vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with 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 2023-07-18 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: TX

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with 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 explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Several times with Westlake financial we are trying to reduce or refinance the car because the payments are too high, after I got financial problems to pay it, after 2yrs doing payments on time, they never put down the bank interest rate. I was with late 2 months payments, they repossessed the car together with XXXX XXXX XXXX XXXX XXXX. I was called to make a deal with the late payments, after I paid the 2 last payments plus the current month. They never allowed me to get my car back, both companies not provide any notes or real address directions to get the car. Now after 7 days I can't get my car back and all my professional equipments too. I paid everything and they are still asking to extra fees to give me the car back. They aren't good professionals, they're not answering my questions by phone or email, and they aren't not allowed me to get my car back, because they're not providing the address where they put my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on Sundays, its giving me XXXX and stress.

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 2023-07-18 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: NJ

Complaint narrative:
On or Around XX/XX/23 I Disputed a Bankruptcy for inaccuracies.I questioned about how this information was obtained and the Response was the us bankruptcy court.I Then contacted the court and they gave me Documentation that they dont Report to any Bureaus At all so this is either a lie Or mistake.Nor did I give permission to Share my information this a violation of my Rights to Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received results f re om experian dispute. I have subscribed to their plan for almost XXXX Iam XXXX and they want me to go to the police for a account on my credit report and they refuse to tell me what information this company provided them. Experian keeps saying the info is valid. I requested a dispute to remove it. Now the information from the negatively reporting company is even more recent than prior to my complaint. The company name is XXXX XXXX. I asked experian to require the company to furnish what they have establishing my agreement they have not. I pay Experian to monitor.

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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get XXXX XXXX to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to XXXX XXXX  and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information

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 2023-07-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get XXXX XXXX to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to XXXX XXXX  and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get XXXX XXXX to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to XXXX XXXX  and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information

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 2023-07-18 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I do not own this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have opened an account with U.S Bank online and withdraw my retirement funds into this checking account and a few days after, U.S Bank decided to close my account out of nowhere and absolutely no reason whatsoever. I have contacted them several times and they failed to provide me a single reason as to why they decided to closed my account. And this happens while I am traveling outside of the country and relied on the funds on this account and it actually was the only reason that I made a withdraw to this account was because of having enough funds during my trip and I will be staying in XXXX for the next XXXX months. I was notified that the reason will be sent to my U.S Address and also they said they dont know how long the investigation takes and wont release my funds and when they do, they will send a check to my US address. This is not acceptable and I understand that they have a right to end the relationship for any reason, but they dont have a right to keep my funds especially when Im traveling and its very urgent for me to have access to my funds while Im traveling and they must immediately contact me and make sure I receive my funds in a timely matter by depositing my funds to my other account or any other possible way to make sure I will receive my funds immediately and completely.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am submitting a complaint on the inquiries I have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.

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 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Paradigm Assets, LLC
State: CT

Complaint narrative:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Commencing on or about XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX XXXX account to JPMorgan Chase Bank at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was called and emailed a letter from XXXX XXXX XXXX, claiming to represent Wells Fargo and attempting to collect a debt that was written off in 2015 in the amount of {$900.00}. They had my social security number, phone number and my current address and an old work address. 

When I told them I wanted a copy of the charges or what this was for, he started talking over me and told me Wells Fargo wouldnt speak to me, and if I didnt settle the account, Id be hearing from their lawyers. 

I did not bank with or have credit accounts with Wells Fargo in 2015. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Main : ( XXXX ) XXXX Called me from : ( 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 2023-07-18 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: MO

Complaint narrative:
Please see the attached documents to understand what had happened.

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 2023-07-18 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: NJ

Complaint narrative:
On XX/XX/2023 at XXXX I called experian fraud department I was explaining to a representative name XXXX that my rights had been violated by the company XXXX XXXX and also Experian she got rude and nasty and told me they have the right to furnish my personal information with out my written consent witch violates my rights In accordance with the fair credit reporting act 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 I was hang up on I called and asked to speak to a supervisor left my complaint with them as well Case number for my complaint XXXX this was originally a dispute of identity theft that they never resolved correctly after my ftc report police report and complaints a rep few mins later was able to get my new dispute in

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 2023-07-18 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I made a purchase at the Apple XXXX online. They sent my info to a physical store. I went to pick up my computer. The charge was XXXX cents. I was told by the person who signed me up for the card that I can pay in installments, but I was charged the full amount. Apple online/phone store suggested I call and tell Goldman Sachs I wanted to pay in installments. Days later, I notice a charge for {$1700.00}. I learned the {$1700.00} was the subtotal. The XXXX was with tax. Currently these two charges have appeared on my account since XX/XX/2022. Ive been asking them to remove the extra charge over and over again. One manger said it was their mistake. Another manager said I will have to pay. I will not pay for something f I have not purchased, nor have I authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America - Complaint My Bank of America bank account was compromised. Somebody used my Bank of America Visa debit card to create a fake account on XXXX and fraudulently spent {$3100.00} over a series of illegal transactions. In essence, my Visa debit card account was stolen and used on a fake XXXX account.

I have called Bank of America numerous times... spending hours at a time. Each time, they create a claim, give me a claim number and insist they will get back to us. When we call back ( again, hours each call ), they have no records of the claim and we have to start from scratch. They pass us around multiple departments and nobody knows how to help, don't want to help, and quite frankly, they don't care at all. 

Bank of America should be ashamed at the level of service they provide. More importantly, is is our understanding that they need to refund us the money fraudulently being used on my Visa debit card.

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2023 I deposited {$250.00} on to my Chime account via XXXX. Chime in return locked the account and then suspended it. I never gained access to the funds. They have asked for verification of intended recipient. I have sent over bank statements, Drivers license, screenshots of the XXXX XXXX account transfer, pictures of the debit card, pictures of proof of address. All I get in return is an automated response. I am currently out of town in Georgia with a child and I do not have access to my funds. I am borrowing money everyday and its quite pathetic that I have to beg for my money. I have no resolution. XXXX XXXX has provided all of the details of the transfer and confirms that the transfer was successful and provided documentation for me to provide to Chime which I did, however Chime has failed to respond. Please help.

Company response to consumer: Closed with non-monetary relief