vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/year>, I used my Elan Financial Services XXXX XXXXXXXX XXXX XXXX  credit card to purchase flights online from XXXX separate airlines ( XXXX and XXXX XXXX making up an XXXX XXXX itinerary. For the credit card transaction with XXXX, Elan XXXX applied a nearly {$40.00} foreign transaction fee. For the XXXX transaction, Elan XXXX applied no fee. 

Both purchases were charged in USD ( no currency exchange ). Both airlines operate in the XXXX ( and routinely serve XXXX consumers ). Both flight segments were for departure and arrival cities overseas ( no XXXX segment in either ). For the airline transaction incurring a fee, XXXX supplied a merchant location in the departure country ( a XXXX  overseas territory that also uses USD ). In contrast, XXXX supplied their XXXX merchant info. If XXXX had charged my XXXX credit card ( with XXXX billing address ), citing their XXXX business address, as is customary for US-based consumers XXXX then no fee would have been applicable. 

This credit card fee seems arbitrary and unfair, as I had a reasonable expectation that I was dealing with the XXXX arm of XXXX, and had no way to know the merchant location that would be referenced in communication between the merchant and Elan XXXX. Elan XXXX suggested that XXXX might be at fault, but I am still stuck with a fee imposed by Elan XXXX and the merchant has no skin in the game. I would like to have the fee reimbursed by Elan Financial Services.

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 2024-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a hard credit inquiry. 
We found that a hard inquiry was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Via Dealer 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 2024-08-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a hard credit inquiry. 
We found that a hard inquiry was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TD Auto Finance 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 2024-08-05 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: TN

Complaint narrative:
All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX They have two accounts XXXX are reporting also different payment history on each one but has since been updated to paid as agreed XXXX XXXX XXXX XXXX XXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history XXXXXXXXeach bureau are reporting different payment history-

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 2024-08-05 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I submitted a CFPB complaint on XX/XX/year> to ChexSystems regarding an inaccurate account with XXXX XXXX XXXX XXXX. ChexSystems responded on XX/XX/year> stating that XXXX XXXX XXXX XXXX verified the information to be accurate and complete. Now I'm requesting ChexSystems method of investigation per the FCRA.

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX to XXXX someone spoofed my Wells Fargo Debit card to make purchases totaling {$1200.00}. These purchases were not authorization by me and could not have been made by me. The reason I say this is because the debit card in question was in my possession at the time and the location in which it was used, is roughly two hours away from were I was ( See attached google timeline ). Along with that, all my retail purchase are made using a credit card ( see attachments ). My checking account that my card is link to is primarily used to pay for bills ( See attachments ). I tried to explain to Wells Fargo that I do not frequent XXXX and that I not in the area. I also tried to explain how it is physically impossible to be in that area using my debit card, when around that time I had just used my credit card in the town that I live in. The action that were taken by the company was to cancel my debit card and open up a claim. 

*Update, I had to reopen this complaint because all my attempts to contact the bank have gone unanswered. I still do not know why my initial claim to the bank was denied. I have not received any documents proving that I authorized the transactions mentioned above. *

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern and frustration regarding the closure of my account. On XX/XX/scrub> 2024, XXXX confirmed that my account would be closed in response to my initial complaint ( XXXX ). However, despite multiple attempts to obtain a specific timeline for the account closure and the return of my funds, I have yet to receive a satisfactory response. 
I have made the following efforts to resolve this issue : Submitted initial complaint ( XXXX ) Received confirmation of account closure on XX/XX/scrub> 2024 Contacted XXXX customer service on : * XXXX XXXX, 2024 * XXXX XXXX, 2024XX/XX/year> * XX/XX/year>2024 During each of these interactions, I requested a clear timeline for the account closure process and the return of my funds. Unfortunately, as of today ( XX/XX/year>2024 ), I have not received any concrete information or updates regarding my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are credit cards opened under my name, and I believe its fraud. 
1. XXXX XXXX XXXX ( XXXX ) - Opened XXXX2023 ; Limit : {$1000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX 2. XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX And there are inquiries as well : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX Incorrect personal information as well : 1. Name : XXXX XXXX - should be XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ; should be XXXX XXXX XXXX, XXXX, CA XXXX Please find attached police report with 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 2024-08-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Commencing on or about XX/XX/2024, I fell victim to a multi-layered scam operation that involved me making deposits for a total amount of XXXX XXXX from my XXXX  XXXX XXXX account to PNC Bank at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
So I have a very concerning issue. I purchased my home XX/XX/year>. At the counseling with my realtor I was informed to not run my credit. So the last time I authorized any company or myself to run a credit inquiry on my credit report was XX/XX/year>. But upon looking at all of my credit reports I see, unauthorized credit inquiries from XX/XX/XXXX until present. Again I never authorize any of these credit inquiries and I would like to remove from my credit report. Now my credit report poor. Which I thought I was doing a good job but not applying for credit, but some kind of way credit increase have been authorized. Again, all of these credit inquiries from XX/XX/XXXX until present or unauthorized.

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 2024-08-05 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: DISCOVER BANK
State: GA

Complaint narrative:
So I have a very concerning issue. I purchased my home XX/XX/year>. At the counseling with my realtor I was informed to not run my credit. So the last time I authorized any company or myself to run a credit inquiry on my credit report was XX/XX/year>. But upon looking at all of my credit reports I see, unauthorized credit inquiries from XX/XX/XXXX until present. Again I never authorize any of these credit inquiries and I would like to remove from my credit report. Now my credit report poor. Which I thought I was doing a good job but not applying for credit, but some kind of way credit increase have been authorized. Again, all of these credit inquiries from XX/XX/XXXX until present or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
My property tax of XXXX check was returned back to my mortgage company, due to being approved for XXXX. I called them on this issue, therefore sending them a copy of the exempt letter from the courthouse in XXXX XXXX and proof of the returned checked that was cleared by their company on XX/XX/XXXX. I ask them could they give me a time frame or update when they would forward the check back to me and rework my mortgage payments. All I being getting is excuses and no results. Today date is XX/XX/XXXX, this is unbelievable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: KS

Complaint narrative:
Final Warning to all imposters using false statements and identity theft for profit and or gain! 

TRANS UNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the CFPB. 

Your lack of response, acquiescence and continued damages to our, character, reputation and credit have created a tort, or torts, against My Human Self.

NOTICE of the Commercial Lien Process I have implemented.

A Common Law Commercial Lien is a process that any Human Being can employ in order to obtain lawfulremedy from the actions of another Human Being ( s ) who have or have attempted to or have conspired to- damage said Human in some way. Such wrongs are known as torts and are the subject of Tort Law. This includes harassment, such as threats with menaces, which is considered to be psychological damage, and also defamation of character, which is also considered to damage a reputation. The reason for this is very simple : Since all are equal under the LAW, then each Human Being has a Duty of Care to each other Human Being, such as to make sure that whatever action we take towards each other we have the Common Law behind those actions, and thus can live together in peace. Abrogating said Duty of Care is a CRIMINAL ACT and constitutes a tort against XXXX XXXX  and you, XXXX XXXX XXXX in your personal capacity. 
You had 30 daysto respond with a TRUE BILL, as of XX/XX/year>, this has not occurred. Identity Theft under Kansas Statute 21-6107 is a severity level 5 or 8 nonperson felony. I will also be looking into filing under the False Claims Act for failure to follow throughwith your fiduciary responsibilities to act in my best interest, as noted in past certified mailings.

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 2024-08-05 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Final Warning to all imposters using false statements and identity theft for profit and or gain! 

XXXX XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the CFPB. 

Your lack of response, acquiescence and continued damages to our, character, reputation and credit have created a tort, or torts, against My Human Self.

NOTICE of the Commercial Lien Process I have implemented.

A Common Law Commercial Lien is a process that any Human Being can employ in order to obtain lawfulremedy from the actions of another Human Being ( s ) who have or have attempted to or have conspired to- damage said Human in some way. Such wrongs are known as torts and are the subject of Tort Law. This includes harassment, such as threats with menaces, which is considered to be psychological damage, and also defamation of character, which is also considered to damage a reputation. The reason for this is very simple : Since all are equal under the LAW, then each Human Being has a Duty of Care to each other Human Being, such as to make sure that whatever action we take towards each other we have the Common Law behind those actions, and thus can live together in peace. Abrogating said Duty of Care is a CRIMINAL ACT and constitutes a tort against XXXXXXXX XXXX  and you, XXXX XXXX XXXX in your personal capacity. 
You had 30 daysto respond with a TRUE BILL, as of XX/XX/year>, this has not occurred. Identity Theft under Kansas Statute 21-6107 is a severity level 5 or 8 nonperson felony. I will also be looking into filing under the False Claims Act for failure to follow throughwith your fiduciary responsibilities to act in my best interest, as noted in past certified mailings.

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 2024-08-05 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-05 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KS

Complaint narrative:
I have tried to dispute the account several times and Jefferson Capital continues to miss report. I have reached out for assistance and also have transcripts indicating Jefferson Capital is not reporting correctly and XXXX has no account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I was summoned to court for being sued for credit debt from when I was XXXX. I am now almost XXXX XXXX XXXX and I believe that being I am in the state of XXXX, this debt has reached the statute of limitations and I should not be sued for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-08-05 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: IL

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-08-05 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a XXXX XXXX inquiry. 
We found that a XXXX XXXX was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

GM Financial 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

Company response to consumer: Closed with explanation