vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Today, XX/XX/23, I tried to make a payment on one of my family credit cards. We were the victims of bank fraud this week, so we had to move money around and open new accounts, so I didnt get to the site until the afternoon of the due date, about XXXX local time ( XXXX XXXX ). Oh, but apparently Discover has decided that the only valid time zone is Eastern, so they shut down payments at XXXX XXXX. So I cant make a payment today, the day Im actually paying. Nope! The payment will be applied tomorrow and well be charged a late fee. Calling them made no difference, though they did agree to waive the late fee. You know, just this once. 

This is a disgusting, predatory racket that allows them to charge people unwarranted fees and negatively impact peoples credit scores. I work with other banks and entities that accept bills as paid up to midnight local time. All banks should be required to do so in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX  account 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

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 2023-02-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX  account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
accordance with the fair credit reporting act XXXX  account # XXXX /account # XXXX, has violated my rights. 


15 u.s.c 1681 section 602 A .states i have right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express Platinum Business Credit Card. I purchased a business in XX/XX/2021 and received a pre-approval for this card. I used the card to purchase items for the business. I did not realize that the entire balance of the card had to be paid in 30 days. I spent $ XXXX on business start up expenses. Obviously I thought I could finance this but I was wrong. I called American Express and negotiated a $ XXXX payment plan to pay off the balance. I make one {$500.00} payment. Then 15 days later, they turn the debt over to a collector who will not stop calling me. I callled American Express to investigate and they still have yet to investigate ( listening to the call where I set up the payment plan ). They have no record of the payment plan and refuse to work with me. My credit has now dropped over XXXX points incurring real damages to me by the inability for me to finance my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I opened the business account with the company name and Bank Of America Withdrew XXXX dollars without my knowledge, I came to know 3 months later about this.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am eligible for a payout due to higher interest fees that shouldn't have occurred on my current car loan with Wells Fargo. I have had a car loan with Wells Fargo in the last 5 years and my payout is eligible if I had a loan between 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 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is about Claim # XXXX which BoA denied. {$2500.00} was sent erroneously to a " XXXX '' on XX/XX/2022 and I've been told that the bank can't help me. This transaction was covered under Reg E so I should be compensated if the bank can't recover the funds.

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 2023-02-01 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: MD

Complaint narrative:
On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
After pulling my credit reports I discovered inaccuracies on ny reports. I reached out to these companies to verify accuracy with dates opened, dates closed and reporting dates and amounts. 
15 usc 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account info without written instructions. 
My account information was shared with other companies without my consent also information such as dates and amounts are inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via XXXX different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE XXXX XXXX CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT 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 2023-02-01 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

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

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

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any 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 2023-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
FedLoan Servicing sent me mail that should have arrived per Informed Delivery on XX/XX/2023. The envelope states that it contains tax documents, and I imagine it has my XXXX inside. I believe the letter may have been lost by USPS. I attempted to find a phone number at PHEAA for FedLoan Servicing but was unable to do so. I was able to speak to XXXX at AES ( employee ID XXXX ) who was able to provide information about mail correspondence being redirected to my current servicer ( XXXX ) but I was hoping to be able to call or email someone at PHEAA in relation to FedLoan Servicing to receive a new XXXX ( or other tax documents mailed in XX/XX/2023 ). She did not have any contact number. My understanding is that the servicer where payments were made issues tax documents, even if it is a former servicer, so FedLoan ( or PHEAA ) should be the appropriate place of contact. I am unsure how to contact them correctly to obtain the tax documents mailed last month. I would like PHEAA to resend the tax documents or provide another method for me to access my tax documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I received an text message to my cell phone stating that I may be qualified for a trade-in through ( XXXX XXXX XXXX Sales XXXX it gave me an option to do prequalification to see what I may qualify for in the trading process when I did so I was offered {$23000.00} for my prequalification amount and I spoke with a representative the next morning and she did a hard inquiry without my consents I stated to her that I would like to speak with the billing department so I can understand the terms and conditions she said she would call me back with the info next thing I know I received a hard inquiry on my credit report less than 24 hours without anyone calling me back I spoke with the supervisor she stated that she could give me email to the credit bureau agency so they can dispute the process the information she gave me was invalid I was not able to get in contact with anyone My whole concern is false advertising on their website stating that its a pre-qualification when they intentionally using your information and pushing it through as a hard inquiry before you even speaks with finances about your trading process thats completely illegal and against the law and I want this removed off my credit report immediately and they continue to send me text messages about me trading my car in which now at this point is a Nuisance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I can not log in to my account with Experian. Their system does not recognize my email nor either of my back up emails I have had for years. When I enter " forgot user name '' and I'm asked to enter my birth date and social security number. Their response is " sorry this does not match ''. My birthday and SS number has never changed in my 80 years. They offer no alternative to my dilema, I'm simply locked out.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Fee 's were not reimbursed and as a result checking account was closed

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 2023-02-01 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: NC

Complaint narrative:
I would like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report.

The 7 companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: MO

Complaint narrative:
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Your company also did not send any information regarding this alleged debt to me which is also a violation. 







Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: PA

Complaint narrative:
Over the last two months, Harley Davidson Financial Services has called me 125 times ( 53 in XXXX, 72 in XXXX ), In the last week alone, they have called me 33 times. At the time of this writing, they have called me 5 times today. Four of those calls were between the hours of XXXXXXXX XXXX and XXXX XXXX. I typically work 8-12 hours shifts between the hours of XXXX to XXXX. I can not answer my phone at work unless it is official business or an emergency. At this point, I consider this HARASSMENT by a creditor.

Company response to consumer: Closed with explanation