vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
On XX/XX/ I reached out via written correspondence to XXXX and ReDebt Automated Collections LLC inquiring proper and accurate validation of a collection reporting on my consumer report. XXXX and RentDebt Automated Collections LLC has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received multiple AMEX gift cards as a XXXX gift from work and they are not accepted by any retailers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Ever since I received an American Express gift card for XXXX I havent been able to use it. Every time I try to buy something, it says that the card has declined or has expired. But, when I check the website it says that my card is active and my {$25.00} is still on the card. Ive done research on these Amex gift cards and saw that many others were having the same issue and most time when they call customer support, they cant understand what theyre saying or theyre straight up told that it isnt the companys fault and theres nothing that can be done. Which is one of my main reasons why I havent called support since most everyones complaints about their service is the same. I just would like my money that was gifted to me. I know its only {$25.00} but the whole point if a gift card is that youre supposed to buy the things that you want when the gifter doesnt know what to get you. If you could help thatd be nice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Protection Agency regarding a denied chargeback from Chase Bank. The incident in question occurred on XX/XX/2023, with a transaction involving XXXX with a posting date of the same day, and an amount of {$150.00}. 
The issue arose when the company XXXX XXXX  failed to provide the expected car rental service, leaving me stranded without a vehicle. To cope with the situation, I had to resort to renting a car from another company, incurring additional transportation expenses to reach an alternative rental agency. 
Upon contacting Chase Bank to correct the incorrectly denied chargeback for the transaction, the representative was unhelpful and, instead of addressing the issue adequately, offered a mere {$100.00} credit. This resolution is inadequate given the circumstances, as it neither covers the full expense incurred nor addresses the inconvenience and distress caused by XXXX XXXX  failure to fulfill their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Im paying more than the monthly payment but I dont see too much difference, maybe theres some hidden fees. I been in this 3 years something not adding up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. 

JPMCB Auto Finance ( Bank ) XX/XX/ JPMCB Auto Finance ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
i'am a victim of identity theft. please remove these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have two American express gift cards for {$100.00} each that I've tried using online at several different online stores and it will not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with the Bureau about BOA credit card services ( Case # XXXX ). I am writing to express my deep dissatisfaction and frustration regarding the handling of my recent claim by a BOA representative named XXXX. 

XXXX from BOA reached out to me regarding my claim, assuring me not to worry about the interests incurred during the investigation. However, to my dismay, I have been charged at least {$130.00} by BOA, and I am concerned about additional charges that may have accrued during this month. Despite my multiple attempts to contact BOA through emails and calls, I have not received any response. 

The involvement of the Bureau has, unfortunately, had a negative impact on my case. The interests incurred have not been addressed as promised by XXXX, and it seems that BOA is prioritizing support for the vendor that went bankrupt over a loyal customer of over 30 years. 

I urge you to thoroughly investigate this claim and take immediate action to reverse the interest charges. It is disheartening to see such a lack of responsiveness from BOA, especially when dealing with a matter that directly affects a long-standing customer. I request your prompt attention to this issue so that I can proceed with closing all my BOA accounts. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-19 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: PA

Complaint narrative:
Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/2023. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from Equifax, XXXX, and XXXX. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Has Violated My Consumer Rights as A Natural Consumer 3rd Notice XX/XX/year> Notice to agent is notice to principle Notice to principle is Notice to Agent Applications to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Credit Card '' 15 USC 1602 ( 1 ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. ) Each violation of Title 15 of the United States Code is {$1000.00}. I the consumer and natural person have the right to invoice ( Wells Fargo Bank for their unlawful acts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attention CEO, XXXX Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Adverse Action Dear, Wells Fargo The consumer and natural person, was denied credit, By Wells Fargo Bank NONE when I applied for credit card for XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in IS US.C 169lc and is pursuant to civil liability under 15 USC 1692K You are subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by Wells Fargo due to the response I received Wells Fargo is in violation of 15 Us Code 1642 USC1681m and 12 CFR 1002 because | the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ] was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card on the behalf of Wells Fargo Bank if Wells Fargo Bank falls to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Wells Fargo Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681m and 15 USC 1681. I will also follow up with an invoice for said violations {$1000.00} per violation. 
Thank you, XXXX, XXXX, XXXX ( Agent/Beneficiary ) XXXX Without Prejudice, All Natural Inalienable Rights

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 2024-01-19 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-19 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:
Equifax refuses to remove the account of which I am a authorized user from my credit report even though I have disputed this many times now. I have had no issues with removing this erroneous information from my other credit reports but Equifax just will not remove it. I have tried multiple times to communicate with both Equifax and XXXX but both give me the run around and nothing gets accomplished but me starting over at square one. 

XXXX should remove me as a authorized user, the card has been closed for XXXX years and I have provided them with all the information to do such, but they instead have given me multiple numbers to call, often which are automated and do not recognize me at all, they have given me their collections department number as a 'solution '. Every month they report the account to my credit report, but only Equifax reports the bad information. They sent me a letter in the mail stating to call a number to have myself removed but the customer service can't find me in the system? But they can report it every month? Doesn't make sense. 

Equifax, I have disputed this pretty much weekly at this point. They do not respect the Fair Credit Reporting act, which I believe is supposed to make sure my credit report reflects my debts and credits accurately. I have told them multiple times I am not responsible for the debt and they can see it's a authorized user account but they keep reporting it and it's effecting my ability to work with lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH XXXX XXXX AND/OR XXXX XXXX XXXX. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX & VPN ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO EXPERIAN, XXXX, XXXX, XXXXXXXX XXXX, AND ALL OTHERS

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, and XXXX are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My car was impounded multiple times due to the bank applying multiple overdraft fees which caused my account to be negative when planned/auto payments were already made. I paid repossession departments, towing yards and other fees that could've been avoided if the bank did not make multiple overdraft fees in my account. 
I paid over {$1400.00} plus extra {$300.00} for gate fees to get possession of my vehicle due to bank errors 3-4 times. This would have been in XXXX timeframe. The total cost of was near 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 2024-01-19 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: FL

Complaint narrative:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!

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 2024-01-19 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:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!

Company response to consumer: Closed with non-monetary relief