vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An account was made on XXXX, a merchant I have never used before in my life. Over the course of 24-48 hours, with my personal information and card information, approximately {$2400.00} was unlawfully taken from my account with no authorization from me. 

I contacted Wells Fargo, they reimbursed me. Now 3 months later without hearing a word from them they took the money they gave me back, and will not allow me to submit any further proof or information to support my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
These hard inquiries was not authorized by me. I dont have no open account with them. Company names : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ). ( Security finance : XX/XX/2021 ). ( XXXX XXXX : XXXX XXXX ). ( XXXX XXXXXXXX XXXX  : XXXX ). XXXX 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 2022-05-23 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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: TX

Complaint narrative:
I requested the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither had permission, neither explained, and neither sent me the permission used and at a minimum have never explained their actions or their reasoning for all the duplicate answers over the last five years. Instead both companies play the games to avoid because the permission did and does not exist. Both companies are unlawful while managed by attorneys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Consolidated Information Services Solutions, LLC
State: SC

Complaint narrative:
These hard inquiries was not authorized by me. I dont have no open account with them. Company names : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ). ( XXXX XXXX service : XXXX ). XXXX XXXX : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is XXXX  I owe them money and its on my credit but I don't have a signed contract with them. This account has been on my FTC report and I've disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
on the date XX/XX/22, I had a credit score inquiry without being done to me by XXXX/PAYPAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent 3 letters, one to each credit bureau, specifying an account that was being reported incorrectly, violating my right as a consumer to have a fair report. 

In those letters I pointed out and clearly specified the errors found and the instructions that I want to be followed for each account and they were ignored, I did not get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent 3 letters, one to each credit bureau, specifying an account that was being reported incorrectly, violating my right as a consumer to have a fair report. 

In those letters I pointed out and clearly specified the errors found and the instructions that I want to be followed for each account and they were ignored, I did not get any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CO

Complaint narrative:
Im writing to you today because Im in shock how poor attention my credit reporting has gotten. After reviewing my credit and the FCRA, I must bring this to your attention the following items that should be removed immediately according to the FCRA. According to XXXX5 usc 1681a ( 2 ) ( B ) The accounts XXXX XXXX XXXX XXXX  and XXXX OF XXXX / XXXX should be excluded from my credit report. The Credit reporting agency is preforming unfair practices I now can not get a mortgage because of these accounts showing on my credit also I never gave credit reporting agency written consent to disclose my personal information according to 15 U.S. Code 1681b ( 2 ). The credit reporting agency is giving me a hard time resolving this unfair 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 non-monetary relief
Consumer complaint received 2022-05-23 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
MAXIMUS XXXX, XXXX and XXXX XXXX have been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness. I, XXXX XXXX did my due diligence and began an investigation. During my investigation, it has been brought to my attention that I have been swindled by way of deceptive forms and I am now enforcing my right to privacy and Opt-Out. These laws have been violated by these entities. 

17 CFR 248.124 Reasonable Opportunity to opt out. 

15 USC 6802- Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC ( HSBC BANK USA NA ) closed my online savings account without notifying me of them closing it, in the amount of {$52000.00}. I logged into my account in XX/XX/2021, and by XX/XX/2021 they closed my account without email or call notification. They sent a notification to an old address I had on file, along with sending a 'live ' check to the wrong/old address on file. 

I have been trying to track down my life savings money since XX/XX/XXXX - and HSBC has not yet remedied the situation. They still have my {$52000.00} of cash sitting in their bank and will not release it to me unless I fill out an abandoned account form - that they promised they would send to me on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the form. 

My most recent discussion with them today, XX/XX/XXXX, stated that they turned my funds over to the Illinois State Unclaimed Property. The HSBC records showed this finding on their files on XX/XX/XXXX and despite having conversations with me on XX/XX/XXXX and again XX/XX/XXXX, they did NOT communicate this news to me. I am now left to go search Illinois unclaimed property and have {$52000.00} missing of my life savings. 

HSBC did NOT handle this in an informative way, they bounced me around to many different people, wasted my time because i could have gone to IL state already in XXXX had they notified me of the correct information. And again, they put my account in abandonment when I logged in XXXX but they closed my account in XXXX WITHOUT any notification via email or phone call. This has caused major stress and impacted my ability to use my life savings. And I still don't have my money because I am now trying to track it down from the State of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient reported that I owe them over {$73000.00} dollars and I dont. Navient will not send me proof of this debt. Navient is also reporting information from XXXX. Navient is making it seems like Im over {$100000.00} in debt to them. Navient and XXXX are the same company but they are reporting it as 2 different companies. I dont owe them {$73000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I had XXXX Unauthorized purchases on my Cash App credit card. This all happened while I was sleeping from XXXX till XXXX. My account is obviously compromised and all XXXX transactions were from companies outside the USA. 

The day before I had two transaction that happened, one from XXXX XXXX XXXX for {$620.00} & one from XXXX for {$100.00} but both were canceled. I didn't know of either company, so I contacted Cash App and told them about them and asked if I should cancel my card. I was told they didn't see anything wrong and just to monitor purchases. That night XXXX unauthorized charges for over {$1800.00}. 

I have canceled the card and I can still see charges being made to the old card account. Today is XX/XX/XXXX, and I havent heard anything back regarding the disputes and havent received any refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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. 

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from 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 non-monetary relief
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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. 

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from 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 non-monetary relief
Consumer complaint received 2022-05-23 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: CO

Complaint narrative:
Im writing to you today because Im in shock how poor attention my credit reporting has gotten. After reviewing my credit and the FCRA, I must bring this to your attention the following items that should be removed immediately according to the FCRA. According to 15 usc 1681a ( 2 ) ( B ) The accounts US DEPT OF EDUCATION and DEPT OF ED / XXXX should be excluded from my credit report. The Credit reporting agency is preforming unfair practices I now can not get a mortgage because of these accounts showing on my credit also I never gave credit reporting agency written consent to disclose my personal information according to 15 U.S. Code 1681b ( 2 ). The credit reporting agency is giving me a hard time resolving this unfair 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 non-monetary relief
Consumer complaint received 2022-05-23 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:
Saw hard inquiries on my credit report that need to be removed. 

XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Credit Plus Inc
State: TX

Complaint narrative:
Saw hard inquiries on my credit report that need to be removed. 

XXXX XX/XX/2022 Credit Plus XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I participated in a carpool because the cost of gas and inflation. Well my credit card was stolen from me ( I am guessing because it may have slipped out of my purse during the car pool with 4 other people. My Card was used at XXXX and XXXX XXXX and I truly believe that the credit card company is discriminating against me and not returning the funds that I did not use. They should know if you carpool with people they know how you look and they may have worked around that .I don't know but it has been a battle getting them to fix the problem.

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 2022-05-23 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX dealership ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. GM FINANCIAL has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TX

Complaint narrative:
I reported identity theft back in XXXX & Equifax has ignored my affidavit. I need to get compensated for this because its blocked me from getting credit. Equifax has really impacted my financial future in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for him self. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX. I have never been late. I paid on time XXXX and XX/XX/XXXX. Update to paid as agreed. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. Delete this account. XXXX Account # XXXX I have never been late. I paid on time XX/XX/XXXX. Update to paid as agreed XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX BANK Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Experian shows XX/XX/XXXX DELETE this account. XXXX  XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX DELETE this account. XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Experian shows XX/XX/XXXX. DELETE this 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 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HORIZON BANK
State: NH

Complaint narrative:
I had submitted complaint about first horizon a few weeks ago ( your complaint ID XXXX ). The letter I received from First Horizon said my payment due was {$170.00}. My complete payment has been sent and received. 

I called the number on the letter from First Horizon ( XXXX XXXX ) to see if the amount due was fixed two days after I received the letter from First Horizon and recording still said {$350.00} due as a payment this month. I gave them the benefit of the doubt and waited a week & called again today and recording still says {$350.00} I tried calling after work to the number XXXX had given me and spoke to XXXX XXXX. He said he could not or would not help me with this. 

This look to me like they just said that the problem was fixed to get you and myself off their backs, but it was not fixed and I don't know how else to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
XXXX is reporting inaccurate information that is affecting my credit report badly, they insist that they contact Bank of America and that the information is correct. Bank of America said to me that they cant provide information older than two years, but what they have there is no negative information of my records.

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