vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX. 
2 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 3 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 5 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 6 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 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 an account without my written instruction. 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. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: SC

Complaint narrative:
The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, XXXX ( a ) ( XXXX ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For XXXX it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from XXXX person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The XXXX XXXX XXXXXXXX for XXXX XXXX is time barred after XXXXXXXX XXXX have passed. XXXX XXXX 3-530.They are in violations of my rights as a consumer. XXXX. ( XXXX section XXXX ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. XXXX. XXXX The collection of any amount XXXX. XXXX ( XXXX ) ( A ) - the false representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX reported my debt to a company called CCS Collections which has never been heard of. This company keeps trying to contact me after I told them to stop calling me trying to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 2 ) XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 5 ) XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX. The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 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 an account without my written instruction. 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. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights

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 2022-10-13 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: MS

Complaint narrative:
I have fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries 1XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$430.00} 2XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$73.00} Inquiries 1XXXX XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXXXXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXXXX/XX/XXXX 6.XXXX XXXX XXXXXX/XX/XXXX 7XXXXXXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXXXX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXX/XX/XXXX 11.XXXX XXXXXXXX XX/XX/XXXX 12.XXXX XXXX XXXXXX/XX/XXXX 13 XXXX XXXX XXXX 14XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX  13.XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXXXX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16XXXXXXXX XXXX XXXXXX/XX/XXXX 17.XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax mail server is out of control and Equifax can't use the USA XXXXXXXX XXXX to mail credit reports. 

1. Can't address letters correctly - this is a computer error where the name and address are doubled. - Fortunately the postal system can still function. Time and time again I have given Equifax my correct foreign address - and still they print it double. 

2. Recent mail now takes 28 days to reach me - because Equifax uses the XXXX XXXX XXXX to mail to XXXX. How many hands pass through this to go completely around the world. Customs inspectors in XXXX and XXXX XXXX now read all my credit reports. The USA XXXX XXXX takes 10-14 days to reach me is much more secure. 
3. This Computer error mail server also sends me other peoples credit reports. look up Confirmation # XXXX and # XXXX mailed with my XXXX  address, are other peoples credit files. Conf. # XXXX has my address and name doubled. 
4. Complaint # XXXX is not showing on my list of disputed items at myequifax.com. - 5. Mail server is out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
This was a five-year loan that has come to an end. I am XXXX as a senior citizen and must have missed five payments during the five-year loan. I tried to pay but they refuse to allow me within my portal and talking about repossessing my car for {$700.00} due. Instead of allowing me to pay they simply say call. I do not trust them for an over the phone conversation. I fail to see why I can not pay using my company provided portal. Part of the problem in the past was this portal. This is harassment and I have all the emails including pages of them telling me I was aware of this five years ago when I signed the contract. I am XXXX XXXX XXXX ; I can't remember what I did last week,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I bought a XXXX XXXX XXXX and financing was through Chase XXXX XXXX. 
On XX/XX/XXXX I called to get payoff on the car loan. I was quoted the amount {$7500.00}. I wrote XXXX separate checks from XXXX different accounts and XXXX different Banks. My husband 's account was with XXXX XXXX XXXX XXXX for the {$7000.00}. XXXX, my account, for {$520.00}. Mailed on XX/XX/XXXX. Payment was due XX/XX/XXXX. Checks had not been cleared by XX/XX/XXXX. I called CHASE and I was told they didn't have anyone to process checks. I was told the amount would be honored until XX/XX/XXXX. On the account website on XX/XX/XXXX, it showed the account was past due. XX/XX/XXXX, payment was not posted yet. My husband did an electronic transfer for the {$7000.00}. on XX/XX/XXXX, from XXXX XXXX XXXX XXXX he went to the bank for a stop payment which was done as a courtesy of the bank. I left a message with my bank with XXXX XXXX requesting a stop payment. She was not available. On XX/XX/XXXX, I called Chase and also did the electronic transfer from XXXX, which now the amount was now {$530.00}. I was told the account would be paid off and when the checks arrive, they will not be cashed. They attempted to cash my husband 's check but the stop payment was in place. My check was done as a convenient check and it was processed. It took me from XX/XX/XXXX until XX/XX/XXXX to finally get reimbursed the {$520.00}. On XX/XX/XXXX, I received a check in the amount of {$6400.00}. I called and told them a mistake was made. I was told XXXX supervisors reviewed my account and ordered the check for over payment. I cashed the check and put it in the savings account, because I knew they had made a mistake. I received a call from Chase on XX/XX/XXXX wanting to know why I had not responded to their letter. I responded I have not received a letter. They said it was mailed on XX/XX/XXXX. We had a holiday on XX/XX/XXXX, XXXX, I still have not received the letter. They said that due to the account being reopened and I am now XXXX XXXX behind in payments, penalties, I now owe {$7100.00}. If it wasn't paid interest and penalties would continue to accrue and they would put a lien on my title. When I questioned the amount, They told me that when the {$7000.00} check was stopped the check for {$520.00} was also listed as a stopped payment and I owed that amount back. These were from XXXX different banks. I went to both banks and received the documentation and told them the situation. I was told I only own the amount back from the check they sent me on XX/XX/XXXX. I questioned their ability to be doing financing. They needed to hire XXXX XXXX XXXX felt this was XXXX  me for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: HI

Complaint narrative:
GLOBAL CLIENT SOLUTIONS, along with XXXX XXXX XXXX are illegally collecting upfront and monthly fees to clients as they HOLD their money to later pay off credit cards debt owners. 

I believe Global client solutions already had a judgment against them by CFPB for this same issue. 

Please investigate both companies for these illegal fees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. 

With XXXX, Macys, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
These Financial Intuition are furnishing my information without my consent. They are in violation of Gramm-Leach Bliley Act in addition to TILA under Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant.

15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

Before, ANY response is made " There is no LAW that states that a company must report to a non-affiliated consumer agency '' I have a Right to Privacy & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity. Furnishing information without my consent is liable for a civil lawsuit, damages & fines for each violation.

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 2022-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Tuesday, XX/XX/XXXX, the fraudster, who had my Drivers License and my savings account information, made the fraud wire payment form at Wells Fargo branch in XXXX, FL. That same day, I was with my immigrant clients in XXXX, GA and left to teach XXXX class in XXXX, GA. The next day, I found out that I got three relay service msgs from Wells Fargo, but the messages were that I should contact Wells Fargo. I decided to check my bank account online and found out that XXXX from my savings account were wired to XXXX XXXX  for XXXX XXXXXXXX XXXX XXXX XXXX I contacted Wells Fargo and reported the fraud wire payment incident. I was instructed to contact the Loss Prevention dept, but that dept was closed. Two days later after the XXXX XXXX weekend, I tried to contact the Loss Prevention dept, but XXXX XXXX was not in office. The next day, I made the second attempt to contact him. XXXX wanted to know that I was in FL. I told him no, so he asked me to make the appointment with my bank XXXX. XXXX, my bank officer showed me the fraud wire payment form.She wanted to know that I lost both of my Driver 's License ID and my bank card. I told her no. We filed a claim for unauthorized transactions on my account for ID theft operation. Plus, we started the process to research a wire recall request related to one of my accounts. I told her that I can not take the voice calls on my mobile. XXXX realized that i depend on my relay service number only. I asked her the last question about getting my money back. I have to wait for a phone call from Wells Fargo Executive office in less than 3 days.

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 2022-10-14 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: FL

Complaint narrative:
Ask company to investigate account to make sure is everything 100 % accurate and correct according to FCRA. Company is still reporting inaccurate information harming my credit. 
Account name : XXXX Account number : XXXX XXXX  ) XXXX, ( equifax XXXX XXXX, Is this the same account? 

1, In XXXXXXXX XXXX XXXXXXXX reported ok ( paid ), but in XXXXXXXX XXXX Equifax reported the date of 1st delinquency. Which bureau is 100 % accurate? 

2. In XXXXXXXX XXXX XXXXXXXX reported ok ( paid ), but in XXXX, XXXX  Equifax reported 30 days late. Which bureau is100 % accurate? 

3. In XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX reported paid ( ok ), but Equifax reported in XXXXXXXX XXXX  was the last payment made. Which bureau is 100 % accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank closed my bank account on XX/XX/XXXX. I opened an account with them on XX/XX/XXXX. The deposit was from a lawsuit settlement. I went into the bank and received a cashiers check then soon after I tried to purchase car insurance and my card kept declining. I called the bank they told my they had terminated their relationship with me with no reason to explain. They said they funds that were in my account were blocked and I am unable to access them for 30-60 days. Ive been calling and reaching out and no one has been giving me updates. My account has well over XXXX in it as I said from a lawsuit settlement. The bank illegally closed my account with no reason.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief