vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
Wayfair store credit card info was breached online. Increase in credit line requested without my permission. Became aware when received text that furniture was being delivered to Florida Address/I live in NY. Called Wayfair to enter dispute over {$5000.00} worth of fraudulent charges. Cancelled credit card. I Am still receiving texts RE : furniture being delivered to Florida address. I feel that this has not been resolved. Am a victim of identity theft. Phone service hacked along with XXXX XXXX XXXXXXXX Credit card. Police report also filed.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
It has been a couple of years ( 2 ) when money was transferred through my XXXX account to someone who so unfortunate has my same last name ( XXXX XXXX ). Therefore, when I called Wells Fargo to report it, they said I was scamming them ( maybe not in those words ) but they refused to refund the money. Very soon after on the XXXX page a new message was posted regarding being aware of scams. After reading on the internet people complaining about Wells Fargo for this same issue, I am now writing to you, to see if there is the possibility of retribution. I am XXXX XXXX XXXX on Social Security and no other income.

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 monetary relief
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
My credit reports have fraudulent accounts on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
My credit reports have fraudulent accounts on 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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my 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 2024-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I am a victim of identity theft, on XX/XX/year> some obtained an unauthorized title loan in my name with Best Egg for {$49000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My auto lease expired in XXXX. I've dutifully made all my lease payments on time. On XX/XX/XXXX I received a XXXX  from Chase Auto that I have a past due amount of {$1900.00}. I called and asked what this amount if for as I was not expecting another bill since my lease was over. They stated it was for property tax and a disposition fee. I told them I did not have the means to pay over the phone at the time ( XX/XX/XXXX or XX/XX/XXXX ) but requested a formal invoice and promised to pay once I receive it. They agreed to send me the invoice. After waiting a week and never receiving the invoice I called them again ( on XX/XX/XXXX ) and made the payment over the phone. However they reported a late payment to 3 credit bureaus. I requested that they delete late payment from my record on the basis that they need not provide adequate invoice or notification of charges ( not once but twice ) and I made every good faith effort to dutifully pay charges incurred. They stated that they sent and invoice in XXXX for {$1900.00} but I never received it. Furthermore I am subscribed to USPS Informed Delivery which emails me scans of every piece of mail that is being sent to me and don't see any coorespondence from Chase Auto whatsoever. This issue adversely impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-08-13 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: CO

Complaint narrative:
experian lowered credit score giving no indication why. try to contact them to talk to someone but impossible, only get auto messages wont connect to specialist

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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
As per agreement on XXXX XXXX  site where application was filed, I agreed to pay between : Annual fee $ XXXX {$120.00} for first year, $ XXXX thereafter Additional rates & fees Regular purchase APR 29.99 % and 36.00 % Intro balance transfer APR N/A Regular balance transfer APR 32.99 % and 36.00 % Cash advance APR 32.99 % and 36.00 % Cash advance fee 5 %, Min : {$5.00} Late fee up to {$41.00} Penalty APR None Balance transfer fee 3 % of the amount of each transfer Foreign transaction fee 3 % of each transaction amount in U.S. dollars Return payment fee up to {$41.00} Just highlighted some of the agreement above. Opened account On XX/XX/year>. I took a hit on credit score just to raise my credit score in the near future. I was charge {$170.00} maintenance fee all up front at XXXX for the whole year. ( Instead of the $ XXXX {$120.00} as promised ) I accepted it in hopes of my score soon to rise significantly. This was the 1st clue this was a bad company. 
Now On XX/XX/XXXX I received a letter stating my annual fee will be {$180.00} billed monthly at {$15.00}. Not the $ XXXX as previously promised. I called company and received no explanation to why I was being charged this amount against my application promise and they were not able to tell me after talking to 3 different departments and a supervisor. Only that it was the credit cards decision. I will tell you I paid perfectly every month even before due dates and keep an outstanding relationship with the company. I refused to renew this card at that amount and they said I have to cut the card up and not use it from this time on. Still after paying for a whole year already to use it. I had subscription and etc. coming out of this card. I said I still have 4 months left on the year I paid for and they said I could not use it if I refuse the maintenance fee now. That alone was unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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:
Consumer reporting agencies in violation of my privacy and unlawfully using my consumer transactions against me. Federal law prohibits the sharing of my private transactions, unless permitted through writing, by me, the consumer, which I have NEVER given either of them permission to even create a consumer report pertaining to me. Pursuant to 15 USC 1692b & 15 USC 1692c ( b-c ), all activities being reported are illegal. If reporting continues, I will exercise my right pursuant to 15 USC 1681 ( N ). 
I am being restricted of trading and contracting due to the unlawful reporting and sharing of my personal consumer information. Restrictions to my securities and my inalienable birthright, as a fully capable adult who has full capacity to contract, has been extremely damaging to my mental, physical and spiritual 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 explanation
Consumer complaint received 2024-08-13 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:
Consumer reporting agencies in violation of my privacy and unlawfully using my consumer transactions against me. Federal law prohibits the sharing of my private transactions, unless permitted through writing, by me, the consumer, which I have NEVER given either of them permission to even create a consumer report pertaining to me. Pursuant to 15 USC 1692b & 15 USC 1692c ( b-c ), all activities being reported are illegal. If reporting continues, I will exercise my right pursuant to 15 USC 1681 ( N ).

I am being restricted of trading and contracting due to the unlawful reporting and sharing of my personal consumer information. Restrictions to my securities and my inalienable birthright, as a fully capable adult who has full capacity to contract, has been extremely damaging to my mental, physical and spiritual health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I have had a Sears Credit Card for years. Once Sears closed the card is now referred to as Shopyourway. Last year the interest charged was 19.24 %. I received a notice that the interest rate is now 34.24 %. I contacted customer service and requested that my interest rate be reduced. I was told that I am not eligible for a rate reduction. Historically I don't leave a balance on any of my credit cards so I am not charged interest. My concern is the increase appears to be price gouging. The result of my call to the credit card company is I closed this account. My opinion is that I do not want to be associated with a company who would take advantage of people who are unable to pay off purchases before interest is charged. 

I am now waiting for the credit of {$69.00} that is on my account to be returned to me via a check. There was a refund for a purchase I had made and the amount was credited to my Shopyourway Mastercard. Time will tell if they honor this by refunding my money. 

Thank you for anything you can do to stop the interest gouging that some companies engage in on their customers. Corporations should not be harming people to benefit themselves to this extent.

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 monetary relief
Consumer complaint received 2024-08-13 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: Westlake Services, LLC
State: NC

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/year> ]. The inquiry was made by [ WESTLAKE SERVICE INC, ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 ( XXXX ) 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: MS

Complaint narrative:
I want these inquiries deleted because I did not authorize these companies to run my credit and this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : My account ending in XXXX with late payments along with their account numbers. 
Wells Fargo is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: NE

Complaint narrative:
Dear CFPB Team, I am writing to file a formal complaint regarding a debt collection account that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c. 

Account Information : Collection Agency : The Receivable Management Date of Collection Notice : XX/XX/year> Details of the Complaint : 1. Violation of 15 USC 1692c : According to 15 USC 1692c, debt collectors are prohibited from contacting a consumer if they are represented by an attorney or have requested in writing to cease communication. In this case : - I have previously sent a written request to the collection agency asking them to cease communication with me. ( Include the date of your request and any relevant details. ) - Despite this request, the collection agency has continued to contact me, which I believe is a direct violation of 15 USC 1692c.

2. Impact : These continued communications have caused undue stress and inconvenience. I believe that the collection agencys actions are not only inappropriate but also illegal under the FDCPA. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me at ( XXXX ) XXXX or XXXX if you require any additional information. 

Thank you for your assistance. 

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 2024-08-13 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXXXXXX Account XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX Account NumberXXXX  This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!

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