vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The amount of the down payment I gave was {$2000.00} I asked for my money back the car do not drive for my young daughter endanger her cut off in the middle of the streets. No XXXX was giving on this car I had to buy it from XXXX and I was told from XXXX XXXX XXXX  it's a good reliable driving car all tire light pop on gotten that fixed at XXXX XXXX car windows don't roll down wind shield wiper fluid Don't come out the hose to wash the windows. Check engines light comes on odeth claim he brought car parts they fixed it wasn't nothing fixed the light came back on the car he say was under warranty that's a lie I had to get my insurance company to tow the car back to the company. The car is a total loss. On my XXXX report I ordered it was in accidents not a drivable car. You did farud you are a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been disputing this account since XX/XX/23. XXXX have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-08-30 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: NJ

Complaint narrative:
I am re-submitting an another complaint with the CFPB, seeking confirmation that the Credit Bureaus XXXX, XXXX, and TRANSUNION will take the necessary steps to examine and aid in the removal of the fraudulent inquiries I detailed in my past and current complaints. I respectfully ask the CFPB to partake in aiding me to address the issues prevalent in my credit report. Presented herein are certain items that I suspect were initiated under an alleged identity theft situation, requiring urgent attention and, if feasible, quick removal : 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

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 2023-08-30 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: NJ

Complaint narrative:
I am re-submitting an another complaint with the CFPB, seeking confirmation that the Credit Bureaus XXXX, EQUIFAX, and XXXX will take the necessary steps to examine and aid in the removal of the fraudulent inquiries I detailed in my past and current complaints. I respectfully ask the CFPB to partake in aiding me to address the issues prevalent in my credit report. Presented herein are certain items that I suspect were initiated under an alleged identity theft situation, requiring urgent attention and, if feasible, quick removal : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IN

Complaint narrative:
Received a letter in XX/XX/XXXX stating I had an outstanding balance at XXXX XXXX ( TX ). I have not ever done business with this company. The company is a electric power provider in XXXX, TX. I have lived my entire life in XXXX XXXX IN, and have no real estate interest or other relationship with anyone in XXXX. Someone clearly had stolen my identity in order to obtain power at a residential address in XXXX. They told me to file a police report and complete the FTC Identity Theft form. I immediately did both and forwarded to the company. It appears that in XX/XX/XXXX, this company forwarded the 'bad debt ' information to a Mercantile Adjustment Bureau . I received no communication from this collection company. On XX/XX/XXXX I received a notice from a company that monitors my credit stating that a 'derogatory remark ' had been added to my credit file. I reached out to Mercantile Adjustment Bureau, obtained a FAX number and name whereby I could again submit my documentation. The representative told me the only method of submission was FAX. I have attempted 3 times to FAX the requested information, but the FAX # is always busy. I again reached out to XXXX XXXX and resubmitted the items I had submitted last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this 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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: AR

Complaint narrative:
FOR THE LAST 2 MONTHS IVE SENT IN A FTC REPORT AND LETTTERS AND FRAUD DISPUTE PERTAINTING TO TRANSUION XXXX INACCURATE INQURIES ON MY CREDIT REPORT, THESE INQURIES THATS LISTED ON MY CREDIT REPORT IS NOT ATTTACHED TO ANY ACCOUNTS THAT BELONGS TO ME, I HAVE NOT GIVEN ANY AUTHORIZATION TO ANY COMPANY TO RUN MY CREDIT. I HAVE REACHED OUT TO THE COMPANES AND THEY HAVE STATED THAT THEY DO NOT SEND ANY INFORMATION TO THE CREDIT BUREAUS PERTAINING TO CREDIT INQURIES. IM HAVING A HARD TIME GETTING TRANSUNION TO WORK MY DISPUTES, I SEND IN LETTERS AND DO NOT GET ANY RESPONSE FROM THEM..I AM A CONSUMER AND I HAVE RIGHTS UNDER THE FCRA, HOW ARE THEY GETTING AWAY WITH NOT RESPONDING OR ANSWERING MY DISPUTES. THIS IS A VIOLATION OF MY CONSUMER RIGHTS. THEY ARE NOT COMPLING WITH THE LAWS OF THE FCRA, MY DISPUTES ARE NOT GETTING ANSERED, I HAVE SENT IN SEVERAL DISPUTES FOR THE PAST 2 MONTHS AND FTC REPORTS, LETTERS STATING ABOUT THE FRAUD UNKNOWN INQURIES,

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-30 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: NC

Complaint narrative:
I did not provide my permission for the sharing of my private information. Information reporting that affects me as a consumer is NOT fair and XXXX. I never received the right disclosures or a choice on the sharing of my information. Any advantage from these transactions has not gone to me. I feel like an identity theft victim. Please block, delete, and promptly take them off of my customer report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with Metro 2 credit reporting.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-08-30 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: DISCOVER BANK
State: NV

Complaint narrative:
I had an unfortunate experience with Discover Card company. Despite filing a claim back in XXXX, it took until XXXX of XXXX for the claim to be processed. The fraudulent charges on my account are primarily digital, and there are also a few charges made at locations I have never visited or shopped at. 
Initially, Discover credited my account for these fraudulent charges. However, they later removed these credits, claiming that they had sent notifications to the cellphone that was stolen from me. As a result, Discover is now demanding payment for the same fraudulent charges that I had already paid while patiently awaiting the completion of the initial investigation. Furthermore, they have closed my account, which is adversely impacting my credit score. It's important to note that I have never missed any payments. 
At this point, I am in urgent need of assistance to recover the funds that were stolen from me and relieve the burden of being recharged for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This account was opened in XXXX. Charged off in XXXX. Company will not provide account validations with accurate dates, shows account closed in XXXX. I have been attempting to fix this since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
My XXXX  XXXX XXXX XXXX was purchased by GM XXXX credit ( Goldman Sachs ) and I did not get the same interest fee when Goldman purchased the card from XXXX  XXXX because no matter how much I pay my minimum or balance will not go down. I admit I was late the pass few months due to changing jobs, but as of last month I got caught up and my minimum never went down. I know Goldman Sachs is under investigation so I want to ensure the interest theyre charging me is correct as from looking at my old XXXX XXXX statements it seems as if the interest went up?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been disputing this account since XX/XX/23. Experian have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.

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 2023-08-30 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: VA

Complaint narrative:
On XX/XX/2023 an unauthorized transaction of {$5300.00} appeared on my checking account. The transaction was named as 'XXXX XXXX XXXX XXXX '. I inquired the bank ( Bank of America ) about the fraudulent transaction claiming I didn't authorize such transaction and I have no accounts associated with XXXX XXXX. 

The following next day, another transaction of {$25.00} appeared on my checking account this time via XXXX under the name 'Child gift ' or E-gift. I contacted the bank about this transaction too. At this time, I realized that someone indeed has access to my login credentials or my debit card information. I deactivated my card and told them to send me the new one. 

Few days later I received a temporary credit for {$25.00} ( for 2nd claim of {$25.00} ). Following next day, I received an email for my first claim of {$5300.00} stating that they were not able to refund the amount. They listed four reasons that helped them for such decision one of which says that the payment was done through previously used device. I am confident that I am aware of all my devices and I would think twice before making such a huge transaction provided that my bank balance has never exceeded the total of {$6000.00}.

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo is still finding ways to discriminate against myself. I received an email stating my XXXX XXXX was no longer accepted as an address. 
I travel and live in my converted XXXX, XXXX for bid they call me homeless and less the a human! I do not have a permanent physical address. I am a divorced woman, retired and a XXXX senior citizen. Wells Fargo continues to find and cause as much anguish as possible because they do not like my kind! 

I AM TIRED OF APOLOGIZING FOR MY LIFESTYLE! I AM OVER 30 YEARS CLEAN AND SOBER HELPING OTHERS, PAYING FORWARD AS MUCH AS I CAN BEFORE I DIE! 
WELLS FARGO HAS DONE NOTHING BUT AGGRAVATE AND DISCRIMINATE! 

The letter I received from Wells Fargo threatening to close my account XX/XX/2023. I have four ( 4 ) direct deposits from government agencies that take over three months before direct deposit can be changed, not to mention trying to find a bank that isnt as corrupt as Wells Fargo. 
I have had this checking account for almost five ( 5 ) years. I will contact legal help for this discrimination and hardship Wells Fargo has caused me. 
I had a trip planned for my birthday XX/XX/XXXX, but now I have to worry about Wells Fargo stealing my money! 
I tried calling wells fargo customer service I was treated rudely and hung up on!

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I checked my credit report and noticed their negative reporting. I sent a validation of debt letter to the credit bureaus and the collection company asking for documents that prove the debt is mine. Neither of them could send anything. The collection company responded with a letter stating they couldnt find my account. I sent a second letter with copy of their reporting and asked for validation for the second time. Its been over two months and they never responded but the negative reporting is still in my credit profile

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