vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 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: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXXXXXX  I notified Wells Fargo that a check for the amount of {$260.00} was cashed by an imposter at one of their branches. I sent in all documents ( affidavit, drivers license ) that I did not open the account to Wells Fargo Bank. Well Fargo has denied my claim twice, saying I went in and opened and account and deposited that money {$260.00} and also closed the account. I have found out that Wells Fargo sent a denial letter to the imposter back on XX/XX/XXXX  which included my personal information. They have compromised my personal information as well as denying my money. 

I even requested form Wells Fargo to see the documents that were provided to open the account, to know which Branch it was done at and also to see the video of me opening this so called account. They have not provided me with this information. 

They are refusing to refund my money and have compromised my personal information with the imposter. 

I

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-01 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-01 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In CFPB Complaint ID XXXX, created on XX/XX/23, I described how Wells Fargo took over {$3800.00} out of my checking account without my permission and refuses to tell me why the money was withdrawn from my account. This CFPB case against Wells Fargo is still open and there only response on XX/XX/XXXX is that their response is " in progress ''. Since the {$3800.00} was withdrawn from my checking account against my will on XX/XX/23, I stopped all electronic deposits and manual deposits into the account for fear that Wells would take those funds as well. 

In XXXX, Wells Fargo informed me that they are converting my XXXX Checking account into a different type of account because me no longer having and average daily balance of {$500.00} and having {$500.00} in monthly electronic deposit results in almost {$130.00} in fees. However, the type of checking product, " Everday Checking '', Wells is moving my account to still incurs other types of fees if I don't maintain a minimum balance and volume of transactions.

I believe this is a pressure tactic by Wells to have me close my account before my complaint with the CFPB has been resolved and/or restart making deposits into the account so that they can take those funds as well. I feel that this is a non-transparent and predatory tactic. 

Again, Wells refuses to tell me why the money was taking from my account. Moreover, my only WF product with a balance is my home mortgage and it is in good standing.

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 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one has stolen XXXX dollars from me. I deposited a legitimate check via mobile app my mobile limit was XXXX check was XXXX the immediately flagged it as fraud closed my accounts and are not returning money. Check was a legitimate payment from the sale of a property. My partner cut me the check from bank account and capital one said they called paying bank to verify check and check is fraudulent. Mean while the paying bank my partner called them and they have no record of capital one contacting nor did my partner receive a call to verify check as capital one has stated, this bank is full of crooks and a liars. They made no attempt to verify check just stole my money and lied about. My mobile app says check is cleared and funds available but they have locked and stolen it. Only fraudulent activity is with capital one, the are holding my funds which is every dime i have and terrorizing my families life. I cant pay my bills or feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-01 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: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-09-01 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The issue is causing me significant XXXX and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue 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 2023-09-01 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: OH

Complaint narrative:
My rights as a consumer are being violated since the information in this credit report is not accurate. 
The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. If these standards are not followed, it jeopardizes the integrity of the data. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future.

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 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
My car is a XXXX XXXX XXXX only 60k miles on it and the car will not operate and the dealer can not find what is wrong with it. This issue is apart of a class action settlement but they will not give me a rental or any assistance for me and my XXXX children. It has been 3 weeks and I am still paying a loan payment of {$660.00} a month so I can not afford a rental or XXXX for the XXXX of us. My car insurance or XXXX said I can not get a rental. XXXX said I have to be in an accident and XXXX said they do not help with this kind of problem unless its a factory part covered under warranty but they do not know the cause to know if its warranty covered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
Well, for one XXXX XXXX never try settle they sold the debt to McDaniel and Lyle firm out of ky I was not give a court date so of course the judge sign off I dont know you fight which XXXX XXXX or law firm never proof it was my debt of course never even try to settle it so now they garshment of my wages it almost paid off I just want XXXXXXXX XXXX or McDaniel law firm give credit for payment received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: IA

Complaint narrative:
I have been late on payments with Fortiva Retail Credit. Per an email received XX/XX/2023 if I made payment by XX/XX/2023 then they would match 50 % of the payment amount made. They are denying this. Also I received an account statement dated XX/XX/2023 that indicates minimum payment due by XX/XX/2023. There is nothing indicated in that statement that my account was closed. I only found out this information by checking XXXX XXXX and seeing a closed account on my credit report. I then contacted Fortiva and was told a letter was mailed out regarding account closure on XX/XX/2023. 1 representative claims the letter was returned however all my statements mailed to me have never been returned ; another representative I spoke with only indicated they mailed a letter dated XX/XX/2023, nothing in regards to it being returned. I have lived at my address for XXXX years and never had any problems with any other creditors regarding mailed not being deliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There is illegal collusion between the federal middle district Court in XXXX and Chase Bank. 
In XXXX, a realtor friend of mine warned me that he heard that Chase Bank asked the FBI to get me on " something '' because I refused to answer any of their " Have you stopped beating your wife? " self incriminating questions at their disposition. 
I had never been arrested before in my XXXX  years of life but when the FBI pointed XXXX Glocks ( these guns have no safety and we're inches from my head! ) at me and ordered me to " drop the broom! '' I was holding, I was arrested, handcuffed, leg shackled and taken to jail. 
They told me I had been secretly indicted by a grand jury, that I never saw, and nobody bothered to inform me that I was wanted for bank fraud, ( exaggerating my income on a Chase Bank mortgage loan application ). 
I have a reverse mortgage and social security income of XXXX a year. The XXXX XXXX XXXX XXXX XXXX is taking {$100.00} a month from my social security. I have paid over {$6600.00} so far since I got out of prison in XXXX, but Chase Bank has never answered my many motions to judge XXXX to confirm that Chase received any of my money. 
I have no debts. But my federal judge, XXXX XXXX, put Chase 's XXXX for $ XXXX on my house in XXXX, which is only worth {$200000.00}! 
This XXXX is illegal because Chase Bank never sent me an independent audit proving that they lost XXXX XXXX from my XXXX mortgage foreclosure That's the law requires! 
This Federal restitution XXXX on my homestead in Florida is preventing me from refinancing .Chase Bank never sent me a independent audit ( despite my many requests! ) as a banker informed me, '' They can not just pull figures out of the air and say you owe them this amount! They must give you an independent audit to prove their claimed losses or you don't have to pay them without this proof. '' XXXX XXXX, Chase Bank and XXXX XXXX  also say I owe them the same amount XXXX XXXX for my XXXX foreclosures on XXXX different properties, for XXXX different prices, on XXXX different dates, which is statistically impossible and my judge believed them! 
My many motions to my federal judge to remove his illegal XXXX on my home has resulted in nothing but a veiled threat that the government can seize my home and that my complaint is " trivial '' ( a XXXX XXXX dollar restitution XXXX, Trivial? ) This is a lifetime sentence and is cruel and unusual punishment! 

XXXX XXXX

Company response to consumer: Closed with explanation