as being fraudulent. I asked them to close the account but do not have verification that they have. I am still receiving notifications from them that the terms and services of my account have changed. 

I do NOT want to use Chime ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I returned the rental car to XXXX XXXXXXXX XXXX XXXXXXXX, and the agent told me the amount was {$300.00} some. I agreed to pay that amount, and that amount only. But after I handed the debit card to them, they changed me {$600.00} some without my permission, no verbal agreement, pin number or signature was provided to the merchant to authorize that transaction. 

I complained to their agent, and tried to dispute that transition with my bank-Wells Fargo , but the bank seemed like it was ok for them to take money out of my account without my permission. The amount that I didn't authorize was {$260.00} and was recently taken out of my account.

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 2022-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I opened an account with Pentagon Federal Credit Union on XXXX XX/XX/2022 and a subsequent hold on XXXX XX/XX/2022 was placed on the account by the bank 's fraud department. The following documents were sent to the bank on XXXX XX/XX/2022 to verify identity : 1 ) Photo copy of Social Security Card, 2 ) photo copy of Driver 's license 3 ) Photo Copy of Vehicle Registration. 

To this date ( XXXX XX/XX/2022 ), I am unable to access my funds totaling approximately {$15000.00}. I need these funds to pay my bills.

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo at XXXX pst on the XXXX of XXXX and filed for a stop payment on XXXX XXXX merchant. They said OK and sent me a letter with approval that I have in my possession. On XX/XX/XXXX, they allowed the transaction to go through and charged me overdraft fees saying 3 business days was needed when that was never conveyed during the call on the XXXX but that was still 3 business days prior regardless. I attempted to stop payment through the merchant a week prior but they refused to honor it, which is why I went through Wells Fargo who is supposed to work for the customer, not the merchant. I also requested they stop all ACH payments while the account was overdrawn but they said they couldn't ( which they did weeks later and i have proof of that as well ) Wells Fargo 's representation continues to lie and stretch truths to better themselves and relieve all accountability. They're very deceitful and are great liars when it comes to stealing money by making excuses to over draft one 's account.

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 2022-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022, I was purchasing a software product and the vendor only accepted PayPal. Paypal does not allow a guest option, so I was FORCED to open an account to complete the transaction. I tried to close the account and remove my XXXX XXXX card from their system. They have " locked '' the account until I upload my drivers license AND a copy of my XXXX XXXX Statement, then they will unlock the account and allow me to remove the card and cancel the account. 

I consider this being held hostage. I did not want and do not want a PayPal account. I have brought this to their attention and the only response is them FORCING me to upload identity documents to cancel the account. The vendor received their payment.

I do not understand why 1. I was forced to open the account and 2. Why can't I close it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX for obtaining pre-qualification rates from various lenders for personal loans states the inquiry is soft and will not affect your credit report ; however, XXXX, will run an unauthorized hard inquiry based on the information provided by XXXX. I have noticed that no inquiries, hard or soft, by XXXX in the last two years have appeared on my XXXX credit report but DO appear on my XXXX credit report. 

XXXX should be investigated due to their unlawful operating procedures regarding unauthorized credit report attainment.

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