vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: NC

Complaint narrative:
My dispute was reversed after providing overwhelming evidence of returning an item I received because it wasnt the correct item and the dispute was still settled in favor of the merchant. I returned the item I received, I have tracking numbers and photos and still havent received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Told them I did not give anyone permission to get a phone in my name cause that is not my legal name I should not be responsible for bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX

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 2024-04-16 00:00:00
Product: Credit reporting 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:
i recently pulled my credit report and noticed that someone has been applying for credit in my name. i have filed a police report/ FTC report and have notified the XXXX credit bureau 's of these inaccurate false reporting accounts : in accordance with the FCRA the list of accounts below has violated my ferderally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

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 U.S.C. 1681. 
XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I saw numerous fraudulent inquiries in my report and a collection that i have been trying to remove w/ transunion and yet they always tell me that the documentation i sent were not from me. I know my right to have an accurate reporting based on FCRA. i did file FTC report together w/ cover letter to clean my report. I want the following fraudulent inquiries be removed from my credit report as soon as possible. 

XXXX  XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXXXXXX inquiry date XX/XX/2023 Kindly remove this fraudulent account as well XXXX XXXX XXXX account # XXXX date opened XX/XX/2023 And this is my last 4 digits of my social 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I have requested to remove these accounts that belong to me. I have been looking to apply for new credit and it is holding me back. I have no knowledge of these accounts and have requested original contracts but none have been provided.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I have requested to remove these accounts that belong to me. I have been looking to apply for new credit and it is holding me back. I have no knowledge of these accounts and have requested original contracts but none have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX leased vehicle was involved in a deer vs. auto accident. It has been 168 days and the parts to repair the vehicle are still not available, with no estimation of when they will be. I have contacted General Motors and receive weekly emails stating " we are still experiencing a delay on the parts needed to repair your XXXX XXXX XXXX. '' I have continued to make my insurance and lease payments throughout this process, along with paying an additional {$1100.00} per month for a rental car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX MA & Inquired on XX/XX/year>. 
XXXX. XXXX XXXX & Inquired on XX/XX/year>. 
XXXX. XXXX XXXX XXXX & Inquired on XX/XX/year>. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

604 - 15 U.S.C. 1681b ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-04-16 00:00:00
Product: Credit reporting 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX MA & Inquired on XX/XX/year>. 
XXXX. XXXX XXXX & Inquired on XX/XX/year>. 
XXXX. XXXX XXXX XXXX & Inquired on XX/XX/year>. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

604 - 15 U.S.C. 1681b ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NM

Complaint narrative:
Lets begin with what person cleans their bank account out the way it happened to me in sudden rapid large sums and empty their own savings account in random chunks in a span of 3 days? If you investigated properly you would seek the sporadic behavior and compare to their other spending habits and see how I never spend all my money and always have a savings filled. 

My phone was stolen along with my personal information that is all uploaded into the XXXX and allows access to all my Bankss and private information ( save passwords ). Once I was able to get another phone, I downloaded my apps and noticed a significant amount of funds missing from my bank and being sent to XXXX XXXX  which I do not use. When I say significant I mean my savings were completely wiped out and I was left with nothing. I reported it to the police and reported it to my bank. My bank says that they wont cover it as it should since they are insured by the FDIC {$250000.00}. They are allowing my money to be stolen with no reason or proper investigation as a bank should with such a case ; especially when the police are involved. I need a proper investigation and cant take a {$4000.00} loss. If it was just $ XXXX Id let it slide but this is my only funds available. 

After reporting and had fraudulent activity they closed my account which I added the email screenshot of their response to not wanting to help me and cancelled my whole account to not have to deal with the serious circumstances at hand. I have also attached the screenshots of my bank account and the rapid monies being sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have requested several times back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for National Credit Systems to cease all collections efforts on this debt because I notified them that I refused to pay the debt and that in accordance with 15 USC 1692cc, once a consumer notifies a debt collector in writing that they refuse the pay the debt, then the debt collector must cease all communication including deleting the tradeline from the credit reports because reporting is a form of communication. The letter I sent is below ....

I am refusing to pay the above referenced debt.

In accordance with 15 USC 1692CC, since I'm notifying you in writing that I'm refusing to pay this debt, you must cease all communication. Publishing this account on my credit reports is a form of communication and a direct violation of the FCRA and FDCPA. 

15 USC 1692CC clearly states, " If a consumer notifies a debt collector in writing that the consumer refuses to a pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, then the debt collector shall not communicate further with the consumer. 

Once again, reporting this account on my credit reports in a form of communication and a direct violation of the FCRA and FDCPA. 

Delete this account in 7 days by XX/XX/XXXX or I will sue you for false reporting, deceptive and unethical practices, and willful noncompliance as described in 15 USC 1681N.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello, I have been a member of PNC Bank ( formerly BBVA ) in XXXX XXXX, TX for several years. Since PNC purchased and took over the company, I am continuously receiving rolls of quarters with nickels instead of quarters. Having reported this to the bank cashier several months ago, I am still receiving rolls with nickels ( at least one nickels per roll, sometimes more. ) This is leading me to believe there could be a mass fraud taking place. If anywhere from XXXX cents per roll are being kept by the bank, multiplied by millions, this is gross neglect and mass theft. I depend on coins for the operation of my small brick-and-mortar business. This feels wrong to me, and I would like to report this to someone who can hold the bank accountable and insure that measures are taken to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In XXXX of XXXX, I filed a dispute with my bank State Employees Credit Union of NC. I booked a hotel stay at the XXXX XXXX XXXX ( phone number XXXX ) in XXXX. The hotel over charged me in the amount of XXXX on XX/XX/XXXX for a two night stay ( reference number for the folio : XXXX. I was charged XXXX on XX/XX/XXXX. I tried to dispute the charges with the bank and the hotel but the claim was denied. I sent records of the checking statements and the hotel folio.The total amount for the stay was XXXX. 
State Employees Credit union dispute number:XXXX Phone number : Email : XXXX I also filed a complaint with the XXXX XXXX XXXX XXXX . I was told the VP of State Employees Credit union doesn't think I have a claim. 
Case Number for the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Supreme Lending
State: GA

Complaint narrative:
XX/XX/XXXX RE : Homeowner, XXXX XXXX - Property Address XXXX XXXX  XXXX XXXX, XXXX, GA To Whom It May Concern : This letter is to convey the economic hardship that I have experienced as a result of the pandemic. I am a small business owner and my day to day business operations were severely impacted. I am still recovering and have continued to be significantly and negatively affected by the pandemic resulting in the temporary inability to make mortgage payments. 

My family experienced previous recent pandemic economic hardship whereby we applied and received assistance through the GA HAF Grant in the amount of {$44000.00}. The payment from GA HAF was made to our mortgage company Everett Financial Inc. dba Supreme Lending. At the time of our original pandemic hardship, our monthly mortgage payment was {$2200.00}. When our regular payments were scheduled to resume, we were shocked to discover that our mortgage company said we owe escrow. Our understanding along with GA HAF understand was that all monies owed to our mortgage company included all ESCROW. Instead, our mortgage company adding it to our new monthly mortgage payment. The new amount of {$3100.00} includes escrow spread over a XXXX period effective XX/XX/XXXX. Unfortunately, paying an almost {$1000.00} monthly increase in our mortgage payment has further contributed to us experiencing hardship again. We also believe our mortgage company may be getting paid extra money because they are saying the money paid to them by GA HAF did not include the ESCROW. But, we all believe the monies our mortgage company received included the ESCROW. As ESCROW is included with each monthly payment. The monthly payment of {$2200.00} which was our normal monthly payment includes the ESCROW. How then can our mortgage company say we owe it when they asked us to pay up all missed monthly payments? Then when it is paid in full say we owe the ESCROW. But, the ESCROW has always been attached to the monthly payments. Seems like Everett Financial Inc. dba Supreme Lending are not doing right by my family, me and GA HAF.

As I continue to diversify my self-employment, Ive increase ride share driving. I intend to resume making monthly mortgage payments in full and on time as soon as possible. 

Thank you for your consideration. 

All the best, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation