vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We have tried multiple means of rectifying this issue with Wells Fargo ( WF ) First with direct contract with them, then hiring an attorney to no avail. Now via this Organization which was assigned complaint XXXX. WF supposedly responded via contacting me, there was no contact between me and them. Again WF is not being totally truthful like they have been with this entire process. Due to fraudulent activities more then {$22000.00} was stolen from our accounts. Again WF is not honoring their proper business practices This is evident because this site has been developed and judges order for them to repay consumers money fraudulently taken from them.

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 2023-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
There is an account on my credit report from Goldman Sachs. I never opened an account with Goldman Sachs. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX  XXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
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 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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I tried to open a new checking 360 account at capital one banks, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in 2020 but i ignored it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that the bank complies with all anti-discrimination laws and regulations. I trust that the institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
When I financing my vehicle with Navy federal, I had purchased XXXX XXXX  In the contract, it says that I cancel the XXXXXXXX XXXX at anytime. So when I traded in my vehicle, I called to cancel the XXXX XXXX, the customer service representative told me that I have only 60 days to cancel the service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX XXXX XXXX  and a XXXX XXXX. I have XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have other XXXX as well. American Credit Acceptance told me that I would not be charged a fee for retrieving my personal items from the vehicle. American Credit Acceptance is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX. XXXX  XXXX XXXX hired XXXX XXXX  XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX XXXX XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable. Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. American Credit Acceptance informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX thousand dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-08-03 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: GA

Complaint narrative:
As I viewed my credit report I noticed an inquiry on TransUnion from a XXXX XXXX XXXX XXXX I have no knowledge of this company. I tried to contact them on XX/XX/23 spoke to a representative that stated he had no record on an inquiry submission. Then the rep hung up the line.

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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 1

5 USC 1681. The letters are stated with items and issues. 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 2023-08-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 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 2023-08-03 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 — Their investigation did not fix an error on your report
Company: American First Finance, Inc.
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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. I am sending this email here because I have exhausted all my other options. I have pleaded with Chase, opened cases, opened disputes and investigations to not availability. I have only been hitting dead ends. 

I am in dire need for someone to help me. On XX/XX/2023 while I was at work in XXXX New York, I had {$37000.00} stolen from my bank account which I never consented. My card was in my possession at the time of this cyber robbery. I took immediate action the second I saw something was wrong. The money was withdrawn in XXXX, New York through ATMS, CHASE BANK & Money Orders at USPS. Additionally even my cellphone was turned off because someone stole my phone number, which prevented me from getting notifications from CHASE. My manager wrote a letter stating I was at work during this time, I also sent this letter as well as my work schedule. I sent all evidence I had to chase and they refuse to return all the money that was stolen from me. 

I attempted to find a financial lawyer, I made a police report and am currently awaiting camera footage for over a month. Its extremely hard to get a lawyer to pay when I have existing expenses that I can not cover because my money was stolen. 

I have been a loyal Chase customer for years and I am appalled at how I am being treated. I am a legal XXXX who is trying to go to school for a better life, I am a woman, I am a human, this was my savings and it is gone. My life is completely destroyed. I am asking for someone to please listen and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-08-03 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: FL

Complaint narrative:
There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-03 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: EdFinancial Services
State: CA

Complaint narrative:
these accounts are paid off in full with perfect payment history. Company has not updated this account status and continues to bill me when its already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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