vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: IL

Complaint narrative:
I am a victim of identity theft please remove this inquiries from 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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ive been with Bank of America for years and they have always constantly charged me more then once 35 on transaction canceled if I could not get over to the bank to deposit more 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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX. The insurance proceeds for my total loss totaled approximately XXXX XXXX over the mortgage owed to Wells Fargo for mortgage. After being lied to for almost 3 years about being able to re-build I decided to pay off Wells Fargo. I had to send 4 checks, total approximately {$200000.00} over mortgage pay off. 2 checks were stale and I had to get ca.fair plan insurance co. To replace those checks. Wells Fargo acknowledged receiving the new fresh checks, said they would be sending me {$180000.00} in the mail within 10 days. They did not. Now they dont know where my money is. They are a bank! They had the completely updated checks on XXXX XXXX. They were going to research it and get back to me by XX/XX/XXXX. Now I just got another fed ex letter saying they needed until XX/XX/2023. This has delayed my ability to rebuild. I am XXXX XXXX XXXX with a XXXX XXXX and we are living in temporary housing on our burned out property. The temp permit from county could run out and well be homeless all because Wells Fargo lost my money. Wells Fargo made over XXXX off interest with my mortgage. I was never one day late in payments. If I over draw my account by XXXX dollars I get 10 phone calls, emails and a hefty fine but they can steal my entire insurance amount for my burned house total loss to XXXX XXXX? 
They are violation page 6, line 16 of their deferred prosecution agreement for the XXXX XXXX civil case so CEOs should be going to jail for breach of this agreement. This is fraud. Their entire system give it another case number with an executive office case specialist ( with no last name ) and XXXX XXXX  down the road, all while they research where they stashed your stolen funds. It is set up to defraud and in fact is defrauding me. Please help.

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 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT 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 2023-07-24 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: MS

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-24 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: CO

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : 2022 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have 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 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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I asked the debt collector Midland Credit ManagementXXXX XXXX to stop contacting me by phone, in 2022, due to their pressures and ask them to only contact me by mail. 
I just found out that in retaliation of me asking that they not call me by phone, that they willfully and without my knowledge changed my mailing address to an old address that I had in a state where I lived 25 years ago. 
They willfully sent my information to someone other than my self which is a violation of my privacy and they willfully kept me from getting updated information regarding their collection actions. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank Of America charging me over pay and exaggerated the ( Balance, interest and late fees ) Send me to the court for incorrect amount owed which was ( more than triple )

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 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
In XX/XX/XXXX I refinanced my auto loan with Ally to XXXX XXXX XXXX. XXXX XXXX XXXX got a pay off amount from them and my XXXX XXXX over nighted the pay off check to them. I received a letter from Ally in XXXX XXXX stating " thank you for your paying off your loan '' and they released the title to XXXX XXXX XXXX Come XX/XX/XXXX Ally gets in contact with me and states that i have a passed due balance. They have reported to XXXX XXXX  at XXXX days late. The balance was paid, the title was released, and i didnt hear from them until months later stating the account still had a balance. I have received threatening letters stating they will repossess the vehicle. They had reported it previously as paid in full and then have not reverted it back.

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 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX XXXX ACCOUNT # XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several request to the credit bureau and have not received a response. This is not my debt. This is a credit error. Its affecting my credit and I have been denied a home loan. Please assist in removing this credit error

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 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT 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 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Bank has resolved the case and notified on my account as credit issued, but they did a mistake while processing the credit as removed temporary credit accidently they thought it was a double credit by ignoring earlier rebill on XX/XX/2023 ( {$1200.00} ) XX/XX/2023 : XXXX temporary credit XX/XX/2023 : XXXX rebilled after dropping the dispute as per communication, but problem has not been resolved the dispute, so once again it was disputed, so bank again processed temporary credit on XX/XX/2023 : XXXX temporary credit for re-dispute than bank resolved the case in my favor and notified on line credit issued, but while doing that they ignored the rebill on XX/XX/2023 ( XXXX ), then they removed my temporary credit as double credit with XXXX rebill on XX/XX/2023 XX/XX/2023 : XXXX rebilled by ignoring XX/XX/2023. 
Conclusion : Credit twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( XXXX ) and rebilled twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( {$1200.00} ). 
Now the bank is saying we have send it back to XXXX and we will not be able to continue because the funds were already returned to the merchant, so contact them, so I contacted merchant, XXXX, but they denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. The debt showed up on my credit report with no validation of debt or my rights regarding the debt sent to me nor was I ever contacted by the company in any way regarding this debt.

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 2023-07-24 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: CA

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 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, Someone opened the account on my name in XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX and also I am got so many credit cards from different big banks on my name mailed to my address I never applied for those. But I am resident of XXXX never opened any account with that bank .I also did police report in the local police station for identity theft. This is happening with me from last XXXX. I tried to contact the bank but now they took some action after so many tries. Someone used that XXXX XXXX XXXX XXXX to take loan and use credit card which the never paid. I came to know about this through my credit karma application. So all the activities related to the XXXX XXXX XXXX impacting my credit score and my credit record. Can you please help me how can I fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2023 I sent out dispute letters to all credit bureaus : XXXX, Equifax, and XXXX. I have not received any update on the investigation. It has been 32 days since they were sent out and I have not received any updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We went to purchase XXXX from a store ( XXXX XXXX is the name on the receipt, but the store is called XXXX XXXX XXXX XXXX ) in XXXX, XXXX. On XX/XX/XXXX. These XXXX  were supposed to be gifts for our return trip the next day. 

Two XXXX were purchased and the prices on the shelves were around XXXX XXXXXXXX {$50.00} USD each. When checking out the teller took our card to charge and then handed back the receipt and card. Upon return to the hotel, we noticed that the amount on the receipt was incorrect. The receipt doesnt even list the items out by price, its just a single charge for a custom amount entered by the teller. It appears that the items werent even scanned. The amount on the receipt that we have is XXXX Pesos, which was {$820.00} in USD after conversion. 

We headed back to the store to try to fix it, but they were already closed. We had to fly out the next morning but stopped on the way to the airport. The store was still closed so we could not fix it before leaving. Upon returning to the US, we tried to look up the contact information of the store and found out that the place is a tourist scam. 

All reviews for the site said that the store overcharged by 8-10x the price when checking out and then refuses to refund the amounts or the purchases. There was also no contact information listed for the store, so we could not reach them if we wanted to. They had no website, email or phone number listed. 

I attempted to then resolve this with the credit card company ( Capital One ) to adjust the payment made, but they refuse as we don't have an itemized receipt. Only the receipt given to us by the scamming store. Not getting an itemized receipt is part of the scam. Capital One could not provide us with any information. We provided photos of the XXXX purchases as well as other listings showing the proper prices of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
My wife and I have received numerous phone calls from GenesisFS Card Services over the past XXXX weeks. We blocked them as scam calls. On XXXX XXXX we received a letter dated XXXX XXXX stating that {$780.00} on a Milestone Mastercard Account ending XXXX was outstanding and demanding payment of that amount. Neither my wife nor I have had an account with Milestone Mastercard. WE only have XXXX XXXX issued in early XXXX by Bank XXXX XXXX. 

On checking my credit rating in XXXX XXXX, I find that my excellent XXXX  rating ( last time I looked ) has dropped on XXXX XXXX XXXX and XXXX with XXXX XXXX This unknown-to-us credit card account, which supposedly had a {$300.00} credit limit and a reported balance of {$780.00}, was apparently closed by XXXX XXXX  XXXX on XX/XX/XXXX XXXX for being 30 days late, owing {$89.00}. But the description on XXXX shows payments were supposedly made in XXXX and XXXX. So none of this makes sense, which is hardly surprising since this is a fraudulent attempt to get money from us ; the letter offers many ways to pay by phone or online. That I can ignore. However, it has impacted my credit rating and that is against the law. 

We have searched GenesisFS and see that there are a number of people who have been similarly scammed, but they don't mention credit ratings being impacted. 

I am XXXX XXXX XXXX, XXXX and not well. My wife is dealing with this on our behalf. We hope you can help. 

Thank you

Company response to consumer: Closed with explanation