vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: AR

Complaint narrative:
Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA. 

Thank you for helping me in this matter.

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: NJ

Complaint narrative:
My loan which initially was with Iberia Bank was taken over by First Horizon. 

It is a XXXX year adjustable rate which XXXX years was up as of XX/XX/XXXX. First Horizon does not do any refis Since XXXX I would call first XXXX to ask if my rate was going to change and if so what would it be. Each month they told me to call back the following month as they did not have any answers whether or not my rates would be changing. 

I decided that I needed to start the refinancing process.. However if the rates were going to stay the same I was going to continue with First Horizon. Therefore, On XX/XX/XXXX I called them once again and I was told your rates are definitely not changing next year. I asked them if they were sure because I was going to refinance otherwise and the agent told me no Your rates will not be changing for the next year. I said that is great news I will stop the refinance process. 

XXXX weeks later in early XXXX I received a message XXXX XX/XX/2022 that my adjustable rate was going up 1 %. They record all of their phone calls and on subsequent calls they have admitted that they said this and that it was a mistake. 

First Horizon intentionally deceived me in order to keep me as their client. If they had simply said we still dont know I wouldve continued with my refinance process. With the changing of the times it is now too late for me to refinance at a significantly better rate. 

By deceiving me they have cost me thousands and thousands of dollars. I asked them to simply make restitution by either keeping the rate as is as they said or compensating me for the difference. 

They have simply said " we are sorry, there is nothing we can do. We apologize for letting you down. '' It is unfair an unacceptable to be deceived and treated this way. 

I have also asked to have my escrow reevaluated and it was been XXXX weeks since I have heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( i ) - Procedure in case of disputed accuracy : States that if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hello, I reached out to Wells Fargo due to my car loan being thirty days late for the first time since I had the loan. I contacted the company and explained to them, I went into the hospital and was very XXXX Once I became aware of my surroundings, I remembered that the car note was not paid and paid immediately. I then contacted Wells Fargo and asked for a courtesy deletion. I explained that I am still employed and plan to return to work. Due to security, financial and credit clearances for my employer, I am required to maintain a certain credit score. This late item tanked my credit score over 100 points, which now puts my job at risk. I am in rehab and looking to return to work on a part time basis in the next 60days. My case is unique and I have documentation to prove what occurred. 

The represenative had me wait on hold for over thirty minutes and she came back on the line and told me she needed to take my information and get me over to the presidents office. Well needless to say, I never got over to the president office for 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 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX have been collecting {$180.00} for the last 2 years from my checking account to pay for sears master card. I never signed anything or talked to anyone either from sears or from XXXX XXXX incorporation in regards to this credit card, I did talk to them in regards to another card but in XXXX, XXXX XXXX stopped withdrawing {$180.00} from my account and I have attempted to call them several times because it was reported to all 3 credit card company that I have not payed Sears for 3 months, I called sears 3 times and all they tell me is that they dont have my account and I have to keep calling XXXX XXXX because they bought out my account, I really need help asap please as Im trying to pay and nobody can help me, thank 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 explanation
Consumer complaint received 2022-06-09 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX  XXXX is violating my consumer rights. by trying to collect a debt. 
PLEASE SEE ATTACHMENTS I XXXX  XXXX, the Principal and Authorized Representative for all accounts created by my seal/signature, I am the Original Creditor Federally, Protected Consumer, I am declaring that my right to Privacy as a federally protected consumer is violated. stated in FCRA USC 1681 and the FDCPA USC 1692. The accounts listed her has chosen to disregard or ignore my ID Theft Report. LVNV FUNDING LLC violated 611. Procedure in case of disputed accuracy 15 U.S.C. 1681i According to the statute these companies had plenty of times to Validate/ Verify the account. 
They have far exceeded the 5 business day reply 30 day investigation to verify/ validate the alleged debt, even the 15 day extension to investigate this debt. 

Is it a Fact, XXXX XXXX XXXX has accessed my OPEN-ENDED CONSUMER CREDIT PLAN. I demand verifiable WRITTEN & NOTARIZED proof that they have not done so, in a statement of fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Sent COMENITY CAPITAL/XXXX a letter on XX/XX/2022 to remove from my credit reports due to failure to provide a binding contract with XXXX signatures. COMENITY CAPITALXXXX also did not provide a written consent giving authorization to access my credit report per consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Closure Request Account XXXX XXXX, Wells Fargo has made the business decision to no longer accept secure message or emails from retail customers. Therefore, I am filing this routine request in writing via the CFPB. 

Please close the captioned account at your earliest convenience. 


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 2022-06-09 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: AR

Complaint narrative:
Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for helping me in this matter.

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 2022-06-09 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: AR

Complaint narrative:
Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA. 

Thank you for helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
RE : Regions Bank - Dispute Denied Fraud Claim # XXXX Acct Ending in XXXX NOTE : I HAND DELIVERED TO REGIONS BANK THE ATTACHED LETTER WITH ALL THE DOCUMENTATION ON XX/XX/2022. REGIONS HAS REOPENED THE CLAIM - TICKET # XXXX AND COMPLAINT TICKET # XXXX. WAITING FOR RESPONSE. 

THE FOLLOWING ARE THE DETAILS REGARDING THE CLAIM : I received a letter ( see attached ) from Regions on XX/XX/2022 denying the refund of the following unauthorized charges to my account. 

XX/XX/2022 XXXX XXXX, XXXX WA {$200.00} XX/XX/2022 XXXX, XXXX, OH {$450.00} XX/XX/2022 XXXX, XXXX, OH {$400.00} XX/XX/2022 XXXX XXXX, XXXX, WA {$64.00} Please note that the unauthorized charges to my account were notified to Regions by phone on XX/XX/2022. As per my discussion with the fraud department I did not lose my debit card or PIN and I live by myself, so it is obvious that my debit card has been cloned and used without my knowledge, since it would be impossible for me to be in different cities and states at the same time I was in XXXX XXXX, Louisiana, in which I reside. 

I have also included the following receipts showing that I was in my home town when these unauthorized transactions/charges were made. 

XX/XX/2022 XXXX, XXXX XXXX, LA {$9.00} XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX {$16.00} That should have been a red flag for the Regions Fraud Dept. to have shut the debit card down immediately. 
Please note that I hand delivered the attached letter to Regions disputing the denial letter on Tues, XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX at the XXXX  XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, and I delivered a copy to the XXXX XXXX Police Department on Tues, XX/XX/2022 to Officer # XXXX ( filing a police report ). 

I am hopeful that Regions will reconsider the denial and will do the right thing and reimburse me the monies for these unauthorized charges. 

Thanks for your help in this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2022-06-09 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: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, All Accounts listed above have violated my rights according to law 15 USC 1681 section 602 ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Sent COMENITY CAPITAL/LANE BRYANT a letter on XX/XX/2022 to remove from my credit reports due to failure to provide a binding contract with two signatures. COMENITY CAPITAL/LANE BRYANT also did not provide a written consent giving authorization to access my credit report per consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : US SM BUS ADMIN ODA XX/XX/XXXX : Account Name : XXXX XXXX Account # : XXXX High Balance : {$750.00} Account Name : XXXX XXXX Account XXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
On XX/XX/2022 a company name XXXX XXXX unauthorize put a hard inquiry on my XXXX  union credit report. I never heard of XXXX XXXX and did not authorize them to pull my credit. After investigating I learned the parent company self inc a credit building app is the parent company of XXXX XXXX. I did not authorize self inc or XXXX XXXX to do a hard inquiry on my account. A lot of people are complaining because they to are victims of self inc and XXXX XXXX  unauthorize pulling there credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

XXXX. I never applied for any type of credit or financing from XXXX XXXX XXXX nor did I give them permission to run my credit. 

XXXX. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

XXXX. I never applied for any type of credit or financing from XXXX XXXX  nor did I give them permission to run my credit.

Company response to consumer: Closed with explanation