vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I received an XXXX XXXX XXXX XXXX in the mail today unsolicited from a company called Netspend XXXX 

I called their " fraud '' line to report fraud & it only allowed me to enter the 16 digit card # to " remove myself from their mailing list & close the card account. '' I am concerned about identity theft and what could have happened if I wasn't home and someone else received this card. 

I thought mailing people unsolicited debit cards was against the law?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX A {$50.00} late fee. They just charged me {$50.00} for basically reporting them. They went and took off past late fees. But re charged {$50.00} to my XXXX I added extra amount to my XXXX payment. I was note late in XXXX, look at this bogus statement, when I called XXXX XXXX, she tells me she spent a lot of time on this. They have been charging me late fees when I have been on time. I was only late once! Wells Fargo are crooks! I want my money back from 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 explanation
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with XXXX for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. RN IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ******** All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with CHECKSYSTEMS for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. RN IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ******** All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX from debt collector TRANSWORLD SYSTEMS INC. The letter stated that this collection agency was representing XXXX XXXX XXXX XXXX in XXXX, TN. in collecting the deliquent sum of {$3600.00} that covered six different bills I supposedly owed XXXX XXXX XXXX XXXX. I called the billing department for XXXX XXXX and a representative named XXXX told me I owed no such amount to this facility, had no bill in collections and that XXXX specifically doesn't use TRANSWORLD for any debt collection they do file against patients for unpaid bills. I recorded the entire conversation with XXXX and XXXX in the billing department. I called TRANSWORLD at the contact number on the letter of XXXX. The account number for the false debt is listed as # XXXX. After being on hold for one hour, a TRANSWORLD representative who would not identify themself immediately asked me for my account number which I gave him and he immediately asked me how I was going to pay for the amount owed to XXXX. When I told the TRANSWORLD representative that I had talked directly to the XXXX billing department and had them recorded stating not only do I not owe the amount stated on the letter but that their billing department doesn't use TRANSWORLD for collections in any way, shape or form. The TRANSWORLD representative became belligerent with me on the phone and said the information XXXX gave me was wrong and that if I didn't pay the amount listed on the letter, the debt would be reported to all three credit bureaus and ruin my credit rating. When I asked the TRANSWORLD representative if that was a threat to force me to pay a bill I don't owe, he stated it was fact and TRANSWORLD would do it. I immediately stated I would contact all three credit bureaus about this Fradulent bill plus contact my personal attorney. The TRANSWORLD representative stated he could care less what I did and either pay the bill or have my credit ruined by their company. I demanded a supervisor and the TRANSWORLD representative stated that he wasn't wasting a supervisor 's time on a debt that was owed by me. The representative immediately hung up on me when I asked for a supervisor a second time. Please assist me in stopping this collection agency from ruining my credit with a bogus medical bill that doesn't belong to me and I don't owe to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo repo my car charge fees and everything when the payment was made

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: VT

Complaint narrative:
EQUIFAX : website does not offer additional login security, two factor authentication or other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This is Rebuttal response # XXXX Attn : XXXX XXXX XXXX XXXX OF ALLY FINANCIAL , INC XXXX I XXXX XXXX come to you in good faith and Honor to rebuttal a Letter send by your company ALLY BANK with application # : XXXX Dated XX/XX/2023 at dealership XXXX XXXX XXXX in XXXX, FL. Where you give your reason why can't grant extension of my credit. ( VIOLATION UNDER FCRA, EOCA, TILA AND CFBP, Under 12 CFR PART 1002.4 ( Descrimination ). So ALLY FINANCIAL, INC. / ALLY BANK, claim that wasn't prepared to accept the consumer obligation if transaction was completed and wasn't agreeable to handling transaction. Meaning you accept that XXXX XXXX exercise his right under the Law Allowed him to ask for Extension of credit on " consumer credit transaction '' and you Denied his Request. The other reason was : proportion of balance to credit limit is to high on bank revolving, Serious Delinquency, time since delinquency, number of account with delinquency and number of inquiries on report. Really? Well Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning that every time a person make a report of " Late Payment '' " default '' " serious delinquency '' " banking revolving '' etc ... ..... Under 15 u.s.c. 1611 willfully and knowingly violation, No only is False and Misleading but is a fine of {$1000.00} for every report is put on someone credit report under 15 u.s.c. section 1681n. So now that reason not to grant Credit is been rebuttal, you still in violation for no Grant Credit request on Consumer Credit Transaction on Extension of my credit, on amount request with vehicle ( copy of vehicle request is attached to this rebuttal # XXXX ) violation under 15 u.s.c section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) and under 12 CFR Part 1002.4 ( Descrimination ) for not Granting extension of my own credit. When someone is exercising their rights where the applicable law allowed it, the consumer is protected by the Law, is not the Creditor opinion/condition/Limit/False or Misleading on a consumer exercising their rights to extend their own credit on a consumer credit transaction. No one can be denied extension of their own credit, refused to grant credit on amount requested and under 15 u.s.c section 1681o : civil Liability for Negligent Noncompliance. Note : attached to this Rebuttal # 1 their is copy of letter by : ALLY FINANCIAL , INC. /ALLY BANK, Denied of Extension of my Credit and Copy of Vehicle Request on a Consumer Credit Transaction. 
A Maxim of law .... Ignorance of the law excuses no one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are Hard Inquiries that should not be associated with my account, If I do not or have not been officered a line of credit then they should not be pulling my credit. Please assist me as each time they do this you are aware of the cost it could impose on all of us daily. Thank you for your 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 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has reported incorrect addresses, spelling of my name and phone number. I have reached out to Experian via phone and mail with no updating. I need the following deleted : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, XXXX, IL. XXXX Please delete phone number XXXX. This is not my phone number. Update phone number to XXXX. 

Please correct the spelling of my name. My full name is XXXX XXXX XXXX. Please delete 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 non-monetary relief
Consumer complaint received 2023-03-13 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: CA

Complaint narrative:
I got a copy of my credit report and I have inquires that I didnt not request on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a copy of my credit report and I have inquires that I didnt not request on my report Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Wakefeild do not own the debt. Telephone they used doesn't work when you try to call back. The medical debt has /was being handle by healthcare insurance. I told them to cease and desist ANY weather contact with me by via email, US Postal services, any mail carry service, text message, telephone calss and or reporting any information to any credit bureau reporting agencies. They still keep harrassing me by US postal service about a debt they do not own the chain of title to. The male represenative was rude. He told me why dont I just pay my bill and discussing my personal medical information violating HIPPA.I do not owe money this issue was result through insurance. Wakefield has harassed me after i i told them repeatedly to STOP. reference numbers XXXX ref # XXXX amount {$400.00} XXXX ref # XXXX amount {$210.00} These collection agency are selling the debt without chain of title, NO ownership something needs to be done about this level of harassment. This is unfair and deceptive pratice trades and a violation under the consumer fair credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
I reached out to Experian a Third-party reporting agency about fraudulent activity with some unauthorized inquiries that I did not sign for, Every inquiry that is not tied to an account is fraudulent and I did not sign for,. I expressed this to them and asked them to delete these unauthorized inquiries and I haven't heard anything back from them and I know they received my dispute 's because they corrected an issue I was having with some inaccurate Late payments that were being reported incorrectly on my consumer report and both was in the same envelope. 
XXXX XXXX XXXX, I never even heard of them, I never gave written permission to pull or share my private or personal information to any third-party consumer reporting agency, that's identity theft XXXX XXXX XXXXXXXX, I never gave this company written permission to pull or share my private information to any third-party reporting agency thats identity theft XXXX : XX/XX/XXXX, I never heard of this company nor have I given them written permission to pull or share my personal information with any of the third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX, I never gave this company written permission to pull or furnish anything to my consumer report or furnish any personal information to any third-party consumer agencies thats identity theft EXPERIAN BUSINESS CRED : XX/XX/XXXX I never gave this company written permission to pull or furnish any of my personal information which is private and Im do privacy by the law of being a consumer this is identity theft I need these fraudulent unlawful inquiries deleted asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ... .., 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX ...., XXXX XXXX  XXXX ...., XXXX XXXX XXXX XXXX ... .., XXXX XXXX XXXX XXXXXXXX ...,, XXXX XXXX XXXX XXXX..XXXX XXXX XXXX XXXX ... .., XXXX XXXX ... .XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681section 602 says, " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 states, " It also states consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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