vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters to Experian letting them know that they were reporting false information onn my credit report and they refused to delete the items in violation of the FCRA and in violation of requisite XXXX Compliant reporting standards. They are listing collection accounts as being open and also a Past due balance. 

According to the FCRA I have a right to a completly accurate credit report and are required to remove any information that is not true, verifiable and accurate. The following accounts are being illegally reported : XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # 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 2022-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Vehicle purchased XX/XX/XXXX from XXXX XXXXXXXX XXXX XXXXXXXX. Mileage recorded at XXXX per purchase agreement and XXXX. Suddenly, on XX/XX/XXXX XXXX XXXX in XXXX reported the vehicle serviced at XXXX miles. This was not done by me, the recorded owner. As reported in my next inspection in XXXX of XXXX, the mileage was XXXX. The discrepancy between the time of my purchase and the time of my last inspection as recorded by XXXX is negatively impacting my ability to trade in my vehicle at the true mileage. It appears based on the XXXX  that I have tampered with the mileage when in fact this is not true. I have copies of the XXXX at the time of acquisition if needed.

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 2022-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Discrimination due to denial of my own credit offered in good faith to receive a vehicle. 
Please see attachment below

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 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has selectively acted in bad faith with me. First, Synchrony Bank closes my Care Credit when I had paid the total balance to zero. I made all the payments on time. XXXX, I applied for Sam 's Club Credit card and Synchrony Bank issued me a Sam 's Club Master Card for {$2500.00}, when my credit score was the lowest due to XXXX XXXX XXXX in 2019 illegally, 3 months later they restored my payments and benefits for myself as my son as his caregiver. This was at a time when my credit score was XXXX. I don't know how to explain to them that It's not something I did or am doing. Then they give me a story that I have to many inquiries or that I didn't ' pay on time, but it's not true! Just today I get an email Synchrony saying Thank you for your dispute. But when I logged onto my account, to my shock and disbelief Synchrony once again reduced my limit from {$760.00} to {$250.00}, without any valid reasons. The thing is that my checking account 's number change to a different number due to fraud. So then XXXX XXXX  servicer when I pay with my new bank account, the payments get returned even though my bank account is valid, it's just a new number, same bank. I've explained to them, but it does not matter, since their dictatorship says that I have a bad score, but don't verify with me the validity. And next month my credit score is going to be fixed because so many without my authorization keep inquiring the credit bureaus. In other words, Synchrony is acting as it's own jury and judge without due process nor notifying me if what they reviewed is true, but it's not. I do have a XXXX XXXX XXXX by Synchrony that I've had for over 20 years, but fortunately, Synchrony leaves it alone and my credit limit is {$4000.00}. So, they discriminate against me, picking and choosing what credit to approve and which XXXX Synchrony don't scrutinize. Therefore, I beg Synchrony not to hurt me this way, I'm still the same person that I was when my score was XXXX. I plead to Synchrony to be fair for my best interest not for some records that contain a great deal of misinformation. I think the length of time I have been making payments on time should suffice. Please Synchrony, I changed a bank account number only, and I'm not the one that returned the payments. It's just that XXXX has not done it's job. Please help me. Thank you, so very much and XXXX XXXX XXXX. Please make my 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 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 US CODE 6801, 18 US CODE 1028, TransUnion breached, consumers ' financial information exposed 2022.

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 2022-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grain Technology, Inc.
State: MO

Complaint narrative:
Grain Technology located at XXXX XXXX XXXX XXXX XXXX XXXX, CA has reported a delinquent account and a new charge-off that has been furnished on my consumer report. Pursuant to 15 USC 1681a ( 2 ) a consumer report does not include any report containing information solely as to XXXX  or XXXX  between the consumer and the person making the report. Grain Technology is in violation of this constitutional rule by reporting the aforementioned allegations against me, thus leaving my consumer report vulnerable to negative adverse actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: OR

Complaint narrative:
The best way to make a point to the best of all the Wells Fargo account for the last 5 months of this year and I have to say that it took me a bit to find a problem with the bank account wasn't enough money to pay and then Wells Fargo had to go and pay for the bill and they had charged me for overdraft and they had been paid by me and I was charged for it by the time I got it XXXX I am on fixed in

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 2022-12-31 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have not received a statement ( either via email or mail ) from Comenity Capital Bank XXXX XXXX XXXX since they became my credit card servicing company sometime around XXXX or XXXX ( formerly XXXX ). 

I have attached a screenshot of their portal which was taken on XXXX XXXX. showing no statements are available. Despite this - the company has continued to post finance and late fees, which is illegal. The only information I've received from the company is " they've forwarded it to the right department '' and as of today there are still no statements available and fees are still showing on the account. 

The reason I want to see the statements in detail is because their online portal shows I owe a balance but my bank is showing that the check to cover the previous month statement was cashed and there is no activity ( as we stopped using this card due to the numerous problems we've had ). So I have no idea if there is system is just broken, there is some charge they are claiming was made or if this is just outright fraud. 

Based on some quick research it seems a lot of people have had a similar issue with this bank ( especially those of us coming from the XXXX XXXX XXXX XXXX ). So I am sure there are many others who are being taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called to find out why my account was restricted only to find out that it was canceled. For no reason! I tried to pay with a different bank account and must have pressed a wrong number for the account number. The payment didn't go through... I ended up paying with the account I used to previously to pay. They canceled anyway XXXX accounts that never was even paid late. Will not recommend capital one to anyone! XXXX  capital one and XXXX capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: MI

Complaint narrative:
In accordance with the fair credit reporting act conversion account numbers have violated my rights.

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XX/XX/XXXX Account XXXX XXXX  ( {$390.00} ) XX/XX/XXXX Account XXXX XXXX XXXX XXXX ( {$220.00} ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
discrimination and violation due to using third party to seek decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: WA

Complaint narrative:
Refer back to claim XXXX After XXXX closed XXXX long standing account, they denied me another credit card based on lack of XXXX score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain XXXX credit cards, and use pay pal and other electronic paying methods to increase my XXXX score. 
Why does XXXX have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a XXXX XXXX. Why doesn't my XXXXhistory of paying all bills in full for years count? And not owing money. WHY DOES THE XXXX GOVERNMENT ALLOW THESE SHARKS TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my XXXX investment company and all income and bills, including electronically/auto pay of my XXXX credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX card. Which is electronically paid by XXXX XXXX XXXX. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even XXXX cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS XXXX AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of sharks and I hate it.

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 2022-12-31 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: WA

Complaint narrative:
Refer back to claim XXXX After XXXX closed my long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain 3 credit cards, and use XXXX XXXX and other electronic paying methods to increase my FICO score. 
Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE XXXX  TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my XXXX investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX XXXX. Which is electronically paid by my credit union. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even one cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of XXXX  and I hate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Violation due to using third party for decision and also discrimination

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
discrimination and also obtaining credit information to make decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX and Equifax is violating my rights and have been for allowing these collections to be reported to my credit files to these collections I do not know anything about other than how my rights have been violated in the collection efforts of these row accounts. 

And you all are allowing junk data to be reported to my credit files with these bogus collections accounts that have never been validated by me only more violations of the laws when XXXX XXXX XXXX sent me a collections letter XXXX months ago, XXXX years after they have been reporting derogatory furnishings to the credit reporting agencies. 

This is fraud and I am submitting my informaron for the FTC to investigate I have complained multiple times and this bogus collection account is not even suppose to be on my credit file because the idiots at XXXX XXXX XXXX for over XXXX years has posted these collections when they never notified my me by law of any debts they are alleging I owe and over XXXX plus disputes with the credit bureaus and close to XXXX with the CFPB, I still have not ever had any validation of these collections accounts Being reported to the credit bureaus and when they did send me something in the mail XXXX years later, this miserable document does not tell me any legible service that I was provided and I have never done business with this company called XXXX XXXX XXXX and I am filing fraud charges today with the FTC for identity theft collections being on my credit file. And XXXX going to sue everyone of you for violating my rights once the Department of Justice finishes their investigation of the unlawful actions by XXXX XXXX XXXX and the credit bureaus for violating the laws and my rights. Not once has anyone provided me legible information regarding these collections after XXXX years of unlawfully posting derogatory information that I have never agreed that owe or know anything about but you all have made me fight with overwhelming evidence that you all have broken the laws and still have not removed these accounts and I am filing fraud charges with the FTC today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: NC

Complaint narrative:
Experian and XXXX is violating my rights and have been for allowing these collections to be reported to my credit files to these collections I do not know anything about other than how my rights have been violated in the collection efforts of these row accounts. 

And you all are allowing junk data to be reported to my credit files with these bogus collections accounts that have never been validated by me only more violations of the laws when XXXX XXXX XXXX sent me a collections letter XXXX months ago, XXXX years after they have been reporting derogatory furnishings to the credit reporting agencies. 

This is fraud and I am submitting my informaron for the FTC to investigate I have complained multiple times and this bogus collection account is not even suppose to be on my credit file because the idiots at XXXX XXXX XXXX for over XXXX years has posted these collections when they never notified my me by law of any debts they are alleging I owe and over XXXX plus disputes with the credit bureaus and close to XXXX with the CFPB, I still have not ever had any validation of these collections accounts Being reported to the credit bureaus and when they did send me something in the mail XXXX years later, this miserable document does not tell me any legible service that I was provided and I have never done business with this company called XXXX XXXX XXXX and I am filing fraud charges today with the FTC for identity theft collections being on my credit file. And XXXX going to sue everyone of you for violating my rights once the Department of Justice finishes their investigation of the unlawful actions by XXXX XXXX XXXX and the credit bureaus for violating the laws and my rights. Not once has anyone provided me legible information regarding these collections after XXXX years of unlawfully posting derogatory information that I have never agreed that owe or know anything about but you all have made me fight with overwhelming evidence that you all have broken the laws and still have not removed these accounts and I am filing fraud charges with the FTC today.

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 2022-12-31 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: PA

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. 

Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : 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 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