vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. An 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. GOVERN YOURSELF ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My Wells Fargo account was hacked which I made a call about and they told me that they would refund me. So I sent my irs check to that account cause I thought it was okay, they ended up taking XXXX $ out of my account when the check hit cause it was overdraft from the hack. It showed I had an available amount and I was only using my card cause that. They told me the irs check didnt hit till my account closed because the overdraft like 3 days later, even though it showed available. My card has never been able to access money without it being available. Even if so still an issue on their end, I should see an accurate number for availability on their app. So they closed my account took all of my irs check because they didnt solve the issue correctly and blamed me. They use my money to close the account without any warning or call and my account was fine the day before. I have called so many times and I also have went in and they keep putting the blaming on me for my account being hacked. I am a poor college student and Im trying to graduate right now, that money from irs was my only money I had and I cant afford to eat or buy anything I need. They wan na refund me XXXX $ for one of the overdraft when they should do all them cause they werent me.. this has caused me distress and anxiety and I feel like no one is advocating against this or for me and Wells Fargo was really unhelpful and unkind. When I went in the lady tried to scolded me about what Ive spent money on, it was unprofessional and she also was blaming me. Young people need to be listened to, too. I have no one else to come in with me and help and its really unfair and unfortunate that Wells Fargo thinks its okay to take advantage of me because Im young and my money. They also keep blaming me for the overdraft fees even though I called and they told me I must of talked to someone that was a scammer. Which I feel would mean I need more support by them, but they stole my money.

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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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 any 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 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XX/XX/XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XX/XX/XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

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 explanation
Consumer complaint received 2023-03-17 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: TN

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 XXXX Account Number : XXXX has violated my rights. Or the 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 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 or 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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing in regards to [ a late payment ] on my credit report from [ XX/XX/2022 ] for my [ ALLY ] account. 
I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because [ A PAYOFF CHECK FROM XXXX XXXX WAS RECEIVED BY YOUR OFFICE IN ATTEMPT TO PAY OFF THIS LOAN During the time this payment in question was due, I was Not notified that the check would not be deposited due to the wrong pay off amount. Consequently this led me to believe that it had been deposited and that I { did not } have to make a regular payment. This was the very first payment of the loan. A magnitude of misunderstanding in play, i was not able to determine if you { ALLY } Or if XXXX XXXX was Responsible for my loan ]. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 
As a courtesy, I am requesting that [ ALLY ] make a goodwill adjustment and remove the late payment on [ XX/XX/2022 ] from my record. 

The Dealership Headquarters of XXXX XXXX XXXX Georgia Lost the first. payoff check given From XXXX XXXXl .Ally Finance received a 2nd payoff check from XXXX XXXX XXXX The never deposited either check. I was forced into accepting the financing the dealership placed me with when they knew i had been approved with 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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been dealing with issues with Equifax credit reporting agency for almost 1 year now. I have been attempting to get a construction loan to build my house and 4 different lenders have been unable to pull mine and my husbands Equifax report. They have consistently gotten XXXX and XXXX with no problems. I filed a complaint after hours on the phone with no resolution on XX/XX/2022 with CFPB. The result of this complaint was stated to be resolved by Equifax however their answer was the same I had gotten every time I called. It was in essence not resolved. Now almost one year later I am attempting my construction loan and again the bank can not retrieve my credit report from Equifax. XXXX and XXXX are fine. My husband and I have been on the phone 3 more times in the last week trying to get to the bottom of it with no avail. Every person we speak to states there are no freezes, no fraud alerts the company should be able to pull the report. We have done authentication verification with Equifax as supposedly this would clear it up and today, the bank still could not pull the report. We have been going through this for a year now. Its absolutely ridiculous that no one can figure out why this is happening and only with Equifax. I am emotionally spent and so disappointed that I can not move forward with my home because they cant manage to fix whatever this problem is. Something is wrong and they need to figure it out. I have tried absolutely everything I can at this point. We need some help. I have attached a screenshot of what the lender received and this is after 3 phone calls over the last 3 days and everyone stating there shouldnt be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. An 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. GOVERN YOURSELF ACCORDINGLY!

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am a XXXX  XXXX as well as a XXXX XXXX. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am paid through the Management company or bank for my services. During the last week of XXXX XXXX XXXX of XX/XX/2023 I completed 13 Court ordered evictions for Open Door Property Management. The last ( 2 ) checks I mobile Deposited were check # XXXX and check # XXXX both in the amount of $ XXXX # XXXX was cashed however check # XXXX was and still is being held and XXXX told my account has been closed. I contacted the owner of the bank both checks were written on and he was going to reissue the check however Huntington had already taken the funds from his account. I have been to the branch several times and was told that the check # XXXX is altered. On XXXX i went into the branch and took both checks and the stubs and verified the check in fact had not been altered. The banker scanned and emailed them to the Hold Desk. My Attorney XXXX XXXX has attempted to call and explain he has been retained, and was not contacted back. I was called by the branch and told that they wont talk to my attorney because he is not on my account. I was told that I would have to file a Power Of Attorney in order for him to repersent me. I am attatching the copies the banker sent to the Hold Desk. i explained that life still goes on and I need my money as I have bills and kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following agencies was involved XXXX XXXX, XXXX and Experian was disputed on the dates of XX/XX/XXXX XXXX also XXXX XXXX also XXXX XXXX and XXXX XXXX. XXXX XXXX account that was paid off showing derogatory on my credit report causing me harm and violation title 15 us 1692:41 and 15 us 1692 : d also 15 us 1692 : c this is hindering me in moving forward in my personal life all 3 agencies are involved in this fraudulent mistake

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I sent a complaint back in XXXX regarding this same complaint. I did not realize I needed to provide more documentation and Midland Credit stated they sent me documents that I needed to fill out and send back, but I never received any documents. I found out my dispute was closed and they are still trying to pursue with the collection of the funds. I am filing a dispute again. I was a victim of Identity Theft and have reported this with the credit bureaus ( XXXX, XXXX, XXXX ). Therefore, this credit card with XXXX XXXX XXXX  was opened in my name as fraudulent. I had no recollection of this card. And there is proof back in XXXX I reported that I was a victim of Identity Theft and in XXXX XXXX XXXX XXXX  sent this bill to collections ( Midland Credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TN

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 XXXX Account Number : XXXX has violated my rights. Or the 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 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 or 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 2023-03-17 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: TN

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 XXXX Account Number : XXXX has violated my rights. Or the 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 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 or 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 explanation
Consumer complaint received 2023-03-17 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: Winklevoss Exchange LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor : Gemini/XXXX has violated my rights. Under 15 USC 1681 Section 602 I have the right to privacy. Under 15USC 1681 Section 604A Section 2 it states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation