vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
High interest fees and i was never refunded gap protection after the car was paid off

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/year> application denied for Ref : XXXX. 
On XX/XX/year> application denied for XXXX. 
On XX/XX/year> application denied for XXXX. 
According to 15 USC 1679a ( 1 ) the term consumer means an individual. ( 2 ) Consumer credit transaction means any transaction on which credits is offered or extended to an individual for personal, family, or household purposes. 15 USC 1602 ( f ) the term credit means the RIGHT! 12 USC 1431 Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers. The denial of these applications is a violation of 15 USC 1691 ( a ) activities constituting discrimination It shall be unlawful for any creditor ( American Express National Bank ) to discriminate against any applicant, with respect to any aspect of a credit transaction. When in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. In addition, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. This will also serve as Notice of breach of fiduciary duties XXXX XXXXXXXX XXXX XXXX XXXX. It is AMEX duty to provide accounting under XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Its a direct violation of mismanagement of Trust Assets : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  When a BOND is tendered for settlement there is immediate discharge and XXXX XXXX applies. The bank is required by law to either use their XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX series, to perform the set off, or wait for the XXXX to process the BOND and discharge the liabilities. Its simply a book entry, just like the original demand deposit which extended the credit from the buyer to seller. If you refuse to do the accounting, you can be held liable for damages for violating FDCPA and FCRA 15 USC 1681 a, n, o for willful negligence noncompliance. See XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I misread what I signed up for because I have XXXX. I thought it was just a {$300.00} race fee and application and I ended up being charged {$3000.00} and Chase will not help me. This {$3000.00} is an unnecessary donation and it is not essential. I understand the race fee being taken but the donation costs more than my rent and I can no longer support myself. This was all a mistake on my end and I am completely caught off guard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Both my minor children have been a victim of fraud and identity theft. I have contacted the credit card companies explaining the accounts were fraudulently opened and my children are minor. The accounts need to be removed from their credit reports, collections, and any other reporting as these are fraudulent. The companies have failed to correct the accounts as well as the credit agencies. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXX XXXX XXXX XXXX Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am the victim of fraud. Someone managed to charge close to {$3000.00} on my citibank credit card between XX/XX/XXXX and XX/XX/XXXX. As soon as I became aware of this, I disputed the charges with Citibank. Within about a week or two, Citibank denied the investigation and said I was responsible for the fraudulent charges. This card has never left my apartment and is locked in my desk and never used other than for a few small bill payments. Upon several calls to Citibank customer service, there help is completely worthless. Most of their representatives can barely speak English and often hang up in frustration. Citibank bank has taken a total of {$1500.00} in payments from my bank already to pay for the fraudulent charges. These charges were all over the country and in restaurants and places I have never heard of or been to. I will copy the largest charge here. This fraudulent charge was allegedly made at a XXXX dealership in a place I have never heard of or been to " XXXX OF XXXX XXXX XXXX XXXX FL XX/XX/XXXX Disputed on XX/XX/XXXX {$180000.00} Your dispute is resolved and no credit has been issued Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. If you still need more information on the decision, you can contact us at XXXX ( TTY 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a XXXX on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need to emphasize that this issue is not a simple mistake. The inaccuracies on my credit report have been deeply troubling and continue to negatively impact my life in ways that are hard to describe. These are difficult times, and the stress from these errors is overwhelming.

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 2024-10-29 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: AZ

Complaint narrative:
I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.

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 2024-10-28 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: FL

Complaint narrative:
This is serious, I am worried regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-10-29 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: MD

Complaint narrative:
For some reason Chexsystems didnt investigate on my first dispute about XXXX XXXX XXXX XXXX XXXX. Now I request Method of Verification invoking FCRA 611 ( 15 U.S.C. 16811 ) which forces Chexsystems to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a " verified '' response to the initial CFPB complaint filed with or delete contested items in the initial CFPB complaint Since we know ChexSystems never contacted the FTC to verify the underlying facts alleged in my identity theft affidavit, they fail to disclose the source of their initial " verified ' response, this is noncompliance and negligent with 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 2024-10-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-10-29 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-28 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
This account has been showing on my credit report for over a year and I have been requesting information on who applied for account phone number, payments made, payments schedule, contract, names on account. I have not received one response from them. I started disputing with bureaus and they continue to show verified. When asking for proof and documentation I have not received from company or bureaus. 
This process has been stressful with no help of getting a resolution. I will be contacting the XXXX  and will be looking into legal help. I have tried to do everything in order to clear my name. Not one time have I received a notice or call from this company about any sort of payment, nor do I show them on my bank statements at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: AZ

Complaint narrative:
Subject : Urgent Assistance Needed! 

My sister and I, who live in the XXXX, have a joint account where weve been saving every XXXX left over from our bills for retirement. The only activity in this account has been deposits for years. However, between XX/XX/year>, and XX/XX/year>, there were 34 unauthorized ATM withdrawals from XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, totaling {$18000.00}. I typically dont check this account unless I have money to deposit, which is why I didnt notice the theft sooner. 

Upon discovering these transactions on XX/XX/year>, I immediately contacted the bank. They opened a case but subsequently rejected it. I requested an escalation, but today they informed me that the case is closed and they will not conduct any further investigation. I also filed a police report ; however, my city lacks a police department, so I reported it to the XXXX Department, but I havent received any updates. 

Im feeling overwhelmed, scared, and stressed about this situation. I dont know what to do next, and I cant afford a lawyer ( as suggested by Chase Bank ). I would greatly appreciate any help in recovering my hard-earned money. 

Please let me know if you need any documents or further information. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: VA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly handle my recent credit report dispute. I submitted a dispute via mail to address inaccuracies, providing all requested information to verify my identity. However, Transunion responded, claiming my identity was not verified, delaying the dispute process.

Under the Fair Credit Reporting Act ( FCRA ), Transunion is required to investigate disputes and make necessary corrections in a timely manner ( 15 U.S.C. 1681i ). This delay violates my rights under the FCRA, as I fulfilled all verification requirements.

I request CFPB assistance to ensure Transunion complies with FCRA regulations and promptly resolves my dispute.

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 2024-10-28 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: CA

Complaint narrative:
I have attempted to have the fraudulent information on my credit report resolved for over a year now. I have provided documentation supporting the information is fraudulent and needs to be removed, however, the corrections have still not been fixed on my credit report with XXXX. These items are required to be corrected and/ or removed per Federal law. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXX XXXX XXXX Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I have attempted to have the fraudulent information on my credit report resolved for over a year now. I have provided documentation supporting the information is fraudulent and needs to be removed, however, the corrections have still not been fixed on my credit report with XXXX. These items are required to be corrected and/ or removed per Federal law. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXX XXXX XXXX Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report 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 explanation
Consumer complaint received 2024-10-29 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: IN

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

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 2024-10-29 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: IN

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

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