vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: NM

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

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX 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 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 2022-11-21 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: NM

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

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am trying to get to the bottom of fraud committed by a former friend. A {$200.00} secure credit line was opened in XXXX XXXX XXXX XXXX, yet I was charged for the transaction ( according to XXXX XXXX XXXX XXXX XXXX was living at my apartment when this account was open and would have had very easy access to all of my personal information. When I initially received these account alerts, they were sent to XXXX  and I did not notice that I was charged for a secure credit line in someone else 's name by a bank that I had never heard of before. I had reported a suspected fraud to Regions at the time, and nothing was resolved due to Regions not addressing my concerns. I, therefore, closed this bank account and am now unable to access my old statements. XXXX added my Regions bill pay to her secure line of credit, apparently, and this was never stopped by regions. I expect a refund for unauthorized payments made from my account and access to my previous statements. Please find attached the alert sent to my XXXX last year regarding this manner, my report to the FTC, and the CFPB report that I made against XXXX XXXX bank itself.

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 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Weote to this company a few times about them trying to collect a debt that they arent legally able to do so. 
They are not licensed to collect any debt in my state and couldnt provide me with proper licensing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Titanium Funds
State: CA

Complaint narrative:
I purchased a used vehicle back in XXXX at XXXX XXXX XXXX  where i was referred to by a friend of the family and at the time i didnt have much money to put down on a new vehicle and they were advertising you could get a vehicle with little as XXXX cents down on approved credit so i figured i would give them a shot. Upon going to the dealer lot and filling out an application i noticed alot of the cars on the lot were old after sitting down with a sales manager i was approved at first for the XXXX cents down then they told me that i didnt make enough and would have to put down more so i ended putting down {$300.00} and my financed amount was {$11000.00} so i ended up getting a XXXX XXXX  XXXX le they dont charge you monthly like a normal car dealership its based off your pay frequency so i was paying for my car every two weeks in the amount of {$210.00}. The amount of interest i was paying for that car was around XXXX XXXX which is way too much for such an old vehicle i could of bought the exact same car cash for $ XXXX ended getting into a accident XXXX of this year where someone rear ended me on the freeway and totaled the car and the airbags did not deploy. unfortunately i had to get another vehicle through the same place because once i again i was short on money to go anywhere else and i needed a car as soon as possible to be able to go to work so ended up getting a XXXX XXXX XXXX XXXX for {$17000.00} which the car is nowhere near worth XXXX only values the car for XXXX or XXXX XXXX at the most. my issue is not only with price and high interest rate but they also do not fix anything on these cars they have a very limited warranty that covers parts that are not even going to break down on the vehicle any common issues they dont cover and leave you on own to fix or pay for this new car is already giving me issues regarding the suspension and struts and the brakes and wheel bearing there is all kinds lights going off and the check engine light on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting validation that the debt this company claims is mine. If they can not provide a document with my wet signature, then this debt is not valid. 

XXXX XXXX XXXX XX/XX/2020 {$210.00}

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX XXXX Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX XXXX XXXX {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidaviXXXX XXXX  Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit

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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime has refused to refund me for the amount of {$36.00}. 

On XX/XX/XXXX, someone stole my card information and placed a XXXX  order for {$36.00}. 

I have proof that the order was placed in XXXX XXXX, California. 
I live in Tennessee. 

I have proof that I was in Tennessee, driving home from work, at the time of the fraudulent charge. 

I have proof that I do not use XXXX. My only transaction was over two years ago at XXXX XXXX. 

I never authorized a payment to XXXX  or XXXX for someone in California to feed themselves XXXX 

I opened a dispute and it was denied. I opened a rebuttal to the dispute and it was denied. I attempted to reopened the rebuttal and they have offered to send me documents of the denial rather than resolving the situation rightfully in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX credit accounts were acquired by XXXX XXXX  approx 2 yrs ago. XXXX raised my account credit limits by several XXXX initially. It reduced the card with the lesser limit, about a yr ago. I'm writing about my avccount ending in XXXX. Until 2 days ago it had a limit of {$18000.00}. 
XXXX 's computer systems are poor and caused several problems that required multiple very long and involved calls to resolve. Once most of the system glitches were corrected I began to use that card for bill payment. 
One of the glitches that never gets fixed is the sites inability to recognize my id and password, for more than 2 sign ons. This makes it unavailable, for quick reliable use On XX/XX/XXXX, i received a text questioning 2 new purchases, on my cred account. The message said I should call XXXX. 
I called XXXX and told them that the larger one for XXXX was correct. But the {$1.00} for a XXXX  was incorrect. I asked the representative how to best go through securing the account and avoiding changing the autopayments. Either their rep didn't understand me or i her, but there was quite a lot of contridiction between what she said and what she needed to read, when it came to disclosures. She tried to transfer me to the security section, but the call was dropped. 
On XX/XX/XXXX, I received notice that my credit line was dropped from {$18000.00} to {$6500.00}, the current amount of my outstanding balance. 
XXXX 's action generated a lot of credit warnings, since my usage went from 30 % to 90 %, in one day. I will be reducing the balance to reduce the abrupt reduction in the line and increase in XXXX % I'm very concerned that XXXX 's unilateral action w/o notioce may reduce my credit score and increase the cost of credit to me I could have called XXXX and asked them to raise the limit to where it was, directly. But, too many of my prior experiences ended so badly, I didn't want to waste my time. Instead, i thought it better to place a note of this event, on your records, I'm requesting that someone in your office investigate why my line was reduced and help me avoid any harm done to my credit due to XXXX 's action Kindly confirm your receipt of this note and request Thank you

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 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Weote to this company a few times about them trying to collect a debt that they arent legally able to do so. 
They are not licensed to collect any debt in my state and couldnt provide me with proper licensing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company has not reported my balance since XXXX. I have checked all bureaus. The account balance is also at XXXX. 

I am trying to buy a house and this is not helping the process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: AR

Complaint narrative:
I just received a debt collection letter from First National Collection Bureau inc trying to collect a Credit Card debt from XXXX. I don't have an account with XXXX I've never received a bill from them, I've never applied for a XXXX, nor have I gotten a bill via email from them. This is the first thing I've heard of this debt. I sent them a letter today as instructed by their office stating that this debt wasn't mine and I wasn't responsible for it. Also, this is the third complaint I've reported to the FTC about identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts in my report that I view fraudulent, the dates, balances, and statuses are wrong. This is violating my FCRA.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts in my report that I view fraudulent, the dates, balances, and statuses are wrong. This is violating my FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: FL

Complaint narrative:
There is substantial documentation uploaded. Please review. In summary, First Progress has not been responsive in my investigation regarding a former friend ( XXXX XXXX ) somehow getting away with opening a secured line of credit and charging my bank account for it. I never authorized paying {$200.00} to fund her a secure line of credit or the {$39.00} additional payment made on my XXXX XXXX XXXX XXXX account. I have subsequently closed the XXXX checking account ( due to suspected fraud, nevertheless ) ; but it appears that charges were made on XXXX 's behalf from both my XXXX XXXX XXXX XXXX account and my XXXX account. XXXX XXXX is investigating this as well, and I have recently sent a request to XXXX  bank to investigate as well. However, First Progress has not been responsive, and this is a serious manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
Hello, I applied for XXXX XXXX in 2020 and I am a part of the class action lawsuit in XXXX XXXX XXXXXXXX. I still have no updates to my application as my loan is supposed to be discharged. My school, XXXX is on the list for the class action and I have probable cause for discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXX XX/XX/2022 TO WHO IT MAY CONCERN Wells Fargo Case number : XXXX Account number ending in : XXXX Dear Sir/Madam, I am writing to submit a complaint against Wells Fargo with regards to an issue I am facing with my XXXX tax form and more importantly, the fact that Wells Fargo has NOT be able to maintain or manage accurate contact details for my account despite being a customer with them for 26 years, sinceXXXX. The full details of several challenges related to this issue I have and continue to face are provided below or in the attachment. I am also copying correspondence sent to the Board of Directors, Case Specialist and others at Wells Fargo. 
How can Wells Fargo be allowed to operate as a bank and fulfill its fiduciary responsibility when it can not maintain and manage accurate contact inform for its international customers? More concerning is how can Wells Fargo be allowed to hold the money of it's clients through CDs and more when the customer contact information is wrong and inaccurate over several years? Who is responsible to ensure that Wells Fargo meets its obligation to maintain ACCURATE customer contact details, managed under strict data protection/care guidelines in accordance and as required by law and regulations? 
Despite all attempts and assurances by the bank, even to date my contact address and phone number are NOT reflected accurately on my online account. The country where I am living is still not recorded or displayed. 
There is much more to this story. Please read the below and/or attachment for full details of multiple issues regarding my customer contact details. 
I am demanding that Wells Fargo address my complaint and resolve it immediately, as this has been going on for months now and I am losing money every day and this is a big financial loss for me. 
A very frustrated and disappointed long-standing customer, XXXX XXXX XXXX XXXX XXXX XXXX Cell : 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 2022-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AL

Complaint narrative:
Per the CARES Act, I submitted a refund request on XX/XX/XXXX for payments made during COVID payment pause. I was told it would take 2 months to process the request. 

Summary of payments requested for refund : {$550.00} payment made XX/XX/XXXX ; {$29000.00} payment made XX/XX/XXXX. 

A partial refund for {$550.00} was received XX/XX/XXXX. Meanwhile the student loan balance on my account reflects the combined total of {$29000.00}. I have not received the {$29000.00} refund. Today is XX/XX/XXXX. The two month timeline given was XX/XX/XXXX. 

Multiple attempts made seeking resolution to refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

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 name : XXXX XXXX  # XXXX Account name : XXXXXXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And i have filed police report as well

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 2022-11-21 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: CA

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 name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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