vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo misapplied money.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX was spent farming equifax, typing and creating dispute letters and looking at credit reports. XXXX was spent going back and forth to the post office. XXXX was spent finding errors on my credit reports. XXXX was spent calling Equifax multiple times. XXXX was spent filling out Envelopes. XXXX was spent printing and signing dispute letters. XXXX was spent filling out XXXX certified mail forms. XXXX was spent in line at the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2023 My father-in-law sent me a payment of {$1000.00} which he did on the Venmo app he asked me to create an account and so I did. I received the payment on Venmo from my father-in-law and the following day on XX/XX/2023 I was notified by Venmo that my account was temporarily frozen due to suspicious activity until I could provide some Identification which I immediately did. A few days later I was notified by Venmo that my account was permanently closed and that my funds will be held for 180 days. This is a deceptive practice they are conducting because I'm not the only XXXX whom this has happened to it is very common with Venmo. I want my money back immediately, they have stolen it under the guise of " violating user agreement terms '' which I did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This has been a horrible experience it is XXXX I am without funds due to Bank of America closing my account. I called risk and closure on XX/XX/2023 to follow up about me picking up a check at a Bank OF America XXXX when speaking with risk and closure I was told XXXX cleared to pick up the check at any branch just call XXXX & XXXX if there were any issues. I make an appointment to go to the Bank Of America XXXX located at XXXX XXXX XXXX XXXX, CT I get a call from a banker by the name of XXXX who works at the branch she stated during the call she contacted whomever at Bank Of America and was told the check was sent out in the mail and that I could not open any accounts due to this being the bank 's decision. After the call with XXXX I immediately called risk and closure and spoke with a rep about why the check was sent in the mail the rep said the check was sent in the mail due to me not picking up the check on XX/XX/2023 when the rep stated this I found this to be very odd due to the fact that when I spoke with risk and closure there was not a set timeframe for me to pick up the check. Nonetheless, it is XX/XX/2023 XXXX XXXX and XXXX without any funds this is not ok at all bankers and corporate can enjoy their holiday with their families and people like me are without and can not enjoy anything I do not find this to be correct XXXX the victim however XXXX treated as a criminal. For the last month, this has been such a horrible experience no one at Bank Of America can talk or advise no one gives you a call, and most of all no one is knowledgeable about anything I go through hurdle after hurdle not achieving anything just a waste of time and phone calls.

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 2023-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I applied for an extention of credit for consumer credit transaction to purchase a vehicle from XXXX GMC in XXXX California, for personal, family, household use by the natural person. I was denied access to my own credit after submitting an application in good faith. This is discrimination. Regardless of the reason for denial, being denied my credit is in violation of the equal credit opportunity act, and XXXX finance protection act. Also I was informed that a down-payment of {$40000.00} would be a requirement. According to XXXX XXXX XXXX, finance charge is sum of all charges, and is not payable in an equal cash or any other form of currency. It is a credit transaction. They've also based they're decision on what they're opinion of credit worthiness is and not based on what XXXX defines credit worthiness as being. Again, This is discrimination. 
As defined by XXXX, XXXX, Federal Reserve XXXX, and Bill OF Exchange Act, the application is a security. Keeping my application where from witch I received no value in exchange is securities fraud and XXXX carry civil and or criminal liability subject to fines and imprisonment pursuant to consumer law. 
XXXX denied access to my extention of credit not only has left me in financial hardship, it has taken its toll on me emotionally and physically due to stress, worries, sleep deprivation and lack of apatite as a result. I am willing to take this matter to the XXXX XXXX if it can not be resolved. I am offering XXXX hrs allowing you opportunity to cure before I begin the administrative process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited XXXX checks via mobile app, XXXX under my name and another under someone else but endorsed to me, the next day I noticed that the app said the funds where on hold until the XXXX. Didnt think nothing of it but that same day the XXXX I noticed that my XXXX accounts and another XXXX where XXXX a signer where frozen and funds couldnt be used, not the funds from those checks but funds available from other sources. I contacted chase via phone and they told me the checks couldnt be verified, that XXXX looked like it was written by a child, that it was missed spelled, that they couldnt contact the maker of the checks ( never called him ) that the amount was suspicious, that the endorsement was wrong, that they tried contacting the third party by phone but the number I provided appeared as someone else, I been calling every day trying to solve this issue and XXXX just running loops with their solutions I already contacted the phone carriers and the phones are under each of XXXX of us and also the maker ( my employer hasnt been contacted ), the last suggestion they gave me was to ask the maker of the checks to cancel the payment, and that cant be done because chase already cashed the checks and deposited in my account and froze the money until they solve this matter. So now here I am no solution tru them over the phone or the branch ( they refused to take ids in the branch and we both have accounts with them ) the branch said it cant be solved there because of policy with the call center, today is the XXXX and XXXX to XXXX XXXX where I know theyre gon na keep my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX Mortgage ( XX/XX/XXXX & XX/XX/XXXX ) and 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 non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The issue is with the account I have with XXXXXXXX XXXX XXXX for credit card ending in XXXX and that I have paid XXXXXXXX XXXX XXXX the {$47.00} balance in full since XX/XX/2023 as pictured in my attachments showing both a payment conformation email from XXXXXXXX XXXX XXXX, and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXXXXXX XXXX XXXX wrongfully and repeatedly credit reports to TransUnion that there is a due balance of {$47.00} still due. I have disputed this with TransUnion and the other credit reporting bureaus several times and this unjust behavior of XXXXXXXX XXXX XXXX still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/2023. As result, XXXX of my credit scores dropped XXXX points due this willfully erroneous reporting from XXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  act up to XXXX different times, however i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am free with XXXX XXXX currently. The back ground company First advantage, XXXX XXXX XXXX XXXX, In XXXX is reporting inaccurate information on my consumer back ground and i would like for it to be removed immediately because this inaccurate information is preventing me from gaining employment. 


Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the XXXX request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting act 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION. 

XXXX Equifax and XXXX asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Experian has continue to use the inaccurate information. The following items with the Id numbers needs to be removed as Experian has continue to violate XXXX XXXX XXXX XXXX XXXX I received mail from Experian on XX/XX/2023 with the wrong name and address, i was addressed as XXXX XXXX which is not my name or my address that was reported. I am asking that that following accounts be removed from my credit report so that it will reflect XXXX name and XXXX address. Please as stated by ; Section XXXX XXXX XXXX Code XXXX Section XXXX XXXX XXXX Code XXXX XXXX Section XXXX B XXXX XXXX Code XXXX XXXX address Id : XXXX report number XXXX name Id : # XXXX, name Id : # XXXX, name Id : # XXXX none of the following items are of my identity. this is why my information has been used in an identity theft with the following companies because Experian 's has been reporting other people names and addresses on my credit report. The on name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Hide full complaint

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Dispute of Missed Payments on Credit Report Dear CFPB, I am writing to dispute the accuracy of information on my credit report as provided by your agency. After reviewing my credit report, I have identified discrepancies related to missed payments that are inaccurately reported. I request a thorough investigation into the matter to rectify these errors promptly. 

Below, I have outlined the details of the disputed information : Creditor Name : Kohl 's Account Number : XXXX Date of Reported Missed Payment ( XXXX ) : XX/XX/2023 Inaccurate Information : Charged me a late fee along with not sending me an email or any reminder to pay off my card. Paid off the full amount as soon as I was notified of a late fee charge. Do know that this is an unfair situation this systematic error had caused. I pay off all of my statements on time. 
I believe the information mentioned above is inaccurate, and I request that you investigate this matter as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). I have attached supporting documentation, including [ any relevant documents you have ], to assist in your investigation. 

Please provide a written response outlining the results of your investigation within the timeframe stipulated by the FCRA. If you find that the information is indeed inaccurate, I request the following actions be taken : Correct the information on my credit report. 
Provide an updated copy of my credit report reflecting the corrections. 
Notify all parties that have received my credit report in the last XXXX months of the corrections made. 
I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. If you require any additional information, please do not hesitate to contact me. 

Thank you for your assistance in rectifying this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Re : ALLY FINCL - XXXX Opened - XX/XX/ I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with Ally Financial many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from Ally Financial Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and Ally Financial never notified me that they never got it from the dealer they just put it on a collection of my reports

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief