vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: NV

Complaint narrative:
My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my XXXX report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my XXXX report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my Experian credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX  XXXX XXXX on my credit report. On my XXXX report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX. On my Experian report it says the last payment was made 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 non-monetary relief
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion is failing consumers

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 2022-06-07 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: GA

Complaint narrative:
Per Experian 's latest response to complaint # XXXX, Experian reported that XXXX XXXX  is currently the mortgagee of the loan account in concern. XXXX XXXX  responded in a phone call that it purchased the loan [ in question ] on XX/XX/2004, although it did not become the mortgagee. Neither XXXX XXXX or the credit union will provide me written details on the sale of my note and loan to XXXX XXXX  The credit union provided a written statement confirming only that the loan was sold to XXXX XXXX. The credit union, thus far, has refused to sign the letter it sent to me. It appears, then, that the credit bureaus ended their investigations on a false premise about XXXX XXXX XXXX current role. What law [ under Georgia laws ] gives the initial mortgage lender ( or any servicer ) the right to : 1 ) dishonor and ignore my request for it to discontinue reporting monthly billing amounts [ regarding the old/outdated loan that has not been updated to show a current [ legal ] mortgagee ] ; 2 ) continue to report the false [ fraudulent ] loan information on the flood certificates ; and, 3 ) refuse to correct false information about the current loan status? Based on my understanding, Experian must provide a resolution that is compliant with all relevant laws, especially Georgia laws, that are specific to the situation currently at hand.

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 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
According to the Fair Credit Reporting Acts 15 U.S.C. 1681 SECTION 602A AND 15 U.S.C. 1681 SECTION 604A SECTION 2, my rights have continually been violated by Capital One, Dept Of EducationXXXX XXXX XXXXXXXX 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States 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 not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Capital One Auto Finance requesting that they delete 5 inquiries on my credit reports considering that I did not authorize anyone employed at Capital One Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Capital One Auto Finance bearing my signature. These are the 5 inquiries : Capital One Auto Finance- XX/XX/XXXX Capital One Auto FinanceXXXX XXXX, XXXX Capital One Auto Finance-XXXX XXXX, XXXX Capital One Auto FinanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please remove these 5 inquiries on all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my account on XX/XX/XXXX and scheduled for it to be closed on XX/XX/XXXX. Today after they continually did not notify me of anything they stated the deposit account will now be closed on XX/XX/XXXX They are holding my deposit account hostage, THIS IS A NOTICE TO CLOSE THE ACCOUNT ENDING IN XXXX 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 2022-06-07 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: KS

Complaint narrative:
Experian is failing consumers

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 2022-06-07 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: Siggi LLC
State: KS

Complaint narrative:
XXXX is failing consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX 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 2022-06-07 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
There is a charge off account from wells fargo on my credit report. The charge off account is Legally paid in full for less than the full balance back in XXXX of XXXX. The account number is XXXX. I've sent multiple notarized letters that wells fargo has received on XXXX XXXX, XXXX XXXX, and on XX/XX/XXXX XXXX. I've also spoken to customer service reps in different departments as well, such as Executive office, recovery & Credit Dispute. Wells Fargo has been furnishing inaccurate and incorrect information to the consumer reporting agencies. They are in violation of the LAW 15 U.S. CODE 1681 S-2. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CarMax, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Carmax Auto Finance requesting that they delete inquiries on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at Carmax Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to XXXX XXXX XXXX XXXX bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I sent written correspondence via Certified U.S. mail to Comenity Capita/XXXX requesting that they delete 1 inquiry on my credit reports dated XX/XX/2021, considering that I did not authorize anyone employed at Comenity Capital/XXXX  to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Comenity CapitalXXXX bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: VA

Complaint narrative:
ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 fumish a account without my written nstructions

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2022 I used the service of XXXX XXXX to send money to family. The company gave me the option to draw directly from my savings or use a credit card or pay cash in a facility. I chose the credit card because XXXX XXXX offered a promo code to reduce their fee. Today when I paid my monthly credit card bill I noticed that my outstanding balance was higher than I anticipated. I called and was told that my XXXX XXXX transaction was classified as a cash advance. Bank of America had assessed a cash advance fee of {$43.00}. In addition interest accrued to over {$16.00} would be charged on my next statement. I immediately paid off the XXXX XXXX balance and requested that the fees be adjusted explaining that this was a service which I paid for using my card as a convenience. Not a cash advance. The representative refused. I closed my account. But I feel it is not fair to still have these fees pending. It is not made clear that this service is considered a cash advance. I pay my card off every month. I had multiple options to pay. I feel the charges are excessive and deceitfully charged

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 2022-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
This loan was purchased by aidvantage from XXXX, not only is the information in their system completely wrong, but these loans were in an income based repayment plan that would have the remainder discharged after making a set number of on time payments every single month for YEARS. Now that this company has the loans they have changed it to a graduated repayment plan and can not provide ANY documentation on this change. This was not authorized, or known to me. They changed the repayment plan and can not show me proof of my enrollment in this program.These loans also were to be discharged per the XXXX  lawsuit, as they met all criteria but now Aidvantage bought them? As well, there was absolutely no accommodations made for my time in XXXX XXXX or while XXXX. The loans ( for some reason they are split into 3 ) continued to accrue interest while i was XXXX, and even reported late month after month while i was XXXX  in a XXXX XXXX. The balance they are reporting is several thousands of dollars higher than the balance actually is, and continues to increase despite monthly payments being made. 
The plan i have had my loans on for years would have qualified my loans for discharge under the latest biden administration act, but now that aidvantage has taken it upon themselves to alter my payment plans they no longer qualify for discharge BECAUSE OF THIS. 
We have had to retain an attorney because we have gotten nowhere with this company. 2 hours on the phone yesterday with a representative that had no idea how to answer the most basic of questions, and then hung up on when i was being " transferred '' to the military department. My information is wrong in their accounts, my name is wrong, the balance is wrong, the payment history is wrong, the payment terms are wrong, and there is nobody to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-06-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone opened an account under my name and social security number. The date on the statement is XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had us bank credit card issue a check for {$8800.00} for a balance transfer from Barclays Card Service. XXXX XXXX XXXX XXXX, PA XXXX I originally had a Barclays card but my account was sold to XXXX XXXX XXXX. 
This balance transfer was made by XXXX XXXX. 
I thought Barclays and XXXX were under the same umbrella. I thought this because I was told that and Barclays would send to XXXX XXXX. I have attached the check copy front and back to show Barclays received and cashed the check.

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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
I made 4 purchases with my debit card from Bank of texas, on XXXX. 
The merchant never sent the items to my address and never provided any tracking number or more information about the delivery. 
So I opened a charge back request with my bank on XX/XX/XXXX under the claim number, XXXX. I was reqeusted to send the order receipt showing that the goods must be sent by XXXX, and also a letter explaining the situation. 
After a couple of days later I got a letter saying that they cant proceed with the charge back request because was a face to face transaction, but that doesnt matter for chargeback requests. 
I called again to open the chargeback and they denied for second time, even they didnt reach XXXX for the case.

Company response to consumer: Closed with explanation