vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a letter from Wells Fargo claiming an auto loan application was opened under my name. They also requested my credit score from XXXX without my consent. I never opened an auto loan application with Wells Fargo. 

When I called Wells Fargo to investigate what was going on, they wanted all manner of personally identifiable information before they would proceed to answer my questions. I refused to give them my Social Security number, and they said they could not help me. The call ended there.

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 2023-09-14 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: NY

Complaint narrative:
This is not accurate. 
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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information on my credit report

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXXXXXX XXXX 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed. Account Name : XXXX XXXX Original creditor : XXXXXXXX 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.

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 2023-09-14 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: TN

Complaint narrative:
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.

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 2023-09-14 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I first requested in writing to close all my accounts on XX/XX/2023 because i moved to a state ( SC ) where Citibank does not have any branches. They closed the checking accounts but not the 2 XXXX XXXX accounts. I was told to submit another request in writing. I mailed it XX/XX/2023 but after that, only 1 of the accounts was closed. Every month since then, the 1 remaining open savings account incurs a {$25.00} service fee so i call customer service and they reverse the fee and they tell me the account will be closed next month. Today, XX/XX/2023, after the same scenario, I asked to escalate my case and I was with a supervisor who tried to connect to Retail Service Operations while I was on hold. After 1 hour 5 min, my call was picked up by a different agent and when i explained that i was placed on hold, she advised that i call back the regular customer service number. At this point, I need assistance in resolving this since the normal channels are unsuccessful.

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied for a XXXX XXXX XXXX online in response to a promotional offer to earn a big {$500.00} bonus. 

I met all offer terms but have not received the bonus. 

Now, I respectfully demand that US Bank pay the advertised {$500.00} bonus. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to the Bank. 



Sincerely, 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 2023-09-14 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: NY

Complaint narrative:
i have XXXX loan home moergage i Never choose this company but XXXX XXXX Sell my loan to XXXX MORTGAGE these are very unprofeesional Not sending Correct Report to CREDIT BEAURE EVEN MY MONTHLY PAY MENT NOT REPORT last XXXX months my another bank denied to increse my credit line they said you have high mortgage payment not paying on time when i call XXXX  they threaten me even and they said you call them tell them credit beaure Credit beaure said we are not listing customer we listing bank we work for lender not for customer XXXX  SOUND LIKE THEY ARE XXXX for XXXX XXXX they sent report loan moidification but not ask me for escrow payment 1.. please update monthly payment to credit beaure no HIGH Balance and if possible seel my loan to another bank i hate XXXX mortgage name very shamefull peoples well trained to excuse andd threat to customer

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I called Goldman Sachs yesterday about my Apple Card. Even though my default payment is set up for my XXXX  XXXX XXXX card, they still charged the Apple Card for subscriptions without my knowledge or consent. I had deleted the card from my wallet and was completely unaware of any charges. I was never notified in writing or sent a statement. I never received a voicemail, text message, or email. I then discovered they reported me 30 days late over {$14.00}. I am XXXX XXXX XXXX, and have never once had a late charge. They destroyed my credit. I was told they would request amnesty, but there was no guarantee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not accurate. 
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 explanation
Consumer complaint received 2023-09-14 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: Credit Karma, LLC
State: PA

Complaint narrative:
I applied for credit cards and other loans that I was told by Credit Karma that I was already pre-approved for back in XX/XX/XXXX and XX/XX/XXXX. This cause my credit score to take a significant drop and I denied for home, car and even school loans. This affected me mentally to the point I had to seek help from my mental health specialist and I spend years correcting this mistake. I filed complaints with the FTC and the XXXX for these companies who have hard inquires on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Online access changed in the last 6 months. My ID and password will not work. Requested via email to update both, however no email ever was sent. 

Went into the store to make payments. 

XX/XX/23 called the service number to get access for online, but they would not provide unless I give them a cell phone number. I provided a land line but this was not available since a text could not be sent. 

They confirmed who I am based on all pertinent data with date of birth, SS number, and account number. 

No online access was given and no statement or notification has been sent. 

I would love to see how much income was generated from late charges from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Talking to my mortgage banker she showed a collection from I C SYSTEM Opened XXXX For XXXX dollars. Called I C System and they wouldnt disclose debt they asked for debit or credit card number and said it would also cost money to disclose any information This is highly irregular cant dispute debt without debit or credit card info is very suspicious. How can I dispute a claim without giving those numbers is this legal

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 2023-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-14 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account Numbers XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account XXXX XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account Numbers XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
went to apply for a loan and they told me that i already had on when i know i never have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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