vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
When I reached out to XXXX, XXXX and equifax about XXXX XXXX  saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
When I reached out to XXXX, experian and XXXX about XXXXXXXX XXXX saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXXXXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of 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 explanation
Consumer complaint received 2023-01-29 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: DISCOVER BANK
State: LA

Complaint narrative:
To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX, XXXX XXXX XXXX XXXX company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: OneMain Finance Corporation
State: LA

Complaint narrative:
To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report XXXX ONEMAIN XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I discoved on XX/XX/XXXX that I have been charged {$7.00} for XXXX on my Amazon.com store card, ending in XXXX, on the XXXX of every month since XXXX of XXXX. 

I previously had an account with audible that was canceled in XX/XX/XXXX. That arrangement was on a different card ending in XXXX. 

At no time did I authorize a membership or fee to be charged to my amazon store card ending in XXXX. 

Synchrony Bank is the issuer of the card with the unauthorized charges ending in XXXX. 

They have provided a provisional credit for current charges as well as the last two billing statements as they are required to by law. The employee, XXXX, stated that they will conduct an investigation for the charges from XX/XX/XXXX through XX/XX/XXXX ; a total of XXXX months. He stated that it may take up to 60 days for the investigation to be completed. I understand that they are allowed this time by law. 

The reason for my complaint is that XXXX does not show an active account for me at this time. I confirmed this with one of their representatives. I also have a screenshot of the account showing that the service was canceled in XX/XX/XXXX. So, for some reason, I was being charged on two different credit cards between XXXX and XX/XX/XXXX. The charges on my XXXX XXXX XXXX, ending in XXXX, which I never approved. Began in XXXX of XXXX and were still being charged to this card as of XX/XX/XXXX. 

I am happy to provide any documentation you may require. Thank you inadvance for any assistance that you can provide. 

Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Toyota Financial reported late payments to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. Toyota reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with Toyota and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive COVID-19 relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Card Services charged my checking account for the full balance on a balance transfer of 2 months earlier via their balky and confusing digital payment website. Why would I transfer a XXXX balance XXXX a 3 % fee only to pay it off 2 months later. I made it clear when bal xfer was done I intended to pay it down at $ 100 monthly. After the XXXX XXXX worked as intended they charged the full balance in month XXXX against my checking account. I have spent many hours, incl multiple XXXX minute wait times to reach them, to explain and have this matter resolved. They agreed to reverse the full pmt, only to treat it as a new purchase rather than the transfer incurring XXXX interest thru XX/XX/2023. 
The whole experience was a nightmare of failures on their part to correct the problem. I have finally resolved to pay of the amount remaining that I borrowed less all fees and interest they have charge over the last XXXX 9 months. 
This due to the many hours of my time and aggravation getting a fair resolution of the matter, which they have refused to do. I will mail the full payoff on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
On Friday, XX/XX/2023, I was working in XXXX, XXXX  at my job when XXXX unauthorized ATM withdrawals were done on my account. The transactions originated from a place called XXXX, XXXX  at an ATM on XXXX XXXX XXXX, a place I have never in my life been to. XXXX ATM withdrawal was for {$140.00} and the other was for {$100.00}, both done at XXXX XXXX  in the same location. I got the notifications of the withdrawals and immediately went into the break room to dispute the transactions and cancel my card, as I had never lost my debit card or given anyone use of it, or the numbers. I have also never written my card or pin number down anywhere, so this was very concerning to me but I was sure the bank would help me. I filed the dispute and a few days later the bank came back and told me that there " was no error upon their investigation. '' I immediately tried to get in contact with them again to speak with a manager for further help, because this was wrong. They proceeded to tell me there is no manager available to speak to or phone number for me to call, I am stuck having to speak with them over chat. One representative told me to file a police report which i bave never heard of in a situation like this. One representative told me to email the dispute team, and that they would give me all the information that they got during their " investigation '' which led them to this conclusion. I have emailed the dispute team twice in the last week, and although their automated response says they will respond in XXXX hours, I have yet to hear back and it has been days. I don't know where to go from here but I need my funds back. Don't use Current!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
We applied for XXXX relief during the pandemic as we were struggling to make payments. Wells Fargo offered forbearance terms and stated that they would just put the missed payments on the back end of the loan. Our payments were about {$1800.00} per month and we took the forbearance period of the XXXX  months or so that was allowed. 
Well Fargo added {$30000.00} to our original loan amount. We paid {$330000.00} for our home and they raised that value to {$360000.00} and added XXXX  years to our mortgage. We now have a XXXX  year mortgage instead of XXXX. 
They have also raised our payments multiple times since we started paying again. We have contacted them several times and haven't had any luck. This is criminal to a hard working family of XXXX. 
We were told the forbearance was federally assisted and our terms wouldn't change.

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 2023-01-29 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: TX

Complaint narrative:
I have repeatedly sent factual disputes to Experian concerning these accounts. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Yet accounts are still being reported inaccurately. I have tried using their upload documents feature to send information. There is no way a real person is looking at these unverified accounts. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I am a victim of this i have rights and they should not continue to be violated. 
Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

There is a attached copy of A copy of my Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
number XXXX XXXX accordance with the fair credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right 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 Account XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
number XXXX XXXX accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: PA

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 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Credit report XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Yamaha Motor Finance Corporation USA
State: MA

Complaint narrative:
Incomplete Documentation. I had XXXX loans on XXXX different XXXX. The XXXX payment was {$330.00} on XX/XX/2020. Also they show {$1100.00} was applied to the principal on XXXX XXXXXXXX XXXX the XXXX which does not show it has applied. Need all payments dating back to XXXX on both the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma promised pre approval with excellent odds of approval when I was denied for said credit cards. The resulting applications ended up hurting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit report XXXX transunion credit report XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA just filed a new collection agency report with a false date in order to renew false charges from over a decade ago. {$66.00} in charges have always been invalid and have been disputed for over a decade. The old report expired years ago, and the new collection agency is renewing the effort using a false date so that the credit reporting bureaus would accept them. I assume this is a practice they are doing wil a lot of filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: PA

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 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit report Experian XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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