vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with the annual fee associated with Best Buy despite my previous attempts to close the account. As a loyal customer of Best Buy, I have been shopping member of the community for many years, and I have recently discovered that the annual fee for this service has become a significant concern for me. 

Last year, in XX/XX/year>, After paying the annual fee, I reached out to Best Buy to close my account for Best Buy because I lost the card and no longer used it. Despite my explicit request, the account was not closed, and I continued to receive communication and charges related to the annual fee a year later. This situation is particularly frustrating as I made every effort to discontinue the service well in advance, yet the account closure was not processed as requested. 

Furthermore, I want to emphasize that I refuse to pay this year 's annual fee because I no longer possess the card associated with the account and have not utilized any of the benefits associated with the program for many years now hence why I called to cancel the account in the first place. 

Despite my efforts to resolve this matter, including phone calls to the company, I have not received adequate assistance or been offered any fair resolutions. The lack of responsiveness from Best Buy only exacerbates the frustration and hardship caused by this ongoing issue. 

The negligence of Best Buy 's employees in failing to close my account has led to a cascade of negative consequences for me. Late fees have accumulated due to charges for services I did not utilize or wish to continue, and my credit score has suffered significantly as a result. This situation is wholly unacceptable and has caused undue financial and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
all items reported on my credit report are listed incorrectly. I'm looking to delete and remove the invalid items to help clear my file. this has been hindering my report. please review and remove asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I, sent certified mail to the following addresses listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX As well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as most recent transaction was accepted and then rejected on XX/XX/XXXX. 
While also receiving a call from collection representative stating I am 23 days late on my payment. 

The amount I was charged was XXXX XXXX for a used vehicle and I am the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/XXXX to current my payments missing are {$4000.00} Ally has taken from my bank money through their XXXX party processor XXXX car payments and not posted them. They tell you call XXXX and XXXX says they Ally are stealing money and not posting. Also they charged me wrong interest rate. Late fees they changed due date they began charging late fees without permission my due date is as contracted on original XX/XX/XXXX due date plus 10 day grace. I have asked them numerous times to apply my money I sent bank statements to XXXX address and no correction yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Comenitycapital/Floo XXXXXXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Capital XXXX XXXXXXXXXXXX Balance : {$6200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX # XXXX, XXXX, LA XXXX Comenitycapital/Floo XXXXXXXXXXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX Plus/Everett XXXX XX/XX/year> Credit Plus XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX  REPORT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TN

Complaint narrative:
Per XXXX XXXX XXXX ( XXXX ) ( d ) : if an investigation finds incompleteness or inaccuracies, the furnisher shall notify the other credit reporting agencies. This inaccurate and invalidated and illegitimate account was deleted by XXXX  due to these reasons and XXXX and Transunion were to be notified yet Transunion and XXXX are still furnishing it. Transunion and XXXX are neglecting to comply with the FCRA and continue to allow erroneous information to persist on my credit report. This is a clear violation of Section XXXX of the FCRA. They have caused inconsistencies that can is harming my financial well being. This is also a violation of XXXX XXXX XXXX. DELETE this inacurate, unverifiable, and illegitimate account from my credit profiles on XXXX and Transunion. 
SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: TX

Complaint narrative:
I simply wanted to speak with someone about what the process of me returning the item I took a small loan for would be and if that money would be returned to them so I wouldn't habe to worry about paying it back. I was told by the XXXX customer service that department only communicates via email and to wait for their response but couldn't be given a timeframe of when that response would be and I think that given the urgency that type of communication could require at times would call for some other means of back and forth besides emails which could take days to get something resolved when every minute counts. It seems like a set up for failure and something should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/2024. My debit card was stolen without my knowledge at a bar. It was then used to charge to an unknown company for {$1400.00}. It was then used again, charging me {$110.00}. To a company called XXXX XXXX XXXX. The person then charged my card to a seperate company soon after. Company named XXXX XXXX XXXX for XXXX amount of {$680.00}. This was not to my knowledge until I checked my account and DID NOT AUTHORIZE the transactions Wells Fargo messaged me about. I filed a claim about it immediately after. The claim had ended on XX/XX/2024 determining that an error did not occur and have sent me a letter in the mail with additional information about their findings. Now I am being overdrafted with absolutely no money in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Per XXXX XXXX XXXX ( XXXX ) ( d ) : if an investigation finds incompleteness or inaccuracies, the furnisher shall notify the other credit reporting agencies. This inaccurate and invalidated and illegitimate account was deleted by experian due to these reasons and Equifax and XXXX were to be notified yet XXXX and Equifax are still furnishing it. XXXX and Equifax are neglecting to comply with the FCRA and continue to allow erroneous information to persist on my credit report. This is a clear violation of Section XXXX of the FCRA. They have caused inconsistencies that can is harming my financial well being. This is also a violation of XXXX XXXX XXXX. DELETE this inacurate, unverifiable, and illegitimate account from my credit profiles on Equifax and XXXX. 
SEE ATTACHED LETTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I got a american express business card specifically for the no interest for the first 12 months. I setup on auto with a rep over the phone. I was informed a few days later that I still needed to make the XXXX payment so I setup the auto payment AGAIN. I am now finding out that I am being charged all the interest for the XXXX 12 months of interest fees which totals to over {$2500.00}. I told them that XXXX setup the auto pay and they said theres nothing they can do. I got this card and planned to pay it off and pay off the balance every month for years to come.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX  has an account at Chase bank and is my over seer I received and large check and do not have a bank account. He was told that there wouldnt be a problem him putting my check into his account as long as I endorse it over to him XXXX different tellers told us the same mind you he has this account for 10 years now. Chase bank cashed the check and would NOT release the funds until they could verify me through there system with my phone number they placed his account under restrictions until my phone would pass there verification coming back as me being the registered owner even though I have all documents proving this they have closed his account and will not refund the fund back holding it in XXXX Chase bank XXXX  I want my funds or I want them to wire the moneys back to the writer of the check REFUNDED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed copy ofmy credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX  XXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXXXXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX  XXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXXXXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On my Experian credit report, I noticed a derogatory mark. I actually have two but this is the first one. 
On my Experian report It shows a debt for {$1400.00} Listed under medical payment data and under that is says NotsatisfyingF20-Trade. Opened XXXX XX/XX/XXXX closed XX/XX/XXXX This have been reporting on my credit report monthly. It's even got a fake payment history as if I was paying. I do not know what this is. 

On my XXXX credit report, the same debt {$1400.00} under XXXX XXXX XXXX. 
This one has an account number XXXX  date opened XXXX XXXX XXXX This is all just false information. 

I need these things removed from my credit report immediately and permanently. 
This is a fraudulent account. 

I have not been given a chance to dispute account according to12-CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5 2 ( 7 ) ( A )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: NJ

Complaint narrative:
This company keeps sending me this email saying I owe XXXX XXXX XXXX. I havent used XXXX in years so I called them they cant find that I owe them anything at all! I called this supposed company and told them that and they wont allow me to even know the amount of debt without giving an address. Clearly they did not have that info as I received zero in the mail and nothing on credit report about this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After viewing my credit report. The following accounts listed below are not mine. Please remove these accounts reporting to my Experian credit profile. 

XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXXt Account Type : Collection Date : XX/XX/XXXX Balance : {$350.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX  Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} XXXX. Please remove this account from my credit report XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$460.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$100.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : 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