vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I applied for an easy set pay 4 EQUAL payments. I didnt use all my limit just XXXX. States my first payment has to be XXXX. I tried to get this fixed they state I have to make 1 payment then it will split equally into my next 3 months. Thats false advertising I reached out 4 times and havent been able to get this fixed

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX XXXX XXXX  account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off.

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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Can not open account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Around XXXX my ex husband and I opened a Wells Fargo XXXX XXXX credit card. We then closed the account. Last week I was checking my credit report and I saw that this credit card company keeps reporting this card and it is affecting my credit score negatively. This account was closed around XXXX. I do not understand why they refuse to remove it off my credit report as a bad mark. I tried opening a dispute through XXXX but XXXX XXXX refused to change anything on the 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 2023-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My husband and I obtained a refinance loan from XXXXXXXX XXXX. We pride ourselves on paying bills promptly. All monthly mortgage bills were promptly paid. A few months ago XXXX XXXX apparently started using a Mortgage Loan Servicer to collect our Mortgage Loan payments. We still paid our bills on time. The first bill we paid to the new Loan Servicer was returned to us and we were informed that our payment was overdue. We had several conversations with the new loan servicer, whose employees expressed regret. Before our next payment was due, we paid our bill to the loan servicer. We received a notice that our payment was overdue even though it was clear that the check had been cashed which was sent to the loan servicer by our Credit Union. We use the online payment system of our Credit Union because of its reliability and digital documentation of all transactions. I am concerned that this loan servicer is trying to create a paper trail indicating that we do not pay our bills when due and that this could be a pretext for foreclosing on our home. All of our bills are paid online and documented by our Credit Union. This is the first time ANY mortgage loan company has ever indicated that our monthly mortgage payment is overdue. We have held mortgages for over 40 years and are distressed that a company would claim that our mortgage is overdue. It is not!

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 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received an email on XX/XX/2023 at XXXX XXXX  CST from an email under the domain of " XXXX ' stating how a new tradeline had been opened under my name. It was asking me to sign in the view the 'critical change ' on my credit report. I did not click on the link to sign in, but rather called my bank to confirm if this was true or not, to which it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have reached out to The three credit bureaus and the original creditors to try and fix this issue and I either get hung up on or flat-out ignored. XXXX XXXX told me they were going to correct it and made me wait 10 business days to see the change only to get nothing and be flat out IGNORED! I sent out letters to them to correct this issue and have not heard anything in response to my letters. This is a violation of my rights as a consumer and is gravely impacting me. I was never late on this account and need this error fixed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -15 U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 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. the accounts i am talking about are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also attached my identity report from the ftc to this complaint

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 2023-03-11 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: IL

Complaint narrative:
The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-03-11 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: IL

Complaint narrative:
The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I got an email stating my account has been frozen. No one will tell me anything and I'm being treated as a criminal. 

I've had an account with Ally for many years. I just opened a checking account with them so I can switch banks and now I have over $ XXXX in their institution and do not have access to it because they froze the account. 

Absolutely NO information has been given to me. 
CS Reps were super rude and unprofessional ( except the last lady I spoke with ) I am being old it will take 30 days to get a call. That is unacceptable. 

I have bills to pay, mouths to feed and accounts to manage. 

Anytime I've had an account frozen, it's fixed with a phone call on the same day. 

I demand an answer.

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 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AFNI INC.
State: CA

Complaint narrative:
Last year on XXXX XXXX, 2023 I believe that's the excact date. I personally let my boyfriend borrow my car beacuse his car was at the shop. Unfotunatly a car hit my boyfriend. My boyfriend was confuse beacuse he never hit the car and didnt knew about it until the guy started yelling that he hit him. So my boyfriend told him no i didn't he isnisted yes you did. So my boyfrien pulled over and waited for tge police officers. To arrive. Me without knowing about insurance my boyfriend wasn't able to drive it if he wasn't under my insurance. Well for my luck that month i paid a part of my insurance and gave the other part late. 2 days well they took it as i didn't had insurance. They took it as i was with no insurance i still had full coverage 3 month after the incident until they kicked me off my insurance beacuse my boyfriend was driving it. My boyfriend gave all his information with the police officer. And gave his insurance to him and everything. But AFNI is on behalf of XXXX XXXX XXXX. Has been coming at me since the car is in my name and under me. They want XXXX out of me, since then they been harrasing me, and threating me if i don't pay they will cancel my insurance and report me with the dmv to revoke my D.L. their was no total lost on the on my nor the guys their was no medical emergancy Nor nothing. only a bit of paint scruff that got on my car their is no dents neither. I have already took the guy to court now just waiting to get him served.I just don't want my D.L canceled or my insurance i commute on highways everyday to get to work. And afni acussing me without knowing who was at fault And sending me to collecting for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: WI

Complaint narrative:
15 usc section 602 states I have the right to privacy 15 usc section 604 A Section 2 : it also states a consumer may not furnish an account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card and or open -end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. I never filed for bankruptcy. 
Please investigate and provide verifiable documentation of the : DATE of last activity. 
Pursuant to Fair Credit Reporting Act, this item should not be reflected on my credit file. Please update credit report once you have completed your investigation...

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 2023-03-11 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
The company Phoenix Financial Serv has sent a negative report to the credit bureaus on XX/XX/2023 and I don't know why, or what they mean by this value or this charge, besides not recognizing this report, there is no evidence or evidence in my hands of being notified. I do not accept this violation of my rights as a consumer and I am abiding by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair credit reporting Act Freeway funding 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 a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for 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 explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Delete from credit report

Company response to consumer: Closed with explanation