vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
he following inquiries : 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating 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 explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Throughout the pandemic, XXXX with hundreds of other Target RED CARD holderswere repeatedly locked out of online access to our accounts to make a payment and/or service our accounts; including changing AutoPay bank details, scheduling future payments, sending messages via the secure system, and changing personal contact details. Even after repeated attempts to rectify the issue with Target, no resolution was providedI was told simply to 'try again '. This Additionally, during this time, the Target Card Services Customer Service Line had hold times of 45-120 minutes, making it impossible to reasonably reach anyone for phone assistance. When reached, Target was aware of the problem but offered no fix. They declined to wave the late fees resulting from it, and instead aggressively pursued collection action, which pushed me into an escalating late status as my Minimum Amount Due increased each month by over {$70.00} ( including a {$40.00} Late Fee ) with no resolution to the matter still. Prior to this issue, my payment was a very manageable $ XXXX. Within 3 Days of my first late payment, my minimum payment became {$81.00} and they would not work with me, even though they openly acknowledged they had an issue with their site. I have found XXXX XXXX in factof posted complaints from other Target RED CARD users on this exact same issue. I have found responses posted from Target as far back as 2019 stating they were aware of the login issues with their site. Yet, another 15 complaints were registered about the same login issue just last week on various consumer complaint sites. Target has been 1 ) fully aware they have a login issue with their RED CARD that is creating problems for their card holders, yet 2 ) chooses to do nothing about it and instead penalizes its customers and even profits from the situation, and 3 ) continues to aggressively push the RED CARD to new customers through unreasonable quotas they demand of their cashiers, while knowing new customers will face these issues as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: DC

Complaint narrative:
My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: AMERICAN NEIGHBORHOOD MORTGAGE
State: IN

Complaint narrative:
In accordance with the Fair Credit Report act, AMERICAN NEIGHBORHOO via XXXXAMERICAN NEIGHBORHOOD, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
I purchased a Toyota in XXXX, and use the Toyota motor credit corporation to finance it. The long was paid off in XX/XX/XXXX, and this is confirmed by Toyotas records. There still is a lien on the title in the state of Colorado. A week ago we requested a release of lien and they said they would mail it on Tuesday. We called them today Friday and they can not confirm that its been mailed yet. They refuse to email copy, and they refused to issue a second version. I dont know why the release of lien is not automatic when a loan is paid off and I think this is a law that should be changed. I believe the letter in XXXX, stating that the loan was paid off was sent to an old mailing address yet we were never contacted in any way that the letter was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Report 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 2023-02-17 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: AL

Complaint narrative:
I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, IS U.S Code 1681 b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consurer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-02-17 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: VA

Complaint narrative:
I have a copy of my driver license and social security card with this letter. Please delete and remove this address ( XXXX XXXX XXXX XXXX, VA XXXX ) from my credit report. 

I do not live or have ever lived at this address. 



XXXX15 U.S. Code 1681 section 602 ( a ) ( 4 ) 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.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Ive told Penn Credit that their records are incorrect. There is no longer a balance owed to XXXX XXXX XXXX as I paid it directly to them. Penn Credit is still claiming my debt is valid. Ive returned XXXX debt validation letters telling Penn Credit that the balance with XXXX XXXX XXXX has been paid off. I also told them over the phone that it has been paid to the XXXX XXXX. The last debt validation letter that I received from them stated that my lack of communication shows that I have no intention of paying my debt. It has been paid to XXXX XXXX XXXX and I owe {$0.00} to them or Penn Credit. {$1100.00} has been paid to XXXX XXXX XXXX. Penn Credit claims I still owe them {$1100.00} and XXXX keeps updating the disputes as valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: AL

Complaint narrative:
I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2023, {$15000.00} was stolen from my XXXX XXXX XXXX  savings account via Zelle. This happened as I sat in the bank lobby waiting to talk to a banker and after a teller had confirmed that I was speaking to XXXX XXXX XXXX  fraud department on my phone. By the time I was seen by the banker, my entire savings account had been drained. Neither XXXX XXXX XXXX or Zelle want to take any responsibility for this. I've already received my refusal letters from XXXX  XXXX XXXX and am expecting my Zelle refusal any day now. I have filed a police report and will be contacting the Texas attorney general if my money is not returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In accordance with the Fair Credit Report act, JPMCB BUSINESS BANKING, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Ive been having Identity theft for the past years and havent been able to enjoy my credit due to all the unauthorized accounts on credit report and have to file taxes with a pin every year due to identity theft Ive been having issue with the credit before even I turn the age to get credit history its so un fair

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
( 1 ) Wells Fargo reduced credit limit on the WF Reflect Card without communicating the rationale for the decision in an adequate manner. The customer is paperless at Wells Fargo 's request ; however Wells Fargo chose not to send an email in addition to the letter mail. 

( 2 ) Wells Fargo extended 0 % APR for 18 months without requiring a minimum monthly payment, but now states its CLD reason is " too low minimum monthly payment on the card ''. This was not a requirement going in. 

( 3 ) Wells Fargo listed too many inquiries in the past 6 months as its rationale ; however the only change in the credit report since the WF Reflect Card application is Wells Fargo 's own inquiry to the customer 's credit file in opening this same card.

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 2023-02-17 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: AL

Complaint narrative:
I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.

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 2023-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I informed Capital One credit card that I am going through a financial hardship. Capital One won't work with me. Capital One calls me a minimum of 25 times a day from 25 different phone numbers. They interrupt my normal days work as they call so much. I work from home. I use my phone to work from home. They call do often I usually turn my phone completely off. I have to use a prepaid phone just to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I do not own that debt. An insurance company called XXXX enrolled me on a policy that I didnt sign up for through one of their agencies. I told the agency I did not want the policy and did not sign the paperwork that they sent me via email to officialize the policy. However the agency went ahead and enrolled me without my consent. They however cancelled it after two months but forgot to cancel back the other two months. All happened without my knowledge. Only to realize yesterday that they sent the debt for the two months they didnt cancel to a collection agency. I called both the collection company and XXXX and they agency. The agent from the agency told me that he was going to correct the error and notify XXXX that I was signed up in error. But when I tried to call XXXX several times today, it seems they put my number on voicemail or blocked it. So Id like to get the collection removed from my credit file

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TX

Complaint narrative:
I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness.

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXX XXXX XXXX XXXX XXXX and Fifth Third Bank. I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the Fifth Third dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.

Company response to consumer: Closed with explanation