vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, 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 2023-09-11 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: FL

Complaint narrative:
attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account # XXXX  Inquiries XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Hatfield, Inc.
State: KS

Complaint narrative:
I asked this company to cancel my subscription. I have called this company multiple times and no one answers and they direct you to an bot to chat with. I told this bot to cancel my subscription and now Im having money stolen from my bank account. This is fraud. I try to email them and it sends you back just an auto email message with nothing to do about your issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: IL

Complaint narrative:
I looked over my consumer reports and i did not give consent of these accounts to be furnished on my reports.

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 2023-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a prepaid Vanilla gift card from XXXX store for {$500.00}. 
When I was inside the XXXX I opened the card and immediately see the 4 digit out of 16 digit of the card is missing and thus can not be read. 
While I was still inside XXXX I called the the Vanilla gift card customer service and informed them of the card issue. 
They asked me to send them my personal documents which has a proof of my address as well as my driver liscence and a picture of the card with missing numbers and the receipt where I purchased the card. 
I already email all my documents which they asked for to their designated email over 2 weeks ago.

However, I have not heard anything back from them and never sent me a replacement card at the address I provided them. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I logged into my XXXX Credit Card account issued through Commenity Bank to pay my bill. I noticed my available credit was at XXXX. I then had to go back through my monthly statements to find my account was closed on XX/XX/XXXX of this year. I sent a message to customer support to see if this was actually the case, and if it was not, to have a new card issued as mine was expired. I was given the run around for a few days before being told to contact a supervisor. I contacted a supervisor on XX/XX/XXXX who told me that there were no notes on my account about account closure and as far as they could tell, the account should not be closed. I was then told that this would be escalated and I should receive a call back within 7-10 business days ; this did not happen. Today, on XX/XX/XXXX, I called customer support again, on the 11th business day, to inform them that I had not received a call back, and to address the issue of a lack of Adverse Action Notice being send, as is required by the Fair Credit Reporting Act, and they informed me that their notes said someone did call on XX/XX/XXXX, however, there was no recording made, meaning nothing was recorded as a phone call, or voice mail, and I have no record of this call in my call logs, seeming to imply a note was made without actually attempting to contact me. Nobody can prove this call was made beyond the note. This supervisor also reiterated what the first had said : there we no notes on the account about account closure, and she can't see a reason as to why it was, and doesn't see any notes about Adverse Action Notices being send, or any documentation on the account for that matter. This supervisor contacted her boss, who without speaking to me, just relaying it through the supervisor I was talking with, that it was up to the banks digression as to when to close an account. While this is correct, this is not the issue I was calling about, and I reiterated that I had not received an Adverse Action Notice notifying me of account closure within 30 days as required by the Fair Credit Reporting Act. This supervisors boss once again ignored the statement to reiterate that account closure was at the digression of the bank, and ceased contact with me. The supervisor I was still in contact with apologized, at which point I told her that an apology was not good enough, they are in violation of the Fair Credit Reporting Act, their action has negatively impacted my Credit Score, and there were damages, some form of remediation needed to be made. I was told that they could request a call back, but my account could not be reopened, and no form of remediation was made availble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: Regional Management Corporation
State: CA

Complaint narrative:
XX/XX/23 contacted company I was informed to handle through dispute resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: DE

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.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under The New Rule REGULATION F Which Took Effect XX/XX/2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
I had monthly membership at XXXXXXXX XXXX XXXXXXXX for 2-3 years. I had selected the membership that I could end anytime. I was not provided promised services. 5-6 months I was lied to so I wouldn't cancel my membership. I could never use the machines I went for. The company also forced political beliefs on me. When I went to the front desk to complain on the last day of my membership, I was confronted as if I was the person who left a bad XXXX review. I was not. I was then informed I had been lied to last couple of months. They were very disrespectful. I decided to end my membership and never come back. Since then, I got " come back '' e-mails, collection notices for the following month 's fee after my termination that I refused to go for. I wanted the XXXX to call me, they never have. I called the collectors and disputed, explained why. I asked not to be harassed again. I was told they were not going to stop and demanded me to pay something I was disputing. I told them we should go to court to resolve it. They have been abusive last 2 month. Even after I demanded them to stop, they often text me. They have called ( left vms sometimes ) 20 times between XXXX. It hasn't stopped. I communicated with both the collectors and membership services regarding to their harassment for {$75.00} fee that I should not have been charged. I reminded the Fair Debt Collection Practices Act and breach of contract. I asked for higher management and their registered agent couple of times. At all times, both XXXX XXXX and their XXXX XXXX have refused to stop harassing me to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, and XXXX have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.

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 2023-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Last payment made to Wells Fargo on auto loan was XX/XX/XXXX. Next payment promised was made from myself for XX/XX/XXXX. Yet, on XX/XX/XXXX, I went outside to leave in my vehicle and it was not there. I called Wells Fargo auto loans to find out where my truck is located. They informed me at that time they did in fact repossess my truck yet they not know where it is nor how this happened. 

WF customer service told that WF redemption center was closed over the weekend and we had no information regarding the asset recovery vendor. 

On XXXX, XX/XX/XXXX, we learned that Wells Fargo had changed their repo terms from 90 days during Covid to 75 days. We received NO advance written notice of this policy change. 

We contacted the recovery vendor and were attempting to retrieve our personal items from the vehicle.

We believe that we have a valid complaint in that the lien-holder, Wells Fargo , knowingly issued a recovery order, without any attempt to contact us even though consistent payments had been made every two weeks with the next payment scheduled for XX/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 explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-09-11 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: TX

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.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, XXXX is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately.

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by XXXX and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. 



If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Made an effort to fix this problem now I have to stop the auto pay since they just randomly take money out of my account when they feel like it. Made my agreed payment on the XXXX then I saw another payment come out on the XXXX and they claimed I was past due. I have constantly complained to them about this I finally had to stop the autopay. Ifile the two paychecks as they wanted to prove my pay cycle their explanation was it takes 3 billing cycles but if I prove to you the money is there only on certain dates why are you taking money randomly out of my account they are to cease access to my account since they can't be trusted i will pay diligently till this account is paid for then I will close the account seemed like a great service but these practices are unacceptable.

Company response to consumer: Closed with explanation