vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I received a letter in XX/XX/year>, 10 days after the date it was printed from WFB without a signature, or direct contact line, stating that if I did not provide my tax returns by FAX or at a WFB branch in 17 days, my small business credit card, which I have had for 24 years would be closed. I am at my second home in OK helping my daughter with her XXXX XXXX year old while we wait for her to deliver a new baby. My primary residence is in TN. I plan to be here until XXXX. My taxes are in TN. There were only two ways provided to deliver the taxes, by fax or take to a WFB branch. My tax returns are dozens of pages. IF they were here in OK, it is {$3.00} per page to fax. WFB has closed all branches in OK, so I could not do that either. I sent a letter to XXXX XXXX, Head of Small Business cards, XXXX XXXX XXXX, XXXX XXXX XXXX, Delaware XXXX on the XXXX of XXXX. I have received no response. I called the phone bank number on the letter and asked for an extension. They said that wasn't possible. I filed a Case with Wells Fargo, Case # XXXX. I received the same response, " send taxes by XX/XX/XXXX or we are closing your small business card. 

I want an extention to file my taxes until XXXX. I don't believe it is fair to demand this on such short notice. Wells Fargo again, demonstrates they could care less about the 24 year relationship I have had with 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 2024-08-19 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with Truist Bank ( formerly known as Branch Banking and Trust Company, doing business as BB & T, BB & T XXXX XXXX, Lightstream, SunTrust Bank, and SunTrust Mortgage ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-19 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: LA

Complaint narrative:
My information was exposed in a data breach. And Ive noticed inaccurate information and unauthorized accounts. 
Ive also received phone calls from lenders that I have never open accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My information was exposed in a data breach. And Ive noticed inaccurate information and unauthorized accounts. 
Ive also received phone calls from lenders that I have never open accounts with.

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 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am victim of crypto currency scam. The XXXX was the platform acted like a genuine platform, and asking for money transfer, i became victim and i kept transferring money to the platform, need your help in recovering my money. 

The details are provided in the attached document

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX my business received a chase business ink credit card ther the business a corp name XXXX XXXX Since economic effects and financial issues the company had to close at XX/XX/XXXX And company was not able to pay the chase credit debt since then However the chase report the my personal creditors to ruin my credit score instead of reporting to business I tried to negotiate with them several times however they dont want to do settlement with me they keep treating me to ruin my ssn and credit score Now they want to charge off & collection activity for the account Please help me or advise me what to do with them to protect my personal credit score from business account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  and equifax  are unwilling to accept the documentation provided to me to remove credit reports during the time i was forced into XXXXXXXX XXXX XXXX XXXX. i am XXXX as a result and require assistance XXXX  and equifax are not providing this request information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently checked my credit report and saw an unauthorized account.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TX

Complaint narrative:
Fraud in the amount of {$420.00} was discovered in XX/XX/XXXX statement on my Discover Business card XXXX XXXX XXXX XXXX. 

Discover credited my account {$420.00} as indicated in XX/XX/XXXX statement. 

In XX/XX/XXXX statement, a transfer balance of {$520.00} appeared on XX/XX/XXXX. When I inquired about this charge, I was told that a mistake had been made and would be corrected but never was. Since Discover would not correct this error, I decided to withhold payment in XXXX and XXXX. My account was then closed and my credit rating was lowered. 

Two weeks ago I talked to the Discover Business fraud department about this matter and was told that a mistake was made on the {$520.00} transfer balance and they would send me a check for the {$420.00} fraud charge. To date, I have not received a check. We did pay off the balance of the account last month. I have been a loyal customer since XXXX and have always paid my statement balance off each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I requested the contract in its entirety. US Auto Sales has a clause stating that they would give my loan to a finance institute. Westlake Portfolio isn't a finical institute. according to the clause in my contract with US Auto Sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my life and my credit 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 2024-08-19 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my life and my credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: LA

Complaint narrative:
I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I spoke with a fraud specialist from Experian, I explained my case that I was a victim of identity theft, who fraudulently opened accounts in my name at XXXX and other accounts. I mentioned that I contacted the XXXX XXXX and was told XXXX that the account in question was fully in good standing. That call was in XX/XX/XXXX but I mentioned that I was the account holder and it was never applied. with them and I did not have a XXXX XXXX, they simply transferred me to another XXXX department and after waiting more than XXXX minutes XXXX cut me off/ the Experian representative mentioned that they had already done their job and filed a complaint against XXXX and told them the account was mine and I couldn't remove it from my Experian credit report, that's when I told them that whoever helped me had sent them the copy of the identity theft police report the copy of the CFPB XXXX XXXX / XX/XX/XXXX the Experian company does not want to help me by opening another investigation either and I sent them the required documentation such as the police report. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account credit card accounts, loans in almost all banks but I never ever went in person or online signed anything please I ask you that this has to stop these criminals used my identity it all started when I bought the house in the city of riverside I bought that house only as an investment I have never lived there

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g Sec. 809 ( b ).

Please provide the following information : 1. Proof of the original debt : A complete and detailed account statement showing the amount owed and how it was calculated.

2. Proof that you are legally authorized to collect this debt : A copy of the agreement between your agency and the original creditor that grants you the authority to collect this debt.

3. Verification of my liability : Documentation that establishes my liability for this debt, including any signed agreements or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-08-19 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: TX

Complaint narrative:
You were notified by mail on 2 different occasions that you were reporting wrong payment history for account XXXX XXXX XXXX. It has been over a year since my initial letter in XX/XX/year>. I have attached a Bill of Particulars due to your negligence in responding to my disputes for over a year and the FCRA violations. Payment is to be remitted to the address on the invoice. Please see the attached dispute letters which is dated, and time stamped.

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 2024-08-19 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account XXXX  can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024,

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 2024-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
My daughter and I were the original lease holders for the vehicle. At the end of the lease, my daughter obtained new financing in her name only to buy out the vehicle. Hyundai issued a bill of sale with both of our names on it. The Virginia XXXX will not title or register the vehicle until they receive a corrected bill of sale that shows only my daughter since she is the sole party on the new loan. Hyundai is refusing to correct the bill of sale stating that since I was on the lease, their policy is to issue the bill of sale that includes me. That makes no sense since I did not purchase the car. Now my daughter can not get the car registered rendering it useless.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
" I believe my phone and computer were hacked at the time of the transaction. I did not authorize this transaction, and I am requesting a reinvestigation of my claim. Please consider that unauthorized access to my devices could have resulted in the fraudulent activity. ''

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 2024-08-19 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:
I have reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with complete accuracy. I have never been late on payments for the accounts that i have provided as an attachment inside this complaint XX/XX/year> and XX/XX/year>. Today is XX/XX/XXXX and my payment is due on the XXXX of each month. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided to me I asked that these payments be updated to PAID AS AGREED and ON TIME a thy should be due to the fact that I was never late. Thank you for your help Please see the attachment provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
I have reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with complete accuracy. I have never been late on payments for the accounts that i have provided as an attachment inside this complaint XX/XX/year> and XX/XX/year>. Today is XX/XX/XXXX and my payment is due on the XXXX of each month. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided to me I asked that these payments be updated to PAID AS AGREED and ON TIME a thy should be due to the fact that I was never late. Thank you for your help Please see the attachment provided

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