vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My equifax credit report is showing an inquiry that does not belong to me. I am requesting that it is deleted immediately as it is adversely effecting my score. According to FCRA law equifax should not report inaccurate information. I am requesting that they delete XXXX inquiry immediately. 

XXXX is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately. 


XXXX is reporting inquiries from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. I am requesting that these inquiries be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist I've contacted these companies several times still nothing no response just continue to violate my rights. 

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
Applied for balance transfer with Navy Federal Credit Union on XX/XX/2023. Promotion page stated I would receive 2.99 % interest with no balance transfer fee for XXXX months. 

NFCU proceeded to not honor promotional terms I agreed to, started charging 10.75 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of TransUnion on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required corrections : Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Request : This account was never late. Please correct this inaccurate information on my credit report. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Request : This account was never late. Please correct this inaccurate information on my credit report. 


Inaccurate Account Information Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Request : The reported balance of {$7300.00} is higher than the balance I remember. Additionally, as this account is closed, the past due amount should not be provided. I intend to address this misleading data with the creditor directly. In the meantime, please mark this account as disputed while I work towards finding a resolution. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} Request : The reported balance of {$42000.00} is higher than the amount I recall. Furthermore, as this account is closed and charged-off, the past due section should be removed. I plan to discuss this matter with the creditor to clarify the reported data. Please mark this account as disputed until the appropriate corrections are 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was charged extra amount for my car loan through Wells Fargo. My car was also repossessed by them during a lawsuit that I was never compensated for. I tried to contact Wells Fargo but they dismissed my calls. Please help me to find out why I was not included in this lawsuit. 
Thank you, 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 explanation
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: Westlake Services, LLC
State: IL

Complaint narrative:
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as 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 2023-07-07 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: EQUIFAX, INC.
State: FL

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. 

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-07 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: FL

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. 

has violated my rights. Or list of inquiries 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 XXXX 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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX PayPal Credit : I made a payment last month for {$110.00} when I did this, giving them XXXX cents extra, they raised my minimum monthly payment due {$110.00}, instead of {$110.00}! They do this every time I give them a little extra ; this has happened before! I gave them extra because of my XXXX and I didn't want to be late with my payment. 

And, the other problem I'm having is that when I purchase something and it rises to the {$100.00} value mark or more, I have until XXXX to pay it off. I'll make my minimum monthly payment due approaching the XXXX mark. And, I'll make my payment and they'll tell me I'll only have to pay the minimum monthly payment whether it's higher or lower, and the bill will be satisfied. And now for some apparent reason they have stop that, and are charging me more! 
And, XXXX time I paid them early near the first of the month trying to show my appreciation because my bill isn't due until the XXXX of each month ; and they took the money out early and caused my account to go into a XXXX state and myself and the bank were very upset! 
And another time, I have to check behind them if I'm given a refund from XXXX or XXXX, I'll have to physically call them to make them apply the refund through the back office, or they'll charge as if there were no refund! 

I'm angry, and I think they are taking advantage of me because of my XXXX, I'm a good customer and has never been late with my bills! 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: FL

Complaint narrative:
Key 2 Recovery has kept calling me this week even after I submitted a complaint to CFPB and they responded saying they have no record of me owing any debt. 

They called again this morning, I explained the situation and confirmed once again with them that my social security number is not the one associated with the debt they are trying to collect. 

At this point I consider it harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I have an account with 1st Franklin Financial for a XXXX $ loan. That somehow became a XXXX loan. They also had me put my XXXX  up as collateral on the loan. Issued insurance on the vehicle that I had to pay, I had no idea that I would have to pay for. I had a previous loan with the company the balance was XXXX when I applied for the new loan.I make my monthly payments and I also make overpayments. When checking my payment history I noticed that my overpayments have been pooled as a partial payment. Which is not being applied properly which costs me more in the amount of interest being paid on the account. I spoke with the manager and she explained on XX/XX/23 that my per diem rate on the account was {$3.00}. That's about $ XXXX  monthly. Today when contacting the company I received information that my XXXX XXXXXXXX was {$3.00} on the loan. My problem is that my overpayments are not being applied to my account which keeps the interest rate higher than it should and prolong the life of the loan. At this point I am not paying any more money until we can get this situation rectified. Loan rate is XXXX % which is extremely high by any standard. And my credit score is in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: GA

Complaint narrative:
Per 15 U.S. Code 1681i and 15 USC 1681a ( d ) ( 2 ) ( i ), I demand Transunion remove all of the adversely reported items from my consumer file. It is inaccurate information and is adversely effecting me, which is a violation of the law. I have Opted-out of all the accounts being adversely reported with the companys associated with the accounts. Per 15usc 1681b, Transunion does not have my consent to continue to report the adversely reported accounts. I have sent a Notice of Dispute on XX/XX/23 to Transunion. Per Transunions SUMMARY OF RIGHTS section, I a notifying you that the adverse information is incomplete and inaccurate! All information in this complaint is to be used for investigation purposes only for CFPB and Transunion.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
According to Transunion 's own website at XXXX XXXX XXXX they say, " If youre trying to pay down debt, shooting for under XXXX  % utilization is a good goal, but the lower the better. '' Yet, my XXXX  card debt went from XXXX XXXX XXXX XXXX  % - not even XXXX % - and Transunion took my score from XXXX to XXXX. This is ludricous. Why is the XXXX % suggested as a " good goal '' when they drop your score by nearly XXXX points for utilization of less than XXXX percent?? That's extremely misleading. How is that fair? I'd hate to see what happens to my score if I get to XXXX % utilization. 

It's gotten to the point with the credit reporting agencies that if you spend any amount on your credit card, they drop the score. That didn't used to be the case. That's not exactly motivation to even have a credit card, much less spend XXXX. Regardless, XXXX points is an unfair standard for the amount of utilization. I discovered this score drop from XXXX XXXX XXXX. I have never ever seen my score drop that much from credit use. The other reporting agencies certainly have never done this. This also happens to be my second complaint against Transunion in XXXX years.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The company decreased my credit limit and caused my usage to report at XXXX percent, ( if you use over XXXX percent of your limit your credit score will decrease ) My initial limit was XXXX I made purchases of XXXX and before the Bill was due I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid XXXX, My credit limit was decreased to XXXX ( while I was in the middle of purchasing a home ) so this caused my score to drop and I can lose my down payment on a home purchase.I was not notified in a timely manner so I could take any actions to avoid the problem.I don't have any lates on my credit to cause my limit to be decreased.

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was not included in the class action lawsuit settlement. I had a XXXX XXXX XXXX  account with Wells Fargo from XXXX to the present time and I have used the ATM in many occasions. I just learned that there was a class action lawsuit and that account holders during the time frame I mentioned were entitled for compensation due to incorrect fees incurred while using ATM and such.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate information on my credit report, which I previously reported to TransUnion on XX/XX/XXXX. However, I have not received any response from them to date. I kindly request your assistance in addressing this matter. 
Below, I have outlined the details of the inaccurate information on my credit report, along with the required corrections : 1. Inaccurate Account Information Account Number : XXXX Company Name : XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$370.00} Issue : The late payment reported on this account is incorrect. This account was never late, and I request that the late payment be removed from my credit report. 


XXXX. Account Not Mine Account Number : XXXX, XXXX Company Name : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3600.00} Date Opened : XX/XX/XXXX Issue : This account does not belong to me, and I request that it be removed from my credit report. 


XXXX. Account Not Mine Account Number : XXXX Company Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account does not belong to me, and I request that it be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, OH XXXX The above mentioned company ( XXXX ) submitted a credit inquiry for my personal info unsolicited to TransUnion. I never heard of this company and when I attempt to contact them by their listed the phone number, the call gets disconnected. It appears to be a fraudulent company that is gathering personal information.

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 2023-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Movement Mortgage LLC
State: PA

Complaint narrative:
Divorced and now ex spouse lawyer is trying to strong arm me into giving me 12 months credit history of my va mortgage to ex spouse mortgage company through the court. I believe this is a violation but can not seem to find law on this. Through court ex spouse has to obtain a new mortgage. Do I have to provide my credit history to her new mortgage company. ( Movement mortgage ) it has been over a year that she had to obtain a mortgage. What can I do or please point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: GA

Complaint narrative:
i rented a storage unit, paid the initial move in fees but moved out within weeks due to change of plans.I returned the key to the front desk and they closed the account as i requested. Two months later i started receiving calls and a letter from ALLIED INTERSTATE LLC collection agency requesting payment for {$97.00}. I contacted XXXX XXXX and they confirmed that it is an error and that i owe nothing but the collection agency is still trying to collect a debt. PLEASE INTERVENE.!!!.

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 2023-07-07 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: IL

Complaint narrative:
My XXXX credit report is showing an inquiry that does not belong to me. I am requesting that it is deleted immediately as it is adversely effecting my score. According to FCRA law XXXX should not report inaccurate information. I am requesting that they delete XXXX inquiry immediately. 

XXXX is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately. 


TransUnion is reporting inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX  XXXX. I am requesting that these inquiries be removed immediately.

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