vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Problem : The Autopay feature set in my Wells Fargo ( WF ) checking account to pay the full balance of my WF XXXX XXXX ( XXXX  ) didn't work last month on XX/XX/XXXX and I noticed that the payment had not been done on XX/XX/XXXX then, I setup the full payment of {$4100.00} manually. Anyways, I was assessed a {$29.00} late fee plus {$98.00} in interests. See attached page 1 of the XXXX credit card statement of XX/XX/XXXX. 

I called WF Credit Card division at XXXX yesterday XX/XX/XXXX and I was told that they didn't have anything to do with the setup of Autopay, that that feature is setup by a third-party company called XXXX. I was promised a credit of {$29.00} and {$50.00} toward the {$98.00} in interests charged to my XXXX credit card. The credit card representative told me that I had to talk to XXXX Complaints Department to see what was the problem with the Autopay feature. Today XX/XX/XXXX I spoke to XXXX Complaints at XXXX but they refused to take responsibility and directed me to a WF Customer Service representative who recognized that there were some technical issues with XXXX last month but, since WF is not the one making the charges, they couldn't issue any additional credit. 

I have a demonstrable history all my credit cards balances being paid in full and on time every month. With the XXXX credit card, Autopay would transfer the full amount due on the due date from my checking account into the credit card account, the only payments setup manually were on XX/XX/XXXX after I noticed Autopay had failed in sending the payment and this month 's payment of {$3800.00} setup manually for today because I do not trust Autopay anymore. I'm telling you because the WF Customer Service representative suggested that I never had Autopay based on last month manually setup payment. I'm attaching a screenshot showing how Autopay was setup to issue a payment on XX/XX/XXXX, the due date. Today I removed the Autopay payment and I scheduled it manually for payment today. 


Sincerely, 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 monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MA

Complaint narrative:
I received a Chime debit card. I never signed up for this account.. I contacted to customer service. I was told that this will be escalated to management.. They did not ask for my name or information.. Man with a heavy accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: TN

Complaint narrative:
Yesterday, XX/XX/2023 I received a email from a debt collection agency about a book that was apparently owed to a local college bookstore by the name of XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  The email had my old address which is a HUGE PRIVACY/SECURITY CONCERN and it had a debt amount of XXXX dollars which I DO NOT owe. I have tried to return the book 2 years ago back when the book was due but they told me since it was old and they no longer used that version that I could keep it or go sell it. I have tried to return the book twice since then 2 YEARS AGO. It is insane that 2 years later a debt collector wants to come after me. i want the debt collector to know that I WILL FIGHT THIS AND WILL NOT LET THEM PUT THIS ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are multiple Accounts reporting that are not mine I do not recognize any of 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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/23 I received an email from Capital One for a exclusive higher ESB for being a loyal customer ( I have a checking and savings account at Capital One ). The offer offered {$300.00} ESB instead of the usual {$200.00} for Quicksilver. I applied and was rejected. Why would Capital One email me for a special offer if they were going to just reject me? I had no plans to apply for this until I was solicited and this just seems like a bad way to treat your " loyal '' customers. I have now been rejected from 3 Capital One cards but I literally work at Capital One. The first 2 times it was because I didn't have enough credit history and this time it's because I have too many cards. I'm annoyed that Capital One has docked my credit score 3 times now ... and this time they solicited me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one repossessed my car illegally in XXXX of XXXX. They said I was behind on payments when they received payments back in XX/XX/2023 for over {$5000.00} and they also closed my account down back in XXXX XXXX and written it off. 

They failed to provide me with a 1099c or 1099a for the write off. Reporting different information with different CPAS and never had the consent to share my non personal information with the credit bureaus and ignored my last disputes with them. 

My credit report is not reflecting these payments they received the credit report agencies are not properly investigating. 

They failed to provide me with recent statements. Only statement I have is the one from XX/XX/2023. No XXXX or XXXX statement available showing the amounts they received. They been reversing my payment over and over since they received payments. 


See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Pulled my credit to realize I have a debt collection reported on all three bureaus, from a company AWA Collections on behalf of XXXX XXXX , XXXX. 
I was not aware of any debt owed to either company nor ever been contacted, received any notice, nothing. 
A previous owner of XXXX XXXX XXXX, over 8 years ago. my business has been dissolved and closed since late XXXX, early XXXX. All business dealings were handled and dealt with the XXXX XXXX management. 
Since the closure of my business I have not been contacted by XXXX XXXX or any person from XXXX, AWA. 
My understanding at some point XXXX XXXX was purchased by XXXX XXXX. 
I do not understand what the debt is from and how is it mine? The debt XXXXAWA Collections is seeking in the amount of {$7500.00}. How is it legal to add damaging information to someone's credit with notifying the person, allowing time to resolve matter? Proof the debt is the consumer. I would greatly appreciate your help with this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022, I used Affirm 's credit to purchase a guitar as a gift. The amount financed was {$1800.00}. I paid {$160.00} monthly from XXXX - XXXX. On XXXX XXXX, I made 2 payments : one for {$160.00} and one for {$960.00} ( the remaining balance ). 

In XXXX, I received notice that the amount owed was still outstanding. Affirm claimed I charged back the amount I paid them from account ending in XXXX. In reality, Affirm by their own admittance applied the credit to a foreign account ending in : XXXX. 

To date, the matter has been unresolved and Affirm filed a late payment with the credit bureaus. To avoid any more damage to my credit from Affirm, I paid the amount a second time and closed the account. 

Consumers beware of using Affirm to make any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: MA

Complaint narrative:
XX/XX/XXXX : Chime e-mails me that there's a new login to my account. I never had a Chime account and this is news to me! 
XX/XX/XXXX : Chime CEO, XXXX, e-mails to congratulate me on my new account. 
XX/XX/XXXX : Chime e-mails me that direct deposit has been set up for my account. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
XX/XX/XXXX : Chime e-mails that I'll get a bright green envelope with a new Visa card soon. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
Chime e-mails again on XXXX, XXXX, XX/XX/XXXX. 
XX/XX/XXXX : the Chime Visa card arrives XX/XX/XXXX : Chime e-mails me that there's a new login to my account from XXXX, PA, USA, on an " XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvn funding. XXXX $ I have attempted several times to resolve this issue with the company. I have notified them through multiple sources that this account is not my account and I have no knowledge of it. I have no contracts verbal or written with lvn funding nor any of it's subsidiaries. Lvn refuse to remove this false item from my report. And it is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have received several inquiries from banks such as XXXX XXXX and Capital One that I have not made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
There was an atm withdrawal made for XXXX and I didnt make the withdrawal on cash app there was devices logged into my cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom this may concern, I'm in process of purchasing a new home however upon obtaining my credit report, I discovered some inaccurate information on my Experian... XXXX and XXXX reports .... also, some inquiries ... collections and delinquencies that weren't authorized.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
All negative things should be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.

Complaint narrative:
Subject : Urgent Assistance Required Regarding Erroneous Bank Transfer Dear Sir/Madam, I hope this message finds you well. My name is XXXX XXXX and I am a client of XXXX XXXX XXXX XXXX XXXX based in XXXX. 

I am writing to you regarding a situation that unfolded on XX/XX/2022, when I made a transfer amounting to XXXX XXXX ( equivalent to XXXX XXXX  ) from my current account. This transaction was intended for a PNC Bank account located in the XXXX XXXX branch, New Jersey. 

According to XXXX XXXX XXXX XXXX XXXX, the transaction was successful and the respective amount was duly deducted from my account. However, I have encountered a significant issue : the beneficiary account details, including both the account holder 's name and the account number, were erroneously entered by me. The inaccurate details were initially set as placeholders to verify the functionality of my banking app and to check the exchange rate provided by my bank. Unfortunately, I unintentionally proceeded to initiate the transfer to this dummy account profile. 

I have made attempts to rectify this issue through my bank, XXXX XXXX XXXX XXXX XXXX, but they have expressed their inability to assist me further. They have indicated that the funds have already been deposited into the PNC bank account and that their communications with PNC Bank have not been fruitful. 

Considering this, I humbly request your guidance to get in touch with the appropriate contact at PNC Bank, enabling me to address and resolve this predicament. Your assistance in this matter is of utmost importance to me and would be greatly appreciated. 

Thank you for your time and consideration. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have perfect credit Transunion is reporting a {$160.00} collection account that is just showing up under my name from XXXX XXXX... The collection agency is XXXX XXXX XXXX with a disconnected telephone # of XXXX XXXX XXXX I also mailed a letter for the " documentation '' ... no response I have never done business with XXXX XXXX and it says the account is over 5 years old! 
Transunion admitted they have not seen verification of the debt and told me to contact XXXX XXXX XXXX which i tried to do and there has been no response to mail and again their phone # on XXXX, Transunion document and website is disconnected I have never received a phone call or letter regarding this and i know this is in error i want it removed Says acct opened XX/XX/2019 {$160.00} placed for collection 4 years later

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XXXX XXXX XXXX I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and two late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last four : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XXXX XXXX XXXX 
Remove any late payment dates after XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred afteXXXX XXXX XXXX XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from XXXX XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXX stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XXXX XXXX XXXX is attached. 

Thank you for your assistance.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and two late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last four : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. 
Remove any late payment dates after XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from $ XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXXXXXX  stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XX/XX/XXXX is attached. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief