vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: MO

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: MO

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I called again today and the phone team still says there is a computer error and they can not provide answers. All i wanted was my account balances. The savings account was allowing me to access it earlier in the app but now will not either. I mustered up enough energy bc of a physical XXXX that you all constantly exploit. I am in physical pain every minute i am on the phone due to a car crash. Your offices routinely place me on extremely long hold times citing computer errors since knowing this and my last complaint. This was after last weeks fiasco on the phone as well. 
Please respond in writing. Thank you. 
I called from phone : XXXX XXXX XXXX. I couldnt of been any nicer or more polite to mya. I called your company at phone : 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 2022-02-18 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-18 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: FL

Complaint narrative:
Please be advised that as of ( XX/XX/2022 ) as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. 

PLEASE SEE ATTACHED.

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 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX I paid my vehicle loan off with Hyundai Motor Finance USA in full. I was told that it would take 10 business days to audit the loan, close my loan, and release my title. On XX/XX/XXXX I called back to inquire about the status of my title release, but I was told that the loan was still showing active. The rep stated that she would escalate the issue and it would be an additional 10 business days before the title would be released. On XX/XX/XXXX I called again to inquire about the title release and was told that the account was still active. The rep stated that she would escalate the issue and the title would be released in 10 business days. I gave a little more time and called back on XX/XX/XXXX only to be told my loan is still active and has not been closed or sent for the title to be released. There is no phone number to reach the title department nor was I given an email address to get this resolved. At this point I feel like no one is processing my loan closure and they are not working to get my title released.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-02-18 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: IL

Complaint narrative:
hard inquiries were fraudulently added to my credit report..These are not my inquiries XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXXXXXX XXXX Acceptance XXXX Service XXXX XXXX Bank XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also remove XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PXXXX XXXX  XX/XX/XXXX ..Rent Recovery was settled in Civil Court my security deposit was kept

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to communicate with this company since last XXXX. I have sent letter after letter after letter. Ive never filed for bankruptcy they continue to report this false information. XXXX fact they are the only company doing so, XXXX and XXXX are not reporting this fraud information but Experian is. I do have an lawyer and have filed a lawsuit against Experian.

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 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. TRANSUNION website is denying me from submitting disputes online when I didnt give my consent for this account, XXXX XXXX XXXX, to be furnished in the first place. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571.

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 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused XXXX  XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
My second mortgage contract with XXXXXXXX XXXX dated XXXX states my mortgage interest would decrease .XXXX XXXX  each year for XXXX years. As long as no payments were XXXX days past due. My loan was sold to OneMain financial. They refuse to review or audit my case. They state my payments were past due more than XXXX days. I offered to bring in all my receipts to show they were paid on time. They still refuse to discuss my case or make any adjustments. I've called them numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: U.S. BANCORP
State: WI

Complaint narrative:
I got charged {$98.00} for an XXXX XXXX  postmates that was a fraudulent charge. I called for it being a fraud charge XXXX times now and all they did was send me a new credit card. They never refunded the amount and it has been about XXXX  months. They told me they would refund me but have not. They sent me a temporary credit but took it back and after i called to ask why it was taken back, they said they would re-issue it. Now everytime i call they give me a run around and transfer me to different departments with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit Management contacted me XXXX XXXX regarding an account that has not been paid in full. My ex-boy friend XXXX XXXX purchased a bedroom set solely in his name at XXXX 's XX/XX/2016, who is now diseased. XXXX years later I receive a call from Midland Credit Management for the balanced owed telling me it was in my name. I sent them the proof of purchase and his Autopay Account with his information. I am reporting theft of my Social Security, I did not give anyone my so Social Security number for this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I cashed out my pension and went to my bank, Wells Fargo to deposit the funds. Shortly after, a total of {$75000.00} was wired out of my account. I did not initiate or authorize the transactions which were as follows : {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX I reported the issue to Wells Fargo as soon as I became aware on XX/XX/XXXX and they denied my claim of fraud on XX/XX/XXXX. 

In the course of my attempts to follow up with Wells Fargo I have been bounced from department to department, provided varying case/claim/reference/account numbers, and told on three occasions that no claim could be located and I had to file a new one, and given a different answer and time frame every time. 

My claim was denied on the grounds that the wires were requested through an online banking service using my username and password, and a one time passcode that was sent to my phone. 
I did not request the transfers nor did I ever receive a passcode. 
I contacted Wells Fargo on XX/XX/XXXX and requested the IP address for the device ( s ) used to request the transfers and the phone number the one time passcode was sent to. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in 1-10 days. 
As of today XX/XX/XXXX, I still have not received this information from Wells Fargo. 
I called again today to follow up and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I attempted to do an ATM deposit of {$1000.00} cash on XX/XX/2022. It was around XXXX and the bank was closed so I tried to deposit through the branch atm. The ATM froze up during the transaction and shut down and said this atm is out of service. I immediately called the number on the ATM to file a claim and I was told that the machine would be serviced and my balance would be corrected. 30 days later I received a letter that only {$12.00} was found in the ATM and my {$1000.00} credit would be deducted. I called Bank of America and they said they could re open the claim which they did. 2 days later I was told the same information that only {$12.00} was found in the machine and that I was covering the ATM camera. This information is completely false. I went into the branch to see what can be done and I was told the bank could escalate the issue. XXXX business days later I was told the same information. The bank was unable to share what type of research was done. They told me to file a police report which I did. I would like this to be further investigated as I feel who ever serviced the ATM made a mistake or the machine is not calculating correctly or someone is stealing. The bank said there is a software issue with the ATM which makes me more worried my funds are not being counted for. I filed police report today, XX/XX/2022 and am waiting for any further information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Company repossessed my vehicle, which is against Federal Law, I tried to contact them about paying to get my vehicle back to find out that they sold my vehicle last week on XX/XX/2022. I wrote a Right of Recession to the CEO of Ally Financial and never received a reply back from him.

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 2022-02-18 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: NY

Complaint narrative:
Equifax has reported multiple inquires that Ive never applied for. 

Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.

Company response to consumer: Closed with explanation