vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) - XX/XX/XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX  ) - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my identity was used to apply for a car loan. They ran at four different times at XXXX XXXX XXXX XXXX, California as soon as I got the email alerting that my credit was ran I called them. It was at XXXXXXXX XXXX  and I was told that they would list it and they would be removed. I have been fighting with Trans Union For almost a year and a car and they keep saying validation is confirmed, but they have not shown any proof that its been validated and if you look at my record once I receive that alert, I immediately lock 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 2024-05-22 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XX/XX/XXXX I was notified by text of suspicious activity on my Wells Fargo checking account that asked if I authorized a {$2400.00} payment on XXXX payment. Please respond yes or no, so I, of course, replied no. In response, the next text said that someone would be contacting me shortly. ( Texts included as attachment ) I then received a call from a professional individual posing as a Wells Fargo agent who proceeded to help with the charge. The number was a fake - ( XXXX XXXX ). They then requested user name and password to the online banking app so they can temporarily secure the account for 24 hours. I did provide the information with the impression that this individual was a legitimate representative of Wells Fargo. They also provided a temporary passcode and requested the debit card number. In the next few minutes they moved what was in my savings account into the checking account and someone at an atm in XXXX, NC made three withdrawals of {$200.00} each. The location of this atm showed up on my banking app under the transactions. This happened to be about an hour south of where I live. 

The following day on XX/XX/XXXX I called the fraud division of Wells Fargo to follow up on the incident and discovered they had no record of any contact with me regarding the previous day. I gave the agent all of the info I had about what had happened and they issued a new debit card for me. I then filed a fraud claim with Wells Fargo through the proper channels and then waited several days for a reply. The decision they reached was that there was no fraud and either myself or someone I know was allowed to use my card to make the withdrawals. I received that news by letter. ( see attachment ) I am XXXX XXXX XXXX, live alone, no children, grandchildren, and the nearest family is XXXX miles away. No one ever uses my card ever. 

On Sunday the XXXX of XXXX I notified the XXXX, NC police department since that was the location of the withdrawal. I spoke with XXXX XXXX XXXX and relayed all of the information to him. Phone XXXX XXXX XXXX. He turned the information over to investigations. Case # XXXX XXXX XXXX called back on XX/XX/XXXX, ( XXXX ) XXXX XXXX ), to get my debit card number used in the fraud, which he then relayed to the local Wells Fargo office security there so they could review video at the atm on that day. It is still ongoing.

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 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
I got the car in XXXX of 2023 from a used car lot in Arkansas. Three months go by and it completely stop working out of nowhere. I called the company and tell them its a problem with my vehicle. They call me back and told me use my insurance to have a diagnostic test done and then they can go from there. I stated to them I'm not using my insurance for a problem that fell under their warranty. So they tell me have my insurance tow the car to their facility. Once again using my insurance to so something that they are suppose to do was not what I was told to do before I left the lot. They finally came and got the car and I am asking them when will they fix my car. They told me that I would have to come all the way to Arkansas and sign a paper so they can see what i have to come out of pocket to get fixed. So i stated to them that nothing should be coming out of my pocket and I need my vehicle fixed. They had my vehicle a month almost and still wanted a payment. I told them I would make a payment when they fix my car that was sitting on their lot int heir possession. They refused to fix it and told me that would be considered a repossession even though it was not a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I attempted to withdraw my account balance from Marcus, by transferring it to another bankXXXX XXXX XXXX Marcus reversed the transaction, and when I called them, they locked me out of my account citing bogus information that they can not verify my identity. 

I would like my account immediately closed and my balance transferred by check to my mailing address on file, but they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies on my credit report within 30 days. 

Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of 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 2024-05-22 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies on my credit report within 30 days. 

Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: LEXISNEXIS
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
Requesting that the debt collection be removed from my credit report. Balance is XXXX and has been XXXX for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 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 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 2024-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive never had a contract with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete immediately I demand that you cease all collection activities regarding this debt and delete any adverse reporting to any consumer reporting agency or I'll report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
Please send a letter stating that you will delete and stop reporting adverse information to any and all consumer reporting company and comply with my demands.

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, sending generic billing statements is not proof but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
The entity Portfolio Recovery Associate has listed on my credit report an amount of XXXX $ for a debt I dont owe neither recognize. I never held neither opened any account with this XXXX XXXXXXXX XXXX  XXXX listed on my credit report with XXXX. The account number listed is XXXX for an amount of {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I booked a flight through American Express Travel for travel in XXXX of XXXX. I cancelled this flight due to unexpected circumstances and received a credit of {$580.00} for the cost of the flight. 
In attempting to utilize this credit, I was only able to utilize the base fair of {$510.00} for the new flight. They retained the ~ {$70.00} in original taxes and fees and charged an addition {$140.00} in taxes and fees for the new flight, which I could not apply the residual credit value to. 
I see this as collection of taxes for services not rendered / double taxation and deserve a refund of the original taxes and fees paid to American Express Travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I have had an account with Goldman-Sachs via Apple for quiet some time. I always pay my bill on time. I made a payment. My phone inadvertantly selected the wrong account for payment and the payment was decline ( rightfully so ), I immediately picked the right bank account when I learned the problem. The payment has cleard my bank so they have my money but the system identified my account for a hold. So they have my money and I am out of my money from my bank account but yet they are still holding on my account and I have MULTIPLE auto withdrawals from the account and they are getting declined b/c with the " payment hold '' even tho they have the payment, they are still punishing me when my payment was on time and has clearned my bank account. This puts me in a bind at a minimum very inconvenient and bad customer care but at worst I could have services interrupted and fees applied for declined payment and that this could get reported to credit beaureau when i did nothing wrong. They have my payment. This is an unfair practice and they should be told that they can not treat their customers this way. I called and spoke to the bank and they said this was " automatic and they canot undo it. '' I will not clear for another several days and they have my payment. Please address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am demanding that your credit reporting agency DELETE information regarding the ( 7 ) listed accounts below immediately because your agency PUBLISHED/FURNISHED these accounts on my credit report without my PERMISSION!! 
I want to be very CLEAR and CONSPICUOUS! 
I am stating that TRANS UNION is in violation of FEDERAL LAW for violating my PRIVACY RIGHTS when the accounts were furnished on my credit report by TRANS UNION because I did not give any form of PERMISSION, CONSENT or any type of any written instructions to this credit reporting agency. 
The LAW clearly states FCRA 602 that I have a right to PRIVACY. FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions, therefore I want the ( 7 ) accounts listed below DELETED because Trans Union Published this information without my PERMISSION! 
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 
I will sware in a court of law that I am filing this complaint /dispute on my own accord with ABSOLUTELY NO third party involved. 
If these items are not removed at some point I will seek legal representation in order to defend my federally protected rights as a consumer.

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 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 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 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