vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: WA

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. 

these inquiries need to be removed XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX On record until XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX and 1 more XXXX XXXX, Inquired XXXX XXXX XXXX Inquired XXXX and 98 more XXXX XXXX XXXX Inquired XXXX and 1 more XXXX XXXX XXXX Inquired XXXX and 8 more XXXX Inquired XXXX and XXXX more XXXX Inquired XXXX and 70 more XXXX Inquired XXXX and 18 more XXXX Inquired XXXX and 2 more XXXX Inquired XXXX and 2 more XXXX XXXX Inquired XXXX and 98 more XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX and 10 more XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX SO XXXX XXXX XXXX Inquired XXXX XXXX XXXX I 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: WA

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. 

these inquiries need to be removed XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX On record until XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX XXXX record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX, Inquired XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN XXXX Inquired XXXX and XXXX more EXPERIAN XXXX IDENTITY Inquired XXXX EXPERIAN XXXX IDENTITY Inquired XXXX FADV Inquired XXXX XXXX XXXX DATA XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX ON XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX I 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-25 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: FL

Complaint narrative:
There are hard Inquiries on my account that I didnt give authorization to the companies and according to the law they should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
There are hard Inquiries on my account that I didnt give authorization to the companies and according to the law they should be removed

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 2023-04-25 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolios Recovery Associates, LLC are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. Is reporting a debt that is not mind on my credit report with the amount of {$1100.00} that does not belong to me. I have been contacting them several times a year from XXXX XXXX XXXX XXXX  to get this removed from all three major credit bureaus. 
They still have not removed the information. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XX/XX/2023 I made two payments in the amount of {$110.00} and {$200.00} to my XXXX XXXX cards. The funds were to be withdrawn from my Navy Fed checking account. On XX/XX/2023 when the funds were presented I didnt have enough to cover both transactions so I was charged {$29.00} for Insufficient Funds twice. Once I discovered I didnt have enough to cover on XX/XX/2023 I immediately deposited {$300.00} into my account. which brought my acct to {$290.00}. XX/XX/2023 The {$110.00} was represented. on XX/XX/2023 When I looked at my account again I realize I didnt have enough to cover the {$200.00} so I deposited {$45.00} which brought my account to {$220.00} on that same day Navy Fed charged me with another {$29.00} Insufficient Funds fee however my account had enough money to cover the charge. On XX/XX/2023 I deposited another {$100.00} in my account which brought my account to {$290.00}. On XX/XX/2023 Navy Fed yet again charged my another {$29.00} Insufficient Funds. 

I accept that at first I didnt have enough to cover my transaction, however I attempted to correct the issue by making deposits. As a consumer who have limited funds and attempting to pay my bills on time, it was disheartening to see {$110.00} being deducted from my account. How am I able to have enough if the bank continues to charge multiple Insufficient Funds for the same transaction? I believe this unfair to the consumer and its really causing me mental distress and other emotional issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 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: WI

Complaint narrative:
XXXX XXXX XXXX account # XXXX 3 separate METRO2 compliance issue disputed and each time the issues were " corrected '' rather than the reporting being removed. I have found a 4th METRO2 issue I have not disputed yet. I DONT WANT IT CORRECTED I WANT THEM OFF. YOU DONT GET TO REPORT ENDLESS LIES AND JUST CHANGE IT WHEN I SAY GET OFF MY HISTORY OR I WILL SUE WITHOUT EVEN CALLING YOU OUT ON THE FOURTH ISSUE I'LL SAVE THAT FOR COURT

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
All I got was a letter stating they had opened fraudulent checking and/savings accounts in my name and didnt offer any restitution for the damages to my reputation nor credit history.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Want to do a CFPB complaint on WellsFargo Card Service dating back to XXXX XX/XX/XXXX for using misleading and misunderstanding rules for credit card interest rates. Also, I tried to workout payment plan back around XX/XX/XXXX because my annual salary was cut in half and every time I call WellsFargo Card Service for assistance for a forbearance or credit card insurance protection plan I keep getting the run around for forbearance or credit card insurance protection plan, because WellsFargo Credit Card Service didnt properly assist me the right way for getting forbearance or credit card insurance protection plan dating back to XX/XX/XXXX WellsFargo Credit Card Service forced me to file XXXX  XXXX Bankruptcy on XXXX XX/XX/XXXX and I should be refunded the amount of this credit card of about {$4000.00} to {$6000.00} dollars of unexplained interest rate dating all the way back to XXXX 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 2023-04-26 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: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems refuses to remove even after dispute very old collection items and has re-upped the date to make it recent. The XXXX  account is more than 10 years old.

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 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I sent a letter on XX/XX/2023 in response to the letter that lacks the missing documentation in regards to the ownership to substantiate their claims that LVnV is the current owner of a fictitious allege debt. But no response, i have include the inaccurate information that shows a lot of errors on their part but they seem to be silent about it. specially a rep name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I sold a car the funds went to PayPal and PayPal has been holding my money for over two weeks I have no way to get access to my funds they said it because of the automated security system they can not over ride it. I can not send or withdraw or use with my XXXX wallet I am on the phone everyday for over an hour or two with them and they tell me the same thing everytime wait 24 to 48hr for system to update. I feel like they have robbed me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I tried to resolve the issue before they closed the account but they closed it I told them the card was lost and I need a replacement to make a pay me and someone stole my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: OH

Complaint narrative:
On XX/XX/XXXX, I, the consumer of the report Equifax is improperly reporting on, contacted the company for a second time. I informed them that their investigation results were invalid and inaccurate. I informed Equifax, I never gave them authority to acquire or furnish any of my non public financial information. 

In a letter dated XX/XX/XXXX, the company responded requesting further personal information, not needed, as per the CFPB 's dispute tool. They informed me that they would not be proceeding with my disputes, until I disclose this information to them. I never disclosed my initial information to them, and they have no legal right or authority to furnish information without my authorization/consent. 

My initial dispute, dated XX/XX/XXXX, was returned as verified, which I did not ask for verification, however, since they claimed this to be verified, as per the CFPB, and FCRA, they must provide me with method of verification, who verified this information and it must be done within 30 days. 

These are clear violations of Federal Law and my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX acct # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Good afternoon, My name is XXXX XXXX. I received a letter from Comenity Bank regarding my account closure due to inactivity. I received the letter on XX/XX/, the letter was dated for XX/XX/. I called the company on XX/XX/XXXX to request the account not be closed. I was told that the account was already closed on XX/XX/ and there was nothing that I could do. Once I prompted again, I was told I would have to have my credit pulled again as well as be required to make a purchase on the card for the card to be reactivated. I was told the account was not closed, but it was listed as inactive and there was nothing I could do to reactivate the account outside of another hard credit bureau pull, as well as a purchase on the account. 
I requested to form a complaint, and was told I was unable to do so with the agent on the phone. In addition, I was given a number to corporate which led me to the same office I had previously spoken to. I was told to file a credit bureau dispute, and I must send a written letter, and I would hear back at a later date. 
I feel this is unfair and deceptive. I was not made aware of the account closure or given time to prevent it. It is also unfair that I would be forced to have a hard inquiry on my credit file. I feel that I have been additionally harmed by being forced to make a purchase that I do not want. In addition, this will impact my credit score being that this account has been open for quite a while and will directly impact my length of credit history. 

Thank you for your help and the great work you do for all of the consumers out there! 

XXXX  -Last four of account number - XXXX -Phone number associated with the account - XXXX - Name in account- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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:
these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX XXXX # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: GA

Complaint narrative:
these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX  acct # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/ I financed a motorcycle through the dealership with Synchrony Bank in the amount of {$12000.00} at a 9.99 % interest rate, on XX/XX/ I made a {$230.00} payment, I then made additional payments on XX/XX/ in the amount of {$600.00}, XX/XX/ in the amount of {$250.00} and another {$600.00} payment on XXXX As of XX/XX/ my statement balance was listed ay {$11000.00}. We realized that all of the extra payments we were making were not being applied to the loan balance. On XX/XX/ we refinanced the loan to XXXX and a check in the amount of {$11000.00} was signed for at XXXX by an XXXX XXXX XXXX Synchrony Bank on XXXX. The payoff amount at the time the check was received was {$10000.00}. 

On XX/XX/ I called Synchrony because no one had contacted us about the overpayment. I requested a check be sent in the amount of the overpayment of {$640.00}. Synchrony bank sent us a check in the amount of {$570.00} leaving an unaccounted for balance {$64.00}. 

Synchrony has not sent us an itemized statement to account for any of the charges, or the loan payoff. I have been unable to contact them, and at this point this is basically theft. I would like the remaining balance of {$64.00} sent to me immediately. 

I honestly have no idea how this place is even still in business. I've never seen such atrocious tactics for essentially stealing from people.

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 2023-04-25 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: WI

Complaint narrative:
XXXX XXXX XXXX account # XXXX 3 separate METRO2 compliance issue disputed and each time the issues were " corrected '' rather than the reporting being removed. I have found a 4th METRO2 issue I have not disputed yet. I DONT WANT IT CORRECTED I WANT THEM OFF. YOU DONT GET TO REPORT ENDLESS LIES AND JUST CHANGE IT WHEN I SAY GET OFF MY HISTORY OR I WILL SUE WITHOUT EVEN CALLING YOU OUT ON THE FOURTH ISSUE I'LL SAVE THAT FOR COURT

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