vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is the second time they held my deposit now I have no money to feed my children no way to work and my children holidays are ruined my money was deposited on XX/XX/XXXX its the XXXX still no money my lawyer gave proof in email that it was clear on XX/XX/XXXX still waiting for my money XXXX depressed my children are hungry and nothing I can do because chase dont care they family eating good off our money they dont care about us Im to the point now I dont trust banks about to go old school and keep my money under my mattress at least I know I can feed my children and not wait for a bank to decide when I can access MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
The bank called XXXX XXXX XXXX  XXXX to pick up the vehicle illegally with the intent to sell it. Not in agreement to the terms and conditions of the contract, notice, or law. Theyve exhausted their chances to produce any evidence of ownership or being the creditor in accordance with the Administrative Procedures Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. WELLS FARGO CARD SERV, has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: Insikt, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX, Request to Opt-Out of Information Sharing Dear, Aura I am writing to formally request that you process my opt-out request under the provisions of 15 U.S.C. 1681b ( e ) and any relevant sections of the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I understand that I have the right to opt-out of certain disclosures of my personal information to non-affiliated third parties. Therefore, I request the following : XXXX. Please refrain from sharing my personal information with any non-affiliated third parties for marketing purposes. 
XXXX. Confirm that my request to opt-out has been processed and that my information will not be disclosed without my explicit permission. 

For my records, my personal information is as follows Please provide me with written/email confirmation that my opt-out request has been processed. 

Thank you for your prompt attention to this matter. 

Sincerely

Company response to consumer: Untimely response
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
since XXXX this company is been charging me {$540.00} for an account that doesn't belong to me. I called them and disputed this account and nothing has been done. On XX/XX/XXXX they charged me again {$560.00} which does not belong to me. I asked them for the agreement contract which I haven't received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCD Financial, LLC
State: FL

Complaint narrative:
For 3 years I've been telling this company that this account is not mine. I sent them a letter requesting an agreement contract, but haven't received and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: CA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: NC

Complaint narrative:
My name is XXXX XXXX, I'm writing to address several problems I've found with my credit report. These include incorrect account listings, unauthorized inquiries, credit reporting mistakes, billing issues, and accounts that do not belong to me. 

I am requesting help to fix these issues and protect my financial security.

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 2024-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-31 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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:
Address are not mine : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX CT XXXX XXXX FL PHONE NUMBERS AREN'T MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEVERAL EMPLOYERS AREN'T AFFILIATED With ME AS WELL IT STATES I HAVE BEEN IN YOUR FILES SINCE XXXX THATS EXACTLY WHERE THE IDENTITY THEFT STARTED *XXXX XXXX XXXX  XXXX ( I have had a car insurance company for a long time never had to look for another/this is not my inquiry XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE LIST GOES ON

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 2024-08-31 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States | 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 an 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 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America company charged me overdraft fees for years and I was under the class action lawsuit and wasnt reinstated for my losses due to me relocating to Arizona

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 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I reached out to XXXX at the end of XXXX to talk to someone about my payments, because we had some unexpected home repairs that made money extremely tight. I asked to push my monthly payment out a couple weeks to ensure I had received another paycheck before the payment pulled again. XXXX agreed to put me on their Catch Up Plan which we agreed upon payment amounts and dates, to ensure I stay caught up on my loan. I made a payment on XXXX and another payment was/is due to come out on XX/XX/year>. 

I started receiving late notices from XXXX saying I was behind on payment so I called ( sometime during the week of the XXXX, to talk to someone about these, as I was under the impression I was squared away with my Catch Up Plan. I was told that I was behind and that I would need to make a payment before the XXXX, or I would be 30 days past due. I explained to them that this had been approved prior and I wasnt expected to make payment until the XXXX. And then another payment every 22 days after. 

XXXX was unable to adjust or help me in any matter. They apologized that it was amortized wrong and that I needed to at least make a half payment or I would be reported to the credit bureaus. 

I am now being reported past due to the credit bureaus and my XXXX XXXX went from XXXX to XXXX in a matter of days. I have had XXXX other late payments or issues in years. XXXX extremely frustrated and think this is super misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX current case Would like for an ATM picture of me making deposits on XX/XX/XXXX between XXXX at XXXX XXXX XXXX XXXX branch XXXX I indicated XXXX transactions of {$6500.00} and {$4600.00}. There were was no printed receipts since scammer told me one was not needed. The amounts were around {$6500.00} and {$4600.00} and dont have the exact to to the dollar but these XXXX large amounts for transactions were deposited and would like from the ATM machine the exact time and the amounts that went into that machine to the scammer 's debit card. I am 100 % these were the only types of this amount that went to that ATM machine. At this location the ATM is in the bank and is not accessible XXXX hours -- at that branch-closes at XXXX Scammer was on the phone from XXXX until a little after XXXX and then called me back for more instructions. I attempted to contact my cell phone provider XXXX and XXXX to request phone call records of the scammer giving the information on the call but told unable to give and can only provide the phone logs of the calls that came from XXXX. This call started at XXXX pm and lasted XXXX hrs XXXX min and XXXX seconds and they were on the call instructing me to add the debit digital card ( that was suppose to be my card-that did not happen ) and told me how to go the the ATM to login in as myself and then scan my phone with the digital card that was given over the phone with a pin number of XXXX in order for the cash to be deposited. I have the phone logs if needed of all the calls from this number on XX/XX/XXXX and XX/XX/XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: CA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-31 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation