vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 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: MD

Complaint narrative:
XXXX, Equifax, and XXXX, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MD

Complaint narrative:
Experian, XXXX, and XXXX, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.

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 2023-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In 2021 my son and I got a vehicle from Acura XXXX XXXX, XXXX XXXX XXXX. 
when the contract was presented to me by my son XXXX, He expressed that they XXXX & Acura XXXX XXXX committed fraud & identity theft by transferring the my name from the co-signee to the principal, I am not a Principal nor a minor I am a Beneficiary of the investor XXXXXXXX XXXX XXXXXXXX, I gave no authority to do anything without my permission, they then electronically signed the contract and submitted it. turning it into a security and have failed to give me any acknowledgemen to their proceedings. They have also been reporting on my credit file which I gave them NO such authority to do such actions and such acts violate sec regulations /the Uniform Commercial Codes /the CFR /CRA/ and many consumer laws. they have also gave my private information to a third party non afilliate who came on private property and terified not just me but my XXXX XXXX XXXX mother and XXXX XXXX XXXX XXXX  daughter. XXXX never provided any arbitration 's nor provided any judicial warrant by a judge to collect the property. 
there has been payments made to XXXX and has been ignored/ost or refused. My son has been in contact with CFPB and XXXX has been harassing me by calling me after i have expressed to them not to call my phone to call my son XXXX. we have reached out to the SEC and also the state attorney general behind these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I make online purchase and the items I purchase never got to me on XX/XX/XXXX I cancel my order and still havent received my money back then I disputed the charge with my bank and provided the documents supporting my case and they simply denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
Subject : Demand for Monetary Compensation to Prevent Legal Action Dear IQ Data International I hope this letter finds you well. I am writing to address a matter of great concern regarding the actions of IQ Data International and the significant impact it has had on my life and financial well-being. 

It has come to my attention that your company, without my explicit consent, purchased my personal information and attempted to collect a debt that I did not owe. Subsequently, after failing to adequately verify the information, you were compelled to delete the account from reporting. This incident has caused substantial harm to my creditworthiness and has had severe consequences on my ability to secure stable housing and obtain credit. 

The inaccuracies in your reporting have not only resulted in financial setbacks but have also created undue stress, especially considering that I am the primary provider for my family, which includes XXXX XXXX XXXX and an XXXX XXXX XXXX XXXX XX/XX/2024. 

Given the gravity of the situation and the adverse impact on my life, I am hereby demanding monetary compensation in the amount of {$8000.00} to rectify the damages caused by IQ Data International 's actions attempting to collect debt of {$16000.00} I did not owe. This compensation is sought in order to mitigate the financial hardships I have endured, including denials of credit applications and challenges in securing suitable housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2023 Truist ( LightStream ) opened a Credit Card Account in my name with my SSN, fraudulently. I never authorized or applied for that credit card account. The balance is over {$15.00}, XXXX. This violated my consumer rights as they issued credit in my name without my authorization or consent. I have credit freezes and fraud alerts on all three on my major credit reporting agency accounts - no new credit should be able to be issued in my name. 

On XX/XX/2023, I was notified by a credit monitoring service that someone was applying for credit in my name at LightStream. I immediately called their call center for fraud. They were able to positively identify me with my SSN, name, DOB. I told them that someone was trying to open an account in my name. I told them this was fraud. They were able to locate the account, and verified that someone had used a Fraudulent phone, email, and home address to open a credit application. They said they would flag the application as fraud and close it- but they never did. This also violated my rights as a consumer, as when I notified them ( LightStream/Truist ) that this was a fraudulent application, and they positively Identified me, after I told them this was fraud and wanted this application closed, they never closed it- thus exposing me to the risk of credit card fraud. 

The account opened XX/XX/XXXX. 2023 is a direct result of them not closing the fraudulent application for credit, of which I notified them on XX/XX/2023. 

This is abusive, reckless, and fraudulent.

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 2023-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS INVESTMENTS , LLC ] XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] involved parties that violated my consumer rights. please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: SC

Complaint narrative:
On XX/XX/XXXX, I called way2 go to file disputes about some charges that was on my ePay card that I did not recognize I had no way of sending them information and I have tried several times to call and reach a representative and I have not been successful and they did not resolve my dispute also I have additional documentation to attach ( police report ). I just want my refund!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have filed a police report against this person. How can you conclude no error has occurred when I have given you the police report information and a copy of the police report. that alone should show that these transactions were unauthorized and change the decision and return my money back to my account. But instead your business still clearly refuse. 

I do not understand what this company does not understand about that the two transactions for XXXX and is a total of XXXX was stolen from me and that not one police report was filed but two. I have given them the police department information and also a physical report of this. Now I have requested the document from them how they came to this decision on this on several of the 10 rebuttal I have already filed with them. The answers on each are different and over half of them are filled incorrectly. And the police report questions is always blank or states I have not. Which is 100 percent wrong. Because one has been filed. So I would like them to explain to me in detail how and why they keep denying to give me back my money that was stolen from my account. I am in extreme finical distress over this, I am not a fixed income and I don't have the means for someone to just take my bill money because they feel like they can get away with it. Its not like I am asking the bank for millions of dollars here just what was mine to begin with. This needs to be resolve and in my favor. Have a XXXX heart. I have been dragged through the mud and to top it off I just had 3 deaths one after the next in my family, the last was my brother. So I am really at my wits ends and just want to start the new year on the right foot and having my finances in order would be a great start. 

Chime is clearly in the wrong here and shows that you do not listen nor value your customers. If you did you would not have them running around trying to get by njust because someone stole from and a banks fraud department seems to be ran by monkeys because you don't even bother to look at the evidence and see that this was theft. All I want is the XXXX that was taken out of my bank accounts unauthorized by this person and I will stop hassling you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Propel, Inc.
State: SC

Complaint narrative:
am writing to express my extreme dissatisfaction with the handling of my dispute regarding unauthorized charges on my account. Around the end of XXXX my wallet and phone were stolen, and as a consequence, unauthorized charges were made on my provider 's card account.I promptly reported the theft to both law enforcement and your company on XX/XX/2023. Despite providing all necessary documentation, including a copy of the police report and any other requested information, the issue remains unresolved.I have attempted to resolve this matter through your customer service department multiple times, but regrettably, the issue persists. 
The unauthorized charges continue to affect my financial stability, causing undue stress and inconvenience.I am requesting a thorough investigation into this matter and an immediate resolution to remove the unauthorized charges from my account. 
Additionally, I kindly request a detailed update on the progress of your investigation and a timeframe for its resolution.If this matter is not rectified promptly, I will have no choice but to seek further assistance from relevant consumer protection agencies or legal counsel. 
I urge your immediate attention to this matter and request a resolution of a full refund at the earliest convenience. 
Please contact me at XXXX to discuss this issue further. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: DC

Complaint narrative:
In early XXXX, I applied to open an account with Chime. After filling out my application and providing the requested information, I downloaded the app. After trying to log into the app and website, I reached out to Chime on XX/XX/XXXX, to let them know I was unable to log in. By this time, I had not received any welcome or other emails from Chime. The same day, I received a response from Chime stating that they were unable to independently verify my information, and my application failed. Ultimately, my " enrollment attempt was declined. '' I started receiving emails from Chime on XX/XX/XXXX, about my new account. For the rest of XXXX, I received various marketing and other emails. However, I didn't receive any snail mail from Chime ( letters, debit cards, etc. ) On at least one occasion, I emailed Chime to let them know that I did not have an account with them and requested to be removed from their marketing mailing list. I never received a response from Chime. 

I didn't receive any emails in XXXX or the majority of XXXX. 

On XX/XX/XXXX, I received another email from Chime concerning changes to their privacy notice. I again emailed Chime, letting them know that I did not have an account with them, and requested that I be removed from their mailing list. I received a response on the same day, informing me, " Chime has closed the account in question per your request to prevent further unauthorized activity. '' I responded by stating that I didn't make that request as I didn't have an account and shared a screenshot of the email I received in XX/XX/XXXX stating that my enrollment attempt was declined. 

I was sent the same email several times until I requested information indicating I reapplied after XX/XX/XXXX, had my application approved, and was given an account number. After this request, I received an email stating that if I wish to " receive additional information regarding this account and transaction records we request that you provide the following : Confirmation of the last 4 digits of your SSN AND Proof of your ID theft claim, which may be a police report or a completed FTC report ( available at https : //www.identitytheft.gov ). '' I have no reason to believe that anyone other than Chime used my ID to open an account without my knowledge or consent after my initial application failed. Failure of Chime to even provide my account number to the email address they have associated with my " account '' also raises my suspicions about what occurred and their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
These are additional issues the attorney XXXX XXXX should have addressed before this claim was filed in the lower court : XXXX was sent a billing error notice, 1099-c and requested they send me a copy of the 1099-c and 1099-a also a true bill, they refused. XXXX fraudulently made several loan accounts under my name. when i notified them and questioned XXXX about this finding they fraudulently reported to the IRS for a tax write off and sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX off of Lloyd & McDaniels, PLC who, then turn around and is now Sueing under fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: WA

Complaint narrative:
I was charged overdraft fees and other fees and my checking account was frozen. Bank account was closed

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 2023-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EGL US, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ] BMG MONEY, INC. DBA BMG LOANSATWORK , LLC ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX ] XXXX XXXX XXXX ] XXXX XXXX XXXX ( XXXX XXXX XXXX ] XXXX XXXX ] involved parties that violated my consumer rights. please see attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: SC

Complaint narrative:
am writing to express my extreme dissatisfaction with the handling of my dispute regarding unauthorized charges on my account. Around the end of XXXX my wallet and phone were stolen, and as a consequence, unauthorized charges were made on my NETSPEND card account.I promptly reported the theft to both law enforcement and your company on XX/XX/2023. Despite providing all necessary documentation, including a copy of the police report and any other requested information, the issue remains unresolved.I have attempted to resolve this matter through your customer service department multiple times, but regrettably, the issue persists. 
The unauthorized charges continue to affect my financial stability, causing undue stress and inconvenience.I am requesting a thorough investigation into this matter and an immediate resolution to remove the unauthorized charges from my account. 
Additionally, I kindly request a detailed update on the progress of your investigation and a timeframe for its resolution.If this matter is not rectified promptly, I will have no choice but to seek further assistance from relevant consumer protection agencies or legal counsel. 
I urge your immediate attention to this matter and request a resolution of a full refund at the earliest convenience. 
Please contact me at XXXX to discuss this issue further. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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:
This is not my account, Im not legally affiliated or responsible

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 2023-12-24 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:
This is not my account, Im not legally affiliated or responsible

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023, XXXX charged off the Wells Fargo account # XXXX. Its reports CO. Now Wells Fargo did not issue the 1099-c to me. It is now considered a certificate of indebtedness. A charged off debt is now considered income according to the IRS publication. Income can not be reported on my profile. I have sent Wells Fargo Dealer Services my opt out form which is attached. Please update the account and payment history as paid as agreed.

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 2023-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EGL US, LLC
State: FL

Complaint narrative:
These are additional issues the attorney XXXX XXXX should have addressed before this claim was filed in the lower court : BMG was sent a billing error notice, 1099-c and requested they send me a copy of the 1099-c and 1099-a also a true bill, they refused. BMG fraudulently made several loan accounts under my name. when i notified them and questioned BMG about this finding they fraudulently reported to the IRS for a tax write off and sold the debt to Absolute solutions investment, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX who, then turn around and is now Sueing under fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation