vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have had a credit score as high as XXXX. I have been working hard to maintain my credit bureau reports; making sure that there are as few inquiries as possible. I rarely use my credit. For some terrible reason there were a number of fraudulent inquiries put on my credit report when I was in the market for a car. It took a lot or work to remove those inquiries so that in XXXX, there were only two inquiries on XXXX & XXXX on XXXX and XXXX. My credit scores were in the mid-700 range. Shortly after that in XXXX, I applied for two credit cards ; I should have been approved for both cards, but was only approved for the Citibank Mastercard. In XXXX, XXXX I decided to apply for a credit line increase so I could buy the futon. I called Citibank & was transferred to the voice activated system which told me they could handle the request w/out putting a hard inquiry on my credit reports. I hung up & called again. I decided to go through the voice activated system. I never spoke to a human. My request to increase the credit line was denied. Ten days later, I received a text message from XXXX stating they had received my request to increase my credit line and that it was denied and that was not supposed to have gone to the credit bureaus. I checked the credit report : sure enough, XXXX did a hard pull inquiry on my credit report and made the date retroactive to XXXX XXXX XXXX I called Citibank and complained vehemently. I spoke to a woman in the banking division who told me that all creditors have a form called a Letter of Deletion used to remove such things as hard pull inquiries. She took the information and promised she would forward the Letter of Deletion to the proper people to have the hard pull inquiry removed. They never removed the inquiry. I also have written two long letters to XXXX and the other credit bureaus explaining what happened asking them to remove the hard pull inquiry from Citibank and they have not. When I called the credit bureaus, I was told that Citibank is the one who has to remove the inquiry - which is actually not true ; because the live agents at XXXX, XXXX & XXXX were the ones who removed the plethora of hard inquiries when I attempted to buy a car in XXXX. Citibank has fraudulent & deceptive practices & I am extremely angry with them for lying and fouling me up as they did.

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 2023-04-01 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have very good credit and pay my bills on time I believe I owed either XXXX or XXXX cents on a bill I was out of the country I do not use this CC much when I came back I was billed for 2 times non payment then they refunded XXXX payment and said that was all they could do. So I canceled my card that day and asked what I owed and I paid the entire XXXX. I looked at my account later and it looked like I owed another XXXX cents I paid that now I have a bill of XXXX why??? They have a return check charge I have never had XXXX in my life. I do not understand they are trying to scam and when you stay on the line and want customer service they say this number does not have that. Extra points Comenity XXXX XXXX packer card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2023 {$8300.00} auto trakk is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: PA

Complaint narrative:
XX/XX/2023 {$8300.00} XXXX XXXX is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I received a notice from LCA SERVICES on XX/XX/XXXX in my mailbox. I have a scan from USPS Coming to my mailbox every day that shows pieces of my mail. I contacted the phone number at XXXX XXXX XX/XX/XXXX declared this was not my debt and that I needed to see an itemized breakdown of this supposed debt. I was told I would receive one in five business days. On XX/XX/XXXX when I did not receive such statement I called again and was told the company submitted the day before, and it would be mailed out the next day as of XX/XX/XXXX. I have not received anything from LCA services regarding the breakdown of suppose a debt from XXXX XXXX XXXX, who also started an eviction against me for the a different amount, dismissed that case and then started another, which has now into a civil suit since they have over $ XXXX in damages against me as a tenant. LCA Services uses multiple business names which is also misleading and deceptive in nature. At this point, it feels like discrimination and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an 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 2023-04-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: 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 XXXX XXXX  acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a 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 2023-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I filed a claim to Wells Fargo for part of the settlement since we did a short sale foreclosure of our home of 27 years due to Wells Fargo not properly handling the account. XXXX. It took them a month to answer my claim and I received the answer today. They denied their actions and lied several times about calling us etc. the 3 years we had problems after Wells took over XXXX. Years involved XXXX to short sale foreclosure XXXX. 
The female rep who called today was like a drill sergeant and she told me about several phone calls her computer said were made XXXX XXXX? Etc. and numerous notices which we never received. I think I would have known if they had called every day for a week - which they never did and I would have seen all the notices requesting info I never got. The many modifications or forms in a variety of years I sent they said they never received my faxes- or mail and there were many. The payments they said they never received and found a month or months later or not at all. The numerous turn over in employees handling the mortgages who disappeared and never came back. 

She did not have any answers for my complaints- she just made up scenarios as we went along. She did not deny my complaints just tried to say it was my negligence or perhaps my husband tossed the notices etc- which never happened. Wells Fargo was a good Bank - Now they are one of the worst. The settlement lawsuits means nothing to those of us who lost our homes and our cars. They are doing anything to ignore us. Thanks for reading- 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 2023-04-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-04-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputes attached XXXX is reporting an alleged open date of XX/XX/XXXX while Experian is reporting an alleged open date as XX/XX/XXXX for the same alleged credit card debt listed on my credit report. The accounts listed on my credit report have not been validated on neither credit bureau behalf. I am requesting proof which includes original documents baring my signature. 

For another account all three credit bureau are listing the alleged debt as a charge off. I've sent a dispute requesting for proof of the original documents baring my signature and received a response stating account has been " updated ''. Also listed on my report is says " unpaid balance reported as loss by credit guarantor ''. The alleged debt has been sold and the credit card company is in violation of laws listed in my dispute 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 2023-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have an account with TD bank. I make monthly payments for an outstanding line of credit. On XXXX I had an automatic payment set up but do to a computer error at the bank the payment did not come until XXXX, one day late. I contacted the bank and they advised they would pay the late fee so I contacted TD bank customer service to set up a payment for my other bank. I was told by a representative that because I was a valued customer the supervisor could remove the late fee. When the XXXX bill came the late fee was doubled to {$80.00}. I contacted the company two times in XXXX and was told a supervisor would contact me in 3 days ( they never called me ). In XXXX the late fee had become {$120.00} so I called 5 times during that month 3 times I will told someone would call me and on the fifth call I was told to dispute the fee and everything would be on hold until the claim was resolved. Over the next 3 months the late fee went up every month and no one ever contacted me. I even went into a TD bank location and was told they could not help me. I was forced to pay XXXX in late fees and they still attacked my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02 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: GA

Complaint narrative:
All three reporting agencies are reporting medical information on my Consumer report. This is a HIPPA violation and should be remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
All three reporting agencies are reporting medical information on my Consumer report. This is a HIPPA violation and should be remove from my 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 2023-04-02 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 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  ( Finance ), XXXX XXXX XXXX  ( Bank ), XXXX  XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX XXXX ( Finance ), XXXX  XXXX ( Bank ), XXXX XXXX  XXXX ( Auto ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and 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 reports containing any of the 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: IL

Complaint narrative:
In accordance with 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 ( Finance ), XXXX XXXX XXXX  ( Bank ), XXXX  XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX XXXX  ( Finance ), XXXX  XXXX ( Bank ), XXXX XXXX  XXXX ( Auto ), XXXX XXXX XXXXXXXX ( Bank ), XXXX XXXX ( Bank ) , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX ( Bank ), XXXXXXXX Card Services ( Bank ), XXXX XXXX XXXX  ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and 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 reports containing any of the 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 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 2023-04-02 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:
My loans have been discharged due to total and permanent XXXX status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government XXXX benefits. XXXX the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education XXXX and the reporting agency XXXX and have not came to an amicable resolution.

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 2023-04-02 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: MD

Complaint narrative:
Experian refuses to respond to my dispute to remove this old outdated account from XX/XX/2014 almost 9 years old. This is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: AZ

Complaint narrative:
The problem that I keep facing is with my personal information that is listed to my credit report. Such as name, addresses, and contact information. I have requested that the credit bureaus remove information and they have not do such. I need assistance to updated my credit file to show accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The problem that I keep facing is with my personal information that is listed to my credit report. Such as name, addresses, and contact information. I have requested that the credit bureaus remove information and they have not do such. I need assistance to updated my credit file to show accurate and complete 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 non-monetary relief