vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a check from my school into my checking account via Wells Fargos mobile bank deposit. 
On XX/XX/XXXX My car was broken into where the check was located and it was stolen. 
On XX/XX/XXXX Wells Fargo notified me that the check had been deposited twice and the amount of the check was debited from my checking account. I immediately filed a claim/dispute. I also filed a police report because I did not know anything was stolen from my vehicle until they notified me that the check was deposited more than once. 
On XX/XX/XXXX I received notification of the resolution of my claim. Which only stated that my check had been deposited into another Wells Fargo customers account and they would not be restoring the funds to my account. I called and escalated the claim and they told me since my initial deposit was via mobile deposit and the second deposit was using the physical check there was nothing that they could do. Even though the check was written out to me and endorsed by me and matching the name on my bank account. 
It is now XX/XX/XXXX and Ive tried to escalate multiple times offering to provide proof of the police report and everything and I just keep getting the same response. Wells Fargo was my first bank and Ive been with them since XXXX. Absolutely disgusted with how they have handled this situation

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 2022-02-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how XXXX, experian, and XXXX are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

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 2022-02-05 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: FL

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Date : XX/XX/2022 NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Texas XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED OF DENIAL XX/XX/2022 Recently, I, XXXX XXXX XXXX, was denied an extension of credit by American Express. On XX/XX/2022 you submitted credit card application, I applied for BLUE CASH PREFERRED ( SM ), GOLD CARD FROM AMERICAN EXPRESS, PLATINUM CARD. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Servicing Group LLC
State: CA

Complaint narrative:
I paid this debt to a different collection agency in 2019. I told them that but they wanted proof and I couldnt find the paid in full letter. So I contacted the previous company and then turned it in with ASG. They said I would receive no more calls me or my family! Two days later my mother receives a text message from ASG!

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 2022-02-05 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: NC

Complaint narrative:
Transunion has violated my consumer protection rights given to me under federal law. 

As per 15 usc 1681b ( a ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

I gave transunion written instruction on how my information could be used for accounts under XXXX, XXXX, and XXXX XXXX. They were instructed not to included my nonpublic personal information as defined under 15 usc 6801a. 

1016.3 ( q ) ( 2 ) ( i ) ( B ) : Account balance information, payment history, overdraft history, and credit or debit card purchase information ; This instruction was ignored hence triggering identity theft as define by law using my personal information without lawful authority and they do not have my consent.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Capital Bank XXXX XXXX  Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error. 

First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX. 

Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a XXXX  XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers. 

XXXX XXXX- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account. 

XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with XXXX XXXX. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate. 

Any assistance will be of great help. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I feel like im being taken advantage of and being ignored of my disputes.I am not a credit repair company. I am not responsible or liable for these items. Section 611 ( a ), its is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I still got closed accounts on my credit from a Unknown payment status the date opened was XX/XX/XXXX with a past due balance of XXXX dollars. The other account is from a Unknown payment status the date opened is XX/XX/XXXX with a past due balance of XXXX dollars. XXXX XXXX is also an closed account from XXXX that I am unaware of I never had XXXX XXXX in my whole entire life. I got a collection account that is derogatory with a balance of XXXX dollars that was in XXXX. My last closed account is also a derogatory with XXXX XXXX date was opened in XXXX I need all of this removed off my credit now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This is a new collection agency claiming a old debt that I don't recognize and I have verified it don't belong to me before. It is illegal to take it off only to put it back on my credit report without my knowledge again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: MS

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it 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 2022-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XXXX. XXXX, XXXX, I opened an account with GM Financial for a car loan. The payments became past due and I received a notice from a representative that the account was placed for repossession on XX/XX/XXXX. GM Financial violated federal law by repossessing and selling the vehicle associated with this account. GM financial also violated additional federal laws detailed in the attached letter. 

Since that date, GM Financial sold the vehicle. I did not receive the following : Notice of Default and Right of Redemption/Right of Reinstatement ; Notice of Sale GM Financial has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: MS

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, Equifax, and XXXX in violation of Federal Law. XXXX, Equifax, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: MS

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXB Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2022-02-05 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: MS

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized COAF Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it 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 2022-02-05 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: MS

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, Equifax, and XXXX in violation of Federal Law. XXXX, Equifax, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: MS

Complaint narrative:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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