vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello - I recently ran a Credit Report on Experian.com and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


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 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
CREDIT CORP SOLUTIONS apparently purchased the alleged debt from XXXX XXXX, CREDIT CORP SOLUTIONS has continuously harassed and oppressed me for a year. using false representation of the character and amount of the alleged debt. sending me misleading and inaccurate statements. I have responded several times by sending certified debt verfication letters along with a cease and desist. CREDIT CORP SOLUTIONS only would come back with more false and misleading documents. a year passed then an alleged law firm by the name of XXXX XXXX XXXX got involved and started harassing me by sending me the same false and misleading documents. I responded everytime with a certified debt validation request and they would only send me back more inaccurate statements. dates of CREDIT CORP SOLUTION harassment dates started XXXX ... XXXX ... XXXX ... XXXX and XXXX XXXXXXXX XXXX XXXXXXXX continued the harassment XXXX also in XXXX when CREDIT CORP SOLUTIONS first contacted me and I responded. XXXXXXXX XXXX SENT ME A LETTER ALONG WITH A CHECK ( THAT IM SURE THE AMOUNT WAS INCORRECT, IM SURE THEY OWED ME MORE ) Admitting that the debt was inaccurate and charged me incorrect interest fees. THE CFPB ALSO BROUGHT A CLASS ACTION LAWSUIT AGAINST XXXX XXXX FOR CHARGING INCORRECT INTEREST FEES TO THEIR CUSTOMERS AND FOR DISCRIMINATING AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I received a call from Wells Fargo ( it was their number but not them ). They had all my information when I answered the phone and had advised me rhag my card had been used for fraudulent purchases ( when I checked online it had ). The imposter rep assured me it was all going To be returned. I had {$31000.00} taken ( combined debit purchases and wireXXXX transfers XXXX I have a police report detailing everything. I received the debit purchases totaling {$11000.00}. Wells Fargo is refusing to return the {$19000.00} in transfer stating that because it was done using a secure system it was approved by me. It infact wasn't. I am out years worth savings. I believe it was an inside job. This person know my account info and would call me an hour or two after I had called Wells Fargo myself.

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 2022-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received letter today with case number from Bank of America came with out contact number. Bank of America canceled the sale XX/XX/2023 said they had opened fraud case of the forged FHA mortgage they are using to take our house. Instead this reappeared on the foreclosure county callender. 
Tried calling their XXXX attorney he doesn't answer phone. So I am attaching the settlement agreement I offered them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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:
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  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a XXXX charge on my bank statement. I looked up on XXXX for a customer support number. I found this one ( XXXX ) XXXX. They answered right away the guy used the name XXXX XXXX and he said XXXX support. May I help you? I told him I have a monthly charge of XXXX I dont recognize. They asked for my XXXX ID. I told them I dont know it. They advised me to go to the XXXX XXXX and download XXXX app. They said, Your phone has been hacked into and your financial data like credit cards and your banking are at extreme risk. They said we will walk you through and now can see each one of your accounts. They got full access of my phone screen they were directing me to download XXXX, and send a money transfer to XXXX and XXXX. I was questioning and they said no we are not the hackers we are XXXX support you called us remember? Scammers call you!! So I trusted these dummy transfers because they said once they are done with the identity clarification they will transfer the money right back to my accounts. They used XXXX XXXX app to get a total of {$950.00} USD {$510.00} from my XXXX XXXX credit card, and {$470.00} from one of my XXXX XXXX XXXXXXXX XXXX XXXX. Lastly, {$340.00} out of my Chase checking account using XXXX. Payment was transferred to a XXXX XXXX. The credit card transfer amounts went through XXXX XXXX to a XXXX XXXX XXXX, XXXX # XXXX. These transactions were still pending when I went to my chase bank branch and when I called XXXX XXXX and when I called XXXX XXXX XXXX. The XXXX  transaction went through within 4 seconds. This should not be. The scammers tried to submit the {$510.00} twice but XXXX declined the one but let the other one go before the declined the second. Please help. This is the email they used XXXX. XXXX ID XXXX id XXXX. I filed a complaint with XXXX, XXXX, Chase, XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX. 
I also filed a XXXX police report in my XXXX where I live. File number is XXXX. 

Thank you for your help in this very disappointing vulnerable sad time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the fair credit reporting act, Credit Acceptance has violated my rights under 15USc1681 section 602 states I have the right to privacy. 15 USC 1681.604a section2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor can not treat a payment on a credit card under an open end consumer plan as late for any purpose.

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 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
ortiva Credit Card issued by The XXXX XXXX XXXX, XXXX XXXX, XXXX Has closed my account claiming it is due to payment history. They have not given me any notice and are in violation of it's own policy. I was notified today that my account was closed by them in XXXX. If you review the statements attached you will see that my account was active and last recent purchase with the card was made on XXXX. Fortiva has no valid reason to close the account, and Fortiva can provide no notice or reason sent to me ( per their policy claiming that they are closing the account for any violation ). Instead Fortiva, continues to accept payments on the credit the provided and refuse to make that amount available for me to use, claiming for some reason that my account is now closed. This bait and switch should not be allowed and is deceptive. This account has been open since XXXX of XXXX. A missed payment does not justify closure of a account. Nor is it part of its own customer agreement to do so. Fortiva has clearly charged a late fee for that missed payment and was paid that late payment and account was in good standing and a purchase was made this month, there is no valid reason Fortiva can provide to close this account. ( see the statements attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXXL # XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-09-27 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: CA

Complaint narrative:
I recently did an investigation on my credit report which caused severe 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. 

XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX *XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2022-09-27 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: CA

Complaint narrative:
I recently did an investigation on my credit report which caused severe 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. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX *XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2022-09-27 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: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
WAKEFIELD AND ASSOCIATES IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE MEDICAL COLLECTIONS FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I filed a complaint with the CFPB see case number below. 

I still disagree with their response. AMEX cant even get the date I opened the account correct. Their response letter says XX/XX/2022 I opened the account but it did not have the 0 % promotional offer linked to it. However I opened the account on XXXX XX/XX/2022. I have confirmed this with my credit report. 

An ANEX manager told me AMEX doesnt even know what offers are given out through 3rd parties such as XXXX where I signed up for the card. If they dont know the offers and dont know when I opened the account, I cant take their response. 

I would like AMEX to honor the offer I signed up on and detailed in my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: LA

Complaint narrative:
please remove this fraudulent/ unauthorized inquiry from XXXX XXXX XX/XX/2022 or provide proof in writing within 30days.

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 2022-09-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Filed a dispute with Citi for a service which was performed poorly and damage was caused during the process. Video and pictures of the issues are available but Citi 's antiquated processing system does not allow for this evidence to be provided to the dispute department or investigators. There is no way to upload any of these artifacts online. The only way I found out i can provide this information through emails, only after not receiving any correspondence in the websites " documents and statements '' section the case was closed, I found out by logging in to make a payment. The dispute department provided an email address after I voiced concerns as a customer, I don't feel like I have a fair chance to have an investigator adjudicate my case because I can't upload anything an email address was provided to only upload documents only. Due to their aged system there is no way to provide images or videos. It is like going into a court of law and telling the judge i can't provide you with all the evidence. As the customer who is not at fault, with all the documents provided through email, including an evaluation by a third party company who stated the same issues I found are not to industry standards, and images uploaded my case is still closed and I'm responsible for charges I should not be responsible for because Citi does not provide their customer a fair opportunity to provide all the evidence. You can't get a hold of the investigator, nor does the dispute front end department have the ability to do anything or even look at the images uploaded. How is this fair to the customer who is not at fault? I'm demanding Citi open the investigation and look at all the supporting documents and return my money for services not rendered.

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 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have contacted Ally with an AFFIDAVIT for the VALIDATION of DEBT for account # XXXX, and a valid contract between me and ALLY with my wet signature. After 56 days, Ally has failed to reasonably respond to the changes to the contract I have submitted with my presentments. As a remedy to this, I have made a demand for zero balance, demand for the grant of my title ( CLEAR and FREE ), demand for the reimbursement of the downpayment of {$1000.00}, demand reimbursement of code violations in the amount of 21,000 for those code violations, demand for the cost of postage for {$100.00} and demand for removal from all consumer reports. This company has not responded to my presentments and as of XX/XX/2022, I have waited for 56 days and therefore VOIDS their claims against me and their security interest in the XXXX XXXX. The mailings above were sent via return receipt which I have that are signed by this company. The XXXX, XXXX XXXX, has been contacted as well. 
Due to the non-response, I am now sending my INTENT TO SUE.

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 2022-09-27 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: NY

Complaint narrative:
i did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
1. XXXX XXXX, XXXX ( XXXX, XXXX XXXX ) 2. XXXX XXXX XXXX XXXX, XXXX, XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ) 4. XXXX XXXX ( XXXX, XXXX XXXX ) 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 6. XXXX ( XXXXXXXX XXXX XXXX ) 7. XXXXXXXX XXXX XXXX XXXX XXXX ) 8. XXXX ( XXXXXXXX XXXX XXXX ) 9. XXXX XXXX XXXX XXXX XXXXXXXX )

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