vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
My issue is with the bank WellsFargo. There was an unauthorized transaction charged to my business checking account, but the investigation was not resolved in my favor, nor was any proof provided why the decision was made. I reached out to them several times with no response. During the claim investigation I was not contacted. Several weeks later I only received a letter stating it was closed and denied, because based on " evidence '' I had authorized it. I provided proof of where I was, history of transactions I was aware of, and there is also a history of the type of transactions that specific account is used for. 

There was a charge for around {$800.00} in early XXXX, in which my debit card was used. I always had my debit card on me and the pin was never provided to anyone. WellsFargo did not clarify how the transaction occurred and when there are large amounts charged to a card a security message is usually sent which was not. Especially considering per history on my account and card purchase usage, I do not make those large purchases. There were many red flags and per their decision the claim is denied without post explanations or proof and the investigation department never reached out to me requesting further information. 

I sent a letter in XXXX requesting for an appeal, per their time frames they respond within 3-7 business days and until today I have not received a responde from them.

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 2025-01-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I personally reached out via certified mail to several debt collectors regarding accounts allegedly owned by me. To request verified information that would show proof of ownership of these account. I have been a victim of identity fraud in the past and have also found my personal information on several dark web sites, which has led me to believe these accounts were created in error under my information. Some of the accounts in question date all the way back as far as 2018. I have listed all questionable accounts below. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I personally reached out via certified mail to several debt collectors regarding accounts allegedly owned by me. To request verified information that would show proof of ownership of these account. I have been a victim of identity fraud in the past and have also found my personal information on several dark web sites, which has led me to believe these accounts were created in error under my information. Some of the accounts in question date all the way back as far as 2018. I have listed all questionable accounts below. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
4 days prior to closing. I was notified verbally that my financing is being denied because of the XXXX XXXX XXXX for the building management company deductible per unit exceeds the max allowed per guidelines.

I then asked for a detailed letter of explanation to give to the seller to notify of this discrepancy and need to file for a extension on closing. I was told they didn't do that, only that they will send a letter of financing is denied. I then asked for my good faith deposit back and was told that since they occurred costs ie : appraisal, credit reports, that I won't receive it back. Even though everything on my end for financing was done and accepted. Financial approval with underwriting. I called back the next day ( 3 days to close ) to see if I could add to my insurance a loss assessment value greater than the Master policy deficiencies. Or if anything else that could be done and was told flat out the " there team had discussed this matter and it's a final decision " no if 's and or XXXX. Again asked about refund and was denied.

Next day ( 2 days to close ) I received a email to log on to portal for a document to review. I login to see a closing disclosure statement for final numbers of costs to close that was generated that day. 2 day after verbal notification of denial. Now I don't know what to think. Maybe management company adjusted the policy? Couldn't contact anyone because office had since closed. 
Closing day. Tried and contact advisors and supervisor to figure out closing or not and what's going on considering I still haven't received any written notification of denial. Left multiple voice mail and still no feedback. ( On closing day )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Tesla, Inc.
State: FL

Complaint narrative:
I applied for a lease with Tesla in early XXXX, my lease was approved and I picked up the car in XXXX of XXXX. Somehow this car was listed as a purchase by Tesla instead of a lease. Tesla has since repossessed the vehicle and refuses to honor the terms of the original lease. They are requiring me to now pay {$48000.00} for the purchase of the car. I put almost {$10000.00} down on this lease which included fees, taxes and my first monthly payment. I was told by Tesla that I would lose this money. I've tried several times to reach out to Tesla with no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been fighting a long battle with experian for quite some time now, I have sent over disputes about unverified accounts - instead of the company doing what they are supposed to do they are continuing to send me stall letters or just not responding at all.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
I have recently opened an account with XXXX ( XXXX exchange ) on about XX/XX/XXXX. After authorizing the withdrawing of funds from my bank account thereafter, I purchased XXXX on XX/XX/XXXX and XXXX of 2024. I made my first attempt to send XXXX to my cold storage wallet on the XXXX of XXXX of {$50.00} with success. It is recommended to send a small amount when setting up a new wallet. My second attempt was to send the remaining balance of approximately {$7800.00} to my wallet in which XXXX denied. After several attempts to send the remaining balance over the next couple of days, I was successful sending {$1000.00} worth of crypto on the XXXX of XXXX. On the XXXX of XXXX, I received a notice that my account had been restricted. I requested a phone call to find out what needed to do to reinstate my account. I shared with XXXX that every attempted transaction and action on my account was purposeful and was me ( The account Holder ). I have made " Four '' attempts to resolve this with Customer service to with no avail. My account is still restricted. XXXX Customer Service does nothing but Delay and Deflect. In closing if you have any questions please call or email. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I had got my statement for XXXX and it said that I was late that I didn't pay XXXX 's mortgage payment but I paid it I sent in a check for {$3.00} XXXX on XX/XX/year> I sent my payment through the mail I do not do automated payments or payments over the phone anymore because there was a breach with this Rushmore Servicing and I always mail in my payment but they didn't get it they claim they didn't get it and so now it it shows that I'm late so I call them I had a difficult time reaching them I finally had to go through the chat and finally someone came on chat but their phone service is terrible it continues to automatically automated give you automated answers that you've already answered and it doesn't connect you to a live agent so I had to go on the website and connect with the live agent on chat but this has happened before with Rushmore so I see this happening and I don't like it and I feel uncomfortable mailing and payments and then they're saying that they don't get them so not sure what's happening but I wanted someone to be aware of this issue this is not the first time and if you I think Rushmore has been noted as being a bad service loan Management Service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a complaint against XXXX, XXXX, and Equifax due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect and continues to harm my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it. 

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00}

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 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I purchased a vehicle on XXXX from XXXX. On XXXX the vehicle would not start. On XXXX I contacted the dealership. I was told instead of starting it with my finger put the keyfob up to the push start and push. The vehicle started. Did n't drive the vehicle again until XXXX on my way home the vehicle stopped without any warning in the middle of the freeway. I called the dealership who advised me to call the service department. I called repeatedly with no answer. I took the car up there and it was 2 guys working. They literally was not answering the phone just was relaxing & chilling. Since I have taken the car to the shop I have received no update on what's going on. Every time I call the service department I get no answer. When you call customer service you are told you still need to make your payment. Then today I'm being told about a deferment but a deferment adds more interest. The company is taking people money, not answering the phone then charging you the customer more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
Its disappointing to find incorrect details on my credit report that are bringing down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
XXXX XX/XX/year>, my Son whom I have never shared his number or listed as contact because of a strained relationship was called and texted by P & B Capitol Group LLC XXXX. 
He said they discussed I owed for some firearms I financed and then texted him without knowing if related or not, got information online. 
So with what happened this is a true violation of the FCRA because only way got his number is online and guessing related.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-06 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: MO

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-06 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: NJ

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a phone call this morning shortly after paying a credit card bill online. The phone number came up as " JPMorgan Chase '' but was not any phone number actually associated with JPMCB. 

Phone Number : XXXX The person on the other end of the call said that she was calling on behalf of XXXX  credit reporting and kept asking close ended yes/no questions to which I would vaguely respond but never say " yes '' or " no ''. She was asking about Credit Card information and promised that with my new credit report findingings she could lower ALL my credit cards to below 10 % interest. I let her know I have zero credit cards through Chase Bank and she again stated she was not with Chase bank. I told her I was sick and would have to call back later and she hung up on me.

Company response to consumer: Closed with explanation