vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over XXXX times no one replies back via mail, email or phone calls its been over 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 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a complaint with this company and would like it reviewed as I feel that they retaliated against me after I filed a complaint. My initial complaint was because of Victoria secret issuing 2 late payments due to their system error and applying a {$2.00} late fee without notifying me. After almost a year they have fixed this issue and in the middle of me filing a consumer complaint they closed my store card causing my credit score to drop XXXX XXXX. Their late payments have already affected me personally and financially now this major drop with my credit score is where I draw the line. I called and asked them why my card was closed they advised me it was due to fraud. I have never placed any fraud alerts on my account I have only frozen my credit score to prevent companies like them for causing unnecessary damage to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX ) reported my account as late unlawful XXXX ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}? 
XXXX ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called Well Fargo dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by Wells Fargo that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within XXXX XXXX of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as XXXX XXXX late by Wells Fargo because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that XXXX ) my due date would be adjusted and XXXX ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note Wells Fargo confirmed that they do not report to the bureau for late fees. Also, phone conversations with Wells Fargo note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with Wells Fargo XXXXXXXX XXXX  I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, Wells Fargo XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request XXXX They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.

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 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX No Data XXXX BANK DELAWARE XXXX XXXX XXXX XXXX No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also been affected nay covid 19 and the Cares act and FCRA state that creditors may not report adverse information during these times.

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 2022-12-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account # XXXX Auto Loan taken ut by XXXX XXXX XXXX Not XXXX XXXX, Should not show on my personal Account, Its paid by XXXX XXXX XXXX and not XXXX XXXX and the information is not correct and adversly affecting me

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 2022-12-21 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: GA

Complaint narrative:
Contacted Credit Agency Equifax multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and refusal to add/update account with extended fraud alert and consumer statement, incorrect late payments, reporting late payments on charged off accounts, credit denial due to lack of access to credit file after credit file unlocked, failure to send investigation results for disputes on XX/XX/2022 ( XXXX and XXXX ) etc. latest contact XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Army and Air Force Exchange Service
State: OR

Complaint narrative:
XX/XX/XXXX. I AM NOT XXXX. FIX IT NOW

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2016, I received a sum of money from my recently deceased grandmother as an inheritance following her passing. The money was a total sum of {$20000.00}. I desperately needed this money, as I had been suffering immensely due to a lack of work and medical expenses. Due to the lack of work, I had fallen approximately XXXX to 3 months behind on some of my bills, including a credit card and XXXX line of credit through Wells Fargo. I planned to catch up on these payments once I deposited the check into my Wells Fargo checking account, which was located at XXXX XXXX XXXX XXXX in XXXX XXXX, California. However, just 4 days after depositing this check on XX/XX/2016, an unauthorized withdrawal of {$8700.00} was debited from my account. There was no prior notice of any kind. 

Upon depositing the check on XXXX the XXXX, I asked the bank teller if it was possible for Wells Fargo to automatically debit this or any money from my checking account to pay for the payments I had fallen behind on. She informed me incorrectly that Wells Fargo did not have authority to take such action without my consent. Approximately XXXX month later on XXXX the XXXX, there was a follow-up deduction of {$1200.00}. At this point, my life had fallen into shambles, and all the money that I had left in this or any bank account was {$1000.00}. I needed this money to catch up on bills, purchase a vehicle, and pay for medical expenses. All of this was taken from me at behest of Wells Fargo. They had blatant disregard for my wellbeing, and in my opinion, stole from me, and left my life in ruins.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over 10 times no one replies back via mail, email or phone calls its been over 6months.

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 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This company has repeatedly called My Son, and giving him my personal information about a debt that they are saying that I owed. I do not even live in the state anymore, and they refused to try to make a payment plan threatened to sue me sees my property to garnish my wages and hung up on me XXXX times when I asked to speak to a supervisor. They suggested that I paid the bill in full today when I asked him to make a payment plan because I was not working due to Covid. The supervisor supposedly got on the phone and then told me I should just file bankruptcy instead of making a payment plan with me. I told him that I was going to call the FTC because they were threatening me they hung up on Me and they threaten my personal property. Please shut these people down.

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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX XXXX reporting agencies XXXX XXXX XXXX 

This item in specific detail retailer installment account last four # XXXX at XXXX XXXX XXXX XXXX is not delinquent and is inaccurate because pursuant to " Cal.Civ. Code sec 1810.4 '' ( " The finance charge shall include all charges incident to investigating and making the retail installment account. No fee, expense, delinquency, collection, or other charge whatsoever shall be taken, received, reserved, or contracted by the seller or holder of a retail installment account except as provided in this section. '' ) Also according to " Cal Civ Code Sec 1788.10 '' ( " No debt collector shall collect or attempt to collect a consumer debt by means of the following conduct : ( a ) The use, or threat of use, of XXXX XXXX or XXXX or any criminal means to cause harm to the person, or the reputation, or the property of any person ; ( b ) The threat that the failure to pay a consumer debt will result in an accusation that the debtor has committed a crime where such accusation, if made, would be false ; ( c ) The communication of, or threat to communicate to any person the fact that a debtor has engaged in conduct, other than the failure to pay a consumer debt, which the debt collector knows or has reason to believe will defame the debtor ; ( d ) The threat to the debtor to sell or assign to another person the obligation of the debtor to pay a consumer debt, with an accompanying false representation that the result of such sale or assignment would be that the debtor would lose any defense to the consumer debt ; ( e ) The threat to any person that nonpayment of the consumer debt may result in the arrest of the debtor or the seizure, garnishment, attachment or sale of any property or the garnishment or attachment of wages of the debtor, unless such action is in fact contemplated by the debt collector and permitted by the law ; or ( f ) The threat to take any action against the debtor which is prohibited by this title. '' ) I am requesting that XXXX XXXX have the delinquencies removed and account updated in accordance with Cal Civ Code sec 1810.4 and sec 1788.10. 



Attached are copies/exhibits of documentary evidence with description, supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them correct the disputed item as soon as possible.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I called XXXX yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that XXXX wasnt report my score to them, they havent update my XXXX score to the company. So when I called XXXX fax they give me a XXXX  XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. Based on 15 U.S Code 1681bXXXX Permissible purposes of consumer ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following and no other : ( XXXX ) In accordance with the written instruction of the consumer to whom it relates. I NEVER GAVE ANY CONSUMER REPORTING AGENCY PERMISSION WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER FILE WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER NO CONSENT IS IDENTITY THEFT. IM DEMANDING THESE BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to contact Hyundai Motor Finance on at least 5 occasions, to only be hung up on at least 4 of those times by the agent. On the final attempt I was able to escalate my issue with a manager/supervisor to hear my issue, see below : I leased my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was a XXXX  month lease, set to end XX/XX/XXXX. When going through the lease process, I was informed that I would be making my payments for 36 months, with my final payment being due XX/XX/XXXX, and returning the vehicle XXXX of XXXX. 

XXXX hit my family hard financially at the beginning of XXXX. I reached out to Hyundai Motor Finance to request a deferment of payments. XXXX agreed to defer my payments for both XXXX and XXXX of XXXX. It was explained to me that they would be adding 2 months to my lease term, to allow me to make up the XXXX missed payments from XXXX. I agreed. My original term was set to expire in XX/XX/XXXX, was now extended to XXXX of XXXX. To be clear, I was informed I would be using the XXXX extra months to pay my deferred amount, not take on an additional XXXX  months worth of monthly payments as well. 

I made a payment in XX/XX/XXXX, assuming this was to cover XXXX deferred payment from XXXX, and XXXX would be the XXXX payment. I made a single payment in XX/XX/XXXX. I received a bill in XX/XX/XXXX that indicated I owed a XXXX payment and also the XXXX deferred months from XXXX, totaling over {$1300.00}. 

I was made aware that my XXXX deferred payments would be a replacement of the XXXX extended months, not in additional to the XXXX extended months. Based off XXXX 's math, I am now payment XXXX  months of payments on a XXXX  month lease. 

In speaking with a manager today, they explained my thought process doesn't make sense and it doesn't matter what I was told over the phone, that this information was included in my letter that I received. I asked for a copy of this letter via email, to which I was told an email takes XXXX  days. I asked for their manager as I needed this right away since my payment is due XX/XX/XXXX. The supervisor I was speaking with said there is no one else to speak with and I need to wait the XXXX days for the email. I advised this is unacceptable since my payment is due in XXXX week and need the supervisor or manager to walk me through the letter to better understand. The supervisor refused and indicated there's nothing she can do about 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 explanation