vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Mortgage arrears appear in the credit report when the account is current with XXXX XXXX XXXX XXXX XXXX. Letter is sent indicating account up to date. This has affected my credit.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/22 An online inquiry was made to prequalify for a mortgage. This was clearly outlined as a soft pull. USBank made a hard pull that was not authorized. I did have a conversation with a XXXX XXXX to discuss products and I informed him this I was just checking on the possibilities. When he said I would need X amount of money down, I informed him that I did not have it in cash but maybe able to use some resources when Im ready. No documents were exchanged and no further steps were made. We closed the conversation with he would crunch some numbers based on the financial information I provided him. After we hung up, I received alerts from my monitoring bureau an inquiry was made. I immediately sent an email to XXXX disputing approval. I sent him a screenshot of the terms this was a soft pull. He, in turn, sent me a screenshot of boxes someone else checked. After detailed proof that I on the boxes was him and in the boxes it says the borrower ( see document ) gives consent. I never gave consent online or in our conversation. I tried to explain they should write a letter to the credit bureau to remove the hard inquiry. He said he didnt believe they could do this. Our back & forth conversation is documented through emails & pictures. I am asking to have this hard inquiry removed from my report because it was not authorized.

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 2022-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please refer To Attached Documents. Follow all steps on account on affidavit and remove accounts. The XXXX  being removed will be headed to court and FINED!! If you'll DO NOT read the letter and take appropriate actions. 

Per 15 USC 1681c ( a ) XXXX  information is Excluded from the consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend XXXX Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.

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 2022-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
We paid off the last two vehicles on our line of credit with Westlake XXXX. They will not send us the titles to the last two vehicles. They will not close our line of credit which was been paid in full. They will not return the reserve account balance of {$5700.00}

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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After placing 2 other clais from the same topics without solution I need to submit a third. 
XXXX XXXX I still been unable to access to my online banking, the system doesnt allow me to reset the password online, and trough customer service they cant sent me a passcode to my cellphone because of system error, I also submit a claim to have my phone verified, that claim was approved but the system still has issues to send me the passcode. I can receive texts messages from bank and passcodes. 
My user id is 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 2022-11-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX, Back in XXXX or XXXX my XXXXXXXX XXXX XXXX XXXX XXXX  loan for an online school. XXXX XXXX University. I received a loan for around XXXX. I later learned the school was uncredited and withdrew. I had to file for bankruptcy in XXXX for personal reasons. The loans were frozen at that time. I was told after my bankruptcy that I would reassume the loans. During that time NAVIENT began harassing my XXXX for payment because she was a XXXX. I let her know what was going on. Due to the harassment of this company I had the loan auto-drafted until my XXXX  in XXXX. My Bankruptcy was closed in XXXX and I started paying the loans again. Then came the pandemic and we are waiting for the government 's decision to be made. I have gone on Nelnet and requested the consolidation of all of my loans combined as XXXX which should remove any of my XXXX  ' information from any system. My total loans as of to date show XXXX. I have done everything I am supposed to do. Please help to stop the harassment from NAVIENT. My XXXX  does not deserve it if I have all of my loans combined in NELNET. According to the law, I thought all of the student debt collection calls were to be stopped. The company is only calling her for payment and not emailing or calling me at all. I believe this is harassment, and possibly even a scam. The number they are calling from is XXXX. They are not listening to what she has told them. They are not listening to the fact that I have consolidated everything on XXXXELNET with all of my current information. I do not have a problem paying my debt. What I do have a problem with is a company that is a XXXX XXXX XXXX XXXX who doesn't deserve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: MA

Complaint narrative:
I placed an order on XX/XX/2022 for XXXX in which the credit numbers did not match so they were issuing a new card. But they put this charge on old account ending in XXXX. I then returned some items and paid the remaining balance. However these transactions went against the new account, ending in XXXX. Now I am receiving a bill for the account ending in XXXX which comenity bank claims does not exist. I have had multiple trouble tickets opened since XXXX and have spoken to numerous customer reps and supervisors. Every month I receive a new bill for XXXX plus my new account ending XXXX. I believe this all occurred during a major software update and I keep telling them that this has to go to the computer division to look into their old files and remove this account. I have all dates, names and bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend 2 Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.

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 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please refer To Attached Documents. Follow all steps on account on affidavit and remove accounts. The XXXX  being removed will be headed to court and FINED!! If you'll DO NOT read the letter and take appropriate actions. 

Per 15 USC 1681c ( a ) XXXX  information is Excluded from the consumer 's 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 2022-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Hello. I applied for the 5 year XXXX  loan forgiveness with aidvantage.com and I was denied. They want me to fill out a new form however this is not possible because I have worked at 2 different XXXX  and I do not have access to the previous principal. I provided them with evidence of 5 years of XXXX  at 2 XXXX XXXX XXXX with the signature of each administration. I also signed the section 4 form and dated it. 

My data is supported through my 2 images titled : my data # 1 and my data # 2 which both have the signatures of my admin and one of them has my signature and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: OH

Complaint narrative:
Please remove inquires and XXXX XXXX XXXX  I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.

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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: WY

Complaint narrative:
Hi, Hope your doing good I tried to register a business account with Wise as i have a registered company in United States along with verified XXXX. 
Wise for some unknown reason deactivated the account. When we tried to call them they said nothing about what causing the issue. I would need a business account with Wise to get paid from my clients. 
I also tried sending an appeal but couldn't do that because at that time Wise had already closed th account. 

I will definitely provide the necessary details in order to resolve this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I name is XXXX XXXX, and I am requesting the negative reporting to be removed from all three credit bureaus. In accordance with the Fair Credit Reporting Act, TD Auto Finance has violated my right.. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I was recently transferred to LoanCare LLC for my mortgage Servicing. After setting up my account Online I submitted 1 singular payment to pay my XXXX mortgage. LoanCare decided to take an additional payment without my Authorization. This is now causing my financial issues with my other bills scheduled for the month

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 2022-11-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Please remove inquires and XXXX XXXX XXXX I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please remove inquires and XXXX XXXX XXXX  I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.

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 2022-11-11 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: NJ

Complaint narrative:
I was involved in a class action suit with XXXX XXXX XXXXXXXX because of fees and their reporting inaccuracies on my consumer reports such as Chexsystems and XXXX XXXX I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from ChexSystems, and XXXX XXXX  as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact ChexSystems and XXXX XXXX as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. 

XXXX XXXX XXXXXXXX Account Number 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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got an email from capital one at XXXX on XX/XX/2022 welcoming me to my XXXX checking account. Another my email was sent at XXXX on the same date saying that my email address has been updated. I did not open a checking account with Capitol One and called XXXX XXXX let them know. A representative from XXXX XXXX canceled the account and put an identity theft alert on the account. I have all 3 of my credits frozen and am not sure how an account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
Egregious interest. {$1000.00} interest on pace to ballooned over {$4000.00} in 8 month payoff. Fully taking advantage of people like myself when in need. Personally hard working people better than that, Honorable that has put themselves in position to even be able to apply for a loan shouldnt be taking advantage of like this!!! If this is Fair. Everyone needs a Blueprint on this Lending/Loan Company.. Totally XXXX!!!!! Also once I learn interest rates immediately paid off loan. Wasnt able to but it beat the long term interest for a messily {$1000.00}

Company response to consumer: Closed with explanation