vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
The responsible party for the vehicle is the owner of the account but they keep garnishing my pay wages when I have asked for the account to be closed after 7 years of reporting. Its old and still affecting my credit.

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 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
My dad was contacted via email ( XXXX  is part of his email ) today with credit collection information that contained private information about the debt collection to his email. I have never received an email on my email about this or anything. Yet somehow they used an email with family members name in email to contact me while talking about the debt and debt collection and also threatening legal action. 

Under the act they should never sent the email to my father Im XXXX XXXX XXXX and live in another state plus never used that email ever. But they falsely sent that email I have pic from XXXX about it with a lot of private info that is against the law to share with family members. 

Below is attachments from messenger that my father who owns email sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian ID Works is doing credit monitoring as a result of data breaches by two entities. Their system can't handle this. I tried to have them set up two accounts for the two data breaches, but they told me it was impossible. When I tried to log in, I am effectively locked out of my credit monitoring accounts. When I tried to have this corrected ( today, on XX/XX/2023 ), they required me to have the code that came with the letter from the party whose data was breached. I had already shredded the letter so I no longer had the information. And, they said they couldn't work backward to discover the incidents for which the entities bought data breach coverage.

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 2023-09-15 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: 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, Account name : # XXXX, Account name : # XXXX, 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 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.

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 2023-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP
State: LA

Complaint narrative:
Requested that they stop calling me as they have no information pertaining to my issue. They stopped calling for a few days and then started again. They call multiple times per day and if or when I answer the phone, nobody says anything and they hang up in my face.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/2023 I initiated a money transfer in the amount of {$240.00} from my XXXX account to my Regions Bank checking account, upon checking my bank account the funds never appeared! I contacted Regions bank immediately and I learned that this particular account had been closed due to inactivity as I was unaware and Regions Bank never notified me electronically that account had been closed, of course if I had been made aware I certainly would not have sent funds to this particular account! So when speaking to bank representative she said funds would be rejected and sent back to XXXX I waited for about 72 hours before contacting XXXX as it was XXXX of XXXX that Tuesday and process would take longer due to holiday! When I finally was able to speak with XXXX money had not arrived back to them and I explained the situation to them that bank account had been closed without my knowledge and they said they would open up a case and do a trace to see and try and locate money. A few days passed and XXXX got back with me and according to their investigation Regions Bank had received funds, I contacted Regions once again made them aware of what XXXX had said so the bank representative did a deep dive more or less to no avail on the whereabouts of the money! I then did a 3 way call with both regions and XXXX so that representatives could speak on phone as I was present and try and figure out the situation both pretty much blamed one another as XXXX had not received funds back and XXXX told regions representative that after their investigation the money had been accepted! In subsequent days and weeks I did two more 3 way calls with Regions and XXXX and still had zero answers as to where money was! I have physically visited a Regions Bank branch to get a resolution to the problem and got pretty much the same answers as on the phone! XXXX also told me they had exhausted all options as they did a total of XXXX additional traces of the funds and continued to say Regions bank had accepted the money! It is now XX/XX/XXXX at the time of this writing and still have no answers nor my money that is rightfully owed to me by one of these corporations!

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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-09-15 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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I tried to deposit XXXX dollars a few weeks ago. The machine ate my money and timed out. I had no credit to my account!!! So I called the bank and the police and I was credited a few days later for XXXX. I got a letter about a week ago saying that they conducted an investigation and there was no error on the machine but the cameras will not lie!!! 

So now my account is minus. I am XXXX on XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I also never got {$300.00} bonus for opening my account. The branch manager never returned my call. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

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.

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 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I found an apartment for rent I was interested in on XXXX. I contacted the apartment and they said it was available but I wouldnt be able to tour in person until the XX/XX/23. XXXX XXXX provided me with a video of the apartment in the mean time. I liked the video and proceeded to apply for the apartment. I went to where the apartment to see that it was a real apartment and a real address but never entered the building because I was told the tenant was still living in the studio apartment. I filled out an application on XX/XX/23 and was told I was approved on XX/XX/23. I received the lease on XX/XX/23 and signed it. On XX/XX/23 {$1200.00} for XXXX months rent and {$1000.00} for the security deposit so it was {$2200.00} total. I received a banking routing and account number to send the money to through Wells Fargo and also received the address associated with that account to process the payment. He said the payment was received and I would get a receipt. On XX/XX/23 I did not receive a receipt so I emailed again and he said he would send it by Friday XXXX. I still did not receive a receipt so I proceeded to send follow up emails. After a couple days I got worried and went to the address to try to speak to someone. On XX/XX/23 I spoke to the super in the building and he told me all apartments were occupied and that there were none for rent. I saw the building information in the lobby and realized it was not the same landlord that was on the lease I signed so I realized I was scammed. On my lease was the land lord was XXXX XXXX but the building is actually owned by XXXX XXXX XXXX XXXX. I reported this to my bank right away but unfortunately they said they couldnt recover the funds. The case number from my chase bank is # XXXX and the trace # is 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 2023-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX please remove the inquiry 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 non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
OK, Capital One Has a Colored Picture of my Drivers License back in XXXX or XXXX of XXXX both sides. Now they wanted my new one it's the same as the other on and has the Very Same Info and same name & address So, I tried over XXXX times to do just that! At my Bank. They claimed it was too blurry most of the time then other reasons, meanwhile, I got their bill of all FEES {$67.00} for the month of XXXX last Month I sent them {$37.00} and I Do Not owe them that payment and I can Prove that and I did so by send them a letter with my XXXX XXXX XXXX XXXX and XXXX Bank Statements for XXXX and it shows I had made payments every Month up until their Auto-Pay with Card ending XXXX Silver Card Stopped Working Due to their ID Presintation Idea And the payments I sent them by Check from my checking Account Shows my Sign as my license is singed the same way as the check! I sent them copies of my valid licence and my EBT card as well and bank statements I had to buy a new phone and cards and sim card the old phone XXXX is Dead! And they XXXX Fix this Thing ASAP! I am Not Paying them those FEES! And I Want my {$37.00} Back I Don't owe it period! And they caused me to Lose my Way to Open my Account with the XXXX I wanted to Retire I Just turned XXXX The XXXX has my old cell # that don't work anymore so the XXXX sends me their Codes to my XXXX and now I Can't get into my own Account Because of this Screwup!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed that there are several unauthorized inquiries and accounts from your company on my credit report. I have not authorized any of these inquiries, and they were not made for any permissible purpose. According to the FCRA, any inquiry made on my credit report must have a permissible purpose, and I have the right to know the purpose of each inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: IN

Complaint narrative:
On XXXX XXXX around XXXX in the morning I used my cash app card to pay for a XXXX car wash at XXXX XXXX XXXX store # XXXX. It took XXXX dollars from my account and then adjusted it to XXXX. I did not receive any money back. I contacted the store, and they said it's on cashapp to fix it. Cash app says it's on the store to fix it. I was then told to provide cash app with a receipt which could not be done since I paid at the carwash and not in the store. I was told to provide information to cashapp and they would fix it. I provided that information today and now they are saying that it isn't there problem, it's the stores. And I have to wait 3-14 days to get my money. I'm in the process of moving and I need that money. It was EVERY XXXX I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: LA

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.

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.

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 2023-09-15 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: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I have reached out to the following account below and talked to them about the issue with my account as reported by the PROFESSIONAL FINANCE C. They have advised me that they will remove this on my credit report and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the PROFESSIONAL FINANCE C came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report wherein this account has been paid already. I have included in this complaint FTC report with the report number XXXX for your reference.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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