vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Sequence of Events : On XX/XX/2023 I have received a notification that a new inquiry was made on my XXXX credit report and when checked I see a new hard credit enquiry was made by XXXX XXXX COMENITYXXXX XXXX  XXXX But I have never requested for any new card or loan and never gave access to anyone to place a hard inquiry. On checking XXXX found out that it was from XXXX beauty from Comenity bank and called them and raised a complaint and requested for cancellation of the new application which was done by a fraud person. 

On XX/XX/2023 called XXXX credit bureau and requested them to place a freeze on my credit and it was done successfully. 

After realizing that credit freeze needs to be placed on the other 2 credit bureaus as well.XXXX On XX/XX/2023 called both XXXX and XXXX to place a freeze, I was able to place a freeze successfully with XXXX but XXXX I was not able to place a freeze due to address mismatch. 

On XX/XX/2023 received a notification that a new inquiry was made on my XXXX credit report and when checked I see the new hard credit enquiry was made by XXXX XXXX COMENITYCAPITAL/XXXX  Not sure if this is different to the hard enquiry made on XX/XX/2023 COMENITYXXXX XXXX XXXX Looks like both are from COMENITY bank but different products. I have never requested for any of these products and still hard enquiry is placed on my credit. 

On XX/XX/2023 created a XXXX accout online and placed a freeze on my credit and and also disputed the hard inquiry made by COMENITYCAPITALXXXX on XX/XX/2023. 

So finally I was able to place a freeze on all my credit bureaus but not sure why this is happening with COMENITY bank itself as I see both of the hard inquiries places are with COMENITY. 

Can you please investigate and guide me further on next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

XXXX, XXXX and TransUnion have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-01-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

XXXX, Equifax and XXXX have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I ended up closing the account due to the high overdraft fees and insufficient fund fees

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
i've noticed over the last several months my transactions are not adding up to the amounts missing i calculated each transition and thousands are missing compared to the amounts paid each month with chime bank or XXXX XXXX  i believe there's someone taking my money each month and making me think i've spent it but when u add charges its no were close to amount deposited there's no fraud charges no record just money disappearing from account please help its over XXXX over the last year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I thought that after loan was closed gap insurance was supposed to be partially refunded or something but that was not done I'm checking to see if there's some kind of refund that I should be receiving

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 2023-01-19 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: Kriya Capital, LLC
State: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
When I open my account there was no fee but then they started charging me {$10.00} if money not getting deposited into my account over {$500.00}, but I end up transferring {$500.00} in the account and I'm still charged {$10.00} a month.

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 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXXXXXX XXXX, and JP Morgan Chase. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I paid all medial debts owed before 2023. Medical debts that started after 2023 is mines. But theres still medical collections on my acct that was paid in FULL.

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section 609 ( a ) ( 1 ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the 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 2023-01-19 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: TX

Complaint narrative:
I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section 609 ( a ) ( 1 ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo, allowed the draining of my credit car and money withdrawn from my savings without my permission. My checking account at the time had a balance of {$8500.00} and a hacker got into my account while posing as a XXXX security agent. They took over the handling of my Wells Fargo Accounts and transferred money from my credit card to my savings and then from my savings account and Wells Fargo did not stop it. Even after I called to explained they said there was nothing they could do because it came from my XXXX address. Even though I explained and advised them the transfer was not authorized or done by me. They said because it came from my XXXX there was nothing they could do. Then they charged me an additional {$770.00} for a cash advance I did not authorize. So, I so I closed all of my accounts with Wells Fargo because they did not take protect my funds when they should have. Now I stuck paying advanced fee 's and {$14000.00} back for something I should have had to deal with it Wells Fargo had stop the transaction like they should have. 
When you review their communications, they could not get the total amount correct which lead to more confusion and wonder about their professionalism and being able to protect 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 2023-01-19 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: ProCollect, Inc.
State: TX

Complaint narrative:
NO/LATE Response to Dispute (XXXX  XXXX XXXX
XXXX
Account Holder: PRCollect Inc.
Account # XXXX
I have submitted a dispute through XXXX through XXXX XXXX XXXX  on XXXX XXXX,
XXXX the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX. The estimated mailing received date was XXXX XXXX XXXX. The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Charged excessive overdraft fees

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my husband lost his job and we needed to have our mortgage with WELLS FARGO setup with a payment plan to keep my home. we had no other large outstanding balance with any other creditor. no large credit card balance or car loans. they refused to work with me and we were forced to sell home short sale and it actually broke up my family.

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 2023-01-19 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: IL

Complaint narrative:
I do not agree or accept the company response. I demand they send me the agency and employees that they verified their information with. In addition, I want my XXXX XXXX account to reflect as on time for the 30 day late because it was paid on time as agreed. They also is in violation of 15 U.S.C. 1666B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My interest rate was too high, I paid so many fees and it did not help my credit score.

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