vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I wasnt able to make payments during the months of XXXX ( XXXX, XXXX, XX/XX/XXXX ). I contacted Wells Fargo and they said they would postpone the payments and would even put the payments at the end of the loan. In XXXX Wells Fargo repossessed the car with out notice, they demanded the 3 months of XXXX payments plus an additional 2 months. I was forced to pay the towing of the car and storage of the car. The car was also damaged by the tow truck company. In total I paid for {$10000.00} to retrieve the car for {$2400.00} in Covid Payments.

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 2022-12-21 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 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 an 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. Account has NEVER been late.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In 2018 I opened a business bank account with Wells Fargo as well as set up a merchant account with them. There was {$20000.00} in my account when the merchant provider informed me of a charge back of {$2500.00}. They said they would have to hold my funds for 90 days to ensure there were no more charge backs to pay out and then they would release the funds. I have yet to receive any of my funds back from Wells Fargo. After numerous attempts and not being able to speak with someone, I moved on as a victim of Wells Fargo and their merchant provider.

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 2022-12-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX transferred my Student Loans to XXXX in XX/XX/2022. I noticed on my credit in XXXX that XXXX continues to show my loan as open/active with over a $ XXXX balance. I now have TWO student loans balances owed ( XXXX ) on my credit report!! I contacted XXXX and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both Equifax and XXXX and both results came back as account active and will not remove close/remove XXXX from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: NH

Complaint narrative:
I placed a dispute online on XXXXand they completed ( I use the term loosely ) their investigation in less than 24 hours. Both the credit bureau and the furnishers did no investigation. They simply verified what they have as accurate. No investigation can be done on issues in such a short amount of time. XXXX also didn't provide an updated credid report. They simply stated they updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} and {$6600.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXXR- 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 an 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. Account has NEVER been late.

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 2022-12-21 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: GA

Complaint narrative:
This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

Inquiries- 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 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 XXXXXX/XX/2022 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

InquiriesXXXX 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 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 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

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 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 XXXXXX/XX/XXXX Attached are screenshots of the accounts I stated that are not mines and also documents from my recent XXXX Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.

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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
IRS states they deposited {$3100.00} check in my account on XX/XX/2022 in my checking account. I never received it. The IRS HAS been tracking this check and XXXX XXXX hasnt responded for the 9 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-21 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: NC

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA said they were closing my account because of a bounced check on XX/XX/2022 and have had my funds frozen since that date. They say they XXXX hold my funds for XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This was back in 2016 I was trying to stop a foreclosure in my home address was XXXX XXXX  XXXX XXXX in XXXX XXXX XXXX XXXXXXXX I wasnt able to stop the foreclosure because I was just trying to keep my home I tried really hard to reach out to the company but to avail I still lost my home

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a checking account with Chime ( XXXX Bank ). Last Saturday XX/XX/17 I got an email that someone was trying to access my account about the same time I was purchasing a new phone device. I immediately changed pw on account and notified Chime. When I went back to access account system said I had to be verified. 

I clicked on verification link and tried to send the docs in. I'm not sure if it was successful or not, but I still can't get into account. 

I've sent multiple emails to Chime to get help and ask someone to call me... but no response. 

I need someone to help me access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, XXXX Acct # XXXX XXXX is inaccurately reporting a balance and past due amount of {$900.00} on my credit report for an account that has been charged off and resold to another creditor.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Hi, AVANT XXXX is inaccurately reporting a balance amount of {$570.00} and {$510.00} on my credit report for an account that has been charged off and resold to another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: DISCOVER BANK
State: NY

Complaint narrative:
Attn : XXXX, NY Attorney General, Securities Exchange Commission I would like to make an official complaint against Discover Financial Services and the XXXX XXXX and XXXX National Consumer distance Center, XXXX XXXX Although I have sent very specific documents that show that not only was I not the owner of the XXXX credit card debt totaling {$890.00} but that these agencies aforementioned are in direct violation of my consumer rights.

The violations that I have highlighted and addressed in the documents mailed to Discover Financial Service, XXXX, and XXXX are the following : Violation of Consumer Rights Symbol on a document stating a debt is owed. 
Validation only the consumer can validate debts Harassment or abuse Civil liability Furnishing certain deceptive forms Legal action by debt collectors Unfair practices False and misleading Communication without permission.

Acquisition of location of information Accuracy and fairness of credit reporting Obligation with respect to disclosure f personal information of the consumer Transactions other than under open end credit plan Apart from my list of violations I have also included : Exhibits, that show the inaccuracies that have remained on my credit report as a result of the errors made by Discover, XXXX and XXXX. Please find below a list of the documents that were also included in the package mailed to these aforementioned corporations. 

Letter of Dispute and Complaint Debt validation letter Affidavit of truth Notice to : Cease & Desist To date although I have made these agencies aware of their error this Discover account remains on my personal credit. It is my intention to pursue this case in XXXX XXXX next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Around or about the middle of XXXX or mid XX/XX/XXXX, I requested that Wells Fargo not pay a fraudulent charge in the approximate amount of {$600.00} that was charged to my non profit account XXXX  a XXXX  XXXX XXXX. Wells Fargo reversed the charge however upon consulting with Wells Fargo 's business checking unit, I was advised that the charges hadn't been reversed. The customer service representative made the reversal while I was placed on hold. When she came back to me, she informed me that the funds had been restored back into my account. I thanked her however, to my surprise approximately a month later I received a letter from Wells Fargo saying that my account was over drafted approximately {$550.00} and that I owed the bank the money back that was restored to my account. Upon consulting with Wells Fargo 's business unit, they informed me that that the bank made a mistake and was demanding the money back. When I couldn't pay for their mistake, they eventually closed the account that I had with the bank since XXXX. Wells Fargo did not offer me a monthly payment plan but instead use strong arm tactics and close my account due to their mistake. I would like a chance to re-open my account under fair terms.

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