vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo shut my account down and gave me a number for the fraud department to call. I called the number and they said my account was shut off due to possible fraud and to go to the bank and show my ID and they would give back access. I go to the bank and they turn me away and said I need to make an appointment or walk-in when the bank opens. I try to make an appointment but it is two weeks out and I decided to walk-in and waited 2 hours until I am able to speak with a banker. The banker then proceeds to tell me that there was some fraud with a XXXX that was sent to me and they ended up taking {$500.00} out of my account when the transaction was authorized. They did not tell me this when I had called in and did not let me know that it was urgent that I needed to go into the bank by a specific time and just took the {$500.00} out of the account. The banker says to call the fraud number and put in a claim and they would credit back my money. I proceed to call the fraud department and they say there's another {$3000.00} that they were looking into taking out of my account, this was not even mentioned to me at the bank or the times I called the fraud department. From XXXX to XXXX another {$3000.00} was about to be taken out of my account. No notice from the bank what so ever. I escalated this to management and they said I couldn't put a claim in to get my {$500.00} back. I asked them if it was typical for them to just shut off my account access and expect me to know that I had fraudulent activity in review and they were going to take money from me with no notice. He said I should have been notified on my online banking or app whiche by the way they shut down. He said that I should have known to go to the bank right away if my account access was shut down, but I was turned away and told to make an appointment 2 weeks out. They will not give me my {$500.00} back and there was no notification from them prior to them completing their fraud review. The way they went about this was unjustifiable. They can not complete a fraud review without speaking with both parties and not even contacting them to get authorization. Wells fargo took {$500.00} out of my account on XX/XX/23 from a XXXX transaction that was done on XX/XX/23. They will not give me back the {$500.00} even though it was an authorized transaction.

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 2023-11-11 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-11-10 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: MI

Complaint narrative:
Last month I noticed XXXX XXXX XXXX has placed a account in collections on my credit report. I have never authorized a account to be opened or initiated with XXXX XXXX. XXXX XXXX has failed to verify the authenticity of this account. I also reported the inaccurate reporting to Experian by mail and phone and website. They have failed to verify the inaccurate information or remove 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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
I was a customer of XXXX XXXX for 17 years. I was on Auto Pay. This past XXXX they suddenly stated that I owed {$350.00} XXXX XXXX 
I tried to get this straightened out on many phone calls. Managers that were supposed to call me back, never did. After 17 years, I left XXXX XXXX because of this old, erroneous charge. I do owe them the rest {$340.00}, which I will gladly pay. I will not pay some fake {$350.00} from 7 years ago. 
Thank you. 
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 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zions Debt Holdings
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX Furthermore, I do not have a contract with Zions Debt Holdings. They did not provide me with the original documents I repeatedly requested and harrassed myself and family members for a week straight via phone call. They threatened to sue and would not stop calling until I had to tell them to cease and desist immediately! I have video/audio recording of these calls as proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: GA

Complaint narrative:
I stopped paying on this car because it isnt driveable any longer. Original car price was XXXX, and I signed for an interest rate of 22.9 %. However, my total balance to completely pay it off was somehow XXXX. That does not equal 22.9 %. They harass me constantly, and they have called me 8 times today, alone. They call multiple times per day, more than three times, which constitutes harassment. The company is Credit Acceptance Corporation.

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 2023-11-11 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: MI

Complaint narrative:
Last month I noticed XXXX XXXX XXXX has placed a account in collections on my credit report. I have never authorized a account to be opened or initiated with XXXX XXXX. XXXX XXXX has failed to verify the authenticity of this account. I also reported the inaccurate reporting to XXXX by mail and phone and website. They have failed to verify the inaccurate information or remove 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 2023-11-11 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: MI

Complaint narrative:
Last month I noticed XXXX XXXX XXXX has placed a account in collections on my credit report. I have never authorized a account to be opened or initiated with XXXX XXXX. XXXX XXXX has failed to verify the authenticity of this account. I also reported the inaccurate reporting to XXXX by mail and phone and website. They have failed to verify the inaccurate information or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: LCI Acquisition Inc.
State: CA

Complaint narrative:
LCI Lundquist Reporting Inc I have called 6 times left messages and certified mail to LCI and requested them to freeze and delete my information. 
They are not responding to me. They are sharing my private information without my permission. I sent this letter without a response XX/XX/XXXX XXXX XXXX XXXX XXXX SC XXXX RE : The Inaccurate and certifiably non-compliant information you are reporting To Whom It May Concern : Im writing you with this formal objection of information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there will be no deviation from XXXX Format compliance since, per the XXXX, XXXX Any deviation from these standards jeopardizes the integrity of the data. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. 

Your prompt attention to this important matter is requested in order to comply with federal law. 



XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX SS XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights has a consumer, so delete this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: CT

Complaint narrative:
I am submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX  with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.

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 2023-11-11 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: CT

Complaint narrative:
I am submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX  with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The listed account continues to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against you if you do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely Experian and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

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 2023-11-11 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-11 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I am not liable for this debt with XXXX. Furthermore, I do not have a contract with CREDIT CORP SOLUTIONS. They did not provide me with the original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've been trying to get my life back on track after being laid off from work due to my company closing after covid. This lay off hit me hard because I was also dealing with health issue, was in and out of the hospital, and was not able to get right back to work. I would like to get myself back on track so that I can move forward in life with my health and my credit score. And I know that these negative reporting are not helping and are a defamation of my character. 

In accordance with the Fair Credit and Reporting Act my creditors are violating my rights under 15 USC 1681A ( section 604 A Section 2 ) which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B- a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MI

Complaint narrative:
I had all of my student loans paid off in full and now they are saying that I owe them {$13000.00}. I called them and sent them proof of my payments such as their own receipts and they have not gotten back to me or erased the debt. I had paid off my loans in full and then they got a new website and started sending me statements with due dates on XX/XX/23. It has been months since they have gotten back to me and now they are sending me delinquency notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2023 I am a XXXX student and I was looking for a car on XXXX market and I found this one car from this one guy name, XXXX, XXXX XXXX and he told me that I could have this car if I put it down payment on so I put the down payment for XXXX. He told me I had to pay for a tow so I had to pay XXXX for that. He kept saying that he was almost there when he was not and I kept asking for his location he kept on asking for more money he said that I had to pay him {$100.00} if I want my money back so I did because I needed my money because I am a XXXX student and I dont have that much for myself I think I paid over $ {$1000.00} and I have all the screenshots and his ID and everything I have his phone number also

Company response to consumer: Closed with explanation