vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, 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 I never authorized any of these credit inquiries on my 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 2023-02-09 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:
Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XXXX XXXX, 2022/ this does not belong to me

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 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a mortgage with Wells Fargo and monthly payment unexpectedly went from {$350.00} to nearly {$400.00}

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 2023-02-09 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: IL

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
- I was in contact with Wells Fargo in regards to fraudulent charges that appeared on my bank statement. Due to those charges in addition to my payments that were on autopay I was put into the negatives and then charged overdraft fees by wells Fargo on top of that. Instead of fixing and helping with the fraudulent charges they ended up closing my account in XXXX of 2022 and now I have no access to online banking. Wells Fargo also claims that I owe them a couple XXXX dollars.

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have been having a rough time financially, but I am on track to taking care of my debts. I have not heard from Hunter Warfield since XXXX of XXXX, but I am aware of my debt with them. I reached out via phone call on XX/XX/XXXX at XXXX XXXX. The first representative I spoke with explained the options I had but neither of the two were within my financial means. I gave them a number that I could afford to settle the debt, but he refused and said that the lowest they would go was the amount stated for settlement, around {$1900.00}. I tried to explain that I am currently unemployed, a XXXX XXXX, and taking online classes to earn my degree so I can get a better job and that I did not have much but that I could afford {$1100.00}, but no more than that. The original amount owed is around {$2300.00}. The first representative got frustrated with me and told me he needed to transfer the call to someone else. The call was transferred to XXXX, which is when it got worse. I re-explained my situation, but he still pressed and said that they could not go any lower. I told him that the two options they gave me were not possible for me and my situation which is when he said, " how close to $ XXXXXXXX {$1600.00} can you get? '' I again told him that I could only do {$1100.00}. I told him I understood that it is low, but it is all I could afford. He then asked me what my future plans were. I told him I did not know what he was referring to. He stated " you are going to school right now, right? Does that mean you want to get a job after you graduate? '' I told him yes, of course, which is when he said that the {$2300.00} owed would be better than $ XXXX {$6000.00} in court fees or 20 years in XXXX  because of this unsettled debt. I am aware of my rights, and I know that I can not be threatened with XXXX time from a debt collector. This statement from him infuriated me, as it is not only a threat to me but to my XXXX son as well. I do not appreciate being threatened when I am trying to correct my errors and resolve my debts. I told him that he could not threaten me with XXXX time. Throughout the XXXX phone call I was threatened, they raised their voices, cut me off, spoke over me, and called me rude multiple times. This company, Hunter Warfield, is unprofessional and out of line. I only hope to resolve my debts without having to deal with that level of verbal XXXX  again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On or about XX/XX/2023 I checked my EXPERIAN consumer report after receiving a text message about a change and a decrease to my XXXX score. I noticed that EXPERIAN was reporting an collection account from XXXX XXXX XXXX I never gave EXPERIAN written permission to report anything to my consumer report which is a violation of 15 USC 1681b ( a ) ( 2 ) and thats a violation of my consumers right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) they have assumed a vital role in assembling and evaluating consumer credit, inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The INTERNAL REVENUE SERVICE in their publication 1212 states that collections are income to companies and their are suppose to supply me a 1099c I never received that form, so they receive income and trying to extort money from me and EXPERIAN is aiding and abetting this extortion. I have taken the liberty to file an complaint with CFPB and will also file complaints with FTC and the ATTORNEY GENERAL

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 2023-02-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My vehicle was deemed a total loss after an accident. The insured parties insurance paid market value for my vehicle which included paying the remainder of my loan amount. I submited correspondence from the insurance and myself stating that the payoff included what would have been my last payment ( XXXX ) so there was no need for me to make an additional payment. I electronically signed my portion for the payoff on or about the XXXX of XXXX and the loan was paid off on XX/XX/XXXX. Wells Fargo Auto still considered me delinquent on my last payment.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I switched my social security direct deposit and on the social security website it stated my social security check would be deposited into my chime account on XX/XX/2023. I still have not received it and contacted chime multiple times regarding this matter and they tell me over ans over again they do not see a social security check being deposited into my account as of yet. I have been getting social security payments for many years now with other banks and have never had this issue with any other bank. This bank also claim to Pay you up to 7 days early and Its going on 7 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 XXXXXXXX has violated my rights. Or list of inquiries 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 2023-02-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus also violated several other of my rights. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received multiple overdraft fees on automatic payments that could have and should have been denied in the month of XXXX. Also, the payments did not post, and I had to pay a return fee to the merchants. After my account had already been overdrawn they allowed more overdrafts of XXXX. After that more overdraft fees were added to items that were paid when I still had the money in my account. My account has been closed and I am being told I owe around {$700.00}. I am no longer able to access my account 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 2023-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted disputes to inaccuracies on my credit reports and Trans Union and XXXX have refused to investigate them because they believe " I '' am not submitting these disputes. 

I have provided them with follow up information, ID, and confirmed the information in my credit bureaus and they still refuse to investigate.

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 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY)
State: GA

Complaint narrative:
I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL I CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. 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, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to an transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
THE FOLLOWING XXXX ACCOUNTS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX  XXXX XXXX FOLLOWING : XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX FOLLOWING : XXXX XXXX {$170.00} 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 [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS. 
15 U.S.C 1681S-2 [ A ] [ XXXX ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XX/XX/2022/ this does not belong to me

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 2023-02-09 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:
Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XX/XX/2022/ this does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I applied for a Home Depot credit card that advertised " 6 months to purchase everything for your project '' with " No interest if paid in full within 6 months on purchases of {$290.00} or more ''. I received an approval letter that stated " Congratulations. You've been approved ''. It wasn't until I started receiving statements, that I realized I was being charged interest and the approval letter was not for what I applied for but rather a loan with a fixed rate of interest with no 6-month promotion. I contacted XXXX/GreenSky ( the lender/servicer ) for the account numerous times to resolve this to no avail. I keep getting charged interest and can not get the minimum payment that is due without interest on my statements.

Company response to consumer: Closed with explanation