vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I used to bank with Wells Fargo from about XXXX until XXXX when they decided to close my account. Last year with them I noticed several fraudulent transactions on my Wells Fargo checking account that I disputed with them. I believe it totaled {$12000.00} if I am not mistaken and the Wells Fargo claim number was XXXX. I do not know why they chose this case against me as they never explained and then after all this they decided to close my account and also overdraft it. I was not going to put any money back into this account as I did not trust Wells Fargo anymore. They do a lot of shady business as you can google it and look at their shady practices. But also they put me out over {$12000.00}. I fell into a deep XXXX over this and here we are almost one year later finally getting over this after a lot of professional help and now able to revisit this case. Bottom line I WANT MY MONEY BACK. I busted my tail end for that money just for it not to be protected or wiped from my account and my old bank not even willing or wanting to do anything about it. Plain and simple.. they just dont care. It takes me a couple months of busting my behind to earn that money. And all Wells Fargo did was turn their shoulder to my claim. I want my case to be looked at by someone who knows what they are doing in that company and someone who values a human and his hard work. What happened to being FDIC insured. Im going to fight for this money if I have to. You guys can reach me at XXXX or at XXXX. I want my XXXX money back. I will not let big corporate bully me anymore. Its been almost one year of battling my inner demons because of this but I can finally stick up for myself once again. I will not let you guys bully me. DO YOUR DUE DILIGENCE AND PUT IN WORK INTO MY CASE WELLS FARGO

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I'm writing with a complaint about what I believe to be a predatory practice. As seen in the screenshot included, Chase is pressuring customers into setting up payment plans. There's no " x '' in the top right corner to remove the pop up. The first few times I saw this, despite never wanting to set up a payment plan, I thought you had to click " get started '' to get out of it. Instead, the button to skip for now is hidden underneath, and customers have to know to scroll down to find that option. This notification is predatory and attempts to force the customer 's hand, and has popped up repeatedly for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I purchased a vehicle in XXXX XXXX, Louisiana XX/XX/XXXX and recently reviewed the contract. The contract has my name spelled wrong, and according to Louisiana Law I was supposed to pay {$15.00} for notary fee and {$35.00} for processing. However I noted I was charged {$30.00} for notary fees and {$120.00}, my down payment of {$2500.00} was added to the cost of the car and should have been subtracted. The actual cost of the car {$16000.00} would almost double after payments were completed to $ XXXX a XXXX XXXX XXXX with XXXX miles. 
I did not authorize GAP insurance and the entire contract was signed with an electronic signature which I believe was added after I left the dealership. According to the contract I have the interest rate was negotiable, the vehicle has a GPS tracker and cant be resold/traded. 
The contract was given to XXXX XXXX by the dealership, with incorrect information. XXXX XXXX has not reported correct information to the credit reporting bureaus and tried to repo the vehicle without written notification required by the state of Louisiana. I have been harassed by XXXX XXXX by daily multiple calls from different numbers, some using my local area code. After reviewing the contract I believe there were deceptive actions, false information on the contract and miscalculations of the down payment/state fees.

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 2024-04-15 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX keeps responding that I am making frivolous complaints against them but fail to address specific concerns raised. Is the promissory note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. XXXX XXXX doing business as XXXX is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If XXXX XXXX is not engaged in securities fraud how were they able to transfer the note and hire Mr Cooper as the servicer which they pay them a fee just to collect payments and make phone calls to its customers but they do NOT have the note because it was already deposited so it could be paid out. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and XXXX XXXX accounts numbers. If XXXX XXXX would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & XXXX involved to track their activities involving securities since what Im stating is untrue. If you reply back that I am incorrect again this is exactly what I will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XX/XX/2024 i went out with some friends to a dinner place and everyone at the table split the bill i had card and wanted my portion to be paid with the card however it was an error where they charged my card for XXXX instead of a XXXX dollars. I called the establishment several times and spoke to different person receiving the run around saying a XXXX will call me back. 
I ended up calling M & T and asked to speak to a dispute team and they dont have one. 
M & T regular customer service representative said she filed a dispute. I ended up receiving something in the mail to provide proof i sent them the full detail receipt and everything. I called M & T to make sure they received my correspondence they said they didnt receive anything and the dispute was gon na be closed because they didnt receive anything. 
I then told them it was impossible because i mailed it right back. Ill give them another week to update their records. I then called back roughly XXXX business days after to ask did they receive correspondence and the representative put me on hold and said they did receive it. I informed her when was M & T was gon na inform me of that because when i just called the representative said yall never had it. 
She replied very rudely and said well its closed now and we wont be reopening the case whoever owe you needs to pay you. 
I simply replied excuse me? Nobody owes me but the restaurant and i tried to resolve it with the restaurant but no one will return my call.

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 2024-04-15 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: TX

Complaint narrative:
Beginning XX/XX/XXXX, I have observed unauthorized credit inquiries on my report, prompting me to implement protective measures to safeguard my financial integrity. Initially, I froze my accounts across all credit bureaus and activated fraud alerts ; however, these measures also inadvertently hindered my ability to apply for new credit. Believing the issue resolved after an extended period, I lifted these restrictions, only to discover further inexplicable credit alerts in XXXX and XXXX. Consequently, I have reinstated a fraud alert and am now compiling this police report to document the unauthorized inquiries from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to thereby ensuring comprehensive measures are in place to thwart any prospective security violations. 
The most recent legitimate credit check I initiated occurred in XX/XX/XXXX during the acquisition of a vehicle from XXXX XXXX ; after this event, I have encountered credit inquiries from companies with which I have no affiliation nor awareness. I am earnestly requesting the expungement of all spurious inquiries from my credit report. 

The fraudulent inquiries are : - 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 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 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX XXXX on XX/XX/22 XXXX, at XXXXXXXX XXXX XXXXXXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX XXXX on XX/XX/year> XXXX, at XXXX XXXX  XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-15 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern and frustration regarding the unresolved issue of unauthorized inquiry that persists on my credit report. Despite my initial attempt to rectify this matter, the lack of action on your end is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our property has a loan with MR. Cooper ( policy # XXXX ). We discovered that Mr Cooper had been charging us for insurance when we already had insurance on our property. We called Mr. Cooper and were informed to upload our proof of insurance to the mycoverage.com/mrcooper site. After doing so we received a refund for XXXX. However, we were also charged in XXXX. I called Mr Cooper on XX/XX/XXXX and was told the refund was going to be processed and it would take 3-5 business days before a check would be sent to my address. Nothing arrived. I called on XX/XX/XXXX and spoke with XXXX. She told me she escalated it to a XXXX XXXX XXXXXXXX and it would be resolved in 7-10 days. She told me the amount I should expect to be refunded was {$830.00}. A check was never sent. I have attempted to contact Mr Cooper since, however I can not get a live person on the phone.

Company response to consumer: Closed with explanation