vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX  XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Ally Financial XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.

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 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Our vehicle was repossessed by the dealership ( XXXX XXXX ) who sold the car but not the lender ( Veros Credit ) who we financed with. The vehicle was repossessed on XXXX XXXX by the dealership who still have not report it with the police department which they were supposed to within 1-3 hours. We spoke to the lender around XXXX XXXX  on XX/XX/XXXX if they had repossessed the vehicle which they had claim there was no repossession order out on our vehicle and asked if we would like to make a payment. The dealership texted us stating they repossessed our vehicle because we made too many late payments but not missed payments. The lender had no idea that the vehicle was repossessed by the dealership until we call to question them about it. That's when Vero 's Credit marked it repossessed in their system. We make the monthly payments to the lender not the dealership. We have been trying to speak to them regarding this and getting our vehicle back every day since XXXX XXXX but the dealership ignores our calls while the lender keeps telling us to deal with the dealership only. XXXX XXXX  repossessed our vehicle wrongfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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:
I am a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681.I have the right to privacy and I did not give Equifax to furnish these accounts XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo unfairly closed my new checking account after opening it. Due to XXXX XXXX falsely accusing me of harassing her when she was the one harassing me. I have never been able to put this to rest because I did nothing wrong. I was being set up by XXXX XXXX and the rest of her friends at the bank. When I couldn't log into my account. I didn't see XXXX XXXX at the bank the entire week at the XXXX XXXX branch. Until the last day of getting my new account set up. The banker I was with new I wasn't harassing her. But XXXX XXXX falsely called 911 but the police didn't do anything to me. The police looked confused as to what's going on here. 

But she lied to XXXX XXXX and he sent me a hostile nasty letter about my bank account being closed. He didn't investigate fully or look at the security footage. 

I didn't have know that XXXX XXXX was in the bank that day. It was all a dirty thing to do to me and they should be in trouble anyone who was invoked with XXXX XXXX. 

I can't have a checking account car loan any rule of loan. XXXX XXXX threaten with the police if I come inside any Wells Fargo bank. This has me enraged and furious I didn't do anything wrong. 

If the female banker lied saying I harassed XXXX XXXX then she needs to be fired to. I was taking care of my own banking business. But Wells Fargo refuses to hear my side of the story.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Re : CareCredit/Synchrony Bank with Card Security program. 

Opened account in XXXX to help pay for XXXX XXXXXXXX and paid off in a few months. Used periodically since to pay for personal and pet care services, and typically paid off in a few months. At some point must have agreed to their debt protection program through Card Security. Flash forward to XXXX. Husband gets $ XXXXXXXX XXXX work. Reminded of terms that include zero interest for at least 12 months. Autopay in place. Defer making larger payments a few months given zero interest. Logon after 4-5 months to make larger payment, see that almost half of my ~ XXXX XXXX monthly payments have been going to this program. So zero interest offer is useless as a savings to me if I have to pay this while any balance. I have requested program be cancelled and will verify gets done.

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 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
My vehicle was repo'ed by exeter finance llc. i sent notices and demanded the return of the vehicle. 
they are stealing what belongs to me. As a Consumer i entered into a credit transaction were XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX. They failed to tell me full disclosure of the contract and failed to let me know my rights as a consumer. We were told we were approved for financing but had to put down {$1800.00} under 15 usc 1605 no down payment is required under a consumer credit transaction. So we had to turn over {$1800.00} ( Highlighted in a picture ). Then we were told we can't get our keys until we buy our own insurance. But federal law says if there is a Finance Charge everything should be covered including insurance. Now exeter finance is the institution that stole my vehicle. having my XXXX XXXXXXXX XXXX repo 'd when they should have applied the finance amount to cover the XXXX. They have no rights to my vehicle and i told them this. 
I've sent 2 rounds of notices to them that i will upload. Both notices have federal laws in them demanding my property back. I want them to return my XXXX and cover the tow lot fees. Or they will be liable for the finance amount times 2 according to federal law for the violations on the contract. 
Financed amount is {$20000.00} so doubled is {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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:
I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.

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 2022-08-25 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX Balance {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX XXXX {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX {$810.00} Date XX/XX/XXXX XXXX. XXXX  XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account # XXXX XXXX {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date 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 non-monetary relief
Consumer complaint received 2022-08-25 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX XXXX {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$810.00} Date XX/XX/XXXX XXXX. XXXX  XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXX/Dept of Ed Account # XXXX XXXX {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, I am writing in reference to the 2 reservations made with XXXX for a stay at the XXXX XXXX XXXX in XXXX. Due to an emergency and delayed travel we were unable to make our reservation on XX/XX/2022. However, after contacting XXXX we were told that our confirmations has been canceled and we had been charged for one night and taxes and the remainder of the money was refunded to XXXX. The XXXX confirmations were XXXX and XXXX. I received emails from XXXX stating the above facts which I sent to the credit card company ( Citibank ). Unfortunately, Citibank illegally sided with XXXX and gave them a charge back based on false information given by XXXX. I provided the information to XXXX as well and they fraudulent claim that they never received the money from Citibank which is not true since Citibank provided specific documents that the money was returned. I think both Citibank and XXXX need to be charged with fraudulent behavior since they lied about the resolution of the dispute and continuously lied to us about the resolution. We need to be refunded by these companies for lying and making us spend more than 6 months to resolve this issue. 

Thank you Sent from my 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 2022-08-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX & XXXX Account number XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # 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

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 2022-08-25 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: OK

Complaint narrative:
I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX I was recently a customer with chase bank. I had a roommate living with me for a significant amount of time and I had no knowledge that she had been keeping a note book of my information as well as stealing my cell phone that had information stored in it. She stole my phone and essentially used it to make 2 separate XXXX XXXX  she use this information to steal alot of money from my account and leave it over drawn. When I became aware of this I disputed the transactions. There were so many that it was done in several claims. In 5 or 6 I believe the disputes where mostly ruled in my favor but there was one that was not totaling XXXX dollars they closed my account and said I owed them these funds. My issue is that I don't understand how they could determine this if Evey other dispute was ruled in my favor it make no sense that I was denied this dispute but in every situation it was all the same information provided and nothing more. They also told me my account was closed but still accepted my work check into the account. Leaving me with out money. In my savings account I still had XXXX dollars they just took that money never issued a check and never subtracted the XXXX from what I supposedly owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
While running information to purchase a new home, our credit was run and the current debts were listed. While listening to the debts, we became aware that one of the debts was not one we had acquired. Upon further investigation, we found that a XXXX XXXXXXXX XXXX XXXX was purchased from XXXX XXXX XXXX, XXXX. in XXXX NC. This purchase was made using my name and social security number. I reported the PII theft to the XXXX Police Department, XXXX, NC ; Officer XXXX, Police Report # XXXX. Officer XXXX suggested I report to my local police department, the XXXX XXXX Police Department, XXXX XXXX, GA, Police Report # XXXX, Officer XXXX. 

I attempted to report this to Capital One, and sat on hold for more than 5 hours on the telephone. I am supposed to close on my home on XXXX XXXX, and now the lending company will not underwrite the loan due to this new XXXX debt on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Holloway Credit Solutions
State: AL

Complaint narrative:
The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: MS

Complaint narrative:
THIS IS CURRENTLY ON MY CREDIT REPORT AS THE ONLY BLEMISH. I have no idea who it is or what it is about. It is a false claim/transaction. 
The collector ( MRS BPO ) hung up when I called. ( I XXXX  the number from the credit report. ) I called back immediately and they were from XXXX and that they turned my information back to XXXX XXXX  ( without even discussion ) this may have been a fake call. 

There have been no attempts to collect, and my account with XXXX is in good standing with their billing department. They are unaware. 

I have been hacked. Police and federal authorities have been contacted. I need to assure that credit is frozen. From what I understand removing this will immediately increase my score by XXXX points. There are plans to move forward with other harassment and identify theft/stolen information charges-pending result. 

Please help me remove this bogus account from my credit report! I will do whatever I need including all police reports and legal cooperation. Online harassment has gone on for more than 2 years. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I began my search for 2 XXXX puppies to purchase. I located XXXXXXXX XXXX XXXX online and contacted XXXXXXXX XXXX XXXX for more information. After communicating with XXXX XXXX XXXX  via e-mail, we soon both agreed that I would like to purchase the 2 puppies. I received a contract ( attached ) which I signed and sent back. I then sent deposits, etc ... after sending payment through my Chase bank app I was notified from XXXX XXXX XXXX that the puppies were delayed in XXXX XXXX and more funds were needed via XXXX. I sent the money, and then the sketchiness began. I stopped receiving calls, etc... 

I contacted Chase bank & XXXX to resolve this issue and they provided me with no resolution and said that there was nothing they could do for this. Obviously disgusted by the matter and who would do something like this, I began utilizing all resources and securing documents that were exchanged. But with no luck or resolution from either company. 

Chase Bank & XXXX who both were notified refused to resolve this issue on my behalf as a result. Even with proof. Maybe it is something I would have to in the end look into a lawyer because the end result after having contacted both Chase Morgan & XXXX was not acceptable to say the least.

Company response to consumer: Closed with explanation