vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.

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 2023-02-14 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: OH

Complaint narrative:
XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my XXXX XXXX, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.

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 2023-02-14 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: DISCOVER BANK
State: VA

Complaint narrative:
I have been a member for over XXXX  years with Discover Bank and have never been delinquent. Per 15 USC 1681 623a7, line item 6. Notice of negative information, Discover bank did not follow the following steps by law. 

The Federal Reserve Board ( XXXX ) was directed by XXXX to write sample notices for financial institutions. The Board has finalized the regulation, at XXXX. The sample notices adopted by the Federal Reserve Board are short and to the point : Notice before negative information is reported : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Notice after negative information is reported : We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. 

I was never contacted by Discover after negative information was reported to the credit bureau, and how this negatively information would impact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I filed a dispute with XXXX, Experian and XXXX regarding my payments had stop and were not being reporting from my credit card with XXXX XXXX XXXX for the several months and I want the payments to be updated because my account has always been in good standing and never late payments. On XX/XX/XXXX Experian Credit Bureau informed me that XXXX XXXX XXXX had removed my account from my credit report. I called Experian on XX/XX/XXXX and was told they could not reinsert my account. They told me to call XXXX XXXX XXXX XXXX and I did both Comenity XXXX XXXX and Experian are refusing to correct this problem which is hurting my credit score. I have been communicating with Experian and XXXX XXXX XXXX XXXX XX/XX/XXXX to present, XX/XX/XXXX and I am always told allow 30 days. Experian asked me to send the correspondence from XXXX XXXX XXXX they had contacted Experian and I submitted supporting documents of my active and good standing account with Comenity XXXX XXXX but nothing has been done. My entire credit account is removed ONLY from Experian. XXXX and XXXX are correct. As a consumer this is not fair because I pay my credit accounts on time. At this time I do not what to do. This has decreased my credit score and limiting my credit availability and causing high interest rates. XXXX XXXX XXXX is stating they are reporting to Experian but if there is no account with Experian what are they 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 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a different car interest rate with Wells Fargo car dealer services loan for my purchased vehicle in 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 2023-02-14 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: SC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Ok in 2021 in XXXX XXXX XXXX XXXX they took out overdraft fees that added up to XXXX and XXXX  months later they took it all out at XXXX time I live on a XXXX XXXX I am XXXX. But it left me with XXXX to pay my rent my bills an live on for a month I lost my home bc of this they had already taken the fees out before so why they took my check out and left me with nothing an double charging me fees that was already paid. But they try to blame someone else. But then said they was taking it out again and they did.i just need refunded my money that's been taken out XXXX. That's illegal an I want this fixed an my money replaced

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 2023-02-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I made a purchase through alibaba on XX/XX/XXXX. I have never received the products. This was for XXXX. I tried to resolve with the business but they kept sending me empty boxes and then showing that I received my products. I did not. I provided emails to navy federal where they admit they never sent the products and also where they threaten to kill me if I dispute the charges. Navy federal found in the favor of the company. I do not understand this. How can this be? Dont they have an obligation against fraud on my credit card?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are Unauthorized I dont recognize them and they are affected my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/22, I used the functionality on XXXX XXXXXXXX XXXX website to start service at an apartment complex that I was planning to move in to. I chose the start date as XXXX/XXXX/22. Due to family emergency, I did not move into the apartment ; rather I moved to my parent 's home to care for them. On XXXX/XXXX/22, I used the functionality on XXXX 's website to stop service at the apartment. 

In XXXX, when I went to pay my final bill for the apartment that I had been living in for a few years, I noticed there was an outstanding balance of {$60.00} for the apartment I never lived in. I emailed XXXX  and stated that I never moved in to the residence. I assumed they would have adjusted the bill accordingly and only charge the basic service charge of {$16.00}. I checked the website account again in XXXX and XXXX to see if the bill had been adjusted. Seeing as how they ignored my email, in XXXX, I paid {$20.00} on the bill with the assumption that I would be liable for the full amount, which I accepted at that point ( or else I would not have paid the {$20.00} ). 
Today, I was notified by my credit score monitoring company that my account for the apartment I never lived in, went to collections. I went to the XXXX site and it shows the account is inactive ; there are no options to pay the balance online. 

I was NEVER sent any form of communication regarding this being in arrears. I was never notified by phone, nor by mail, nor by email. I have diligently tried to increase my credit score for the past two full years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX XXXX. XXXX, XXXX XXXX, and XXXX of 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 2023-02-14 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: SC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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 2023-02-14 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: SC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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 2023-02-14 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: CA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have not received my work check ( direct deposit ) into my Wells Fargo account twice since I have been a member. The banking system has a glitch and is freezing accounts without our knowledge. I have received over-drafts due to the bank not depositing my funds.

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 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 Section 1681a- Definitions ; rules of construction- Exclusion. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account ( s ) : # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section, states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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