vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-03-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Credit cards & accounts have passed the statute of reporting. I put in disputes with XXXX, XXXX, & XXXX but the accounts still remain without explanation. Cards in question & dates closed. 
# XXXX XXXX XXXX XX/XX/2018 # XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXXr closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 XXXX XXXX Hyundai Motor Finance # XXXX Hyundai Motor Finance # XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: PA

Complaint narrative:
First Credit Services calls me at least 5 times a day from multiple area codes. I have blocked many of their numbers and they continue to call. Here is just a list of the numbers I have had to block to try and get some peace. 

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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Data Systems
State: NC

Complaint narrative:
I have never in my life had a contract with financial Data systems and they are reporting medial debt on 3 accounts in my credit and it is threatening the integrity of myself and affecting me getting approved for a home to put my family in! This is horrible please help me with this fraudulent matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Name is XXXX XXXX am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is closed Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I was not sent notice to dispute the validity of this alleged debt. I am disputing the completeness and accuracy of this trade line that is being reported to my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-21 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: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
XXXX Notified by XXXX credit monitoring of a hard credit inquiry by XXXX XXXX XXXX I did not authorize. 

XXXX by XXXX XXXX monitoring of a hard credit XXXXnquiry by TD Retail Card Services -- I did not authorize . 

XXXXNotified by Postal Carrier that an address change request was received for Washington State, I did not authorize and have not moved. 

XXXX Contacted Post Office and took identification to verify my identity and stopped address change. 

XXXX Contacted XXXX and did a dispute of the credit inquiries and then have been removed. 

Added additional credit monitoring of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. 






The CORRECT Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-21 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: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I got a notification from XXXX that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with SELF FINANCIAL/LEAD BANK ( Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( Lead Bank ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company SELF FINANCIAL to file a fraud/complaint. I tried calling SELF FINANCIAL and of course it is an automated voicemail with instructions on how to report fraud. I emailed the SELF FINANCIAL at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with XXXX when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I applied for a loan on XX/XX/2023 as I received an email stating I was pre-approved. I received a message stating to call my local branch on XX/XX/2023. I spoke with the representative whom sent me an email with a link to confirm my email and submit additional documentation. I submitted all requested documents that same day. It has now been over a month with an email response or written response. Mariner Finance did a hard credit pull with the application. I called my local branch today XX/XX/2023 to see why I haven't received a written response to my application. I was informed that my application was denied. However, I never received any written notification as to why I was denied by email nor regular mail. This is clear violation of the laws regarding obtaining a persons credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
On XXXX XXXX, XXXX  I attempted to use WISE to transfer {$60.00} euros to XXXX  a XXXX insurance company, to cover a co-pay for my deceased brother-in-law. I erroneously put his name and date of service in the purpose line so XXXX  immediately returned the payment to WISE on XXXX XXXX, XXXX  because they did not know where to credit the payment. WISE then sent the money to an unknown account on XX/XX/XXXX. XXXX has assured me that they did not receive a payment on XX/XX/XXXX. WISE refuses to provide me with the account number to which they sent the payment but have shared that the address is in XXXX. XXXX is located in XXXX. I am attaching the document that WISE gave me with details of the transaction on XX/XX/XXXX. It seems that they sent the money to the wrong bank. ( See details in the first email chain that I am attaching. ) I have asked them for a refund but they have replied that they have asked the bank for a refund but that this process takes time and is at the discretion of the receiving bank. I have been asking for this refund since XXXXXXXX XXXX XXXX XXXX. I will also attach their latest email to me after one month without hearing from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I processed a payment through on-line bill pay with Bank of America through my small business checking account. The payment was to pay a vendor I have done business with many times. 

Pay to : XXXX XXXX XXXX  Scheduled Payment Date : XX/XX/2022 Amount : {$2700.00} XXXX XXXX XXXX never received the paper check that was processed by Bank of America. Someone stole it out of the mail, forged the check, and cashed it. Per my request, Bank of America sent me a copy of the cashed check with the forged signature. It was cashed on XX/XX/2022 and signed by someone who has no affiliation with XXXX XXXX XXXX 

Initial Claim number with Bank of America : XXXX The first claim was processed on XX/XX/2022. On XX/XX/2022, I received a letter that Bank of America denied the claim because the transaction in question was completed using a device that is consistent with previous valid account activity. '' How the payment was generated was not the issue. The issue is that someone stole the check and cashed it. 

Upon receipt of the claim denial, I called Bank of America again and they started a new " case '' under XXXX XXXX XXXX. XXXX XXXX XXXX had to fill out paperwork and have it notarized to confirm they did not receive the funds which was done in a timely manner. The only update I get is that Bank of America is in the process of researching the issue, and they are waiting for " XXXX XXXX XXXX XXXX '' to respond. 

Bank of America has been giving me the run around on this since XXXX XXXX. I have spoken to XXXX in Texas, XXXX in Texas, XXXX in Florida, XXXX in Georgia, XXXX with the XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX in Florida again as well as numerous correspondence requests through email. I have made over 20 contacts with Bank of America and nobody will take ownership of this and get the issue resolved. 

I would like my {$2700.00} put back into my business checking account. Bank of America 's complete lack of service and follow through on this issue has been beyond frustrating. 

Thank you in Advance for your help with this issue.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Grain Technology, Inc.
State: AZ

Complaint narrative:
The company asked me to send them private pictures of my social security card front and back to verify my identity a year plus after already having the card and blocked me from accessing my account. I told them I wasnt comfortable and they stopped responding for months. I happened to notice after several months that they started allowing you to verify with your drivers license since enough people were complaining about sending them their social security card. I submitted my drivers license and it pended for about 6 months while I continued asking them when I would have access to my account. Now as of a week ago they sent me an email that says that they decided not to allow me access to my credit card and thats their final decision because I didnt send them my private pictures when they wanted me to. This can not be legal. Im beyond disgusted. Im trapped in this nightmare of a card and was supposed to have a {$1000.00} credit card line. I have about {$600.00} available credit that Im not allowed to access and I have no idea what I actually still owe because theyre auto drafting my account every month for the remaining balance but I have no access to my account. How can I report them for fraud and illegal business practices? This is unacceptable and more people need to know what Grain is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My account with wells Fargo is now closed, so not sure how to get that info. I understand there has been some unlawful activity from XXXX, and my account was closed XXXX. I had many unexplained monthly fees and often charged overdraft fees at least once a month.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information being reported on my credit report is inaccurate. This includes old addresses, alias names, and accounts that are reporting in violation of my rights consistent with FCRA. A request was made citing the law and the accounts and inaccurate information listed. As of this date I have received no information from the credit agencies. The erroneous information is a violation of my rights and I request that unlawful information be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: VA

Complaint narrative:
I have received text messages from this company with no description of the supposed debt. There is a line at the bottom of the text that says " reply STOP to stop texts '' I have done this twice and am not unsubscribed. I do not believe this is a real debt collection attempt. A real debt company would send a letter in writing with the ORIGINAL creditor to the address they have on file. I will not respond to this supposed debt collector until I receive a letter explaining the supposed debt and where it came from. Stop calling and texting me.

Company response to consumer: Closed with explanation