vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXXXXXX Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/XXXX  & XXXX  Date of inquiry : XX/XX/,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
for about a year now I have not been able to pay my bill online where I should be able to .. there is a problem and I tell them they need to fix this .. this is ridiculous that i can not pay my bill as i want to and should be able to..

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo, I have a permanent address in the XXXX but live in XXXX. I'm a XXXX citizen. In XXXX I got an XXXX XXXX card through my Wells Fargo account which I use solely for XXXX rides and purchases. I got this card because it offered points and did not charge foreign conversion or transaction fees. In XXXX of XXXX Wells Fargo contacted me saying they were changing the card from XXXX XXXX to a Wells Fargo Active Cash Visa. I searched for documentation of changes to the terms of the account on my online banking account. There was nothing. Just a button asking to accept or decline the new card. I searched several times in all part of the online banking information for information on any changes to the terms of the account. Nothing. So I assumed that since I had not received any information about the changes.That the terms would be the same. The card converted to the new card automatically. On XX/XX/XXXX I opened my account to pay the monthly total and found foreign conversion fees for every transaction I had made since the card moved from XXXX to XXXX. I called Wells Fargo immediately and demanded the fees be removed and expressed my sincere feelings that Wells Fargo had violated the law and my rights by not informing me of the changes or making the information easily available. They reversed several fees but were unable to reverse all or close the account because there were two pending fees. The reversals have not appeared on my account and they said it would take up to ten days to complete all the transaction fixes. I am filing this complaint because I know that Wells Fargo violated my rights and the law in this case. Even though it's a not easy to open a new bank account in the XXXX from XXXX, I had already considered that due to the recent news about Wells Fargo discriminating against XXXX families in mortgage offerings. When is something going to be done about all of this other than a paltry fine which a bank worth billions can easily pay? I was only out about {$10.00} in fees, but multiply that by the number of other costumers Wells Fargo is scamming and you quickly arrive at an enormous amount of money. And one XXXX of fraud is as bad as {>= $1,000,000} in my view. Thanks.

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 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: FL

Complaint narrative:
XX/XX/2023, our mortgage company, XXXX, sold to XXXX XXXX XXXX LoanCare LLC . I made my payment on XXXX, with the pay by phone option, with XXXX XXXX. After several days of it not clearing my bank account, I called to see what happened. The rep I spoke with said it was returned for NSF, and we were charged a {$25.00} fee. I told her that is incorrect, that the funds are still there waiting to be taken out. She said we will try again and she cancelled the NSF fee. After several days of it not clearing my bank, we received a letter from the company stating the payment didn't go thru. So my husband called them on XX/XX/2023, to see what was going on. The rep he spoke with asked for the checking acct number to verify it. Our checking acct number begins with XXXX zeroes. The rep said that the zeroes should not matter, and he didn't want to try taking the money out again, so my husband put him on a three way call with our bank. The person at our bank explained to the mortgage rep, that yes, the XXXX zeroes needed to put in their system for the money to properly go through. The rep supposedly put in the correct checking acct number at that time. The same rep also told my husband that if this happens again, we may be locked out of our account for 6 months. Also, he told my husband we would be charged a {$25.00} fee. We called the mortgage company back that night and had a very long and detailed argument with their rep, who pretty much told us because WE didn't give THEM the correct account number, that it is our fault, and we are responsible for the {$25.00} fee. With us being new customers with them, this is so very disappointing, and the reviews of LoanCare LLC, are so bad and very similar with what we're going through. I asked the rep several times how we could be at fault, with us being new customers, and that they should have made sure to have the correct info. She was persistent in stating it was our fault and that they would not be removing the {$25.00} fee. Please help, if they're doing this to us, how many others are they doing this to??????

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 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
XX/XX/23 - Crown Asset Management contacted my place of employment twice in one day at XXXX and XXXX from phone number XXXX I attempted to get information from them as to the reason for the call. The rep wouldn't provide information and proceeded to say she had to hang up the call. Why call if you can't provide information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifaxdid not do an accurate investigation in providing the factual details to my dispute they lack of maintaining complete and accurate records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. And if they did a thorough investigation they would contacted all parties involved including my ex which I provided his contact info. Not contacting my ex only proves they did improper investigation.Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Not contacting all parties involve shows their Bias and only believing and recognizing what the reporting agency is providing and overlooking facts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY 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  FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.

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 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
My account was bought or transferred from XXXX  to XXXX XXXX XXXX XXXX in XXXX  after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at XXXX XXXX, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between XXXX and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). 

I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. XXXX bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. 

A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-09-11 00:00:00
Product: Credit reporting 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:
I am intersted in processing disputes on my credit report to delete an remove all information that is inaccurate on my credit report. this has been a issue ive addressed multiple times an no action has been taken. looking over my credit file ive noticed Alot invalid data that is hindering my credit report. none of the data submitted is correct on any of the credit files. please review an remove the listed items to clear an correct my credit report 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 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Account : XXXX I have called numerous times and either my account information was not updated properly or I get hung up on after sitting on hold for hours waiting for an escalation to the supervisor. 

This entire process is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: PA

Complaint narrative:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX Date OpenedXXXX

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I have attempted multiples times with your company to get PORTFOLIO RECOVERY debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation