vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: NY

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

XXXX ) XXXX XXXX XXXX account number # XXXX has violated my rights. 
XXXX ) XXXX Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX account number # XXXX XXXX ) XXXX  account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX  Account # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX 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 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 2023-02-01 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: NY

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I fill that they overcharged me in high interest and fees

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 2023-02-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
For several months, I have repeatedly asked Equifax Information Services XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXXXXXX XXXX XXXXXXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: CA

Complaint narrative:
Wells Fargo charged me multiple overdraft instead of 1 overdraft. 

Example : when auto payment for my car note of {$500.00} went through and caused my bank acct to be negative, instead of charge {$35.00} overdraft fee for that car note transaction, Wells Fargo charged me {$35.00} for each for other items that when I made the purchases my account wasnt negative.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was pre-approved in the store for an Ulta card. I received a letter within two weeks saying I did not qualify for the card and never received a card. I just received a letter informing me due to lack of inactivity on the card my account is closed. I shouldn't have an credit card account if I didn't qualify for said card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF THE WEST
State: MN

Complaint narrative:
I was sent a credit card from Bank of the West. 
It is supposed to have 3 % cash back and a XXXX dollar bonus if i use XXXX in 90 days I am unable to get or even see any of these benefits because they wont let me open an " online account '' to manage my credit card several days of trying and hours with there customer service on the phone gets me the answer that " my account needs to be verified. They will let me know when that happens '' along with long hold times and switching reps to start over with and being hung up on. 

Since the credit card already works, I can not imagine what it is that needs to be " verified '' neither does anyone at the company that I can speak to on the phone.

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 2023-02-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX XXXX tried to contact the company on Equifax reporting agency Account # XXXX {$540.00} XXXX XXXX .I have not ever got anyone to answer my call nor call me back but XXXX and XXXX has erased the account because nothing shows the account is correct. thanks for looking at my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation
State: MO

Complaint narrative:
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. 

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. 



Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I've filed a complaint with Experian regarding XXXX XXXX XXXX, Account # XXXX and Account # XXXX. I've reported inaccuracies on the accounts and asked it to be deleted. I have been noticing that lately, instead of following the 15 U.S. Code 1681b that estates that the Credit Bureaus need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy, they have been ignoring our requests and just updating information instead of deleting as the law requires to. 15 U.S. Code 1681a ( 2 ) ( a ) ( i )- is very specific in regards to the exclusion sections ; 15 U.S. Code 1681b is very specific in regards to fairness, impartiality and respect to privacy, and 15 U.S. Code 1681 Section 604A Section 2 also estates a consumer reporting agency can not furnish an account without my written instructions. 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 promptly delete that item of information of the consumer. It is illegal to retain or report inaccurate, misleading, or unproven information, especially considering a composed consumer complaint notifying Experian of said issues. As requested previously, I need both accounts deleted from my credit report. I expect it to be done immediately because this is infringing my rights accordingly to the Fair Credit Reporting Act. If they are unable to do so, they must provide me who validated the information, how the validation occurred, and please provide me with physical verification of the validation as the law requires if you are choosing to keep the information on file. I have also requested the names, addresses and telephone numbers of individuals Experian contacted during the investigation. Otherwise, anyone paying for the reporting services could just fax, mail or email in a fraudulent account. Experian should also provide IRS Form 609 signed, that gives the authorization to verify my SSN. If any documents or contracts can not be provided they shall be considered identity theft. 18 U.S. Code 1028 deals with fraud and related activities in connection with identification documents, authentication features and information.

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 2023-02-01 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: CORELOGIC INC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Repeatedly called XXXX even XXXX times a day and within minutes. Hangs up when answered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

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 2023-02-01 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: MS

Complaint narrative:
For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

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 2023-02-01 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: TX

Complaint narrative:
Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website ( SEE ATTACHED SCREENSHOTS ) I found that Experian and several of these " creditors '', are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the bureau to the Texas State Treasury Violation Department. I have been notified that the illegally operating consumer bureau must delete the false information from my file or receive legal reciprocation. 

The following must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
Between 2011 and present, I was charged high overdraft fees by Wells Fargo.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a checking account with Fifth Third Bank since XXXX of XXXX. 
Starting XXXX of XXXX, they started charging me a monthly service fee unknowingly and they are trying to justify it using a long disclosure that contains a lot of information. 

Since, I have been a customer for a long time, I was expecting a reminder from them before they start charging me. In my estimation, they took advantage of me not being aware to charge some fees that they can't otherwise justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I co-signed a loan for my son on or about XXXX, XXXX. I believe the amount was for {$16000.00}. XXXX last contacted me in writing on XX/XX/XXXX. It was dealing with XXXX, not payment of the loan. The last phone call from XXXX to me was on XX/XX/XXXX and indicated no co-payment was due at that time. 

Recently, without contacting me first to discuss the loan, XXXX reported to the credit agencies that I was in default on the loan, which was not true.My credit went from good to fair. We intend to move to a new apartment, but the reduction of my credit rating has stalled our move. 

XXXX MUST IMMEDIATELY REMOVE THE FALSE CREDIT ALLEGATIONS FROM THE CREDIT BUREAUS ' REPORTS. THEY HAVE LIBELED MY CREDIT AND CAUSED ME DAMAGE. 

Further, this loan is now terminated by the California XXXX XXXX XXXX, which is four years. XXXX has filed no lawsuit on the loan for more than four years after the last payment on the loan was made, and the loan is no longer enforceable. XXXX NEEDS TO IMMEDIATELY TERMINATE THE LOAN. 

Please call me if additional information is needed. Thank you for the help.

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 2023-02-01 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: MI

Complaint narrative:
In XX/XX/2022, I purchased a home and Settled the transaction with XXXX XXXX. XXXX XXXX XXXXXXXX Due to timing constraints with sending a wire transfer for closing, I sent them a more money than what was actually due to close just in case. This is common practice, and XXXX XXXX sent a refund check back to me via US mail. I have USPS Informed Delivery and no mail from XXXX XXXX ever hit my mailbox. 

I did not receive the check back from XXXX XXXX, and later when I inquired with XXXX XXXX about it, they told me the check had already been cashed. It was not cashed by me, i asked them for a copy of the cancelled check, and it was not my signature. Further, it was cashed via mobile deposit with Bank of America, but that is as far as they could see. They were unable to issue a new check to me until the bank finished the investigation into the XXXX. 

XXXX XXXX 's bank is XXXX XXXX Bank, they filed a report with BofA about the fraudulently cashed check, and this 'investigation ' has supposedly been ongoing since XXXX, going on 6 months now. No status updates have been provided by either bank, I am still owed {$3500.00} and nobody will give me any information.

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