vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CT

Complaint narrative:
A check for {$2600.00} was written in error and mailed to Discover credit card company and cashed on XX/XX/2023 We have no relationship with Discover card. 
I went through my bank and they said theres nothing they can do. 
I called Discover card at least XXXX times Every time I get a different person and nobody can help me get my money back When talking to the people at Discover, they can see the check and they can see they cashed it since we dont have an account I dont know where they applied that money. All I know is they wont give it back to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never initiated these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never initiated these inquiries : XX/XX/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

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I met with several members of the XXXX XXXX Chase branch in XXXX of XXXX  regarding opening a new checking and investment account and the promotion to do so. Upon speaking w/ XXXX ( Banking ), XXXX XXXX Investment ), XXXX XXXX Mgr ) I was told the following : I would qualify for a XXXX promotional bonus for opening up a checking w/ direct deposit along with investments totaling XXXX. After leaving the branch I followed up with the branch manager, XXXX, and he confirmed this in writing. 

Now, I'm being told that the coupons are not independent of each other and either or. Additionally, they are requiring that a savings deposit be opened as well with more funds. 

This is a classic bait and switch by the largest bank in the world. I've tried to escalate this with my private client banker, manager, and XXXX 's boss ( XXXX ) since XX/XX/XXXX and nothing has been done. I've also opened up customer relations complaints. Nothing done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-28 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:
Im begging you please remove this to the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I hereby submit this formal complaint against WELLS FARGO, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that WELLS FARGO would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-12-29 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX 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 2023-12-29 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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:
A collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX Fraud, XXXX, Equifax and XXXX but this account still remains on my report. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
This is XXXX XXXX please 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 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

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 2023-12-28 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: AZ

Complaint narrative:
The collection accounts on my credit report is fraudulent and do not belong to me i have recoeve no communication from these companies about me owing a debt. I have no affiliation with avana. 

According to the FCRA ; The credit bureaus are reporting inaccurate information on my credit report their is a collection that is reporting as opened.. Company XXXX XXXX been reported as opened, 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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover card again has negatively impacted my credit and credit report. The card was just opened the beginning of this month and when I spoke to customer service I was informed the balance would not be reported or reflected until the 10th of each month with my new due date of the 5th of each month. Now they have reported my card early and caused me to have a negative impact on my credit score partially to now showing over credit utilization. The fact that they purposely lied to me and reported a higher credit usage before Ive had a chance to pay the balance down is absurd and unethical. I will be escalating this matter further with investigation agencies and looking into legal representation for the continuing credit harassment and discrimination I am undergoing from the treatment and misinformation provided by discover card. This is the only card Ive had in my life that has caused such a nasty and negative impact on my credit in such a short time frame. What a lying XXXX deceptive company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo withdrew {$680.00} on XX/XX/23 and on XX/XX/23 from my checking account without any authorization from me. The bank put the money into my bank credit card account as if paying down a debt, which I did not owe. 
I contacted the fraud protection telephone number for Wells Fargo to get an answer why the bank did this. The bank representative would only treat the problem as a stolen ID issue and put me through the withering interrogation for that issue, and refused to acknowledge or explain my complaint that the bank had done this. 
Wells Fargo immediately closed my access to my accounts online. Their actions will include changing my account numbers, and are requiring me to contact every entity with whom I have a financial relationship to notify them of the change in account numbers. This will be an intolerable task for someone my age, on Social Security.I have tried to get back into my checking account using the instructions Wells Fargo shows online. But when I attempted to identify myself using my Social Security number, which they required, nothing happened to allow me in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
CFPB - XXXX I haven't been provided proof of a signed agreement and itemized transactions comprising the above debt. Only summary statements that aren't proof of the debt belong to me, especially since I've been subject to identity theft. I've asked for this to be provided many times, but there has been no resolution. So, before filing suit, I will attempt to ask one more time for those items, proving that this debt wasn't caused by my identity theft reported, as indicated in previous communications. South Carolina will require this information to be provided to my legal council as part of discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX US Bank has secretly worked with property insurance carrier to cancel property insurance- see attachments.-Retaliation # 2 Retaliation # 1 - US Bank gives XXXX XXXX in XX/XX/XXXX, then cancels it for no reason at all in XX/XX/XXXX CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX History : XX/XX/XXXX - Judge kicked US Bank and I out of Court after I reported to a third party regulatory agency and filed material proof in Court showing that counsel for US Bank had used false documents to get a default judgment against me in XX/XX/XXXX in a foreclosure action. Then counsel used court personnel to remove those material documents from the case after I reported that to another Court and Attorney. 

Once kicked out of Court, US Bank used other counsel to " cohearse '' me into signing a modification agreement-trying to maintain their hold onto obtaining money from me-which at this point is voluntary. 

The foreclosure case became a " null and void. '' Summary : The default judgment from XX/XX/XXXX is invalid and the modification they cohearsed me into signing while knowing I was on XXXX-not working is also invalid. 
Any money I pay them is a voluntary contribution. 
They are not satisfied still. 

They insist on using " harassive '' means trying to squeeze blood from a turnip or illegally take property that they have no standing to do. 

Since my first bout of unemployment and XXXX XXXX XXXXXXXX, US Bank has repeatedly not followed any guidelines or regulations outlined for mortgage service carriers/lenders ( not sure who they consider themselves to be ) to harass me incessantly using third parties of XXXX XXXX who are attached to this property in some way, causing me XXXX- I was diagnosed in XX/XX/XXXX, went to therapy for XXXX weeks, and now Im on medication for this condition that I did not bring on myself. 
( Diagnosed right after they starting harassing me again using Court Process in XX/XX/XXXX ). 

I have not been treated like a homeowner by US Bank. 
I have been hunted and preyed upon like an animal at the hands of US Bank for 7 years now.

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 2023-12-28 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: NJ

Complaint narrative:
XXXX is reporting a collection of {$650.00} from XXXX XXXX at XXXX. This is a medical bill and it has been paid in full. I have disputed with all XXXX bureaus a couple of times and supplied the proof of payment. It has not been removed from my credit report. When I call XXXX I am transferred to a very rude man ( I forgot his name ) that provides no information and doesn't seem knowledgeable. The original creditor has told me a few times that it should be removed.

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 2023-12-28 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: NJ

Complaint narrative:
XXXX is reporting a collection of {$650.00} from XXXX XXXXXXXX at XXXX. This is a XXXX bill and it has been paid in full. I have disputed with all XXXX bureaus a couple of times and supplied the proof of payment. It has not been removed from my credit report. When I call XXXX I am transferred to a very rude man ( I forgot his name ) that provides no information and doesn't seem knowledgeable. The original creditor has told me a few times that it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: DE

Complaint narrative:
I was on XXXX XXXX and happy to take advantage of the 6 % interest rate since my rate is an astronomical 28 % that I was forced into with no choice on a XXXX XXXX. XXXX XXXX started XX/XX/XXXX so my eligibility for the rate reduction did as well. I still had a {$390.00} payment. Then XXXX, XXXX, XXXX, and XXXX, my payments were reduced to the correct 6 %. In XXXX when I went on to pay it only allowed me to pay the {$270.00} which was the amount at the 6 % rate. Then suddenly I have a past due amount because the 6 % rate no longer applied. But according to a company representative that I have a copy of a conversation with- My 6 % lasts 90 days after my XXXX XXXX. So, the additional {$120.00} for XXXX should be refunded. The additional {$120.00} for XXXX refunded. The XXXX payment should be {$270.00} and I should only owe {$28.00} out of pocket for XXXX because I should not have any late fees. This should not have happened. This company prays on low-income, non-credit bearing individuals by giving them high interest rates and is now taking advantage of those that serve our country.

Company response to consumer: Closed with monetary relief