vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: NC

Complaint narrative:
there are multiple hard inquires that was not authorized by me. I have reached out to the credit bureaus to try to get this problem fix and no help was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: NC

Complaint narrative:
there are multiple hard inquires that was not authorized by me. I have reached out to the credit bureaus to try to get this problem fix and no help was offered.

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: OR

Complaint narrative:
We decided to have access to our tax return early as adverted by CreditKarma through XXXX. Once the refund from the government were available, we were unable to access the said funds through wire, XXXX or any of the advertised means. Additionally, the website claims that up to {$5000.00} is able for transfer at any given time, however when attempting to complete the transfer, the daily limit is {$1000.00}, less than 10 % of the total available funds. When contacted customer service, they were unwilling to assist with the issue, and no resolution was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank has allegedly engaged in malicious competitive practices by disabling the external repayment functionality of my external repayment bank. Despite numerous attempts to contact and multiple complaints lodged, the issue remains unresolved. 

The matter revolves around Wells Fargo Banks purported interference with the external repayment mechanism, which directly affects my ability to manage repayments efficiently and conveniently. Despite repeated efforts to resolve the issue through communication and complaint channels, Wells Fargo Bank has failed to provide satisfactory solutions or even acknowledge the severity of the situation. 

This alleged behavior raises serious concerns about Wells Fargo Banks commitment to fair competition and customer service standards. Disabling essential repayment functionalities not only inconveniences customers but also undermines trust in the banking system. 

As a concerned individual, I urge Wells Fargo Bank to address this matter promptly and transparently, ensuring the restoration of external repayment functionality and providing assurances against future instances of similar competitive practices. Failure to do so may result in further escalation of this issue and potential legal recourse.

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 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had XXXX accounts with SYNCHRONY BANK. XXXX  and ASHLEY HOME STORE. 
I paid off the XXXX in FULL in XXXX. It currently has no balance. 
I have had my hours cut from my job since XXXX. 
I paid the SYNCHRONY ASHLEY account {$66.00} on XXXX XXXX in a good faith effort to keep current on payments even though I do not know how I am going to pay my rent. 
Last night they just arbitrarily closed my account. 
I had a job interview with the courthouse last week. 
Employers check your credit as a criterion for hiring/employment. 
Despite my having paid my XXXX account with XXXX they are considering me a high risk. 
I have the intention of paying the rest of this ASHLEY HOME STORE account just as I did with the XXXX. My advance payments on the XXXX do not seem to count as a positive for my evaluation even though they are BOTH through SYNCHRONY. 
Closing the account has brought my score down to XXXX points. I will NOT be hired for a job with this issue. So it will CRIPPLE me financially because I will not be able to pay any bills if I can't get a job. 
No one contacts you to see if you can pay, the effort I did make on XXXX doesn't seem to make a difference. I just want the account to be reopened so it doesn't hurt my credit so I can get a job and continue making payments. 
The system is rigged against us.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It looks like someone applied for multiple things around the same dates and they do not belong to me. I am a victim of identity theft. These are fraudulent inquries and I am asking them to be removed ASAP. What is the next step? This is effecting my mental health and I am sooo upset with the way the credit bureaus are handling this matter. They told me I have to have written documentation. I even filed an Identity Theft Report and they are not complying with the provided documentation. 
TRANSUNION FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX FRAUDULENT INQUIRIES XXXX XXXX  XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX  XX/XX/24

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I didn't start these records, and I emphatically suspect them to be false. I sympathetically demand that you completely examine and quickly eliminate them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/year> i sent transunion a letter asking them to verify the debt that they are claiming to be verified. It has been over 30 days and they have yet to get back to me with my request. I mailed it certified so i know they have received this request i wish to resolve as fast as possible

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I didn't start these records, and I emphatically suspect them to be false. I sympathetically demand that you completely examine and quickly eliminate them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ma, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately.

4. **Failure to Provide Disclosures : ** Jefferson Capital System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, 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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Access to prior credit card statements. Pentagon Federal Credit Union, on XXXX or XXXX, XXXX, told me verbally via their main call center that they could view, and access, a statement from XX/XX/XXXX, for a prior credit card account ending in XXXX. 

I need a statement from them dated XX/XX/XXXX. 

The phone agent I spoke with either on XXXX or XXXX told me that she was able to bring up the statement. 

The website of Pentagon Federal Credit Union shows how I should be able to click on statements for XXXX through XXXX of XXXX, for credit card account ending XXXX. 

However, today, XXXX, when I phoned to Pentagon Federal Credit Union, I was told conflicting info. First I was told there was a seven year retention for statements. However, as of today its been 6 years and 10 months since XX/XX/XXXX, less than seven years. When I told this to the phone agent, she said the retention was by the year, and not the month. Ridiculous. They told me on XXXX the XX/XX/XXXX statement was not available after all. 

If their website shows I can click on a statement, then I should be to view it & not get an error. 

XXXX, XXXX, XXXX, and XXXX of XXXX statements for credit card account ending XXXX are not viewable. 

Why was an Pentagon Federal Credit Union agent able to view the XX/XX/XXXX statement on XXXX or XXXX? Why was I told I would receive the statement within a few days? Why was I told on XXXX, conflictingly, that the XX/XX/XXXX statement was not available, and that there was a seven year retention, and yet XX/XX/XXXX is less than seven years back? 

I would like Pentagon Federal Credit Union to provide the XXXX, XXXX, XXXX, and XXXX of XXXX statements to me, for credit card account ending XXXX. Not just XXXX, I would like all these months now, since they seem to be deleting XXXX from history. 

Enclosed is a XXXX letter I both electronically uploaded to them and also mailed. They never responded to this letter also. 

Please pass along this full complaint & attachments, to Pentagon Federal Credit Union for a response.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2024-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is XXXX XXXX and I went in to take out approximately {$500.00} to close my retirement account which was a rollover IRA and have it coded as a XXXX  as a premature distribution under the age of XXXX and a half. I mentioned to the gal several times this has to be a code XXXX  and then she came back and gave me the paperwork and it was coded as an XXXX. 

I've gone in their office several times and talk to a manager who got on the phone with the back office and they said they would take care of it and I recently received my 1099-r for the year XXXX  and it's still coated as a XXXX and it has to be coded as a 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