vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: MO

Complaint narrative:
Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. In the fall ( XXXX ), we received a pre-settlement check ( 3 times ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included. At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled. 

*In their final response WellsFargo gave us an update/finalize date of XX/XX/23 stating that we would receive payout of class action and/or contact by that date. It is now XXXX and once again WellsFargo is absent from the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 an inquiry from XXXX XXXX  XXXX appeared on my TransUnion report. Contacted Transunion next day to notify of error or fraud. They told me I would have to submit a written complaint along with a Police Report? File a Police Report? Considering this is an agency in charge of keeping my credit history, which ultimately effects my life, this is totally unacceptable. I also reached out to XXXX XXXX XXXX with no success, you have to have an account to get through to anyone over the phone?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Sometime in XXXX I had applied to XXXX XXXX XXXX XXXX XXXXXXXX XXXX  assistance program because I was unexpectedly put out of work. I selected to deposit the assistance funds into my chime bank XXXX  because I liked the simplicity and technology-inclination this bank appeared to have. 

On one of the days I get this weekly payment deposit, chime randomly closes my account. I tried getting information back then on the matter and trying to get my money back, but their system is ran by bots which are very annoying, so I procrastinated dealing with this. I messaged chime a couple times about the matter every couple of months, but they always had the same bland response by bots. 

At this stage, few days ago, I threaten legal action, and chime finally responds with an actual support person. And their support are claiming I am somehow ineligible for a refund. I keep going back and forth with their support these past few days, and now they also claim they can not verify my identity with provided documentation, but the fact is I have never provided any documents to chime on this matter. This is the first time in 2 years they tangibly respond to me and they have used all types of XXXX and are trying to bully me from my money. 

I have documents from the XXXX XXXXXXXX XXXX XXXX showing that the payments I received were legitimately for me. Chime has not asked me to provide any documents or tried to verify anything with me, but they are insisting on holding my money ( for XXXX  knows what ). I need my money back, the state shows I was eligible for those assistance payments, and believes I got everything but that is not the case. I have not violated any agreements with Chime, and this is very shady behavior by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is from Experian Credit Report I talk to them yesterday trying to resolve the matter and they told me to contact XXXX XXXX to get the collection of my report but as of today they just added a new amount XXXX to the first amount that was sitting in the account since XXXX was {$660.00} I ask XXXX could they investigate for me? I havent heard anything back, but this is my confirmation number from XXXX XXXXXXXX this is affecting my process to move so I paid towards the bill trying to pay off the credit debt and I paid {$170.00} yesterday and it went down to {$450.00} but experian added {$510.00} I understand the fees, but Ive been paying on the fees and I asked yall to step in because the price is constantly keep changing it's under dispute, but nobody has gotten back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have already written XXXX letters and haven't gotten a response I've disputed with the reporting agency numerous of times and still haven't gotten any results.My rights are being violated under Fair Credit Reporting Act law USC s1681 ( a ) ( 2 ) ( i ) ( iii ) USC s1681 ( a ) Section 609a ) 1 ) A ) Section 611 ( a ) 1 ( A ) Section 611 ( 5 ) ( A ) you are required to promptly delete all unverified information by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
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 also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2023 I was scammed where {$1000.00} was taken out of my account in cash app and this was unauthorized. I filed a police report & tried disputing with Chime but they keep saying no error occurred & this is false an error did occur and I did not authorize a {$1000.00} transaction on my card for anything or anyone. I have tried to dispute this twice with chime and they will not come to a resolution with me and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of XXXX XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Speedy Cash employee ( XXXX ) failed to validate the date by producing financial documents and audits of what specie of money they loaned out and what specie of money their requiring to be paid back sense federal reserve notes promissory notes. Theres no law that says debts are owed or that they exist.

Speedy Employee ( s ) failed to admit that any application they produce with only their terms and conditions are in fact fraudulent and are null and void simply because they are adhesion contracts which contains language fraud.

When applications are endorsed by the one whos granting the credits to corporations, employees then take those applications and securitize them only to come back to the grantor whos also the beneficiary of the estate making false and misleading claims that the XXXX XXXX XXXX owes them money. Not only is this fraudulent, deceptive, misleading, unfair, predatory and barbarism but this clearly Violates The Truth in Lending Act. 

Also the companys response not only contains inaccurate information but I have the screenshots of that and screenshot of someone from Speedy Cash texting the phone which is unlawful and harassment. 

Speedy Cash failed to produce the XXXX tax forms they filed under the all caps legal fiction/principle to offset an alleged debt and are uttering and tendering off counterfeit documents which contain necromancy/dog latin/sign language which not only has no jurisdiction with English and can not be read. When these symbols are coupled on paper with English this renders this document as null and void because everythings removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
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 also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
Preferred Credit Account Number XXXX Not only is this account not mine. I have absolutely no acknowledgement of this account. I have also provided you with my identity theft case number. This account is also being re-aged. I've disputed this account with the company and a letter was sent to me which I have provided. At the bottom is a signature ( not mine ) but states the customer may cancel without penalty or obligation if returned within XXXX business days which it was returned apparently within that time period. Not only should this account NOT be on my credit file due to credit theft but since it was returned in the appropriate time frame, there should not be any obligation PERIOD. This account has also been removed from XXXX and XXXX due to the company 's inaccuracies, yet XXXX has failed to do so even after providing proof And the company is refusing to remove it. Please delete it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023, XXXX XXXX Date of XXXX XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX  Date XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had this issue back in 2021. I thought the issue was fixed but it wasnt. One month my balance was {$1100.00} and I made a payment of {$200.00}. The following month I still owed {$1100.00} dollars. 
I told them they continued to be corrupt and they still did nothing about. They have ruined my credit and have been harassing me. Theres over 100 Voicemails. And 1 letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Center, LLC
State: CT

Complaint narrative:
On XXXX XXXX my husband got a phone call from XXXX XXXX with Credit Center LLC. She stated there were several outstanding balances for him and XXXX of our children with XXXX XXXX. He asked if she could send documentation and her response was weve already sent out bills, were not sending them again. She asked for a credit card to pay the balance of f almost {$200.00}. My husband told her he would speak to me to see if these bills had been paid. I then called and spoke to XXXX XXXX. I also asked her to send documentation and was told the same thing. I asked her if she was familiar with FDCPA and asked for a supervisor. Her supervisor, XXXX was unavailable, but she would ask her to call me. I am still waiting for that return phone call. I have not received any bills or documentation from either Credit center LLC or XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
PHYSICIANS AND DENTISTS CREDIT BUREAU , INC. dba P & D COLLECTION SERVICES  did not send me a bill. I had been waiting for it so I could pay it because it never should have gone to collections in the first place ( XXXX  sent balance to collections while we were fighting with our insurance after we were told they would hold the bills for us ). When I finally got a call from a " bill collector '' over a year later they said their company name incoherently so I could not look them up to see if it was a legitimate company. I still called them back and no one answered. Speaking unclearly, and not answering at a collections company are red flags for a scam yet I still left my name and number for them to call me back in case it was this bill I had been waiting for. They called me back multiple times but only while I was working and unable to take a personal call. Even if we'd spoken on the phone, I would not have given them money over the phone, I know not to do that. I never got anything in the mail and XXXX years later they are suing me and asking interest and attorney fees when I never even got an address to send a payment to. A company half a mile down the road from my residence can verify they've returned stolen mail from the homeless encampment behind their business, I have at least the last XXXX years worth of USPS informed delivery emails, and I now have a locking mailbox. So I will say there is a slight chance they sent me something in the window before I started the informed delivery emails but if they didn't send me anything in the last XXXX years, it seems ridiculous that they could charge so much in interest and attorney fees when they wouldn't even pay {$7.00} for a certified letter with a return receipt to ensure I received the bill. How much did it cost them to get an attorney to draw up paperwork and file this with the court and send someone to my house to deliver the complaint and summons? Logically, you should start with spending the least amount to ensure delivery of the bill because this would have been paid XXXX years ago. Also, if I called and left a voicemail, confirming you have the right person and phone number, leave more information when you call and leave another voicemail so I know you are a legitimate company. Validation information. Anything so I know it's not a scam. Give me a website, an amount, the provider name that we owed money to. I genuinely want to pay my bill and I still don't know how.

Company response to consumer: Closed with explanation