vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
This is my second complaint. I have provided my written information and my personal information. I requested proof providing statements showing I gave permission to have my information shared to third parties for any purpose. If proof can't be provided remove inquiries and update information to Maximum Accuracy as required. The Fair Credit Reporting Act protects consumer privacy in multiple ways, including by " limiting '' the circumstances under which consumer reporting agencies may disclose consumer information. FCRA section 604, entitled " Permissable purpose of consumer reports, " identifies an exclusive list of " permissible purposes '' for which consumer reporting agencies may provide consumer reports, including in accordance with the written instructions of the consumer to whom the reports relates.

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 2023-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Closed my Wells Fargo account ( # XXXX ) and was told a check would be mailed within 10 business days. Its now been 6 calendar weeks and Wells Fargo support will not reissue the check or provide any information on where my check is.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: SC

Complaint narrative:
I opened an account with Kikoff. The agreement was for XXXX dollars a month for 12 months. I paid on time and completed the agreement. Since the time that I started the account, I have changed emails, phone numbers and I do not have access to the old Kikoff because when I was done I deleted the app. They continue to charge my bank account XXXX dollars which is XXXX dollars more than what I was paying before after I was done with the one year agreement.. I did not notice they were still charging my account until I switch banks, and Kikoff reported I was over 30 days late. I finished my 12 months XXXX dollars a month agreement and they continued the account after I completed it and increase the amount to XXXX dollars. It is not about the money I have money, but I had a perfect payment history for the last XXXX years of trying to build my credit and now I have a late payment 30 and 60 days more because I can not make a complaint with Kikoff directly because I no longer have access to my old phone email or app information and when you go on to their site to complain they want a account number for you to submit a ticket for a complaint. So I cant resolve it through them. I contacted the XXXX XXXX XXXX and Kikoff repeatedly sends the same that they are legally obligated to report the correct information and they are not responding to my particular situation. Theyre giving a generic response.. I dont see how they can charge me for being late when they kept the account going for longer than I agreed when I finish the one year and close the account. So I have no way of logging in for a complaint. I have no way of talking to a real person at Kikoff, and they have now made my credit go down for late payments when I had a perfect credit history for the last XXXX years. It is ridiculous that you can not reach anyone or do anything when you are locked out and have none of the same information you had when you open the account year or more prior. I would like them to remove this from my credit history because I have not missed any payments on any of my bills. I have a good income and I do not care about paying a little XXXX dollars a month but I do care about them, being con artist, and charging me after my account was complete. Without my knowledge I just did not realize it until I switch banks, and they no longer were able to take the money out without me realizing, somebody needs to stop this and I need this handled

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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
2022 XXXX XXXX and cash app investing portfolios and forms not authorized by me nor submitted by me. XXXX and XXXX accounts hacked stolen information and submitted in my name. Unrecognizable late 1099-B tax form and investing amounts. Link bank accounts and cash app account unauthorized charges. No explanations or contacts willing to disclose from each account. I disputed on my credit report and froze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
XXXX, XXXX XXXX Transunion have violated my rights as a consumer, According to 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item, theyre reporting on several occasions without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Also within the title 15 U.S. Code 1681 ( a ) b Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for In addition to this section, 15 U.S. Code 1681a - Definitions ; rules of construction ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have also to the actions of trying to inform these companies on their inaccurate personal information and was met with resistance. 
These actions has caused damage 's to my life, with a few examples of my applications being denied in a time of a need also not being able to support my family in a health crisis .To which has also inflicted emotional damages of XXXX in reasoning that I can not find somewhere affordable to live.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: CA

Complaint narrative:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. I'm now opting out any and all authorizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802.

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 2023-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXX 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 instruction. 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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I found out both my business and personal accounts were closed on or around XX/XX/XXXX. They didnt inform me before and locked my online account, I called them and they said my accounts would be closed. My business account has balance more than {$12000.00}, and added my personal accounts have the moneybalance more than {$8000.00}. I called to chase 2 times a week until so far, they said they were reviewing my funds and their legal team were doing some review. And the rep said there was no time frame for the review, sometimes may take couple weeks or couple months. I didnt receive any letter for closing accounts and they give me no reasons. I have no money to run my business and my life! Could you please help me ask CHASE return my funds back? If you need any cooperation for my case, please let me know. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted XXXX XXXX ( applications to AMEX and was given no benefit. I called, spoke to XXXX agents to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My identity has been stolen, and as a result, accounts have been opened in my name. I want to report this to clear my name. I kindly request the CFPB 's assistance in investigating and resolving the inaccuracies in my report resulting from identity theft. 
A copy of FTC report is attach to support my claim.

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 2023-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity has been stolen, and as a result, accounts have been opened in my name. I want to report this to clear my name. I kindly request the CFPB 's assistance in investigating and resolving the inaccuracies in my report resulting from identity theft. 
A copy of FTC report is attach to support my claim.

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 2023-12-19 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: DC

Complaint narrative:
XXXX on XX/XX/2023 I sent XXXX a notice of Opting out. Also XXXX never disclosed to me my right to Opt-out

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 2023-12-19 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: DC

Complaint narrative:
XXXX on XX/XX/2023 I sent XXXX a notice of Opting out. Also XXXX never disclosed to me my right to Opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
on XX/XX/2023 i went in to buy a car and i told the finance manager. i will only apply for the car if its one hard inquire and he said it would. ( he said it in front of my wife as well and the sales rep ) so i unlocked my credit and i got XXXX hard inquires! after bringing it up to him he said that they only had a copy of my credit its not a hard inquire. Day later all the inquires posted and he refuse to talk to me about it. the following inquires are the UNATHORIZED inquires. XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXXXXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 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 2023-12-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX  {$1800.00} I was with this company for some months. Maybe a year my direct deposit goes there every much. And I had a situation that a payment was pending in between wisely. Or XXXX XXXX Kept dropping the payment so I called the company 's both companies. XXXX XXXX  told me that they could not pull the money from wisely 's account because they was not releasing that payment. At all so I contact XXXX XXXX to see. What was the issue why they wouldn't release my mortgage money? And from what I was told XXXX XXXX XXXX kept dropping the payments. I don't know who was telling me the truth. So what I did was Was transferred the money to another count. Because I didn't want to be late for my mortgage payment for XX/XX/XXXX  I have my XXXX XXXX To please send me a letter showing that this money was in the account before. I had transferred this money into a new account. I can not get them to give me a letter. They keep telling me to take it up with XXXX XXXX did not have anything to do with my money That was ended account before I transferred it to a new account. The money was there at XXXX XXXX XXXX XXXX They would not release this money to this XXXX. XXXX  at all. So this is why I transfer the money from XXXX  to XXXX XXXX. Because I was getting the run around from both companies. I have been waiting on a letter and a supervisor from my XXXX  XXXX. No one 's contact me and now that this on my credit report has been negative. I was never late between XXXX XXXX  And my wife was playing games with me. I don't know who was telling the truth. I've been waiting for a while for a letter stating that this money was in my XXXX  account before. I transfer this money to the other account. I'm not understanding. Why would they put this on my credit report as me being late when both companies? Told me lies, so I'm asking for help. Because this is on my credit report as negative and that's not cool So I have Uploaded both bank information. So I'm hoping I get the help that I need. Because one of those companies told me a big lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Description of the Incident : Between the payment made on XX/XX/XXXX  and the subsequent payment on XX/XX/, there was a misunderstanding regarding the outstanding balance on my auto loan with Wells Fargo. 

On XX/XX/, I mistakenly paid the regular installment, unaware that the billed amount included a past due balance from XX/XX/. I rectified this error by paying the full outstanding balance on XX/XX/. Furthermore, I settled the entire loan on XX/XX/. 

Actions Taken : XX/XX/XXXX  : Initial payment made. 
XX/XX/XXXX  : Partial payment made, misunderstanding the billed amount. 
XX/XX/XXXX  : Full outstanding balance paid. 
XX/XX/XXXX  : Loan paid off entirely. 
XX/XX/XXXX  : Sent a goodwill letter to Wells Fargo seeking resolution. 

FCRA Notification : Per the Fair Credit Reporting Act ( FCRA ) page 92, sub section 7 ( B ) ( i ) " ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' Wells Fargo is mandated to notify me within 30 days of submitting negative information to credit agencies. However, as of XX/XX/, I have not received any such notification from Wells Fargo regarding the reported late payment. 

Billing Statement and Resolution Efforts : Efforts to rectify this included the partial payment on XX/XX/, followed by a full payment on XX/XX/, and the complete settlement of the loan on XX/XX/. Additionally, a goodwill letter was sent to Wells Fargo on XX/XX/, seeking resolution regarding the reported late 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 non-monetary relief
Consumer complaint received 2023-12-19 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: DC

Complaint narrative:
XXXX has yet to remove the account I requested to Opt-out on XX/XX/2023.

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 2023-12-19 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: DC

Complaint narrative:
XXXX has yet to remove the account I requested to Opt-out on XX/XX/2023.

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