vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I went to my bank well Fargo to deposit {$1000.00} into my account to XXXX to my attorney for court costs, during the time at which I entered the bank to use the ATM I had placed my business debit card into the ATM slot and deposited the money, after the deposit was confirmed I left the bank forgetting my ATM/Debit Card in the machine, shortly after I had sent my XXXX to my attorney bringing my account back to XXXX at which time my card was unlocked for the ATM transfer as it usually locked, lster that night / next day o had logged into my banking profile and noticed my account was now XXXX after looking into this thinking maybe it was a car payment or something I had discovered that my debit was used for 7 unauthorized fraudulent transactions totaling {$450.00} upon realizing this I immediately called the bank and told them what happened that if they check the cameras they will see everything, I submitted the claim with Wells Fargo on XX/XX/XXXX I called to check the status of the claim in which they had told me they had denied it bcuz they saw no suspicious activity within reason based on the back that during this transactions in between them I had logged onto my online banking which according to them validates that I was aware of this, I explained to the guy I was having connection issues with my phone and within the last few days was taking trips to the XXXX XXXX  where I actually had my phone replaced, I gave them my side of the story as to why maybe this had happened and insisted that they review video footage of the stores these transactions took place as well as the ATM camera where my debit card was stolen from, they told me they would not do this and that there is nothing they can do, my account is now overdrawn {$700.00} bcuz of incurred additional charges of {$35.00} per transaction, that transactions alone should prove enough it was not me as well as video evidence

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 2024-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: MS

Complaint narrative:
Hello I have tried resolving this with this company several times and the late payment is still on my credit report, I spoke with someone at this company about my email address needing to be updated and the information that was sent to me my email address was old and I dont have access to the address anymore, and I was also opted out of auto payment by this company without my permission. My purpose for working with this company was to fix my credit not ruin it..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my XXXX, XXXX, and Experian credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$990.00}. This account is currently showing as a collections account on all 3 of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or receiving these funds in any form or fashion. I do not believe this account belongs to me, and I demand it be removed from all 3 of my credit reports immediately. 

I have attempted to reach out to your company by phone on several occasions but have not been able to speak with any representatives. Therefore, I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me.

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me.

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible.

Your immediate attention to this matter is appreciated.

At the time I am writing this letter, it is now XX/XX/year> ; 31 days after my initial letter was received by XXXX XXXX XXXX. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from 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 explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Account was paid in full. According to company policy the collection should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XXXX XXXX XXXX ( Senior Fraud Investigator ) looked me up in Chase Bank system along with others for personal reasons in or around XXXX 2024. I do not have an account with Chase in no capacity. This resulted in her getting my residence address and posting on social media asking for the privacy gate code to my apartment complex. Which is a SERIOUS ISSUE!!! There is now a police report that has been filed against her for vandalism to my property. I would like to speak with a Chase Bank Representative IMMEDIATELY regarding this issue as it puts this bank in several serious compliance federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ammendment to XXXX XXXX new low Capital One ( XXXX ), last week you sent a XXXX XXXX to my home approx. XXXX who woke me up by shouting my name and calling me a XXXX and then driving his truck as if he was going ram right through my gate and refused to leave. You placed a repossession on my credit, then a hired a legal team to charge me almost XXXX for an XXXX car. 

You yet to explain the illegal fee of XXXX XXXXXXXX, btw none of the contracts match! 

You have committed the act of XXXX and many both Consumer, criminal and civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine Weiner XX/XX/XXXX {$330.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL IN CREDIT UNION XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  i recived notification about all these accounts that i have no knowledge whats so ever, it has been so disheartening to go through this the fact that someone would use my information for their own personal gain, i am deeply saddened for myself and the impact it has been on my life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
There's a credit card on my credit report from XXXX XXXXXXXX XXXX which was opened in XXXX of 2024 and the amount of XXXX with a balance of {$2000.00}. This is not my credit card I have never heard of this company I would like this information and credit card removed off of my credit report immediately I believe there was some fraudulent activity that was done in my information was stolen. After XXXX and a company they have very bad reviews and the common state that it is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Accounts that are being challenged DOE XXXX - XXXX XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-12 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: OH

Complaint narrative:
I sent a dispute letter to Transition because they have incorrect information on my credit report. The address they have is XXXX XXXX XXXX I have never lived at this address they also have my employment as XXXX XXXX XXXX XXXX XXXX  I do not work at these places. 

My address is and has always been : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-12 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: GA

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  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely Enclosed : copy of State ID and Utility bill showing proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX Credit Card for Unauthorized Charge and Customer Service Scam Dear Sir/Madam, I am writing to formally complain about an unauthorized transaction and subsequent poor customer service by XXXX Credit Card , which has not only affected my financial standing but also my personal well-being. 

On XX/XX/2023, my XXXXXXXX credit card was charged {$5400.00} without my authorization. The details of the recipient of this charge were not included in the transaction record, which simply shows as " completed '' but lacks any payment information or recipient details. I have attached a screenshot of the transaction as evidence of the missing details. 

Despite repeated efforts to resolve this issue through customer service, my complaints have been met with inadequate responses. Each time I contact XXXX 's customer service, my call is transferred multiple times without any resolution. I have called monthly since the charge appeared, and each interaction has been documented with a different complaint number, the latest being XXXX. 

This ongoing issue has severely impacted my financial health, affecting my ability to pay rent and other bills, and has caused undue stress and hardship. Additionally, XXXX has continued to charge interest on the unauthorized amount and is demanding a minimum payment of XXXX XXXX  monthly, further exacerbating my financial strain. 

Enclosed are copies of the transaction proof and email correspondences with XXXX 's customer service, which demonstrate the lack of effort on their part to rectify this fraudulent charge. 

I am seeking a full investigation into this matter, the reversal of the {$5400.00} fraudulent charge, the correction of my credit report, and a cessation of further interest and payments related to this charge. I believe XXXX has violated consumer protection laws and has not adhered to ethical standards in managing my case. 

We need justice. Thank you for your attention to this urgent matter. I am hopeful that with your intervention, this issue will be resolved justly and promptly. I urge you to also review similar complaints from other customers, accessible via online forums and consumer complaint boards, which suggest a pattern of fraudulent practices by XXXX, affecting many innocent people across the XXXX. Here are some angry customer complaints similar to my cases from reddit consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, 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 2024-07-12 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: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX, I received an alert for a new collection from XXXX XXXX XXXX stating that I owe XXXX from the Slate. I have written all 3 credit bureaus disputing this item requesting proof of debt. I did not receive a validation letter nor does the address matches any of my addresses on file with the bureaus. My contact with them states this is for an apartment. I am a homeowner and have not rented in years. I am requesting that this account be removed from all 3 bureaus immediately and a copy of all contracts etc. so I can file a police report, at this time I have an inaccuracy on my credit reports and I'm not getting and resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I take great care of my personal finances. Earlier this year I realized that there is a new collection on my credit report that I did not recognize ( never had a collection account on my credit file previously ). I have never done business with XXXX XXXX XXXX or Wakefield & Associates. This medial debt does not belong to me & I have asked through mail ( debt validation ) of Wakefield & Associates to show me proof & they have not. It's been many many months of terror affecting my credit profile. This is my last step before I seek legal guidance. On top of that every month the balance seems to increase, with no statements, documents, proof of debt. They are illegally charging me interest rates on debt that is not even mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX, XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8

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