vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent inquiries that are persistently being reported on my credit report by Equifax. Despite my repeated efforts to resolve this issue, the false information has not been rectified, causing significant frustration and hindering my approval odds for various financial matters. I kindly request the intervention and assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter promptly. 

I have diligently followed the proper channels by contacting both the lenders, Equifax and XXXX to remove the fraudulent inquiries. However, despite providing supporting documentation and clearly outlining the fraudulent nature of these inquiries, Equifax and XXXX has failed to take appropriate action. This has resulted in continued harm to my credit profile, impeding my financial opportunities and causing unnecessary distress. 

I urge the CFPB to conduct a thorough review of my case and exert its authority to ensure that Equifax and XXXX rectifies this situation immediately. The fraudulent inquiries should be promptly removed from my credit report to restore its accuracy and prevent further damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a checking and savings account open with Wells Fargo somewhere between XXXX and XXXX and somehow I ended up owing almost {$300.00} to Wells Fargo for overdraft fees and now no bank will open me an account and the last 10 years. Every week when I was getting paid my paycheck was being deposited into my Wells Fargo account and I don't know how I came to all these fees.

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 2023-07-05 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX I have written and called the above company over ten times. 
XXXX writing because I noticed that my most recent credit reports contain a negative account ( see attachments ) with Capital One for my credit card account. I want to know that I understand my financial obligations, and if it were not for personal illness and being furloughed from work due to the pandemic, Id have an excellent record with Capital One. According to their records, I have never been late on my account with Capital One. Due to the financial restraints during the pandemic in XXXX, I chose to settle the debt owed to Capital One for less than the amount and ever since then, Capital One has been reporting my account as derogatory. 

Before closing my account with Capital One, Ive had a spotless record of on-time payments. While applying for additional credit and the fact that Capital One is reporting my account as derogatory to the credit bureaus, it continues to hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if this company make a goodwill adjustment to remove the " derogatory '' comment on my credit report and report me in good standing. I have settled with Capital One and paid off my debt. I honestly did not want the account to close but under the circumstances, the representative told me at the time, that is what this company had to do. This account being listed as derogatory has affected me since the year of XXXX and it is time this is corrected. By Capital One reporting this account as derogatory, which is equivalent to a payment being late over 60 days, hurt my credit history and my chances of obtaining additional credit for no good reason. 

Please remove this derogatory status from XXXX, XXXX, and XXXX, as soon as possible. 

In addition, this company did not suffer a financial loss as the principle was paid and I have paid a lot of money in interest so therefore, this company never suffered a loss. Please stop hurting my credit with the reporting of a derogatory account. I have never been late since the account opened in XXXX and it was closed because I was affected by covid. 
According to current covid stipulations, I do not believe that this company should be reporting my account negatively because of the impact I suffered during the pandemic. 
A settlement was reached with Capital One, therefore, nothing is owed, please remove derogatory status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX XXXX paid XXXX XXXX paid off, XX/XX/XXXX, XXXX paid off, XX/XX/XXXX Closed paid off

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 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I do not owe this debt. 
I communicated this numerous times to all parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir or Madam : I opened a business account for Florida XXXX XXXX XXXX XXXX at the Fifth Third Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This account was opened because they promised great customer service and a personal experience. Opening this account was a very long process that took well over a hour. I deposited {$60.00} into my account and was told they had all the information and paperwork they needed. 

After opening the account, they informed me it would take 90 days to obtain a credit card, which was a large contributing factor into opening the account. I called the representative that promised the personal service. I called his direct number, and left a message for him to call. He never returned my call. I called the bank manager, and her supervisor, only to leave messages, and I did not receive a call back. At this point I decided to close the account. 

I was finally able to take the time to go into the branch and close the account, only to be informed it was already closed. They closed the account without notification, sighting they did not have all the documentation they needed. I was told by the bank manager they would mail me a check within 30 days. The check did not arrive. I was told by the branch manager, that there was a mistake made, and I had to wait an additional 30 days for my check.

I am not sure of the exact date, due to not having any records of the account. I have repeatedly requested this information form Fifth Third Bank, they say they sent it, but I have yet to receive it. Additionally, they said three times, that they sent a check for the {$60.00}, yet again, I have not received it.

At this time, I would like to file a formal complaint, and request a check for {$60.00} plus interest. I am out a total of 4.5 hours of my time dealing with this. Please call me at the number below if you have any questions. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I currently have a Care Credit card through XXXX Bank. My issue is, I have consistently made my monthly payments OVER the minimum payment amount required. EVERY month, after I make a payment equal to twice the amount of the minimum payment required, Synchrony LOWERS my credit limit so that it is reported to the credit bureaus the card is at 100 % and charges me interest and fees which then puts me over the credit limit and my overall credit score takes a hit every month. I am trying to pay this card off but this bank is making it extremely difficult. I don't know if this is illegal but it certainly seems to be unethical.

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 2023-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: OH

Complaint narrative:
This debt is not valid. I do not owe AFNI or XXXX. 
When/prior to I canceled my account with XXXX, XXXX verified account was paid in full. IT was paid IN FULL. 
Then they tried to charge cancelation fees after the fact. and I refused to accept charges as my account was closed. 
AFNI bought an invalid debt and tried to collect. 
I informed them that the debt was invalid and needed wet signatures of original debt. 
They refused to provide documentation. 
I asked them to stop contacting me and to stop reporting to credit bureau. 
They refused. 

They are negatively and falsely effecting my credit report and refuse to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I do not owe this debt. 
I communicated this numerous times to all parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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

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 2023-07-05 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: MS

Complaint narrative:
I recently file an complaint with the XXXX credit agencies and it has been more than 60 days and I haven't received an answer about the situation. It's in regards to my rights has been violated under the fair credit act to protect my privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602 a States I have the rights to privacy. I have reach out to you on 2 different situations concerning this matter and still haven't received the results that I should receive. This matter just let 's me know that my rights isn't been respected and I will do whatever it takes to get it resolved. I have sent you the information about my case and recently XXXX has sent over information saying that I should send the information to the credit agencies about the removal of a bankruptcy being remove from my credit report.I would greatly appreciate if you would help me resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: MS

Complaint narrative:
I recently file an complaint with the XXXX credit agencies and it has been more than 60 days and I haven't received an answer about the situation. It's in regards to my rights has been violated under the fair credit act to protect my privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602 a States I have the rights to privacy. I have reach out to you on 2 different situations concerning this matter and still haven't received the results that I should receive. This matter just let 's me know that my rights isn't been respected and I will do whatever it takes to get it resolved. I have sent you the information about my case and recently XXXX has sent over information saying that I should send the information to the credit agencies about the removal of a bankruptcy being remove from my credit report.I would greatly appreciate if you would help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.

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 2023-07-05 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: MS

Complaint narrative:
I recently file an complaint with the XXXX credit agencies and it has been more than 60 days and I haven't received an answer about the situation. It's in regards to my rights has been violated under the fair credit act to protect my privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602 a States I have the rights to privacy. I have reach out to you on 2 different situations concerning this matter and still haven't received the results that I should receive. This matter just let 's me know that my rights isn't been respected and I will do whatever it takes to get it resolved. I have sent you the information about my case and recently XXXX has sent over information saying that I should send the information to the credit agencies about the removal of a bankruptcy being remove from my credit report.I would greatly appreciate if you would help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened XXXX business accounts at Bank of America XXXX I order XXXX cards XXXX for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XX/XX/XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back

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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: DC

Complaint narrative:
I had a derogatory remark appear on my XXXX and XXXX reports for a debt of {$120.00} from CONTRACT CALLERS INC opened on XXXX that I was never contacted about. It says the original creditor is XXXX XXXX XXXX XXXX. I last used XXXX in XXXX of XXXX, when I moved from my apartment in XXXX. I closed my account. I have tried contacting ComED to see if there is an open balance I was unaware of an they have nothing on their record. The Contract callers have never contacted me about this so called debt but they keep filing derogarotry remarks on my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief