vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX 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 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

I didn't give permission to these accounts to publish my information to XXXX, Experian and XXXX. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,

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 2022-07-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
2 hard regular Inquiries pulled on my report without my authorization. # 1 Barclays Bank Delaware on XX/XX/2022 # 2 XXXX on XX/XX/2022 for amounts unknown i obtained my report from XXXX reporting agency. reported these errors agent says I have to contact these companies to dispute these hard inquiries to obtain dos from them. or fill out FTC form for the same thing? I had to turn ON Fraud Alert and a Credit Freeze I dont have a account at either One of these companies!!

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 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
1. Capital One Financial, XXXX, {$6600.00} 2. XXXX XXXX XXXX, XXXX, XXXX According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
My account is reported as late from a few years back.

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 2022-07-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This complaint is against Synchrony Bank. I have mailed several correspondences to Synchrony bank over the past 18 months in regard to an account appearing on my credit profile as potentially negative. 

Synchrony Bank continues to report this unvalidated, inaccurate and incomplete account to my XXXX Credit profile. Synchrony Bank continues to request information from me in regard to this account. I do not have additional information other than what is being reported to my credit profile. Synchrony Bank also continues to ask me for my personal information including social security number, birthdate, spouse information, etc. I am not required to provide such information to request that this account be disputed and/or deleted from my credit profile. I have sent Synchrony Bank the full account number in which they should be able to locate this account and either update or delete the account from my credit profile. 

I am attaching the last four correspondences I sent to Synchrony Bank, in the correspondences I requested specific account information and documents, I also requested that Synchrony Bank delete this account from my credit profile if they were unable to complete a thorough investigation and provide the requested documentation. Every correspondence was forthright as Synchrony has ignored my requests and violated my rights. I have also attached a copy of my most recent credit report showing where the account is reporting as negative and also that the account lacks any and all account information. It also shows where I have also disputed the account with the credit bureaus and Synchrony Bank verifies the information. This account does not have any account information or history to verify. 

Synchrony Bank is in violation of the FCRA 15 U.S.C. 1681i ( c ) by failing to report an account as disputed on my credit reports after receiving my requests for debt validation.

Synchrony Bank is also in violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) for failing to accurately report information on my credit report.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/2022 I mailed Apple Card/ GS Bank a certified letter via the USPS , which they received on XX/XX/2022. In the letter ( attached here ) I made Apple Card GS Bank aware that I did NOT agree with the amount of the alleged debt being reported by them to consumer reporting agencies. I requested the documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid. My request are pursuant to 15 usc 1692g ( a ). I still have not received any response from Apple Card GS Bank nor any of the documentation I requested to prove their claim is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
SANTANDER IS REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE. I SETTLED MY ACCOUNT IN FULL IN XXXX OF 2021. PLEASE SEE THE ATTACHED SATISFACTION LETTER. YET SANTANDER IS STILL REPORTING THE ORIGINAL BALANCE ON ALL 3 MAJOR CREDIT BUREAUS. PLEASE CORRECT THE ERRONEOUS INFORMATION. THE ACCOUNT SHOULD BE REPORTING AS SETTLED WITH A XXXX BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was sent an electronic check by XXXX XXXX for a new job by XXXX XXXX. The check was for {$650.00}, once that amount was deposited into my account. I was then told to send {$600.00} one of the companys vendors for equipment to XXXX va XXXX. On XX/XX/XXXX, Chase rejected the check withdrawing {$650.00} plus return fee and an overdraft fee from my account. Despite me calling multiple times asking for help since it was a scam and I was a victim Chase said there is nothing they can do but expect me to pay the amount owed. I filed a police report as well but nothing will be done by chase to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Used a XXXX transaction through my bank, Fifth Third Bank and was scammed for {$900.00}. Filed a dispute and the bank closed it because they could not refund the exchange. 
There is no warning on the XXXX app or through my bank to not use the app for receiving payment when selling an item to a stranger. 
I want a refund from either the bank or XXXX as I am on a fixed income and can not afford to lose any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received an email on XXXX XXXX stating that my old Victoria secret credit card was no longer valid, that I needed to activate my new chip card I received in the mail. It had a button to click activate now, below that said need to request a new card with the number to call. I didnt recall seeing a new card from them so I instantly called the number listed ( XXXX ). I told the lady I never received it and she proceeded to tell me that a bunch of peoples cards were lost in the mail and I appeared to be one of them and it was no problem that she was going to get my card out. Then she said she was having some computer issues and was going to escalate it to another department and I should have my card in about 7-10 days. Two days later I get alerts from my credit cards reporting a new inquiry from Comentiy bank. I instantly called them because I NEVER consented to having my credit pulled nor was I ever made aware. Since when do credit card companies do a hard credit pull to send you out a replacement card. Never did I ask to increase my limit or anything that had to do with my actual credit other than requesting the card that I never received in the mail. Ive had this account since XX/XX/XXXX. I was told I needed to send a letter to tell Comenity bank what happened and it would be removed. I mailed them a letter XX/XX/XXXX. It has yet to be removed! Still never received my new chip card either!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ATG Credit, LLC
State: CO

Complaint narrative:
XXXX XXXX  UNIVERSITY IS TRYING TO COLLECT MONEY, FOR A CLASS, WHICH I NEVER ATTENDED. I MERELY INTRODUCED MYSELF, TO THE CLASS. THIS IS ALL OF THE ACTIVITY, I HAD TAKEN, IN THE CLASS. I NEVER COMPLETED AN ASSIGNMENT AND WAS WITHDRAWN, FROM THE COURSE. I SHOULD NOT OWE ANY AMOUNT OF MONEY, FOR THE CLASS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 36 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-07-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX : 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 2022-07-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX : 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 2022-07-21 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXXXXXX ARIZONA XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC, they are being completely unfair and I dont know how to get ahold of them. 

The creditor failed to close the account properly and kept on billing after account closure.

Credit failed to provide the action of adverse credit reporting. The Creditor made billing errors and was charging for a plan that I never agreed to. There were also unconscionable rate hikes without prior notice or agreement. The Creditor failed to process the auto payments that I had set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have tried to dispute p [ roviding police report and they keep selling same debt to different collection agencies perpetuating their error and refusing to correct

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
EQUIFAX is not reporting my monthly payments. I need my payments to report. This affecting my credit reporting. I have a auto loan through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I only receive social security income. During XXXX when the child tax credit was in effect. The bank states that they were obligated to provide a temporary credit to my account to allow access to the funds from the IRS. I did have overdraft fees to pay my rent which were paid back in the same month with my social security income. On XX/XX/XXXX, I saw that my bank account was negative {$2000.00}. Wells Fargo states that I owe this amount due to a reversal of temporary credit provided for negative balance prior to stimulus payments. Wells Fargo has taken my only income for myself and my daughter. My daughter and  I are both XXXX. Wells Fargo has taken 3 months of my Social Security XXXX leaving me with no way to pay my rent, utilities, car, insurance and gasoline to take my daughter to her appointments.

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 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
My 100 % completed application to drop my Mortgage Insurance and {$340.00} check for the appraisal was delivered in XXXX to PHH Mortgage. The check was cashed about 1 week after receiving my application. I have made inquiries and received requests that I've immediately followed up on. It is approaching the end of XXXX with no apparent progress in my application. I can not get a credible answer regarding the timeline for my request. I'm continually informed that my email will be responded to in 10 business days and that a relationship manager will reach out within 10 business days, with no follow-up. It's taken 5 months to get an appraisal ordered. My concern now is will it take another 5 months to process the appraisal and drop my mortgage insurance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022, there was an unauthorized charge of {$340.00} made via my debit card to this company. I requested a refund but have been denied because they submitted a receipt to my bank claiming the transaction was initiated by me. I did not authorized this transaction nor have I received any service or merchandise from this company. I want my money returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I continuously received phone calls from Macys that exceed 4 times a day to my primary number. I had already advised the debt collector of max 3 times of day, they advise they use a dialer system and no way to know how many times they call. I filed formal complaint and evidence of phone records via fax on XX/XX/XXXX to fax provided ( XXXX ) XXXX and mailed a physical copy to the XXXX XXXX provided. I waited 15 days for a response were i called and made contact with a manager ID XXXX advised complaints received we receive a phone call from department that handle that part. I continue to wait for a response and on XX/XX/XXXX i received a call from the lead investigator XXXX XXXX and claims he had 15 days to respond since it was just provided to him. I allowed the additional 15 days to expire and still no answer to my complaint, i called again on XX/XX/XXXX ( XXXX ) XXXX and was advised XXXX XXXX not available and will contact me within 24-72 hrs. I fell this now gross negligence on the part of the investigator and Macys. I requested for all negative and derogatory reporting to my credit be removed while this investigation is on going, several violations could be happening and on going do to the system of debt dialer system that is being used to collect this debt. 

Example of a violations XX/XX/XXXX XXXX incoming XXXX 2. incoming XXXX 3. incoming XXXX XXXX. Incoming 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 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
Ford Motor Comp, XXXX, {$9500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Closed with explanation