vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX but they all wouldnt let me pull my credit 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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and fico score but they all wouldnt let me pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2023 I went to the XXXX XXXX in XXXX TN XXXX XXXX XXXX XXXX XXXX and had a tooth pulled. I signed up for " CARECREDIT '' - and my balance of XXXX was paid by them. After reading the terms that I had 5 days to pay the bill and rescend the offer of credit I did- I went to XXXX XXXX on XX/XX/XXXX and paid the XXXX in full. I can show my bank statement. 

However, XXXX XXXX did not refund CARECREDIT till XX/XX/XXXX which is more then 30 days after my account was opened and closed XX/XX/XXXX - and CARECREDIT charged me a XXXX dollar fee. 

Carecredit refuses to fix this- and XXXX XXXX refuses to fix this. XXXX XXXX was late/slow refunding the money to CARECREDIT so they charged me a fee. My purchase balance with CARECREDIT is now XXXX but because XXXX XXXX was late refunding them I was charged a XXXX dollar fee which is now ballooned to XXXX dollars. 

MY carecredit account is XXXX XXXX XXXX XXXX I want this issue resolved and account closed. It is XXXX and CARE CREDITS fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCD Financial, LLC
State: IN

Complaint narrative:
The Company NCD Financial LLC is showing as an open account for over 2 years and it should be a closed account. This information is inaccurate! Also it is only showing on XXXX and not the other agencies of XXXX and XXXX. The company is NCD FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXXXXXX from 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. 
This account reported on my credit report is a fraudulent account.

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 2023-11-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXXXXXX XXXX from 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. 
This account reported on my credit report is a fraudulent account.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX still put this XXXX XXXX on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon cars drive 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's XXXX XXXX said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted XXXX XXXX and they agreed on XXXX and I sent a copy of the paid in full letter XXXX credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian still put this credit acceptance on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon XXXX XXXX 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's credit acceptance said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted credits acceptance and they agreed on XXXX and I sent a copy of the paid in full letter Experian credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting of the account XXXX XXXX XXXX, but you have failed to provide me a copy of valid and viable evidence. Furthermore, I have requested your method of verification being that my information was compromised in the Equifax data breach, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Lastly, the account has been re-aged and should have fallen off of my credit report. Not only are you in violation of re-aging an account, but you are also furnishing inconsistent information because XXXX and XXXX do not report this account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
Just received my credit report on XXXX XXXX and seen unauthorized hard inquiries I would please liked them removed ASAP

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 2023-11-26 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: MN

Complaint narrative:
I have checked my consumer credit profile and have noticed that there is a TON of inaccurate information including information that I never authorized to be reported nor has any government agency given authorization for any of the information to be reported, ( XXXX, XXXX ) never had authorization to report any experiences to any of my consumer reports these accounts are in direct violation of 15usc1681 ( i ) these acounts should be removed as required by law.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX To whom it may concern on XX/XX/2023 I disputed accounts reported by Experian in the file you maintain under mu social security number. 
I was informed on XX/XX/2023 the the items was deleted from my credit report. 
Now I have discovered that the items has been reinserted on my credit report. 
In accordance with the requirement of the FCRA section 661 ( a ) ( 5 ) ( b ) ( ii ) you are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. 
I hereby demand that you immediately deleted the item from mt credit report in order to avoid legal action. I am submitting the complaint separately to the consumer financial protection bureau the Attorney Generals Office, and the XXXX PLEASE GOVERN YOURSELF ACCORDINGLY XXXX XXXX XXXX XXXX XXXX XXXX Cc : CONSUMER FINANCIAL PROTECTION BUREAU Cc : ATTORNEY GENERAL 'S OFFICE Cc : 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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: State Finance Company
State: TX

Complaint narrative:
This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting of the account BROADWAY FINANCE XXXX, but you have failed to provide me a copy of valid and viable evidence. Furthermore, I have requested your method of verification being that my information was compromised in the XXXX data breach, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Lastly, the account has been re-aged and should have fallen off of my credit report. Not only are you in violation of re-aging an account, but you are also furnishing inconsistent information because XXXX and XXXX do not report this account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for several loan modifications which at the time Wells Fargo informed me I qualified for. Wells Fargo sent several applications that I completed for years. They never explained to me why I was denied and I was told my only option was to short sell which I still don't believe.

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 2023-11-26 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: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX  from XXXXXXXX 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.

This account reported on my credit report is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I bought a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX had a financing plan with XXXX, which issued the credit card. The financing was offered by XXXX. 2 years no payments, then payments. The 2 years ended in XXXX. I was switched to automatic payment in accordance with the plan. Because the loan was not paid in full, XXXX is now charging me about 30 % interest for over two years. XXXX says that if I paid off the loan two weeks ago, in XXXX, there would have been no interest. I just called XXXX and said I would pay off the loan in full now but did not want to pay interest because that was not was said to me. XXXX refused. The interest costs nearly as much as the XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY 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 monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC
State: CA

Complaint narrative:
The following account was part of my XXXX XXXX Bankruptcy and was discharged on XX/XX/XXXX. Since this account was still being reported to the credit bureaus as of XX/XX/2023, I had a conversation about it with one of your representatives last month. However, since XX/XX/2023 it was reported as current up until XX/XX/2023. Now, its being reported as " Charged Off ''. I filed the XXXX XXXX  XX/XX/2023, then ceased payments. The credit bureaus shouldn't receive reports of " Charge off '' from accounts included in XXXX that they are reporting. 

United States Bankruptcy Court Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I got paid on that Sunday night that was on the XXXX of XXXX an my check was XXXX an some change an the only thing I did was paid my light bill an it was XXXX an some change an I paid my baby daddy an XXXX for my car insurance an I put XXXX in my gas tank that's all I did cuz I caught XXXX so I had to put gas in my car just because of emergency purposes but that's all I did with my money an now I saw money coming out of my account that I didn't get out an that's not fair for me at all I called chime bank they said they will reimburse me send me a new card but first the charges have too stop pending I called them immediately when I noticed it that evening this is not fair I haven't been too another state since 2021 I asked for supervisor and a appeal no response because the calls are recorded my.whole check was gone from my account less then XXXX hrs and my card had too be replaced please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
they give me until the XXXX and I found out I don't get the loan until the XXXX and I started a new job and don't get paid for 2 weeks .. they want me to pay XXXX dollars then 2 weeks an9ther XXXX then another 2 weeks a XXXX etc.. the same but I need at least until the XXXX when I get the loan... I was suppose to get the loan on the XXXX but I have orientation on Monday the XXXX I need my car for work can u please help me and get an extension until the XXXX r until my first paycheck then I don't care to pay every 2 weeks at a XXXX until I catch up.. they never even told me they were repossession the car.. no letters and no calls... I'm stuck and need help.. thank u sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I went in to XXXX XXXX on XX/XX/2023 where I was greeted by a female sales representative. I walked around while she basically harassed and followed me through the store. I then decided to engage and ask questions about a specific couch and XXXX accent chairs. I decided to buy them and she went over the financing options. Told me I had to sign a piece of paper to see if I qualified for XXXX XXXX as I repeatedly said I did NOT want a credit card. She told me I had been approved for the non credit option and I left the store. Told me if I paid before delivery of furniture then the XXXX XXXX  option would not show up on my card. I paid the furniture in full XX/XX/2023. Today, XX/XX/2023 I went to XXXX XXXX, greeted by a male sales representative I was looking at couches. Decided on XXXX and same thing. I made it clear I did not want a credit card. He insisted it was not a credit card or charge card. Said it was an account to hold the furniture. After asking more questions he admitted he had opened a credit card. I was immediately upset that he had lied and told me not to worry about it. That the card would close in XXXX yrs if I did not use it. I was so mad I told him I didnt care about that, I said that they shouldnt lie to consumers and saying they are doing one thing and then open a credit card after I was very clear I did not want one. I then checked my credit report and noticed the first card opened on XX/XX/2023 and I realized they are harassing customers and opening credit cards under false information. The same thing XXXX XXXX got in trouble for. This is Fraud. And this card was opened by fraudulent sales representative of XXXX XXXX and XXXX XXXX in XXXX XXXX Indiana. Both cards have a limit of XXXX. They are targeting minorities to commit these fraudulent acts due to the lack of credit literacy as well as marketing these credit cards as XXXX XXXX XXXX programs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I've asked this to be reinvestigate on XX/XX/XXXX and for Equifax to provide a method of verification. I received something 5 days VIA email from Equifax that these accounts came back verified, when I was never provided with any verification. Can you please properly investigate these accounts and send me an update?

Company response to consumer: Closed with explanation