vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE REACHED OUT TO EXPERIAN, XXXX, XXXX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL UPGRADE NOW IN COLLECTIONS WITH XXXX XXXX IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A POLICE REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
The issue is that this specific account was opened with BMW Financial Services on XX/XX/2019, as stated on the credit bureaus. I had no prior knowledge of this particular loan because I was unaware another car loan was added to my credit report. This account resulted from identity theft and fraud because I was unaware of this account, a new car, and a new lease being added to my credit report. Plus, I was not the person that got the car. I recently learned about this account, and I contacted BMW to inform them that they're reporting an account on my credit report that I am unaware of. They told me the car is a lease and it was a new lease in 2019, but the car was repossessed, and the account is currently in charge-off. I asked them when and how this loan was opened without my permission because the account is not mine, and they should immediately investigate this. The representative refused to continue talking to me. I requested information about the account, but they refused to provide anything. They claimed that since I'm stating the account is not mine, they are not privileged to share information. However, they continuously report this fraudulent account that resulted from identity theft on my credit report. When I checked, the credit bureau said the loan 's original balance was {$21000.00}. But currently, the loan balance is {$31000.00} and continues to increase. I told BMW continuously and sent them documents with a notarized affidavit that the account was not mine and that such derogatory and fraudulent accounts resulting from identity theft must be removed from the credit report. Bottom line, I want to state that the account is not mine, and they must release this fraudulent account or loan from their record and my credit report because I am not the obligor of this car and this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at the point of giving up. XXXX keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
I did a balance transfer to US bank credit card while back by a paying fee and received the XXXX percent interest offer which is scheduled to expire on XX/XX/XXXX. I never missed any payments and was on schedule to pay the balance off by the scheduled expiration date. However, during the most recent billing statement period I had to pay for something so I charged this very card {$2700.00} on XX/XX/XXXX and because I wanted to avoid paying high interest, I made payment of {$2700.00} on XX/XX/XXXX. This transaction occurred during same billing cycle period so I thought everything was fine. To my surprise, when I received the monthly statement, US bank credited the payment of {$2700.00} towards my balance transfer amount and charged me 20+ % interest fee on the purchase I made on XX/XX/XXXX. When I called the customer service at US bank, they told me any payments I make would go towards paying off any balance with lower interest rates first and there's nothing they can do about it. I think this is kind of unfair business practice because consumer should be given a choice to make payments towards balances from credit cards especially transaction occur within same billing cycle period and balance transfer offer wasn't expired. Hope you can resolve this issue and further create better a policy to protect consumers. 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 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
on XX/XX/2023, someone by the name of XXXX XXXX added themselves as a zelle recepient without my knowledge and used my Wells Fargo zelle service and withdrew the amount of XXXX dollars out of my well fargo account and sent it to theirs. Once this transaction was made, I was contacted immediately by the wells fargo 's fraud detection department. There were also addresses that aren't mine added to my account and some of my wells fargo bank related mail were being sent to those as well. The agent asked if this was an authorized transaction, and I said no and he told me that he would cancel this transaction and send me a link to update my id and password. None of these ended up happening and the transactions were eventaully confirmed. So I contacted wells fargo to submit a fraud claim for this transaction and they also helped me close my current account and create a new one. Within 10 days, I was notified from wells fargo that they deemed this transaction authorized by myself and will not be taking any action.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/2022 I bought a used XXXX thru XXXX XXXX, financed by XXXX XXXX XXXX. I have a hard pull showing for this purchase on the same date by Wells Fargo Dealers. When I reached out to XXXX they said that I need to speak with Wells fargo dealers, and they will remove it, in accordance with the FCRA rules on rate shopping for auto loans. 
I spoke to three different people at wells fargo who all transferred me to someone else. The last gentleman I spoke with gave me a fax number and said that there was no way for Wells Fargo could remove this hard credit check ( violating the FCRA guidelines on rate shopping for auto loans ). 

Please remove this incorrect hard credit check from my report. It has already caused financial damage to me as I was denied by XXXX for a XXXX XXXX XXXX this year due to too many hard credit checks. 
I will be consulting a lawyer, as this issue has drawn out and produced nothing productive from either Wells Fargo or 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 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC.
State: NV

Complaint narrative:
XXXX Email was received from ECMC, who has already been placed under severe restrictions regarding their previous illegal harassment of lendees such as myself They state my acct is 60 days past due with XXXX, even though XXXX has shut down and handed over all loans to XXXX Whats more, your site 's security appears compromised, my password did not work, although when I tried to use it for a new password when starting the password change process, it stated the " old password '' could not be used. 

It stated the password had already been changed, TODAY.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: TN

Complaint narrative:
I Have Been In Dispute For Months, Since XXXX Of XXXX With Chime Bank For Fraudulent Transactions Thats Were Made Onto My Account. For Months I Filed Claim After Claim And Being Constantly Denied Because They Claim To Have To NEEDED A Police Report. The Police Department Wouldn't Release My Report Until The Case Was Closed. After Months Of Trying With No Solution They Finally Released My Police Report And I Was Able To Send It In For Review A Month Ago. THEY STILL DENIED ME! Even When It Clearly States That My Card Was Stolen And They Used My Card To Make Fraudulent Charges! I Had To Order A New Card Immediately After The Incident And This Happened The Day Before My Birthday. When I Made The First Dispute With Chime I Had To Make The Disputes In 2 Separate Claims Because Chime App Only Lets You Dispute 4 Transactions At Once And There Was XXXX Of Them. The First Dispute Was For XXXX Transactions Totaling {$190.00}. The Second Was For XXXX Transactions Totaling {$16.00}. The Transaction For {$16.00} Was Immediately Approved Within The Next 2 Days, But They Have Been Constantly Denying Me My {$190.00} Thats was ALSO APART OF THAT DISPUTE. I Filed Both Disputes The Same Day, One After The Other, So Also Close In Time. They Also Both Had The Same Description As I Just Copied And Pasted It Because They Were Both For The Same Instance. How Shady Does It Look For Them To Approve My {$16.00} Dispute Almost Instantly But Put Me Through XXXX The Last 7 MONTHS FOR THE REST OF MY MONEY. I Have Provided Them With Everything They Have Asked For But They Still Continue To Deny Me Even With The Evidence Right In Their Faces! Im Looking Into Pursuing Legal Action And Suing The Entire Company As A Whole!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pollack & Rosen, P.A.
State: CA

Complaint narrative:
New attempt at collection by 'Pollack and Rosen ' via email of previously resolved debt collection re : XXXX XXXX Email appears to be from a law firm but is not. Letterhead, etc. 
Previous debt collection resolved in my favor re : CFPB XXXX. Previous collection attempts related to goods stolen from me via shipping, ( now ) known dead drop address. New collection attempt after more than a year. Police reports, shipper investigations, ( more ) given to XXXX during previous CFPB filing. XXXX emails regarding 'balance ' on closed account continue. IRS alerted to XXXX false statements regarding income. XXXX agreed was in the wrong, IRS concluded XXXX was in the wrong. XXXX stated 'balance ' claims would stop. Began again after a few months. Now has filed another debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX  Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
There was a promotional offer with this bank issued the store credit card to pay the full amount within one year to avoid getting interest charges. This offer ends on XX/XX/23 I was traveling overseas and as soon I got back I gave the bank a call on the XXXX to process the payment and waive the interest charges in the amount of {$500.00} XXXX which the bank represented agreed to do if the payment is received in full before the charged interests. I could not process the payment on my end since I did not get the correct amount balance prior the charges so I called the bank on Tuesday however the department responsible for processing the payments was closed for the day. Called again today XX/XX/XXXX to process the payment before the interest charges have which I did pay {$730.00} however the bank representative did not honor the interest charges waive agreement and did not even accept to calculate the days I was late to make a payment after the offer expires so I can get only charged for those days not the entire month. Please review and your feedback is highly appreciated!

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