vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or a 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received 2 letters from Wells Fargo dated XX/XX/XXXX stating that I was enrolled in the Identity Theft Protection -Affinion product and to contact them if the enrollment wasnt authorized by me. I called them on XX/XX/XXXX to say I had not authorized the enrollment. There were two separate enrollments at two different times. The representative said that a check in the amount of {$3100.00} and another check in the amount of {$62.00} would be sent and to call them if I hadnt received the checks in 30 days. XX/XX/XXXX, I called to say I hadnt received the checks. They said the checks had been processed on XX/XX/XXXX and to call if I hadnt received them in 30 days from that date. So I called again and spoke with multiple people. They now say that the checks are being processed but they dont know when the checks will be generated or when Ill receive them. There have been multiple conversations totalling hours on the phone. Initially, it would be 30 days to receive the checks. Now they have no idea when Ill receive them.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy 15 U.S.C 1681 section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my writte instructions. 15 U.S.C 166b A Creditor May not treat a payment on credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I applied for credit. The creditor could not access my Transunion credit report because of a freeze/lock. I went to the TU website to unfreeze/unlock my credit report. I was unable to access my account. I called the telephone number provided by TU. I was told there was a permanent fraud lock on my account. I was never notified of this issue and I was told it could not be fixed. I requested to speak to a supervisor and was transferred to XXXX XXXX and was not able to understand the call taker. She told me to call back untill I got someone I could understand.

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 2024-01-11 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: AZ

Complaint narrative:
In XXXX of XXXX, I incurred many unnecessary fees because the only option I had to access my funds was through cash advances on my credit card which cost a great deal. I spent more than XXXX dollars on finance charges. 
Also, they repeatedly locked my account for a three day fraud investigation, each time assuring me, that once I passed the screening through freeze would not happen again. They kept me from using my funds for weeks at a time.

The attached file shows three purchases made from the XXXX atm for a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have requested the immediate removal of fraudulent accounts and inquiries form XXXX, Equifax and XXXX. Under setion 605B of the fair credit reporting act, in union with 15 USC 168c-2. Below are the listed fraudulent accounts and inquires. 

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 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 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 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo is refusing to acknowledge they received payment from XXXX XXXX XXXX for my Gap coverage. My car was totaled before XXXX XXXX and my loan is still not closed. The dated check for the GAP was sent to Wells Fargo on XX/XX/XXXX in the amount of {$2000.00} and XXXX XXXX XXXX has record of Wells Fargo cashing that check on XX/XX/XXXX. Wells Fargo is saying g they never received payment. I've been turned down continuously while attempting to get another vehicle so I have transportation to work. Almost 2 months later my loan is still open and I desperately need to get another car and because of this issue, I can't.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I went to do a soft pull on my credit score beginning XX/XX/XXXX cause was looking into making a home loan to rebuild my moms home and with using my personal bank that allows it without credit score being affected. Opened it up and showed XXXX as my score. Went to look at credit report and I had over 14 new open issues at top and below showing all open accts from XXXX of XXXX and a couple in XXXX. Below I have uploaded all reports that havent been authorized by me. And police repost also made which have been uploaded. It has taken me almost 3/4 months to get here now and place this report in hopes to fix my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I went to do a soft pull on my credit score beginning XX/XX/XXXX cause was looking into making a home loan to rebuild my moms home and with using my personal bank that allows it without credit score being affected. Opened it up and showed XXXX as my score. Went to look at credit report and I had over 14 new open issues at top and below showing all open accts from XXXX of XXXX and a couple in XXXX. Below I have uploaded all reports that havent been authorized by me. And police repost also made which have been uploaded. It has taken me almost 3/4 months to get here now and place this report in hopes to fix my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
One Debt is XXXX for over {$800.00} said to originate in XXXX I think- I have not had XXXX as a phone service sense early XXXX  Do not know what this is and they will only tell me it is for XXXX phone service, I am not to pay for something that is not mine. I have asked all credit agencies to remove, have filed dispute after dispute and they will not remove from my credit! 
Second is a debt with Synchrony Bank for around {$200.00} - {$250.00}. I had to ask credit agency to spell the bank name as I have never had any dealings with said bank. I do not know when this happened - found out about and again did dispute after dispute and the credit agency will not remove. 
I pay my debts! I should not have to pay a debt that is not mine!!! I should not have to have my credit score low because these agencies will not remove a debt that is not mine!!! 
Today the rep with XXXX said that they will not remove because I did not file police report or file report to you FTC.gov. I did not even know how to reach out to you before today. 
Please help me. I have been trying to rebuild credit from a Bankruptcy over 25 years ago and these two things are keeping my score from going up!!! I should not have to pay for this in any way shape or form! 
Thank you in advance for any help you can give to me. 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was looking at my credit report and noticed they were some things that was not correct. I sent two letters to Experian on XX/XX/2023 and XX/XX/XXXX XXXX Mail here is my tacking numbers XXXX. ) XXXX XXXX. ) XXXX But it has been more than 35 days since the credit bureaus haven't responded. That's a violation of 15USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and accept as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer smile at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is incorrect and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There was a double charge for XXXX  and two pair where sent when I only ordered one. The company said they were looking for the XXXX  for months while I was waiting for my money back my phone was turned off 4 times with late fees. A lady said she would remove the cost of XXXX and the fees and would call back but never did. In the meantime due to their customer service I changed providers. The bill was place in collections with the late fees and XXXX  attached. The company refunded the XXXX  when I called because they found them but they did not deduct the fees like promised. I was waiting on a true final bill but they missed the ball here and reported false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a 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 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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:
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.

has violated my rights. Or a 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 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 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: UT

Complaint narrative:
The original creditor must state, that the debt was paid or remove it from my credit report. The original creditor excepted payment for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I applied for a small business loan to open a line of credit for my small business. I was declined because of my personal credit and its for my small business not me. I cant run my company at 100 % without funding. 12 usc 1431 are required by law to fund small business with XXXX with out documentation. I had to show funds and run personal credit. I feel like my equal credit opportunity and consumer credit protection was violated by doing so. I just want funding for my small business. Everyone I talk to did have an answer and they just bounce me around the phone. I have my LLC and ein information what else do I need to get funding for my small business.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or a 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Unauthorized account opened using my information. 

XXXX- Account # : XXXX Date Opened : XX/XX/XXXX Credit amount : {$2300.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX & XX/XX/XXXX Credit amount : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have contacted the collection agencies and each company referred me to dispute through the credit bureaus to get the problem resolved. XXXX stated that since the address was listed on my credit report and the company reported the account that it could not be removed and XXXX and XXXX XXXX keeps stating that the account belongs to me. Even after requsting proof form the collection that the account belongs to me no one has provided me with any proof that the accounts belong to me. On my credit report there's several name variations of my name and addresses that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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