vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: 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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
applied for unsecured loan denied.

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 2023-02-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-25 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: AZ

Complaint narrative:
On XX/XX/23 I submitted a CFPB Report ( # XXXX ) My complaint against Equifax was Exercising my Federally Protected Consumer Law Rights which included : 15 USC 1681, 15 USC 1681 sec 602A , 15 USC 1681 604A sec 2 , 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ) ( see Consumer Law definitions ) Equifax received the CFPB complaint & sent a letter requesting Identifying Documents ( Driver License, SS card, Bank Statement, W2 Form ) in order to process my complaint, which was Specifically Noted to " Delete Listed Accounts '' violating my Federally Protected Consumer Law Rights. I sent all requested documents to Equifax via Registered Return Receipt Mail & All signed and included documents were Notarized ( see attachments of receipts ) Equifax in defiance of my Complaint and Federal Law, processed my complaint as a " DISPUTE '' which they have repeatedly done on Every Subsequent Request and Failed to Provide ; " Paper Documentation with wet signatures on contract or other forms which I Requested Method of Verification or Validation ''. Equifax then sent a response letter dated XXXX XXXX to me stating " We Were Unable to Locate your Credit File '' ( see attached letter ) However, Equifax was able to Verify said " Disputed Accts, Update my Credit report and send me a Copy! ..Equifax continues to Violate my Rights and lies about my Credit File not Found in order to Subvert Complying with Federal Law. I herby am Declaring Identity Theft as Reported to FTC ( see attached Report # XXXX ) due to Equifax Blatantly Violating Federal Law under Permissible Purpose 15 USC codes defined above, which states clearly " A Reporting Agency Can Not Furnish an Account Without My Written Instructions '' The Following Accounts violate this clause : The XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX  acct # XXXX Also Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Now this again is Not a Dispute-Not open for Debate..This is Federal Consumer Law and Reported as Fraud to the FTC. According to Law Equifax has 4 days from receipt of this Complaint with Attached FTC Identity Report # XXXX ( See attached ) I would Expect CFPB to Protect My Federally Protected Rights and Not Allow Equifax to Subvert Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT GROUP IS TRYING TO COLLECT A DEBT FOR XXXX XXXX THAT ACCOUNT HAS BEEN CLOSED ALSO I NEVER GOT NOTIFICATION BY MAIL EMAIL PHONE CALL STATEING IT WAS TURNED OVER TO MIDLAND CREDIT GROUP I NEVER COULD HAVE PUT IN WRITING OR EMAIL ABOUT WHY I AM DISPUTING IT ALSO NOBODY FROM XXXX XXXX NOTIFIED ME MY ACCOUNT WAS SOLD TO MIDLAND CREDIT GROUP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: FL

Complaint narrative:
I XXXX XXXX DECLARE THAT ON XX/XX/2023 I BOUGHT A CAR AND OBTAINED A SUPPOSED LOAN FOR A NEW CAR FROM THE VOLKSWAGEN XXXX BRAND, BESIDES THEY PRESSURED ME TO ACCEPT A DEAL THAT THE SAME DEALERSHIP KNEW THEY WERE MISLEADING ME BY CHARGING ME MUCH MORE OF THE VALUE OF THE CAR GIVING ME EXTRA FEES AND WARRANTIES THAT I DID NOT ASK FOR WITHOUT CONSULTING ME FIRST, THEY WANT ME TO END UP PAYING {$63000.00} DOLLARS INCLUDING FINANCING AND TAXES FOR A BASIC CAR MODEL THAT LOSES A LOT OF ITS VALUE ON THE MARKET. BESIDES I DON'T LIKE THE SUV THE SEATS ARE VERY HARD AND OF LOW QUALITY AND I DON'T FEEL COMFORTABLE I ONLY HAD IT FOR 5 DAYS AND I ALREADY RETURNED IT TO THE DEALERSHIP I TRIED TO CONTACT THE BANK AND THE SAME MANAGER OF THE DEALERSHIP BUT THE VW BANK CREDIT HAS NOT GIVED ME ANY RESPONSE WITH THIS PROBLEM AND NOW I AM RECEIVING HARASSMENT BY THE DEALERSHIP THREATENING TO MAKE ME A VOLUNTARY REPO IF I DON'T KEEP THE SUV, I'M NOT INTERESTED IT'S A LACK OF RESPECT AND ABUSE AND I THINK OF PROCEEDING LEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
They are attempting collect a debt that i do not owe them. And they putting this account on my credit report and when i complain they take it off but to put it back on months later.

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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX, account XXXX, address XXXX XXXX XXXX, XXXX Ma XXXX, I have called XXXX XXXX on last XX/XX/2022 and cancelled my account because I already had XXXX during that time. I did pay my last bill and today I received a bill from Collection with the amount {$370.00}. I called them but they never fixed the issue. Please help me to dispute this bill. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a complaint concerning Wells Fargo overcharging me for banking fees and closing my account out for human error and not giving me ample time to rectify the problem.

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 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I received a payment from a friend for {$100.00} in XXXX on cash app when I cashed out I realized it was to a closed account. When reaching out to Cash App Customer Service was told nothing they could do & I needed to reach out to the bank. I reached out to the bank who made me aware that due to the account being closed the money was being sent back to cash app, I should see it back in my account within a few days. 7 weeks later money still isnt in my cash app account Ive reached out 4 times to Cash App after working with bank. 

First Attempt I was given a case # and told someone from investigating team would be reaching out Second Attempt was about a week after 1st attempt was told no update at this time would reach out to me when they had one Third Attempt was about 2 weeks after 2nd attempt I was told no update but my case had been prioritized they would be reaching out soon Fourth Attempt was 4 week after 3rd attempt I was told that my claim had been denied and they do not reopen denied cases so I asked what happen to the money when the bank sent It back their response was I have no new info to provide Customer server has been little to no help and now its starting to feel like Im not going to see that money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TN

Complaint narrative:
I didn't authorize or give any permission to these company pulling my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these XXXX items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from Equifax, XXXX and XXXX... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I finally paid off my full student loan to Navient in XX/XX/2022. I did so around the same time another auto-payment was being made causing my account to be overpaid by {$100.00}. I requested a refund in XXXX and they said they processed it and it would be returned to my bank account within a couple months. I never got the refund and have requested another update from them without resolution. What can I do to get my over payment refunded to me? 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
My wife was in an accident XXXX XXXX and we purchased her new vehicle XX/XX/XXXX. I traded my XXXX XXXX XXXX in on the purchase. XXXX XXXX XXXX stated they sent the payoff to US Bank shortly after the purchase. US Bank called stating my payment was late when it was not even a week late. I told them that the car had been traded in and they should have payment any day. They called again a week later stating payment was two weeks late. Again advised them of the trade and XXXX XXXX XXXX confirmed sending the payoff. Third call from US Bank and I went to XXXX XXXX personally and they sent overnight payment. US Bank got the payment then showed me 60 days late and closed account causing a XXXX point drop in my credit score which I am NOT happy about at all and want the 60 day late removed from the account and my score restored to what it was.

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 2023-02-25 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: CA

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, 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 2023-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working extremely hard to build my credit over the past few years to the point I now qualify to purchase my first home. I have put an offer in on a home and paid off a credit card that had a balance of approximately {$130.00}. Equifax then dropped my score because it was paid off XXXX points. I am now out of range to purchase a home. I contacted Equifax on XX/XX/23 @ XXXX to discuss this issue and how to correct it. After being transferred multiple times I spoke to a XXXX or XXXX who said there's nothing is gon na do about it and I asked several times to be transferred to his supervisor and the supervisor name to which he said no several times. He stated he is the supervisor and it stops with him. This is obviously a costly mistake by dropping someone XXXX points for paying off a credit card, not even closing it. I can now not continue with purchasing my home and will be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Three inquiries for new lines of credit were initiated in my name, fraudulently, between XX/XX/2023 and XX/XX/2023. The inquiries were attempted for XXXX XXXX ( one attempt ) and XXXX XXXX XXXX ( two attempts ). 

I have contacted Alliance Data, who provided me this information, and I informed them this activity is fraudulent. I have also placed freeze and fraud alerts with my creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. XXXX XXXX XXXX I'm frankly embarrassed that I didn't catch my APY drop from ~1 % APY ( XXXX ) during a low interest rate period, to XXXX APY ( XXXX ) during a high interest rate and inflationary period. 

I feel this is a bait and switch by Capital One. They don't even offer the savings plan they put me in when they acquired my high yield savings account from ING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Representatives from this company called multiple people that were close to me trying to locate me to serve me legal papers. Contacted people that have nothing to do with the debt. Told me to be home so they can serve me the legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: TX

Complaint narrative:
I never signed an agreement with 1st Digital/Synovus/Vt . I have contacted this company numerous times that i do not owe this debt and for them to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have had the same business PayPal account for 3 years. I have over the years used it for minimal transactions such as XXXX sales or sending money to and from friends and family. In XXXX of 2023 I started to use it as a means to send invoices for money due to me for providing XXXX XXXX XXXX  As I explained to PayPal I am an XXXX XXXX and considered a XXXX XXXX  of the business services provided. On XX/XX/2023 I sent an invoice to a client for services rendered. Shortly after that I received a message from PayPal asking me the nature of my account, for a business license and why I have the account to begin with and my account funds were unable to be withdrawn. I provided all of this information and then the next day I got another message asking for a list of the same type of information and I have already provided the information to PayPal. They have since froze my account with a balance of {$180.00}. I have tried to resolve this issue with them and it seems they are just trying to make it more difficult for me to get my money. I told them I wanted a resolution and my money released immediately and have not received a reason other than demands for more of the same information ALREADY PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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