vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an auto loan with Wells Fargo Dealer Services, who have been sending me refunds since XX/XX/XXXX. My vehicle ended up being repossessed and I am just now searching and seeing that there have been lawsuits and damages. I just spoke with someone at Wells Fargo who gave me the amounts and dates of the checks that they have sent me but would not tell me how the amounts were calculated ( calling it 'proprietary information ' ) and would not send me anything in writing ( either email or regular mail ) the repossession of the vehicle and resulting damage to my credit, etc. caused me a tremendous amount of harm when it happened and I am now looking into if I am eligible for any additional compensation provided under the settlements or through separate legal action ( or the CFPB ). So far Wells Fargo has sent me checks amounting to about {$1000.00} ( individual check amounts ranging from $ XXXX {$630.00}, the most recent was {$7.00} and was just issued on XX/XX/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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Toyota motor credit did not respect the gap warranty when I got into an accident. They charge insurance more then what I owed at the time leave me with hardly any money. They never respect the service of there oil change I got oil changed they said I would get oil changes until XXXX miles and that didnt happen they cut service before time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has hard inquiries that I never authorized to appear on my report and Im unsure how did they got listed on my credit report. I want the following hard inquiries to go away immediately as I never hold these credit cards or never have given any authorization for them to put anything of this type of my credit. 
I would like to know how you verified the following information listed below when it is clearly inaccurate : Did you call the original furnisher or just look at the information in your database? 

Can you delete this ASAP and send me and update. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/203 I drafted a letter to TranUnion outlining multiple accounts on my consumer report that are negatively affecting my credit rating. According to the Fair Credit Reporting Act, these mistake-filled accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I requested that Transunion correct my personal information ( current and previous address ) as well as reinvestigate these accounts : XXXX : XXXX, {$6400.00}, XXXX : XXXX {$610.00}. However, they stated that they dont believe that I wrote the letter that I submitted to them. This is ridiculous, and I am highly offended that they dont believe Im capable of drafting and submitting my only letter to them. I am a self-taught student of my consumer rights and I reserve the right to draft my own letters to express my rights if they feel I am capable of doing so or not. I drafted and submitted my own letter to their agency and did not hire a third-party firm, as they have alluded to. As a result, they are refusing to investigate the accounts that I highlighted in my own personal letter to them, which is completely unacceptable. 

In addition to this, none of the detailed information found in the accounts listed in my letter agree harmoniously across all three bureaus due to inaccuracy, inconsistency, or incompleteness, as they should according to the FCRA, XXXX, and Metro2 compliance standards. According to 15 USC 1681i ( 5 ), they are supposed to delete or modify accounts that aren't reporting correctly. 

15 USC 1681, Section 602 ( a ), states I have the right to privacy. 

15 USC 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my express, written instructions, which I have not given. 

15 USC 1681, Section 605 ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681 s-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. 

In addition to the above violations, TransUnion is not in compliance with its own Metro2 credit reporting standard and has violated my rights many times over in each account. I will attach proof of this in this complaint.

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 2023-11-28 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: DISCOVER BANK
State: CA

Complaint narrative:
I was a victim of XXXX data breach and would like all negative accounts removed and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of Equifax data breach and would like all negative accounts removed and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account or inquiry report without written instructions.

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-11-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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:
On my and my husbands credit there appears a mortgage loan from a bank called XXXX XXXX  for {$510000.00}. I contested it on Experian and it has come back as an active/open account. I have then called Experian and contested it, and they tell me to call XXXX XXXX. I have called XXXXXXXX XXXX and they tell me to call Experian. All to no avail. 

I have now spoken to XXXX XXXX since XX/XX/XXXX so many times I have lost track. They agree whatever business of ours crossed their path ( likely a refinance loan that was sold to them and then re-sold by them to our current mortgage holder XXXXXXXX XXXX ) was concluded in XXXX, XXXX, and we dont have any loans with them, but when Experian pings them to re-certify the account when I deny it, XXXX XXXX team that communicates with Experian always re-certifies that the loan is active and open with them. 

Can you be of any help to resolve this issue? It is so frustrating how nobody is able to help and the majority of the customer service reps at XXXXXXXX XXXX are quite patronizing, but not helpful. Mind you I have no documentation from XXXX XXXX  because I have NEVER done ANY business with 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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: OR

Complaint narrative:
I owed $ XXXX on my Discover Card. I got an offer from XXXX including balance transfer 0 % for 12 months and I opened the account. XXXX immediately showed that I owed them {$2300.00} and I got a physical mail saying that that was the highest amount they could transfer, but it did not show up on Discover for a week. I complained to XXXX that the debt was showing on both credit cards. They pulled the money back fto Discover and now this {$2300.00} shows as debt on both cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-11-28 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2023 I submitted a dispute against Wyndham XXXX XXXX for XXXX to my Barclays wyndham card. On XX/XX/2023 I received a letter saying the dispute was closed. Their reason : they never received documents from me. I never received any type of communication regarding them needing any further documents. Nor to date I still have no knowledge of what they were or are requesting. They have refused to reopen the case. They have refused to send me a letter letting me know what they need. I believe they have no intention on investigating my dispute with the company because they are both Wyndham.

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 2023-11-28 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) threatened to sue me for a very old debt. So signed an agreement to pay old debt, I believe in XXXX. Monthly payments were taken out of XXXX  account up and until XX/XX/XXXX. Not sure why they stopped, we tried to contact them once we noticed payments had stopped coming out. Never heard back. 
Now XXXX almost 5 years, they have sent me a letter stating that I need to appear for an oral deposition on XX/XX/XXXX. 
They have basically requested all of my 1099s, Tax returns, pay stubs, leases, vehichle titles, stock certs, trusts of which I am beneficiary and bank statements. 
I don't have the original contract signed and they are not willing to provide me with a copy. Nor will they tell me when this contract was originally signed. They are refusing to provide me with any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certegy Holdings, LLC
State: IN

Complaint narrative:
I have diligently attempted to contact the company on no fewer than 25 occasions over recent months. Unfortunately, my efforts to cash checks are continuously thwarted due to my identification being erroneously flagged as fraudulent. My current state of homelessness presents additional challenges, notably the difficulty in maintaining a consistent mailing address to receive correspondence. The absence of live telephone support and the company 's lack of response to faxed inquiries further complicate the matter. Moreover, I have persistently reached out through numerous written communications, yet to no avail. 

Alarmingly, it has come to my attention that multiple organizations have wrongly blacklisted me within a system that advises against providing me with any form of assistance. This constitutes not only a fraudulent misrepresentation of my identity but also bears the hallmarks of inaccurate reporting and discrimination. Despite my proactive and exhaustive endeavors to rectify the situation by all available means, the company remains uncooperative in addressing and resolving these critical issues. 

I have been denied of housing, check cashing, employment, etc sue to this false reporting and no response.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.

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