vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was hack the time my account was close causing my account to fall XXXX negative and close.

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 2023-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I applied for benefit around 2021, I'm yet to be issued a XXXX prepaid card till date and i had XXXX on the card. I really need money a lot please let bank of America kindly do something about it thank you.

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 2023-01-22 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: GA

Complaint narrative:
After several attempts of calling and disputing I have yet to receive an update with corrected information. This agency is furnishing incorrect information on my credit profile. This has harmed me in obtaining any line of credit. They forced my hand at bankruptcy and even after that they still are reporting incorrect and outdated information.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 2023-01-22 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:
My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account XXXX XXXX balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. 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 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 Fraudulent addresses 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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Late payments for loans over XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Late payments for loans over 10 years old from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Late payments for loans over 10 years old from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I financed my vehicle with credit acceptance. My vehicle was $ XXXX. I have paid over $ XXXX so far on the loan but they told me my pay off quote is still $ XXXX. Their interest rates and late fees are extreme. I want to sue but dont know how. Plus the car they sold me has major issues, I have spent hundreds on getting it fixed.

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 2023-01-22 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:
My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account Procollect inc balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. Capital XXXX XX/XX/XXXX 2. XXXX bank Delaware XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5 foursight capital llc XX/XX/XXXX 6 regional acceptance XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX  XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXXXX/XX/XXXX 14. XXXX XXXXl XX/XX/XXXX 15. XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 17.XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XXXXXX/XX/XXXX 19. XXXX XXXX XXXX XXXX  XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23.XXXX XXXX  XXXX XX/XX/XXXX 24 XXXX XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 28.XXXX XXXX XX/XX/XXXX XXXX XXXX 1. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX tx XXXX 3. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX tx XXXX 4. XXXXXXXX XXXX XXXXXXXX XXXX XXXX tx XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX 6. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  tx XXXX 7. XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account Procollect inc balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XXXX XXXX  XX/XX/XXXX 6 XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXXXX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.XXXX XX/XX/XXXX 17.capital XXXXe XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XXXX XXXXXX/XX/XXXX 19. XXXX XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23XXXX bank XXXX XX/XX/XXXX 24 XXXX XXXX bank Delaware XX/XX/XXXX 25. XXXX XXXX XXXXXX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXXXXXX XXXX XXXX  XX/XX/XXXX 28.XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX tx XXXX 3. XXXX XXXX d XXXX XXXX  XXXX tx XXXX 4. XXXX XXXX XXXX XXXX XXXX tx XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX 6. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 7. XXXX XXXX XXXX XXXX tx 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 2023-01-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-22 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-22 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Multiple overdraft fees that were not reimbursed fully or at all

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 2023-01-22 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: CA

Complaint narrative:
Re : Unauthorized Credit Inquiry & Fico Score error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit Inquiry error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an Inquiry on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. 

I am also requesting that you request a rapid rescore on my behalf from Experian. 

I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you, 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 2023-01-22 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: Bay Area Receivables, Inc
State: MD

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 Section 602A. 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: Berlin-Wheeler, Inc. (Kansas)
State: MD

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 Section 602A. 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.

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 2023-01-22 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: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There's incorrect PersonaXXXX information 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, Somebody has opened two accounts in my name with Bank of America. After that the person started to transfer money to another account. The transferred amount was $ XXXX. It all started that I received a message that somebody requested my online ID for Bank of America. Shortly after I received a message that two accounts were opened. I immediately called Bank of America and after waiting for about 25 minutes I talked to a customer service lady. I asked her to freeze my accounts immediatly but she told me that she can't do this and she transferred me. During this additional waiting time I saw that money was transferred from my original checking and savings accounts to the newly opened account. I could also see that money was transferred from the newly opened account to another account. As I was waiting and probably talking to 5-6 other customer associates $ XXXX of my funds were transferred. I could not achieve any resolution with Bank of America for now. 

Regards 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 monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Unfairly charged surprise overdraft fees on debit purchases and ATM withdrawals, even with having enough money in the account at the time of the transaction. 
Debits were reorganized to benefit the bank in regards to accruing fees instead of being tallied at the time of purchase.

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 2023-01-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This Account belongs to a Company it is a Corporate account. It has been open for three years now it was never reported to my personal credit. Now out of spite because the account was 30 days late the bank has reported onto my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Massive overdraft fees

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 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: MI

Complaint narrative:
I have filed multiple reports, disputes, and complaints with XXXX XXXXThere are multiple phone services suddenly popping up on my collection reports and this is just one of the 3 I have to remove. My XXXX has also been compromised. I lack any knowledge of any account associated with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This bank is charging overdraft fees even if there are funds in the account. This has been multiple times each month. Even though I call to complain nothing is done to help or give the accidental overdraft fees back as a refund.

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