vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting 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 confidential under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX 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, 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 2024-02-08 00:00:00
Product: Credit reporting 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: 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 confidential under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX 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, 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 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX pulled my credit on XX/XX/XXXX and said credit was frozen. Called all credit bureaus and they all said it was not frozen. I can't call Community Bank, I have to go to XXXX XXXX in order to communicate with Community Bank. Community Bank did not run my credit a different company ran it. They pulled my credit again on XX/XX/XXXX when I asked what was going on with my credit. My credit was run without my permission on XX/XX/XXXX. I tried to dispute with the people who pulled credit but they sent me back to the bank. Community Bank would not tell me who was running credit and would only transfer my call because it is a separate entity. At this point I want both hard inquiries removed. No longer want to do business with them since they can not pull my credit appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is in regards to the Wells Fargo auto loan XXXX. I spoke with Wells Fargo on numerous occasions to inquire about the late payments on this account. I spoke with XXXX from Wells Fargo deferment department during these periods and advise him and the department that not only did I have XXXX in XXXX but I was laid off during these periods from 2 separate jobs due to unforeseen company closings. The late payments I am referencing are XXXX, XXXX, XXXX and XXXX of XXXX & XXXX. I was unemployed and struggling financially to keep up with my payments. I was still able to manage to make my payments within that time but they were late. Upon speaking with the deferment department I advised them of my current situation and they were more than willing to work with me on this matter and also advised me that I could in the near future once my loan has been paid back to reach out to Wells Fargo Corporate to have the late payments removed. I have since sent numerous letters to Wells Fargo corporate office and have not heard any response. I have been asking for Wells Fargo to please remove these negative marks from my Credit as I am in the process of purchasing a home for me and my family and these marks are hurting me a negative way. If you could please consider my request I would appreciate it very much. During those time periods I was experiencing temporary hardship and still trying to re-establish my family after recovering from the XXXX pandemic. I am now back on track 100 % with stable income and I am looking to build a stable future with my family. Thank you for your consideration into this matter.

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 2024-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am unable to get my calendar year XXXX combined account tax statement from Navy Federal Credit Union as Navy Federal Credit Union refuses to securely post a copy of my calendar year XXXX combined account tax statement online, securely email me a copy it, fax me a copy of it, mail me a copy of it with a tracking number, or allow me to pick up a copy of it at a local branch. See attached documentation and below for previously submitted complaint IDs about a similar issue in XXXX. 

XXXX XXXX Once reviewed please advise what assistance you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Please see the attached documentation There is too much information to type or copy and paste here Thank you! 

Overview : MOHELA has duplicate Parent Plus Loans on my account and they have not removed the DISSOLVED Consolidation Loan they wrongly advised me to take out XX/XX/XXXX There is an extra {$43000.00} on my account for months now because of the duplicate PPLs. 
Everyone I talk to at MOHELA says they will fix it in 10-21 business days. 
This has been going on for 5-months now. 

XXXX dissolved the Consolidation Loan on XX/XX/XXXX It's still on the account MOHELA has my account balance completely inflated and wrong : Current Principal : {$120000.00} ( wrong ) Accrued Interest as of XX/XX/XXXX : {$3200.00} ( wrong ) Payoff Amount as of XX/XX/XXXX : {$120000.00} ( wrong ) MY Correct Loan ( s ) Balance is : {$81000.00} Their Customer Advocacy Team keeps telling me it is in processing and will be fixed 5-months later now change I have filed multiple complaints with MOHELA, spent HOURS on the phone, filed complaints with FSA and XXXX, still no correction. 

Please read the attached documentation, it is dated and timestamped for each contact with MOHELA, FSA, and XXXX Who is holding MOHELA accountable for their lack of fiduciary responsibility, inflicting consumers with fraudulent account balances, and their inability to provide reliable or timely customer service. Their behavior is borderline criminal. 

ALL OF THIS STARTED WHEN I CALLED MOHELA XX/XX/XXXX FOR HELP ON LOWERING MY PAYMENT AND HAD THE MISFORTUNE OF SPEAKING WITH A REP-IN-TRAINING WHO DID NOT KNOW WHAT SHE WAS DOING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have numerous inquiries reporting to my credit file that i do not recognize and need removed immediately. 


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 ATTACHED IS FTC 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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have numerous inquiries reporting to my credit file that i do not recognize and need removed immediately. 


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 ATTACHED IS FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On XX/XX/2024, a litigation office by the name of XXXX XXXX ( as we were told by XXXX XXXX from that office ) called my employer. When my employer did not answer, they sent a text message saying that they were going to put a lien on my bank and garnish my wages. They also called my employer several times before this, and also called my wife and daughter on separate occasions. I called this litigation office back to try to figure out what they are calling about and why they keep calling everyone but myself. At this point, it has become harassment. They proceeded to tell me my SSN number and would not give me any information unless I said " yes, that is me ''. XXXX then proceeded to tell me about a debt I owed and with attorney fees, legal, fees, interest, original debt and other fees, the total I owe is {$3600.00}. They said I could settle for {$1200.00}. I asked what this was for, who the original debtor is, and the original debt owed without any interest and fees. I was told this was for a XXXX 'XXXX XXXX XXXX XXXX  financed by HSBC XXXX XXXX, and the original debt was {$650.00}. They said they sent letters to our home address and my employers address but they never received a response from us. That is because we never received anything in the mail, at either address. My wife was on the phone with me and she asked them to provide copies of the letters they sent to us since we had not receive any communication from this office and verification that the debt owed was for HSBC Household Bank. They denied to send us any documentation stating that HSBC XXXX XXXX hired them to collect the debt, and since HSBC XXXX XXXX  is their client, they can not provide us with any documentation. That was an immediate red flag for us. They asked me for my email address so they could email me a settlement letter, and gave us until XXXX on XX/XX/2024 to counter an offer. They originally stated that they needed a counter offer tonight or they were going to proceed with processing the lien to my bank and garnish my wages. After we received the email, we hung up the phone. We then called HSBC XXXX XXXX to verify the debt. Both the Credit Card dept. and the Collections dept. verified that I DO NOT owe this debt. They also asked if I had anything on my credit report showing that I owe this debt and I told them I do not. My wife told me to not call the litigation office back, as this is fraudulent. We are now reporting this to the CFPB, the FTC, and our XXXX 's office to make you aware of this scam. We are still worried that the litigation office will proceed with putting a lien on my bank account and garnishing my wages. We will be calling the office of the Consumer Credit Commissioner tomorrow, XX/XX/2024, and making them aware of this situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After looking at my credit report I saw inquiries that not are mine

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my deraily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After looking through my credit report I saw inquiries that are not mine

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested proof bill payment that cleared my checking account on XXXX in the amount of {$120.00} to XXXX XXXX XXXX. I have made about a dozen if not more requests. I keep being given the run around. I have asked them to fax it to XXXX XXXX XXXX or email it to XXXX or upload it to my secure messages in my bank of america account. They refuse to. They so they will do it, but NEVER do anything.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling a complaint against XXXX XXXX XXXX regarding a payment issue that I encountered on XX/XX/. I believe that the company has not handled the situation appropriately, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter.On the aforementioned date, I made a payment to XXXX, and unfortunately, it was rejected by my bank, XXXX XXXX, due to an error. I have attached the rejection letter from XXXX XXXX for your reference. The letter clearly outlines the error that occurred, leading to the rejection of the payment. I immediately contacted XXXX to explain the situation and seek assistance in resolving the matter.

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 2024-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Bridge IT, Inc.
State: OK

Complaint narrative:
Brite advertised instant money I had given them all information then it said approved I was waiting on it then it came back it wasn't because of their point system it never said that in the advertising or when it did a information set up to take money out of my account it wouldn't let me delete it I tried contacting support and it is a XXXX XXXXXXXX which wouldn't give me a phone number or address nothing on there site let 's you delete account it takes you back to this XXXX  in a circle of confusion to not let you cancel or delete it and keeps you account information then I got an email saying stuff that when I uploaded everything it says approved for XXXX XXXX. But no money the. Hey back tracked on the deal and I told them in email false advertising to get people 's information and not provide a way to cancel is federal unlawfully done to people and their credit.

Company response to consumer: Closed with explanation