vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: OK

Complaint narrative:
Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. Equifax, XXXX and XXXX are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information.

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. Equifax, XXXX, and XXXX, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, Equifax, XXXX and XXXX, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: OK

Complaint narrative:
Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. XXXX, XXXX and Experian are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information. 

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. XXXX, Experian, and XXXX, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, XXXX, XXXX and Experian, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.

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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Background : I have a couple of business loans ( about XXXX ) in my corporations name with Wells Fargo that have been suspended since the pandemic began. I made regular payments on them before the pandemic. For three years since, I have made no payments. 

In XXXX of this year, the bank suddenly took about XXXX from my personal and business accounts and applied it to the loan. I called them and asked them to create a payment plan. They refused. They said they would come after my personal assets for the rest of the loan. I have no personal assets. In fact, after they emptied my accounts, I was at extreme risk of financial collapse. It was tantamount to a sudden and unproved violation that left a family of 4 on the brink of disaster. I pleaded with Wells Fargo to structure a repayment plan ( as I have done with many of my other credit lines ), but they intended to engage in this aggressive posture. My pleas fell on deaf ears.

The outcome I am looking at from this part of my complaint is for Wells Fargo to restore the funds to my accounts and engage in good-faith negotiations to structure a reasonable payment plan. At this point, I am faced with their belligerent threats to drive me into abject poverty by confiscating any and all of my existing or upcoming funds. I am at a loss as to why and how this is allowed. I am not a corporate entity with deep pockets. I have no employees. I am essentially a self-employed individual who has incorporated because of the demands of my profession. Please help me gain mental and emotional stability by limiting the banks ability to violate my family and me.

As an IT professional, I have a limited income and have struggled financially through the pandemic. I need assistance to stay on my feet and continue being a productive member of society. Please do what you can to provide guidance or move to remedy my situation with Wells Fargo to help ease my mind. This has been very difficult for my family and me emotionally, and I need any help I can get to navigate this challenging situation I have been thrust into.

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 2023-04-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX PI XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are the inquiries that I do not recognize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are the inquiries that I do not recognize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
During week of XX/XX/XXXX I contacted my bank, Synchrony, about the process to do a wire transfer. They said my account was " diamond '' level and I get 3 free wire transfers a month. They also said i needed to get specific wire instructions from the receiving bank, address and phone number, etc. I contacted the individual I was going to be wiring funds for a truck I wanted to purchase. He gave me the info. I called the bank, they then told me i needed entirely different info. I got that info then on XX/XX/XXXX I contacted my bank that has my savings account to do a wire transfer for a truck i want to buy and they told me i didnt need any of the info the previous two people told me i did and that I just needed the name and address of the individual I was wiring funds. I gave them the info and had them wire XXXX to their account for the truck. 
I don't hear anything from the bank and followed up with the individual to see if the wire went through, he said it didn't. I logged into my account to see if it had any info there and I was greeted with the message that ALL my accounts were restricted. I call the bank to find out XXXX is going on. They say my accounts are " in review '' then try to say they think its fraud but there have been no attempts to access my account from outside the country or anything that can be misconstrued as fraud other than apparently me wanting to use my money. They say it could take up to 60 days!!!!! to review my account. I am beyond livid at this point. I tell them to cancel the wire and that I'm going to close ALL my accounts. They say i can't do XXXX and have to wait for their " review '' to complete. I have them escalate. I call back the next week. They give me the same XXXX excuse they are investigating, i have them " escalate '' again which is clearly a XXXX process that doesn't exist, they say it should be a few more days, called again Wed XXXX and Friday XXXX, same XXXX. They have totally XXXX me. I had autopayments setup that are now failing, I have a bunch of late fees due to this and I can't even use my credit card now as they have locked it because the payment didn't go through. They have basically stolen ~ {$80000.00} from me with no explanation and apparently no accountability. I don't know if they are about to go XXXX up like that bank in california but it looks like im going to have to find an over seas bank to work with as US banks are so poorly regulated with XXXX regard for consumers.

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 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
RE : Illegal Credit Practice Complaint Name of XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Case Number : # XXXX Tell # XXXX To Whom It May Concern : The original contract of the amount of finance with XXXX XXXX was {$3300.00}, with a down payment of {$500.00}, cash, and {$1000.00} with a check and a TOTAL OF XXXX. Please see attached. 

Payments were made with XXXX XXXX 's personal checks from XXXX XXXX personal checking account. The remaining balance should be {$3300.00}, with 42 months of free Financing to pay without interest, because its against my religious obligations. They agreed with me and my monthly payment was {$80.00} per month for 42months, I paid 2 years, and then the county get a recession, and XXXX XXXX and XXXX break up the contract agreement, I still was paying until XXXX asks me to pay back all the interest for the last two years, which I refused to do so, I contacted XXXX XXXX XXXX and their documentation does not go back 10 years to provide canceled checks. See attached letter from XXXX XXXX. 

XXXX and XXXX XXXX are no longer one company and XXXX has debt collection garnishing funds at the full price of the original purchase contract from the co-signer XXXX XXXX. 

Last year they garnished approximately {$4000.00} from XXXX XXXX, and we had to go to court and overturn the action this has now happened again recently, and again, they took XXXX, out of his account, and they are going after his job to collect his wage but he doesnt have a job now. 

How can we correct this error and stop this from happening repeatedly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to the FCRA, it is TRANSUNION 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes the reporting of 120 day late payments on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681ad ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments, resulting in TRANSUNION violating my federally protected consumer rights. To add I did not given TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is very clear that TRANSUNION has violated my federally protected consumer rights and the inaccurate credit reporting is causing me and my reputation severe harm and discrimination.

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 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: AZ

Complaint narrative:
Yamaha finance can not seem to apply my payment correctly. My next payment due was XXXX, XXXX, XXXX. I made a payment on XX/XX/XXXX which would make my next available payment XXXX, XXXX. XXXX. My statement now shows my next payment due date is XXXX, XXXX. XXXX. I've filed a complaint about this twice already with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a fraudulent account - XXXX XXXX XXXXXXXX - opened on XXXX due to identity theft. This is the second time i have had to file this complaint as no response was recieved from the first complaint months ago. The other bureaus have already removed the account from my credit report yet you have not. The following inquiries are also fraudulent inquiries that I did not approve or initiate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a fraudulent account - XXXX XXXX XXXX  - opened on XXXX due to identity theft. This is the second time i have had to file this complaint as no response was recieved from the first complaint months ago. The other bureaus have already removed the account from my credit report yet you have not. The following inquiries are also fraudulent inquiries that I did not approve or initiate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07 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: FL

Complaint narrative:
These inaccurate inquiries reporting on my credit profile. experian, XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC
State: TX

Complaint narrative:
I and other family members were contacted via phone call by a collections company called Spire Recovery Solutions claiming that I owed a debt to XXXX XXXX for the amount of {$780.00}. They claimed that I had 48 hours to pay or dispute the charge by filing a police report ( this was on XX/XX/2023 ). I did not receive any correspondence about this charge via mail or email. When I asked them to send me concrete correspondence showing that I owed this, they claimed it would not arrive within 48 hours so it was meaningless to do so. I went to the police department ( on XX/XX/2023 ) to file a claim but needed the correspondence for the officer to create the report. The next day ( XX/XX/2023 ) I received a email from Spire Recovery Solutions with a delinquency notice stating that I owed the same amount to a different company named XXXX XXXX XXXX XXXX. I plan to gather all the information I have to file the police report although when speaking to the officer, he stated that it all sounded like a scam because there was no correspondence, a call of urgency to pay, and lack of informational accuracy. I have also checked my credit report and it does not show that I incurred any line of credit from any of these companies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
Transunion you reported inaccurate information.. US DEPT. OF EDUCATION/XXXX  XXXX XXXX you reported inaccurate information.. US DEPT OF EDXXXX XXXX XXXX you reported inaccurate information.. GLELSI.. 
XXXX These accounts has been furnished..

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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. 

YOU TRANSUNION, XXXX, XXXX have aided this fraud by not verifying these account. 

An identification of me has been used without my permission to open several accounts that has damaged my reputation and damaged my mode of living because you furnished a consumer report without my permission as stated by Federal law.

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