vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: LA

Complaint narrative:
XXXXXXXX XXXX  Cruel and misleading tactics at signing of contract. 
This ENTITY never put up equal value of Consumer Trade Deal. 
XXXX Profiling. 
XXXX Profiling. 
And VIOLATIONS of My CONSUMER RIGHTS and LAW 'S!!!!!!!!! 

28 3002-10 ( Person ) 15 USC 1650 18 USC Section 241 15 USC 6801 I am The Executive of the Estate of XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit Collection Service is a 3rd party agency claims that I owed {$290.00} to XXXX XXXX XXXX. I submitted a desist letter on or about XX/XX/year> under 15 USC 1692c ( c ) to stop contacting about a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request your assistance in addressing fraudulent credit inquiries that have been reported on my credit file by TransUnion. Despite my efforts to dispute these inquiries directly with TransUnion, the matter remains unresolved, and these fraudulent activities continue to harm my creditworthiness. 

I believe these inquiries were made without my consent or authorization, and I have taken steps to secure my personal information to prevent further misuse. However, I require your intervention to ensure TransUnion investigates this matter thoroughly and removes these unauthorized inquiries from my credit report promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> Please let me know if additional documentation or information is needed to support this complaint. Thank you for your time and assistance 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for Consumer Reporting Agency have assumed a vital role and have a responsibility to reports Consumer information to the best of their ability with the Maximum Accuracy. I have never been late on payment for the account ( XXXX XXXX XXXX ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were take. If the proof cant be provided I demand these payments be update to on time as they should be as I was never late. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for Consumer Reporting Agency have assumed a vital role and have a responsibility to reports Consumer information to the best of their ability with the Maximum Accuracy. I have never been late on payment for the account ( XXXX XXXX XXXX ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were take. If the proof cant be provided I demand these payments be update to on time as they should be as I was never late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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. 


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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I learned my personal credit card and my husband 's personal credit cards were closed without any explanation. I've been a client of XXXX XXXXXXXX XXXX  which was merged with Capital One for almost 50 years. 

In fact, they declined a reoccurring health insurance bill. All of my bills are paid on time. All three cards are heavily used. My credit rating is in the XXXX. I earn and use many travel rewards. 

My husband I called personal credit card service to find out what was going on. I was told my accounts had been closed as capital one bank did not like the way I used credit card. A letter was in the snail mail. The decision is final and irreversible. I asked to speak to a supervisor and was told the individual could not pass me on. I asked for a number to an executive complaint line and was told no. I asked if pending charges would be approved. XXXX XXXX could not answer that question. Disgruntled I hung up. I called the business cred card customer service and received identical response. 

So, they advertised a reward program and I used it? Isn't that false advertising? Surely a warning could've been sent or communication could have existed. The customer service was pathetic and awful. 

After posting messages on Capital one XXXX page, I finally managed to get a complaint email. I have emailed them, XXXX and your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-12-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OR

Complaint narrative:
XXXX XXXX cuz they were going to resolve it give me money for the companies and all that were really charging me and taking off my card but that's the thing now I'm seeing new charges on the new card that I have to request a new card again because that XXXX card number is being charged the same charges of the companies obviously didn't want to know what was going on cuz they were the subscriptions were not unsubscribing and I they were really charging me well they took him off and you know obviously that's why I got a new card so that those companies couldn't have access I'm like being the pride of benefits for SSDI because I can not work when I got approved as they even in new cancers know that there's way too many triggers of XXXX from from birth till now that trigger it I'm supposed to be getting XXXX portion of my deceased mother that is my daughter mom and I'm supposed to be getting my {$3000.00} a month for my SSDI because a XXXX XXXXXXXX is a XXXX has nothing to do with how many hours you worked you know or how many tax money is you put in that has nothing to do with it if you XXXX is mental or physical and I have mental XXXX of XXXX XXXXXXXX XXXX  severely I've been diagnosed with that all my life as well as they went back 10 years into my mental health history and so from the date of issue and started of what they got I should have 10 years was a back payment still that they owe me and they still didn't even give me my third payment of the XXXX that they said they were going to give me when I first started back in XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Deceptive Misrepresentation of ADVERTISEMENT- FRAUDULENTLY CHANGED PRICE ON FINANCE CONTRACT AFTER SIGING Dealership Fraudulently changing finance contract DOLLAR AMOUNT I wanted to return the purchased vehicle immediately, next day XX/XX/XXXX Traveled from XXXX XXXX XXXXXXXX XXXX located in XXXXXXXX XXXX to purchase XXXX XXXX XXXX XXXX XXXX for advertised online purchase price {$44000.00} XXXX  XXXX XXXX MISREPRESENTATION/Deception/Fraudulently AFTER signing financing contract the financing contract was FRAUDULENTLY changed increasing purchase price of vehicle over {$10000.00}. XXXX FRAUDULENTLY added ADDITIONAL add-ons after signing in the amount over {$8000.00}. Total fraudulent charges {$28000.00} dollars. 
XXXX as well violated consumer right of choice for financing. They placed the financing as by here pay here. WE CLEARLY ADVISED ON XX/XX/XXXX during transaction we DID NOT WANT THIS. On XX/XX/XXXX at approximately XXXXXXXX XXXX in less than 4 hrs of vehicle purchase contacted a representative at XXXX XXXX I ADVISED THE VEHICLEs IMMEDIATE RETURN to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: AL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I financed a brand new Volkswagon I was in a total loss accident not even XXXX weeks later that was covered fully by my insurance providers whom wrote the check and Volkswagon is still trying to tell me I owe XXXX out of XXXX I have asked for proof as ive never gotten a response from them I receive so much mail from them stating I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to inform you that I recently obtained a copy of my credit report and have noticed several discrepancies. Specifically, I have observed that the report contains multiple accounts that do not belong to me. 
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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to inform you that I recently obtained a copy of my credit report and have noticed several discrepancies. Specifically, I have observed that the report contains multiple accounts that do not belong to me. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A. ) Experian 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 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 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 XXXXXX/XX/XXXX ( The above named below I did authorize. I just do not understand why it showing up twice as a hard inquiry. I did receive financing from XXXX XXXX XXXX. I am in the belief it should be considered as a single inquiry instead of XXXX. ) XXXX. ) XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX & XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: KY

Complaint narrative:
A company that I have never heard of charged nearly {$500.00} to a card that I dont use for months without my knowledge. The card is set on auto pay, so I never check the statement. I did t realize this was happening until I received an email from Discover saying I had exceeded my limit. I immediately contacted them and the representative I spoke with assured me this would be resolved. Now, I have received a letter from Discover that the case is closed and I am responsible for these charges. I have no clue who this company is that charged the card. I have received nothing from this company. I dont even know how to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo refused to answer our legitimate question ( XXXX ) to verify a deposit made into our joint XXXX  savings account. 

Question 1 : Did Wells Fargo make this deposit? 

Date : XX/XX/XXXX Amount : {$980.00} Company Name XXXX XXXX XXXXXXXX XXXX ID : XXXX Customer Name : XXXX, XXXX & Customer ID : XXXX Trace : XXXX Bank of Origination Name : WELLS FARGO BANK NA XXXX XXXX Bank of Origination Phone Number : XXXX Additional Questions : " We understand from your concerns that you received a deposit in your account at XXXXXXXX XXXX  from a Wells Fargo bank account and would like it to be verified. We reviewed this matter and found that you do not have authority over any accounts relevant to the concerns that you shared. '' 2. What does Wells Fargo mean when they stated " you do not have any authority over any accounts relevant to the concerns that you shared ''?

3. Wells Fargo needs to identify the statute that states my husband and I as signers of our own joint XXXX savings account do not have the authority to verify deposits made to determine if such deposits are legitimate and from the appropriate account of the issuer? 

4. Wells Fargo is making the assertion that I am not a signer of the joint XXXX savings account. " However, for security and confidentiality reasons, we are unable to provide you with any information concerning an account on which we do not show you are listed as an authorized signer. '' Please see attached signature card. 

5. Is Wells Fargo authorized to issue refunds on behalf of the XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX? 

XXXXXXXX XXXX has updated my name as signer to XXXX XXXX. Our XXXX XXXX XXXX indicates my marital name. See attached marriage certificate. 

Please respond in writing. We do not want to be called on the phone.

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