vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I paid off my auto loan with SDCCU earlier this month, which required me to call customer service. The agent assisted me with making the final payment, informed me my title will be sent in the mail, and closed my accounts. Notwithstanding the payoff and closure, the bank pulled the payment from my checking account. Customer service informed me that it was the " system '' and they have no control over it. They informed me that this will take 3-5 business days for the funds to be returned and there is nothing they can to to cancel/intercept the payment and wire the funds back to me. Essentially, I was blown off. Apparently one has to explicitly request the scheduled payment to be canceled otherwise it automatically pulls the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: RFNA, LP
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act ; The Vendors/accounts listed below have violated my federally protected rights to privacy under 15 USC 1681 1 ) XXXX  XXXX XXXX ( account beginning with XXXX ) 2 ) XXXX XXXX ( account beginning with XXXX ) XXXX ) Republic Finance ( account beginning with XXXX ) 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A subsection 2 states that any company can not furnish information without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states that any consumer reporting agency may not report any adverse or negative items other that criminal convictions of crimes which predates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX  has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXX XXXX  reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXXXXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXXXXXX XXXX  website. XXXX XXXX and the three Credit Bureaus XXXX, XXXX and TransUnion has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.

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 2022-05-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX  XXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXXXXXX XXXX reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXXXXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXX XXXXe website. XXXX XXXXe and the three Credit Bureaus Equifax, XXXX and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXX XXXX reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXXXXXX XXXX website. XXXX XXXX and the three Credit Bureaus XXXX, Experian and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.

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 2022-05-25 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: FL

Complaint narrative:
I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my 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 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XXXX the XXXX XXXX someone charged and order XXXX XXXX  on my account for {$43.00}, I have had 3 fraud and 3 dispute with them nothing has been resolved. It is now XXXX and they are saying the bill is still mine, I have written them a letter explaining that I didn't order nor received the item I have been saying this for the last two years they are now charging me late charges the amount today is XXXX ' I need 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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( XXXX ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX {$240.00} ( PLEASE DELETE ) XXXX  XXXX ( PLEASE DELETE ) XXXX XXXX XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXXT XXXX ( PLEASE DELETE ) XXXXXXXX XXXX XXXX {$130.00} ( PLEASE DELETE ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) CLOSED ( PLEASE DELETE ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( PLEASE DELETE ) INQUIRIES : XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXXXX XX/XX/XXXX ( PLEASE DELETE ) EQUIFAX MORTGAGE SER XX/XX/XXXX ( PLEASE DELETE XXXX XXXX XXXX  XX/XX/XXXX ( PLEASE DELETE ) Also, attached is a copy of my new driver 's license, please update my name and remove all old names from my credit file as well. 

Thank you so much for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank closed my checking and savings accounts due to XXXX issues. I contacted them to resolve the issue and provided all the information they needed, however my accounts still remain frozen and closed, and autodebits for my bills continue to be rejected, resulting in both fees from the bank as well as the billers. I have tried to call the XXXX XXXX XXXX and have even visited the branch but they have not re-opened my accounts.

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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
THIS IS MY FRAUD CASE AGAINST WELLS FARGO BANK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Hi. Hey. My bank, Wells Fargo, has defrauded me of money and aided and abetted a bad online retailer named XXXX. I ordered an XXXX XXXX XXXX XXXX XXXX ( model XXXX car ) from XXXX online, but they never sent me an invoice showing I purchased the item from them to my email address : XXXX. So I filed a claim with Wells Fargo as this isn't normal for an online retailer to do so. And so you know, this retailer, a guy, at, " XXXX, '' gave me a ration of XXXX when I also told him to cancel my order. And for the record, and I will testify to this in front of a court, that I never received the item. But anyways, I thought my bank was going to stand behind me on this, but they wrongly stole the money from my account with them, and gave the bad guy/company a credit through a credit reversal. And tonight, on a recorded line with Wells Fargo, their female claims agent, XXXX, didn't want to assist me with this along with a male customer service agent named XXXX. And both sounded XXXX. And if you listen to the recorded conversation with them, they were obviously obstructing justice and aiding and abetting the bad retailer above. And just so you know, and for the record, I am a real life surviving XXXX of 10 years. And I have reported this to local law enforcement, the FBI, and some other law enforcement agencies in Oregon and California. And I am trying to get someone in the media to do my story about it. But anyways, I am also retired on SSI and EBT cash food stamps through the State of Oregon 's XXXX & XXXX Services. So anyways, I want justice to get my money back that has been wrongfully stolen from me from my bank who won't cooperate. And you really need to hear the recorded conversations of these two evil bank representatives as well sd a judge. And I would sure love to have a proper D.A. file criminal charges on these two bad guys/XXXX. Really. So I need your help. I can't believe my bank 's rep 's on this one. Not at all. And a Judge, and even a jury wouldn't XXXX it either as well as yourselves. So help me out, and give a call. And it is my cell phone. Additionally, please leave me a voicemail if I don't answer for some reason, and I will definitely get back to you. Really! I want not only my money back, but justice in this horrid situation in which I am going to fire my bank as soon as you advise me, or the D.A. in this case, to do so. And thanks in advance. 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 2022-05-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.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 non-monetary relief
Consumer complaint received 2022-05-25 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: CA

Complaint narrative:
I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 I've reached out to the above companies. Today I reached out to Equifax about the unauthorized inquiries on my credit. I told them about Fair Credit Reporting Act and how unauthorized items on my credit must be removed. The customer service representative XXXX XXXX ) that I spoke to was unhelpful and unwilling to help me take of the negative inquires reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I had received an IKEA credit card, through Comenity Bank at the end of last year or beginning of this. After using it a couple of months it was blocked and I could not use it anymore. No phone call and no explanation whatsoever. A couple of months later I received a letter from them telling me there are some security issues with both my IKEA card and XXXX XXXX ( also of course issued through Comenity bank ) in which they requested me to send a copy of my driver 's licens, SS card, and a utility statement. I called them and spoke with someone in Fraudulent department ( something like that ) and told the person I spoke with that I don't feel comfortable sending them that information either through mail or email and that I rather close the accounts. She said they could not close them due to the security issue. 

I called a few weeks later again, around XX/XX/22, to inquire about the situation. I asked them again to close the accounts and to send the over {$800.00} that I have in credit at the IKEA card Again they said they could not send me the money or close the account due to the security issue. 

When I spoke with them again I told them I'd file complaints about them. A couple of hours later I got a phone message from " XXXX at Comenity Bank '' who told me my issue came across his desk and that he was going to try to get me my money. It's 10 days ago and I have still not seen the money or heard anything about closure of my accounts. 

Also, whenever I ask about the security issue, they are not able to tell me exactly what kind of security issue. Usually when a credit card bank have security issues, they will have me call them and verify I, the owner of the card, is purchasing a particular item. Or they will call me. Or text or email me. But never ever have I had a bank block two of my credit cards " due to security issues '' they can not explain. 

I haven't done anything wrong. I have paid my bill on time and never reached over the limit. On the other hand, I think the reason for blocking my account is because I overused it to take advantage of the 5 % rebate we got for using the IKEA credit card and buying a kitchen. I got a few XXXX dollars back and I paid off the card right away. I don't think they liked that. I even think they blocked the set of gift cards I received since I was not able to use them. 

I'm getting the runaround and can not either close my cards or get my money.

Company response to consumer: Closed with monetary relief