vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
>Foursight - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
Yesterday this " loan company '' called me inquiring about co-signing for a loan for someone and I specifically told them I do not approve of this and they can cancel the application. I am a XXXX XXXX, I was working a 16-hour shift when I got several notifications on my cellphone from all 3 credit bureaus stating that a loan was taken out in my name ( unknown to me and unauthorized ) and someone had forged my signature! I called the loan company as soon as I got off of work at the number that was on the loan document, and the number they called me from yesterday while I was working but they are not reachable. I suspect that this " loan company '' is a scam/ not accredited because of the XXXX report and the complaints. I have left a voice mail for the loan company to call me back but I have not heard from them, I have even emailed them, and no response. Someone took a {$7000.00} loan out in my name without my consent, this is unprofessional conduct on their part because I told them that I do not approve and to cancel the application when they called me at work yesterday! I need the GM to reach out to me immediately because I don't want my credit to suffer because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Amex, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX Account # 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 2022-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 my realtor told me to inquire to a home buying agency that helps find a mortgage that is best for me. She said they would only run 1 hard credit pull for an unlimited amount of inquires within 30 days. Now I have 91 separate hard inquiries and my credit score decreased by nearly 200 points. I never agreed to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX in regards to account name XXXX XXXX XXXX XXXX  account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were XXXX errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with XXXX, XXXX, AND EXPERIAN are showing inaccurate and differently. I have attached to this dispute my credit report with the XXXX above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit reports with EXPERIAN, XXXX, and XXXX I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit files and credit reports immediately. 
15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
On XX/XX/2022 I mailed ( because the TransUnion website wouldn't let me create a dispute online through my online account ) a credit dispute letter regarding a credit card account that I paid off and did NOT close intentionally because of the age of this tradeline. TransUnion incorrectly closed out the account and this has adversely affected my TransUnion FICO score in XXXX important areas ; XXXX age of established credit and XXXX usage of credit extended. Because of this my TransUnion FICO score is XXXX points lower than XXXX and XXXXThis is greatly hindering my ability as a consumer to shop for and get approved for the best loan products currently available. Additionally, I have no way to find out the status of my dispute. I'm hoping this critical matter will be corrected as soon as possible as it has now been XXXX month since I opened the dispute.

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 2022-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX of XXXX I found furniture on XXXX XXXX and financing was offered through American First Finance. The total cost of the purchase came out to {$2500.00}. There were to be bi-weekly payments of {$200.00}. 

On XX/XX/XXXX I contacted XXXX XXXX and asked if they would take the furniture back after seeing that the payoff doubled. The company stated that they would not accept returns. I called American First Finance. I spoke to a representative that stated if the store would not accept the return of furniture. She gave me the option of donating it to a not for profit charity and uploading a form with the charities tax ID info on it. I stated that I didn't have a truck to take the furniture to the said charity and asked if XXXX XXXX would do the pick up. She stated they would not. 

On XX/XX/XXXX, I called to have a payment deferred since I can not afford to continue to pay on this predatory loan. They rep stated that they could not do a deferrement and offered to cancel the payment scheduled on XX/XX/XXXX. The payment still pulled out on XX/XX/XXXX and I called to see why. I asked for the payment to be refunded as I requested a deferment. The representative placed me on hold and asked when I could make up the payment. I again requested that the payment be refunded and stated that I would like a deferment. The representative explained that the XXXX collection system pulled from my card. 

This is predatory lending and I would like to return this furniture immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got in the wrong hands ....

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 2022-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
First of all Im a XXXX  and have been out of school since XXXX... I had my loan switched to several different agencies multiple times. The last loan company I recall was XXXX and was told that I was on income repayment at {$250.00} back in XXXX and that was last for 10 years. Then I see sometime in XXXX the loan was switched/sold to AES and I owe the same amount that I took out in XXXX. I feel like I have made consistent payments based on what was set-up. I have worked for several insurance companies, and I guess they are consider for profit companies. Im currently self employed/contract and work for the government. I really need to speak with someone to see what is going on with this loan. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX Received Notification that account was being closed for reasons of : [ 1 ] Lack of XXXX XXXX Account Information [ 2 ] Not enough balance paid down over time on retail accounts [ 3 ] Too many inquiries XX/XX/22 - Requested Fraud alert be placed on my account. -- -I DO NOT HAVE RETAIL ACCOUNTS OR A MORTGAGE XX/XX/22 Request denied does not meet .their definition of fraud XXXX to account manager, XXXX who states that all info was obtained from the soft pull from XXXX for my credit worthiness decision. 

Note : -I DO NOT HAVE RETAIL ACCOUNTS OR A MORTGAGE. 
I have a credit freeze on ALL credit bureaus My credit profile must be opened for credit information to be released [ hard or soft ]

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 2022-05-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got in the wrong hands ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got in the wrong hands ....

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 2022-05-20 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: GA

Complaint narrative:
The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.

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 2022-05-20 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: I.C. System, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting ace XXXX Account # XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2022-05-20 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: Stern Recovery Services, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2022-05-20 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX. I had a transaction come out of my Chime Bank account. The transaction was for {$190.00}, XXXX XXXX. I live in XXXX and this company appears to be a XXXX XXXX company. 
I disputed with Chime on Monday XXXX XXXX. They closed out very quickly and they made no contact to the merchant. The insurance company opens at XXXX PST, yet the dispute was closed before this time on the same day. 

Chime sent me through a rebuttal as I requested to recieve documents upon their " findings '' However, again, opened and closed within XXXX minutes before XXXX was open. 

Chime is claiming, because I know my pin card in my head. And, my personal belongings were not lost/stolen. Someone couldn't possibly skim my card. 

Chime is refusing to do any type of deep investigation. They're jumping to conclusions. 

An insurance company is supposed to verify a payment against a policy holder. This clearly never happened, but Chime does not see that. 
Chime is also claiming I didn't close my account, well, yeah, I did when I noticed this payment on Monday. I got a direct deposit paid on Thursday XX/XX/XXXX. I knew how much money I was supposed to have in my account. I do not check my bank account every single day, especially knowing I am not having anything coming out of my account. 

Chime is just not protecting consumer rights and keep closing out my dispute without any official findings and making no contact to merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Colony Brands, Inc.
State: MI

Complaint narrative:
Hello, I received a credit alert via XXXX XXXX that there was a hard inquiry placed on my XXXX credit report from Montgomery Ward on XX/XX/2022. I have no applied for credit with Montgomery Ward and had no knowledge that this company was still in business. I contacted Montgomery Ward on XX/XX/2022 at XXXX EST and spoke with XXXX representatives, both state that the only time they place a hard inquiry is when an order is placed and both checked my name, address and phone number and states there's no order placed under my name so therefore, there could be no hard inquiry. This simply does not make sense, I understand what their process is but as I stated to both representatives, I have no applied for credit nor placed and order and therefore, this is clearly fraud. I asked multiple times to have a search via my social security number which was not granted although I was told repeatedly that there is no order under my name. I was assume that there would not be if this is a fraud case because why ever in the world would someone committing fraud be so kind as to steal my identity and also send me the order? I would like this issue investigated and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
On XX/XX/2022 I went to the Wells Fargo on XXXX XXXX in XXXX Texas to deposit my check from a car accident settlement. The check was from the law firm in the amount of {$7300.00}. Due to getting off from work later than XXXX. I deposited it into the atm. I received a receipt that stated I would receive partials funds right now of {$400.00} and the remainder of the balance on XXXX. I checked my account on XXXX and theres no money deposited. Actually my balanced returned to my original balance before my initial payment. I called today on XXXX to see whats happened and it was stated that a hold was placed on my check. However the customer service agent couldnt tell me why. I never received a call or written notice of a hold. It stated my funds would be released next day and I havent received 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