vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Wrong, Inaccurate, Fraudulent accounts reporting on my account.

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Wrong, Inaccurate, Fraudulent accounts reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wrong, Inaccurate, Fraudulent accounts reporting on my account.

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 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Twice this morning I tried to log into my BMO Harris online checking account, and got this message. 
XXXX XXXX XXXX XXXX I was unable to access my funds.

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 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX ; XXXX XXXX Cc : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX , XXXX XXXX   PDT Subject : FINAL LEGAL NOTICE/DEMAND FOR PAYMENT TO WELLS FARGO on XX/XX/XXXX - from XXXX XXXX To Wells Fargo - That is clearly wrong. You need to look at when I actually opened this account! 

See you in court. And you will be hearing from several different government agencies that I will be reporting this to as well, including what your XXXX branch put me through to open this account ; AND the numerous fraudulent charges on the debit card connected with this account clearly due to the fact that WELLS FARGO DOES NOT MAINTAIN CLEARLY REQUIRED ENCRYPTION on those cards to keep them secure!!! I will be adding {$300.00} to the damages I request in this small claims lawsuit for the time I had to take away from running my business because your branch required me to come into your branch MULTIPLE TIMES to get those fraudulent charges removed! Actually, I will present a very strong case to the proper anti-fraud, consumer protection agencies that Wells Fargo should be IMMEDIATELY barred from issuing any more such account debit cards until they can insure to such agencies that the cards have such adequate encryption/security to prevent such fraudulent use! 

I WILL ALSO BE REQUESTING PUNITIVE ( treble ) DAMAGES IN THE SUM OF {$2100.00}, and {$400.00} for the 4 hours I will have to take off from work to handle that lawsuit, along with ALL legal costs. 

I will be filing this lawsuit in XXXX County Small Claims Court at XXXX XXXX  today. Wells Fargo 's OUTRAGEOUS, FRAUDULENT CONDUCT clearly warrants punitive damages. I will also be sharing all of this with the XXXX XXXX and every possible consumer protection agency I can find. You would think Wells Fargo has had enough adverse publicity over its fraudulent conduct over the last 2 years, which I will then introduce in my small claims suit clearly establishing Wells Fargo 's established business practice of FRAUD on its customers, not that any CA judge really needs to be reminded of that!!! 

You might want to immediately run this {$500.00} bonus payment by your legal department. 

XXXX XXXX XX/XX/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 monetary relief
Consumer complaint received 2020-04-26 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im having a problem with the banking institution Chase. I lost my wallet back in XXXX with my debit card inside but it took me about two months to realize that my chase account had been compromised and used frequently in the meantime because Im frequently XXXX  and XXXX. When I filed the claim on XX/XX/XXXX everything seemed to go accordingly until they denied me for almost every fraudulent transaction. I am very surprised by this because my pin was used and at chase banks where I am sure theyre many cameras to see exactly who stole my money. I feel that investigating done by the bank was insufficient. They have yet to tell me specifically why the claims were denied. I provided them with hospital records I was able to obtain in the short amount of time they gave me to do so which was 3 days on XX/XX/XXXX. The banking institution also mislead me with information suggesting that they would paper mail me information regarding my claim when I first spoke with them which was never done. I waited patiently before being denied without thorough explanation. At this point I am confused on what to do in my situation and need further assistance and guidance. Im at a loss of about {$1400.00} my whole account funds which is very rough for me because I lost my job due to covid 19 and my illnesses and that was money I had intended on saving for hard times. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I filed unemployment claim on XX/XX/20 and I have not received my card with my money on it. I was able to set up my account but can not do much on it because card isn't registered. I have called every day and only sit on hold for 2-3 hours at a time and I have been calling twice a day. I called in the middle of the night, during the day, and in the morning and I only sit on hold. I simply want an expedited replacement card sent to me ASAP and I don't care about the {$15.00} charge for that. The card should be sent to the same address on my account. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: SC

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to get this negative information removed from my credit report regarding XXXX XXXX and Experian since XXXX of 2018 about a past due balance from a old apartment that I do not owe. I have sent numerous certified letters to try to get this issue resolved to no avail. Due to their negligence, I have been denied a mortgage refinance loan from XXXX mortgage company and a personal loan from XXXX XXXX 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 2020-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally Auto Financial is reporting a 30 late payment history on credit report with all 3 bureaus. It  has reported previously XX/XX/2019 then changed to XX/XX/2019. In addition to that, they have listed incorrect payment dates. I have attempted to resolve by both phone and mail with the company. I spoke with a customer service reps between XX/XX/XXXX-XX/XX/XXXX and was informed that they could only " go back 3 months, they would submit the review request but would be unable to verify anything being it had been over 3 months since it had been reported ''. They then sent a letter saying upon their " investigation '' it was correct but then coindentally there was a change on my credit reports of the 30 day late payment from XX/XX/2019 to XX/XX/2019. I have been trying to resolve the matter and get my credit report corrected for this account but this company refuses to do so. I submitted in writing as well and provided documentation to them of payment confirmations of original payment date.

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX XXXX XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX on XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on  XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX on XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on  XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: CA

Complaint narrative:
ACCOUNTS WAS OPEN IN MY NAME I NEVER KNEW HOW THIS COULD HAPPEN. IVE BEEN A VICTIM OF IDENTITY THEFT.

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 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I went to use my card on Friday XX/XX/XXXX and was unable to it said my account had been locked and I needed to call! I have called everyday since trying to get a hold of them nobody answers and I am unable to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 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: CA

Complaint narrative:
ACCOUNTS WAS OPEN IN MY NAME I NEVER KNEW HOW THIS COULD HAPPEN. IVE BEEN A VICTIM OF IDENTITY THEFT.

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 2020-04-26 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: CA

Complaint narrative:
ACCOUNTS WAS OPEN IN MY NAME I NEVER KNEW HOW THIS COULD HAPPEN. IVE BEEN A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This company is reporting inaccuracies to the credit agencies. This account is not mine, I have asked for proof THIRTY ( 30 ) days ago, original documents, validation, & they have sent none and it is hurting my credit worthiness. I also have my receipt from my certified letter that I sent over a month ago And received nothing which is a direct violation of FCRA 609. I am under dire stress due to the global pandemic covid19 and this situation is not making it any better.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation