vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Its always on a recording saying CBE group and when I try to return the call nobody picks up but they call every day every Sunday its annoying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: TN

Complaint narrative:
I submitted XXXX disputes and none of the false account on my credit report have beeen removed ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was denied credit based on my age. 
I have an 750-800 credit score and I am over XXXX years of age. 
I have no late payments. 

Khols decided to deny me credit in any amount, even though I had income and assets enough to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a auto Loan with Wells Fargo Dealer services which started in XX/XX/XXXX. I have always paid more than the monthly installment of {$240.00}. In a few months, I enrolled in autopay. In XX/XX/XXXX, received a call that I have missed a payment for XX/XX/XXXX. I was surprised and told them that I had auto pay. I was told that they did not see an autopay, while I had selected the option, entered the bank details, etc and done the needful. I tried to explain to representative from the bank that it was a processing error on their end. And was told that if I paid, everything would be okay. I did as was told and since then, have mostly paid more than the required monthly on time. 
IT IS WORTH MENTIONING THAT SINCE THEN WELLS FARGO DEALER SERVICES HAS DONE AWAY WITH IT ARCHAIC WEBSITE AND INTEGRATED INTO THE UPDATED CONSOLIDATED WELLS FARGO WEBSITE. 

More recently, when I looked at my credit reports, this loan account where I had paid as required ( and often more ) is marked as " potentially negative '' due to this XXXX late payment ( XX/XX/XXXX ) generated due to malfunctioning of the payment platform. This is negatively impacting my credit score and my ability to seek credit from suppliers for my new business venture. Although, I was not aware at that time, but this would have also impacted the decision of employers, lenders, etc. in the past. 
Yet my only humble request is to consider this issue and remove negative check from my payment history, so I may not suffer further due to this issue.

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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of 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 2022-02-20 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: MD

Complaint narrative:
In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MD

Complaint narrative:
In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of 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 2022-02-20 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: TN

Complaint narrative:
I submitted XXXX disputes and none of the false account on my credit report have beeen 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 2022-02-20 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: TN

Complaint narrative:
I submitted XXXX disputes and none of the false account on my credit report have beeen 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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have ( ( had now I suppose ) a credit limit of {$4000.00}. I checked my accounts today as I typical do ever month or two and I noticed that Discover had closed my account. This strongly effects my credit score. I intentionally made sure I was paid up and even had my account frozen for security purposes. Im extremely disappointed as to how Im being treated as a consumer and find it absolutely ridiculous that they decided to close my account without any warning whatsoever. Please advise. 


Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX, XXXX have violated my rights as a consumer. Before I go forward, I want to be clear any violations under Title 15 make contract null and void & will stand in federal court. On XX/XX/2021, I did a consumer credit transaction with XXXX XXXX dealership and extended my credit with a finance charge through Capital One Auto Finance. I'm the original creditor extending my credit using my credit card ( XXXX XXXX ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$12000.00} exact but this dealership and XXXX XXXX gave me a total sale price of {$44000.00} ( see attachment for Exhibit A ). That is a total of {$32000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). 

I the consumer was violated pursuant to 15 USC 1662 ( 2 ) advertising a down payment of {$5000.00}. Proof is in exhibit A. 

Pursuant to 15 USC 1605 ( c ) property damage & liability insurance premiums must be included in the finance charge. Proof is in Exhibit B. 

Pursuant to 15 USC 1611 ( 3 ) that is a criminal crime. XXXX willingly and knowingly provided false & inaccurate information because these laws are public. Ignorance of the law is no excuse. The responsible party shall be fined not more than {$5000.00} or imprisoned not more than one year, or BOTH!! 

The company failed to disclose my right to rescind pursuant 15 USC 1635 ( a ). Proof is in Exhibit A-E. Failing to do so will be charged double the finance charge. 

Sadly, this is fraud, so this contract is now void. 

CEASE AND DESIST ALL COMMUNICATION UNLESS IT IS TO CURE MY REMEDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTY THEFT I Have contacted Experian multiple times disputing the the accounts on the Identity theft report attached to this complaint. Experian refuse to remove fraudulent accounts and continue to report negative information on Consumer credit file.

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 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/XXXX, I made purchases at Lowe 's using the Lowe's/Synchrony Bank credit card for {$1200.00}. Because of an error made by the salesperson at Lowe 's, I was not aware that two Lowe 's accounts were opened in my name. I was making payments on only one account, and the other account, number XXXX, with the amount of {$1200.00}, was charged off. When I finally sorted out and resolved the situation, I paid a settlement amount of {$820.00} in 2 payments, one on XX/XX/XXXX and the second on XX/XX/XXXX. I am in the process of applying for a mortgage and a charge off on my credit report will prevent me from getting a low interest rate. My credit score was very good before this charge off was reported by Lowe's/Synchrony Bank . Since the mistake was made by a Lowe 's employee, the negative report of the charge off should be removed from 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 2022-02-20 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: NV

Complaint narrative:
ATM withdrawals while card in my possession and we're not made by myself and not permitted by myself for anyone else to do. Information other than what was told to me by phone representatives or found on website is unknown. 
Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX, Nevada ( 3 ATM withdrawals ) in the amount of {$280.00}, {$300.00} and third withdrawal {$400.00}. 

Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada ( 1 ATM withdrawal ) in the amount of {$300.00}. 

Reported to the phone # on back of card and had card # changed. Case # XXXX and case # XXXX. I have been told that this dispute has been denied and that a letter had been sent to my email. I have not received any written correspondence and continue to call to ask why it was denied as it was reported on XX/XX/2021 when I first found out as I knew I had worked and gotten paid yet transactions were being denied for insufficient funds come to find out this was why. I spoke to customer service rep " XXXX '' employee # XXXX today to infact confirm that I understand correctly what I'm reporting in this complaint is accurate. He still is unable to say why and once more, AGAIN, he will request the denial letter be sent via email to me. I confirmed that they have correct email and mailing address but he said it. Can only be sent via email. I have not gotten anywhere with this. I have not gotten my money back etc. I've made a police report even though upon my first call to this regions bank I was told by regions bank the police report doesn't help

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 2022-02-20 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 Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file Equifax 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from XXXX, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file Experian 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.

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 2022-02-20 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: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
Hyundai continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I recently changed my phone number, even though I knew my password. However, I was unable to login because I couldn't verify it on my phone. I called TD Bank multiple times to change my phone number, but they were unhelpful each time and unable to do so without sending a message to my phone number, which I didn't have access to anymore. Therefore, I was locked out of my account and unable to check my balance/pay my bill. 

Furthermore, TD bank has not been communicative with me about my bills. Not only after I checked my credit report did I notice I have an overdue balance. I intend to pay my bill each time, but TD BankXXXX verification system inherently makes it difficult/impossible for me to do so. In addition, when calling, I was unable to pay my bill via the phone either because they can not verify my account with my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Not all the information is correct on the three credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.

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