vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: SLM CORPORATION
State: NJ

Complaint narrative:
SALLIE MAE BANK, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an SALLIE MAE BANK product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact SALLIE MAE BANK - Get XXXX to mail me a letter address XXXX to have those SALLIE MAE BANK hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you DATES FROM XXXX CREDIT REPORT FROM SALLIE MAE BANK XXXX. XX/XX/2022 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I submitted a dispute Report # XXXX stating that the company XXXX XXXX XXXX XXXX XXXX not have a collection agency license in XXXX XXXX XXXX  according to the XXXX XXXX XXXX XXXX and I asked for said item to be removed from my credit report. Experian never acknowledged provided proof of researched item proving that this company has a lisence to collect in my state. On XX/XX/XXXX I submitted a dispute again asking them to research and remove, they never provided proof of research and kept the account on my credit report. 

In addition I did not give Experian permission to report this XXXX XXXX XXXX XXXX account on my credit report and according to 15 USC 1681 Section 602 A I have the right to privacy. According to15 USC 5 1681 B I did not give permission or consent for this alleged debt to be reported on my account, as well as 15 USC 1681 Section 604 A Section 2 A consumer agency can not furnish an account without written instruction : which I never gave them.

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 2023-01-24 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: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
Axos Bank placed an inquiry on my credit after the sales rep for auto refinancing was explicitly told that I was not interested if there would be a credit inquiry because I am currently house hunting. 

The sales person assured me no inquiry would be done and it was done without my approval. 

Now Axos will not respond or answer phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Account name : 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Account name : 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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XXXX and XXXX I was customer of wells Fargo Bank and they have me pay same fee that not was in the contract first time of opening the account, Which makes me move to 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 non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX credit card includes a person 's credit score in their monthly statement. I had an unexplained XXXX point drop in my credit score over the two months XXXX XXXX from XXXX to XXXX and no one can tell me why ( it stands at XXXX in XX/XX/XXXX ). See attached. 

XXXX card said the information is based on data from TransUnion. There has been no change in my credit card history, I have no loans or mortgages and I pay my balances in full every month which was confirmed by my credit report. My score has been in the XXXX for years so this unexplained drop is concerning. I would like to know why it happened so the problem can be fixed, but I have not been able to get any answers from TransUnion or XXXX. I recently retired at the end of XXXX and this unexplained drop occurred in XXXX. I hope that's just a coincidence as there were NO other factors to have caused this drop. 

XX/XX/XXXX - I obtained my free credit report from TransUnion which showed nothing unusual, all balances paid in full every month. All 12 creditors ( several accounts have been closed ) showing " ok '' for every month. There is nothing on the report to dispute, it's just the drop in my score which has no basis. 
XX/XX/XXXX - I called TransUnion 4 times. They transferred me back to the main number, then gave me the phone # for XXXX XXXX XXXX XXXX XXXX XXXX which only deals with XXXX scores, then transferred me to a " supervisor '' who told me I could get my score for {$.00} at XXXX which is just the free report and gave me the phone # for the same place. At the end of my last call, he did tell me that the number that XXXX card was showing for XXXX XXXX ( XXXX ) was incorrect, but would not tell me the correct number unless I paid {$10.00}. 
XX/XX/XXXX - called XXXX to let them know that the information they were providing about me was incorrect, but he did nothing more than refer me back to TransUnion and to tell me to check their website for further information on the score ( what's hurting and what's helping ) which I did. Their explanation said that there was " insufficient information about my installment loans. I HAVE NO LOANS. Apparently, I am being penalized for my lack of debt/loans ( see attached ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: DISCOVER BANK
State: NJ

Complaint narrative:
DISCOVER FINANCIAL SVC, my XXXX report states that I have hard inquiry from you guys. I did not apply for an DISCOVER FINANCIAL SVC product in the last 2 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries deleted please. 
Again, - XXXX wanted me to contact DISCOVER FINANCIAL SVC - Get DISCOVER FINANCIAL SVC to mail me a letter address XXXX to have those DISCOVER FINANCIAL SVC hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you Dates from DISCOVER FINANCIAL SVC on credit report XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America charged my checking account a {$12.00} " convenience fee '' on XX/XX/XXXX without authorization. When I called about it, they told me that to avoid the fee, I would need to have a daily balance over {$1500.00}, or direct deposits totalling over {$250.00} per month. At the time of the charge, I had almost {$2000.00} in the account and it was receiving {$400.00} per month in direct deposits. When asked, the representative was not able to tell me how the daily balance was calculated, if it was an average, median balance, mode balance, or random sample etc. They refused my request for a refund. When I went to a local branch to close the account, they initially said I would need to drive to another location, but eventually let me close the account while talking to a banker there. I then had to stand in line to get my money returned to me. The entire process took over an hour and made needlessly complicated. A week later I was told I was getting a new ATM card from BofA. I called to find out why, only to find that the bank did not close my savings account as requested.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE XX/XX/2018. 

THIS IS MY SECOND DISPUTE USING CFPB AND THAT ACCOUNT XXXX XXXX XXXX XXXX XXXX IS STILL REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT THIS INACURRATE ACCOUNT IS AFFECTING ME FROM GETTING ANOTHER LOAN

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 2023-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
called XXXX XXXX XXXX number provided on credit reports for this account. 
from XXXX XXXX XXXX XXXX that I have been a victim of identify thief. my information was found on the internet 23 times from credit reporting companies. and they still wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My late husband ( XXXX XXXX XXXX ) applied for a credit card and according to the company listed me as co-applicant. I did not give permission for this. I do not believe this is true as I did not see my name on the account until XXXX told me he added me as an authorized signer and then I could see it listed on my online account. He was issued a card which only he used and he paid for it from his own account. He passed away XX/XX/2022 and the NFCU informed me that I must have been on the original application and they had me listed as co-applicant. They have no proof this is true but since they say so then I have to pay the account. In Tennessee a spouse is solely responsible for credit accounts opened in their own name so I do not believe I should be responsible for this balance.

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 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
MOHELA customer service is horrible. You can not get through to get your questions answered. The automated messaging is irrelevant bantering that gets repeated over and over until the phone hangs up. Negligence. 

I faxed in my employment certification for the PLSF program. They say they never got the fax the first time, so I did it again. I called today to check if they received it but I can't get through to anyone.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
My wife and I have many CD accounts in our traditional and XXXX ira 's. We transfered them from XXXXXXXX XXXX XXXXXXXX State Farm bank because the interest was so much higher. The government made State Farm bank to transfer all of my wife and I IRA 's to US Bank. US Bank is a brick and mortar full service bank and has very low interest rates. Also the nearest US Bank is XXXX miles away. The State Farm office is a mile away. 

So, I am in the process of transferring all of our CD 's from US Bank back to XXXXXXXX XXXX. It is a night mare. I have to do the following : 1. ) XXXX XXXX Bank and open up an new account with a new number.

2. ) Go to State Farm and have them physically send a fax to US Bank to request a transfer.

3. ) I then must chase US Bank by phone to insure that the paperwork is being processed. 
They do not allow me to talk to someone in their IRA department and I must go through customer service that doesnt have my information about the CD. Sometimes they give me wrong information. When I ask to speak to a manager, they put me on hold and the manager gives me a message that they are helping someone else and will get back with me and never do. On top of that they send me letters saying I have ommited information on the form. The copy of the fax I have shows the correct tnformation. 

Also they have placed a XXXX dollar yearly fee on my wife 's account because they say she doesnt have enough money in her account. We never agreed or signed anything to permit this and this was never on any of our accounts with State Farm Bank. 

I have spent many frustrating hours on the phone with US Bank trying to straighten this out. They are incompetent. 

These CD 's are time sensitive. I only have 10 days after maturity to transfer or distribute the funds. Also these are retirement funds and I must take them out for our XXXXXXXX XXXX 

I can not withdraw the funds to myself because the government only allows us 1 rollover a year. 

It is a real nightmare. 

Is there any way possible we can transfer these funds without a penalty?

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 2023-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: OH

Complaint narrative:
DEBT recently appeared as collections. May seemed to have been re-aged. 

Unrecognizable/ unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Year XXXX. My XXXX XXXX created a wells Fargo account in my name and stole {$5400.00} out the account. They wouldn't even refund my money after I provided proof of identity and provided proof from the IRS. 
Year XXXXXXXX XXXX XXXXXXXX the bank said I was approved to open a bank account but when I went to a branch to open an account I was unable to. And the company didn't even explain why all this happened. Nor did they attempt to investigate the situation.

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