vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I requested National Credit Adjusters validate the debt. I was sent a promissory note and billing statement. The promissory note did not contain my signature and the billing statement is from the original creditor XXXX XXXX. I do not have an account with National Credit Adjusters which is why they can not provide an accounting ledger with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Northwest Acceptance Corp. Inc.
State: CO

Complaint narrative:
My partner and I have been called everyday ( calls both of us one after the other ) for XXXX weeks though we have spoken to them about accounts being locked and have made a payment, our lender keeps calling and claiming that she will repossess our vehicle and at this point it is harassment because she calls multiple times and is rather rude to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: NJ

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 Account Number : XXXX - {$2000.00} - XXXX  Account Name : XXXX Account Number : XXXX - {$0.00} - XXXX Account name : XXXX XXXX Account number : XXXX - {$0.00} - XXXX Account name : XXXX  XXXX Account number : XXXX - {$5100.00} - all3 ============================ Unauthorized inquiries : XXXX XX/XX/2023 Equifax XXXX XXXX XXXX Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding their decision to cancel my repayment card option, which has had a detrimental impact on my credit score. This matter is of grave concern to me, and I seek your assistance in addressing it. 

I have been a dedicated Wells Fargo customer for an extended period, relying on the convenience and reliability of the repayment card to manage my financial obligations efficiently. However, without any prior notice, Wells Fargo abruptly terminated this vital service. As a result, my credit score has suffered significantly, leading to various financial hardships. 

I have attempted to resolve this issue directly with Wells Fargo, but my efforts have been met with inadequate responses and delays. I believe that this situation warrants your intervention to ensure that my concerns are addressed appropriately. 

I kindly request that the CFPB investigates this matter thoroughly and takes necessary actions to rectify the situation. Wells Fargo should be held accountable for the adverse consequences this decision has had on my financial well-being. 

I have attached supporting documentation, including records of my attempts to resolve this matter with Wells Fargo. Please do not hesitate to contact me if any further information is required. 

I appreciate your prompt attention to this complaint and look forward to a resolution that restores my financial stability and holds Wells Fargo accountable for their actions. 

Sincerely, 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 2023-09-12 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX have 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 : 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 ) : States 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 the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).

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 2023-09-12 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: Experian Information Solutions Inc.
State: SC

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 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX have 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 : 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 ) : States 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 the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).

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 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I was approved for a loan in XXXX  and initially paid {$3000.00} up front, which was never applied to my account. Since then have been making payments monthly of {$370.00}. I have an overdue balance that is incorrect and I have contacted Ally financial bank to request a payoff amount. I was told to call and since then I have been blacklisted. Agents will not assist me after looking up my account information, if I am able to get someone 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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have received 2 scam emails XX/XX/XXXX  and XX/XX/XXXX  with a PayPal receipt that says my Debit card has been charged {$1000.00} and {$3500.00}. The emails are from XXXX and XXXX. the Companies have been listed as " XXXX XXXX '' and " XXXX XXXX. '' I am not a member of Pay Pal, and fortunately there have been no charges to my accounts-yet. Phone numbers provided are XXXX and XXXX. I just want these scams to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is blatantly denying the increase of my credit limit on one of the cards. I have held the card for more than six months now but Wells Fargo always declines my request to increase the credit limit.

The reasons given are very vague and are inconclusive. One of the reasons they state is to have money in their account which doesnt make sense because if doesnt pay any interest.

I have been a loyal customer of WF since 2019 but It is very frustrating to do business with WF The small credit limit restricts my purchasing power thereby tying my hands to make purchases.

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 2023-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage loan ( XXXX XXXX XXXX ) was resold to another company ( XXXX XXXX. My mortgage payment is taken out on the XXXX of the month from autopay, and I was charged a second time from an unauthorized payment on XX/XX/XXXX equal to my monthly mortgage payment. 

The customer service rep I spoke to on the phone, said this has happened to a lot of people and my refund is already in progress. Yet, further along the phone conversation, she mentioned she would 'begin ' the refund process, which indicates there was no refund in progress and was a statement intended to keep the peace. I recorded the conversation if it would be needed for record. 

XXXX XXXX was fined {$25.00} XXXX in XX/XX/XXXX for this exact scenario by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XX/XX/XXXX  I have XXXX new inquiries that I did not authorized and never was shown my report to agree on this.

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 2023-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Bank {$2000.00} loan ; Opened XX/XX/XXXX ; Term 36 months Closed on XX/XX/XXXX I reported this as identity theft to the FTC on XX/XX/XXXX as I realized that my information was compromised on the dark/deep web ; and this account wrongfully, unethically opened without my consent.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX account # 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 an account without my written instruction. XXXX XXXX XXXX, XXXX XXXXXXXX {$0.00}, XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: MI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I applied for assistance to bring account current we were approved paid XXXX they are asking for higher payments to start XXXX I can't afford more than {$1000.00}. I've asked why? When escrows are evaluated payments began in XXXX XXXX  XXXX XXXX 2024 I requested changes in writing none provided only phone calls attempting to intimidate scare me I am XXXX XXXX XXXX not well nervous after a DISASTER HURRICANE AFFECTED us Carrington damaged our credit making refinancing with other impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: NC

Complaint narrative:
Deposited check. Money being withheld from me for no reason. With another check coming up I dont want more of my money being stolen from me. Cashapp and XXXX XXXX  are thieves. Investigate them thoroughly. Who knows how many people are being stolen from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX account # 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 an account without my written instruction. XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, XXXX is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately. 

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by XXXX and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. 

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: MI

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 XXXX  : # XXXX, XXXX  XXXX : # 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 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