vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Never had an account with XXXX XXXX or XXXX and I did not apply for any of these inquires.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Never had an account with XXXX XXXX or XXXX and I did not apply for any of these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FC HoldCo LLC
State: MO

Complaint narrative:
Flagship Credit Acceptance wrongfully repossessed my vehicle on XX/XX/23 which they admitted to. They returned my vehicle on XX/XX/23 not in the same condition that the vehicle was in when they wrongfully repossessed it. Since the wrongful repossession I have had to rent vehicles which has been costly. The said vehicle is our only vehicle. Both my husband and I have missed out on work which has also been very stressful, frustrating, and costly. And now it is unsafe to drive the said vehicle so now we will have to rent another vehicle. I will attach a list of the damages.

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the co-owner of a Chase account ending in XXXX with my XXXX child. On XX/XX/XXXX   there were 6 unauthorized XXXX  charges taken from my daughters account for {$2.00}, {$2.00}, {$2.00}, {$50.00}, {$50.00} and {$50.00}. All charges were payable to XXXX XXXX in XXXX Florida. My daughter was at work on XX/XX/XXXX  in XXXX, California and she did not make these charges. 

My daughter immediately filed a claim and had her debit card closed as soon as she saw these charges. 

I received a letter from Chase dated XX/XX/XXXX    that states the claim was denied due to the same token ID and apple pay being used. Thats a LIE! My daughter did not authorize these charges and her apple pay was not used. Please see the attached picture of her XXXX XXXX transactions on XX/XX/. 

Chase can tell from the way the transactions were done that this fraud. It follows a fraud pattern with them testing the account with three small {$2.00} transactions and then three larger transactions for {$50.00}. 

I demand that this claim being paid immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Conns is reporting an alleged debt that is not true or accurate to my knowledge. They have not sent me or provided with me with proper verification under the FCRA, to prove this debt is mine. They keep quote on quote verified with the credit agencies XXXX, XXXX, XXXX They are not in compliance with the FCRA. In anyway way shape or form. 
Here is a list of violations that CONNS is reporting on my file and refuse to fix this problem that is affecting my life tremendously. 

FCRA VIOLATION and they know this. 
* CONN APPLIANCES INC Account numberXXXX  Delete this account for inaccuracy because it continues to report activity after close date XXXX They keep reporting to XXXX XXXX, yet report XXXX  to you, if a lender was to pull my XXXX for a credit application or will result denial because of this inaccuracy. Delete immediately How can this be legal and be allowed to finish my credit worthiness? 

Fair Resolution Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
XX/XX/XXXX my leased vehicle a XXXX XXXX, VIN # XXXX was stolen and recovered the next day. I picked up the vehicle from the police station and returned it to the dealership where I leased the vehicle from XXXX XXXX XXXX XXXX ). My insurance paid for the repairs and I was called to pick up the vehicle. I explained to them since there was only a few weeks left on the lease they can keep it and I paid off the remaining balance of the lease contract. I was notified by the credit bureau app. XX/XX/XXXX that KIA Finance put {$18000.00} on my credit report causing my score to drop from in the 800 's to the 600 's. I spent weeks and app. 8 hours a day talking to KIA Finance and XXXX XXXX XXXX where they both continued to give me the run around. XXXX XXXX XXXX said they lost the vehicle. I went up to XXXX XXXX XXXX to resolve the problem where the manager and service manager was rude towards me and told me, we can not find the car and it is your responsibility and you have to pay for the lost vehicle. I called the police and they told me they could not give me a police report and to get an attorney.

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America will not release my Funds. Due to no fault of my own. The XXXX in that account is the only thing left I have right now in this world due to my loss of Work due to a XXXX XXXX. I have not ate in over a week. Everyone wants something and no one wants to help me. They will not release my funds even if I file a hardship request supposedly due to Claims and BOA taking the side of the merchants that I have claims with. I have gotten XXXX from one of the merchants and trust me if there is a reason I asked for the funds to be given back by these merchants but they are not even considering the loyalty I've shown for the past 17-18 years. They are not releasing my funds and want me to wait until the XXXX XXXX XXXXXXXX. I've been waiting since before the XXXXXXXX XXXX XXXXXXXX. I have not ate since then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
To Whom It May Concern, During my school years, my HSBC bank account was compromised and there were unauthorized withdrawals. 

I had vehemently contested this with evidence of : 1 ) two police reports 2 ) a letter from the US embassy XXXX ) video ATM proof from the local police of the illegal withdrawal that was not me XXXX ) Suspect mugshots I wrote many times about this case. XXXX XXXX previously mentioned that no account exists, but this is because I have closed my account. 

I wrote to the CEO and complaints team many times. 

Are you able to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, at about XXXX, I received a call from Chase bank ( it appeared as such in the caller ID ). They said that there was someone making fraudulent wire transfers from my bank accounts and that I needed to do a wire reversal to make sure the funds were not taken from my account. There were two men that I spoke to and the second man told me to wire {$3600.00} to myself with a specific name ( Reversal to *my name* ). After these steps were completed, they told me that they were going to investigate further, so don't go into the Chase mobile app or accounts for 24 hours and that I would receive a call at XXXX the XXXX XXXX. I did not receive that call and when I looked in my Chase mobile app, my money had been taken. I filed the the necessary complaints to Chase Bank over the phone and person and they are currently attempting to reclaim my funds. My issue is that the money was wired to a XXXX XXXX bank account and I don't have a XXXX XXXX bank account ( the name would have to match the account ) and I wired the money to myself according to their instructions, but I don't understand how the money was allowed to go through without a real verification by Chase 's wire research team. I received no calls or texts about the wire transfer and ultimately, although they say they will attempt to get my money back, I feel violated and my trust in Chase has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: MD

Complaint narrative:
The Department of XXXX XXXX XXXX : via Equifax XXXX XXXX inaccurately and fraudently reporting inaccurate information on my consumer report. Specifically : they are reporting several 90 day late payments in a 30 day period ( month ). they are reporting XXXX, XX/XX/2018, XX/XX/2018 as 90 days late for the month. that is impossible to be 90 days late in a 30 day period. I am asking for documents that verify what they are reporting on my consumer file or UPDATE to PAID OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
my account has been looking really weird and I think many is missing

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH EQUIFAX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND XXXX XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY EQUIFAX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. EQUIFAX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND XXXX IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. EQUIFAX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM ANNUALCREDITREPORT.COM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXXXXXX XXXX  XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of Experian and XXXX XXXX. An XXXX XXXX was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called XXXX XXXX and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. XXXX XXXX informed me that they would look into the issue and they closed the account. I also reported this dispute with Experian. I received notice at the beginning of XX/XX/XXXX that Experian had founded in XXXX XXXX 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. XXXX XXXX and Experian have yet to delete this information from my credit report. Whatever investigation XXXX XXXX did, they never contacted me for additional information to verify my identity, address, or phone number.

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 2023-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Since the beginning of 2023 Genesis company has been contacting us for a debt that we were not aware of. On XX/XX/2023 I sent them a letter requesting to send me more info about the debt as well the contract that they have with the apartment that gives them permission to request for a payment and ledger of my old account to verify accuracy of the charges. I asked them to send info in the next 30 days and asked them to give me 30 days to revise information. I asked to cease all calls during this time and they have not responded and they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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