vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 
The inaccurate information is a US DEPT of EDUCATION LOAN with a balance of XXXX, which was allegedly opened in XXXX XXXX and another US EDUCATION LOAN FOR XXXX which was allegedly opened in XXXX XXXX these items are inaccurate. According to CRA 15USC ss1681 ( G ), ( N ), ( O ), ( E ). This in accurate information being on my credit report is against the law, and they are liable for civil against them for violating my rights and creating hardships in my day to day life and trying to excel. I demand that these items be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: LA

Complaint narrative:
This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an account with Wellsfargo and several days later they closed my account for no reason. I had initially funded it with {$50.00} and wellsfargo pulled the money from my bank account but never returned it. Called then multiple times and they said the check was in the mail or they never received it. Got runarounds from different department. Never would bank with them again

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 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I am having an issue with Headway Capital. I obtained a line of credit through them in XXXX of XXXX, and since then, in addition to using the email I authorized them to use, they have been sharing confidential financial information with an email I never authorized them to utilize, which is linked to a former employer and now competitor of mine. These emails are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made multiple phone calls and have been assured multiple times that this mistake would be corrected, but to date, no corrective action has been taken on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have/had 2 credit card accounts with Bank of America since XXXX. I had been charged annual fees on both accounts until approximately XXXX. When I called and asked why I had been getting charged an annual fee ( on both accounts ) and what benefits I gained from having to pay these fees. I was informed there were no benefits and they didn't know why I was being charged. I asked for a refund of all the fees paid, but was denied. MAYBE the exception was the current year 's fee, but I don't remember for sure. I wrote a letter of complaint and was further denied. A representative did call me and we spoke about it, but was told I waited too long to request a refund. I was not happy, but had no choice but to accept it. One account has been paid in full since, but there still is an active account with them now.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For some reason I can not get anyone at experian to help me. When I login to experian to unfreeze my account it has me in a loop. My account is broken. I call up and there isnt an option to help me fix it with the automated system. It is telling me to reset the password. I have my password it is logging in but it logs me right out. Not being able to fix this and not being able to talk to someone who is in control of my data is just wrong. How can you allow a company this much power and not able to get someone on the phone? I need to buy a home and I am not able to unfreeze my account. I will lose out on this house because now I have to rely on US mail to get their attention with no date insight. This is just not right. Here is my login. video attached.. I have freezed my account years ago. I have my unfreeze pin. why can't I login? No one to call I am in limbo... Experian needs to be punished for this ... Help me please...

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 2023-03-27 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: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. I am requesting that all reporting 's including but not limited to all late payments be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: MI

Complaint narrative:
XXXX XXXX account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX  account XXXX Account isnt mine never authorized the account XXXXXXXX XXXX account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am being harassed by this company after the case was dismissed in court since XX/XX/2022. I've contacted one of their attorneys XXXX XXXX at XXXX and they are still sending my information to all credit reporting services saying that the case is still open. I have the dismissal letter from the court. 

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: TX

Complaint narrative:
in accordance with the FAIR CREDIT REPORTING ACT..XXXX acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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:
in accordance with the FAIR CREDIT REPORTING ACT..XXXX acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: AZ

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
2 weeks ago I was convinced to sign a contract for a XXXX XXXX at XXXX XXXX The consultant told me about the procedure and the price for the service. She told me that the cost of the treatment will be {$3300.00} and I was like no I can't afford that and the She told me that a lending company can finance my treatment. She also told me that after I get approved of this loan, they will charge me 3 months after i get the first treatment so I was like that a good deal and so I ended up signing the contract. The next day I decided not to go through with the treatment so I went to the XXXX XXXX XXXX and canceled my booking. On the same day I also message fortiva to close my account since I'm not charged of anything. Fortiva replied and they said that my account was closed. Few days later I got a notification from my bank that my credit score dropped. So I was like I've been paying my bills on time the might have caused this. So I immediately thought of my closed account at fortiva. Just to make sure that the account was really closed I tried signing in and it worked and I saw a big fat charge of {$3300.00}! I'm shocked. So I called ideal image and told about them about the situation and they told me that they have a NO REFUND POLICY. Since I signed the contract I acknowledged this policy. So I was like okay thats fine maybe if I got a partial treatment but since I didn't get any why am I being charged and he was like well the only thing you can do is to prove that you are medically unable to do the treatment like for example you are XXXX or you have a medical condition that will not allow you. He was also like its gon na hard to get a refund and it will take a lot of time, like weeks to months. If you don't want to do the XXXX treatment then you can just call XXXX XXXX to exchange it to another service. And I was like no I don't want to get scammed again. Thats why I'm reaching out to you hoping that you can help.me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: GA

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 XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX 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 explanation
Consumer complaint received 2023-03-27 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2023-03-27 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: TX

Complaint narrative:
These are additional details to a report already sibmitted. A week before a hard inquiry was made on my report I spoke with a member from transunion customer service to ask them not to share my info with 3rd parties because it ends up on public record sites. This employee was from XXXX, and responded that as a solution to this, he would place a fraud alert on my transunion credit report and notify the other credit bureaus. This call happened on XX/XX/XXXX around XXXX XXXX. The transunion employee asked for my full name, date of birth, and social security number to add the alert to my account, which I provided. I did verify the phone number I called was a legitimate transunion business number of ( XXXX ) XXXX. On XX/XX/XXXX I received an alert of a hard inquiry on my credit report. The company that made the inquiry responded to CFPB that they received an application for a credit card named XXXX XXXX by XXXX XXXX. I contacted XXXX XXXX account protection team who confirmed that an application was indeed submitted with my full name and social security number with an out of state address different than my own. In all my XXXX  years of living on this earth nothing like this has ever happened. I do not apply for credit cards or loans as I have no use for them and have never had XXXX. The last person who had access to my personal info including social security number was the customer service representative from transunion. I strongly believe this employee may be using customers information fraudulently since he has acess to it through the company. I had not done business with anyone else in about XXXX  years regarding my social security number. This is the XXXX  time something like this has ever happened to and I don't willingly give personally identifiable sensitive information to just anyone.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had a charge of {$11.00} on my XXXX statement due XX/XX/23 for a purchase made in XXXX I got busy and forgot to pay it on time. I called today to make the payment. At first the phone / computer said I owed {$11.00}. I went online to pay it. There, the balance was stated as {$24.00} : - my purchase {$1100.00} - interest : {$2.00} - late fee : {$1100.00}!!!!!!! 
How can a company justify DOUBLING a charge in one month? 

I contacted Lowes and they credited the additional {$1100.00} so in a sense it has been resolved. However my complaint is still valid because double an amount due for being 24 days late on a payment is USURY! 

When I spoke to an agent of Synchrony Bank ( who handles the credit card for Lowes ), she said this was the normal practice and " understood '' my upset but wasn't going to do anything about it. Of course the agent doesn't make policy. It is the executives of the bank who are at fault.

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 monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank, ( XXXX. address, I believe ), XXXX XXXX XXXX, XXXX, MA XXXX ( " Citizens '' ), has failed to record Discharges for two old, long-closed Home Equity Lines of Credit in my wife 's and my names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). The lines were for {$100000.00} ( XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ), and for {$300000.00} ( XXXX XXXX, PG XXXX, XXXX XXXX XXXX XXXX XXXX ). Both HELOCs have been paid off and closed for well more than a decade. 

Citizens ' neglect to record Discharges for both HELOCs, turned up in a Title search conducted as part of our application for a loan with XXXX XXXX XXXX- I confirmed the problem with my own view of the XXXX XXXX XXXXXXXX XXXX XXXX 

My efforts to resolve the problem with Citizens XXXX Home Equity Department met only with being transferred to other phone numbers, and disconnected ( multiple times ). 

Our loan application is being held up because of Citizens past and ongoing failure to fulfill its legal obligation to Discharge the two paid and closed HELOCs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tally Technologies
State: NY

Complaint narrative:
XX/XX/2023 it has a Tally Technology credit card amount of {$3400.00} on my credit report. I dont have a Tally account nor did i receive any money from Tally. 
I was told the account is XXXX. I dont have a Tally account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation