vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Its upsetting to know that my rights as a consumer are being disregarded. Like everyone, I place a high value on my credit score, and the errors on my credit report have harmed both my financial opportunities and my mental well-being. Ive been working to resolve these issues for some time, but my requests to correct the inaccuracies in my credit report have repeatedly been ignored or dismissed.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received what appeared to be a letter from chase about a recent credit card application being denied for potential fraud. I called the number on letter and Input my social in automated system. Lady confirmed my address and name and said she would send text to my phone. Claimed wasnt working and shed call me back. She did not so it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft, and Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reinserting a XXXX XXXXXXXX account ( XXXX ) into my consumer report without proper notification, as required by FCRA section 611 ( a ) ( XXXX ) ( B ). This reinsertion occurred despite my prior disputes and without the mandated notification, within XXXX business days, directly impacting my credit score and financial standing. This account was reported without my authorization and falls under the FCRA 's exclusion provision for identity theft, also violating the permissible purpose clause. This exposes your agency to civil liability of {$1000.00} for willful non-compliance. I demand that Equifax immediately delete this account from my consumer report in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
Please remove all unauthorized hard inquiries from my credit report, as they harm my score and violate 15 USC 16c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
Wells fargo Fraud Claim Case # XXXX Dear Sir or Madam : I am writing to dispute fraudulent XXXX charges on my account in the amounts of {$5000.00} and {$5000.00} ( totalling {$10000.00} ), and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make these charges. On XX/XX/XXXX I called WellsFargo XXXXraud department and was told my claim was denied and closed. I am requesting this case to be reopened to provide further evidence. Police have been contacted, report to follow. Statement included on Identity Theft Report below. Furthermore, I request that you remove the fraudulent charges and any related finance charges and other charges from my account, send me an updated and accurate statement. on XX/XX/XXXX, I received text notifications from a wells fargo phone number that 2 recipients were added to my wells fargo XXXX account. i checked my account and they were indeed added. within seconds i received a call from a person claiming to be wells fargo fraud dept asking if i initiated transfer to these 2 individuals. i said no, they sent me a texting asking to verify my identity. i provided them the code in text. They said the charges are pending and would be returned by monday. They processed XX/XX/XXXX in a total of $ XXXX. i called wells fargo directly at this time. They denied contacting me friday. I also received a text asking if i was togging in from XXXX texas. i also received notice that my data was leaked in the change healthcare breach on XXXX. On XX/XX/XXXX wells fargo denied my fraud claim ... .See attachment for full text. 

on XX/XX/XXXX I received report that this case was closed and wells fargo not only refused to provide a copy of the investigative report. Wells fargo is currently under investigation by XXXX XXXX for their refusal to return funds stolen viXXXX XXXX I will continue to seek legal action. They closed the case immediately despite pending police reports and refuse to provide a copy of the investigative report. They also immediately closed case and told me that it will not be reopened no matter what evidence I present because it is XXXX related and they do not have to reimburse XXXX. I am shocked by this and will continue to fight for myself and others being affected by wellls fargo fraudulent business practices.

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 2024-10-25 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter of dispute to XXXX and called the phone number ( XXXX ) XXXX as given to me by one of their employees at the phone number I called which was ( XXXX ) XXXX. XXXX has not responded to my request. 

The following is a summary of what I sent to XXXX and have not received a response. I have never been late on any of my accounts. 



I am writing to dispute an inaccurate late payment on my credit report for the XXXX account, account number XXXX. The reported late payment is incorrect and needs to be removed. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act, I request that this inaccurate late payment be investigated and corrected. Below are the relevant details : Creditor : XXXX  Account Number : XXXX Date of alleged late payment : XXXXXXXX XXXX  Please investigate this matter, remove the inaccurate information, and send me written confirmation once the issue has been resolved. I also request an updated copy of my credit report reflecting this change. 

in addition, I did not at anytime give the following companies permission to look at my credit report nor did I apply for credit with them and I want the unauthorized inquiries removed. 

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 explanation
Consumer complaint received 2024-10-25 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2024-10-25 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
On Friday, XX/XX/year> at XXXX am XXXX, I spoke with the representative from XXXX who was repossessing my vehicle. I provided the representative with the key and asked what next steps I needed to take - I was told I needed to contact the finance company. 

On Friday, XX/XX/year> at XXXX am XXXX, I spoke with XXXX ( sp? ) and asked what I needed to pay to get my vehicle back. She stated that the decision can take some time and to call back in a couple of hours to see if there was an update. She advised me that the vehicle could go to the auction lot but that I had until XX/XX/year> to make whatever payments were needed. She stated that I should not make a payment online and that when I was provided the amount the payment would need to be in certified funds. She also provided me with the contact information for the lot where my car was taken. 

On Friday, XX/XX/year> at XXXX pm XXXX, I spoke with XXXX XXXX sp? ) and let her know that I was told to call back in a couple of hours. I let her know that I spoke with XXXX and I needed to see what I needed to do to get my car back. She let me know it was just after XXXX pm XXXX and to give it a little more time. During the call, XXXX asked why I fell behind, I let her know that I had some financial troubles in XXXX and I have mental health problems, leading me to forget to make the payments again. She questioned the length of time between the payments ( " You weren't able to make a payment since XXXX? " ), as well as my ability to make the payments ( not verbatim - " I don't mean to be cruel... but are you going to be able to make the monthly payments? " ). While XXXX allegedly sent a message to the supervisors, she also stated that they are open tomorrow until XXXX pm XXXX. 

On Friday, XX/XX/year> at XXXX pm XXXX, I spoke with XXXX XXXX sp? ) and let her know that I was looking for an update as this is my third time calling. After being on the phone for just a moment with XXXX, she stated that she needed to " check somewhere else because [ she was ] still not seeing an update. '' She confirmed that she heard XXXX speaking with me and that she had sent an email to the supervisors, but that there was not an update. I asked when I could expect an update as I called this morning and was told to call back in a couple of hours by XXXX and then told to give it a little more time by XXXX. XXXX advised that it can generally take between XXXX hours to receive a decision, but they hope to have a response sooner and she believes that is what XXXX was trying to do earlier. XXXX then advised me that ( the supervisors ) were " not in over the weekend but please call back on Monday and hopefully [ they ] will have a decision by then. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with 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 explanation
Consumer complaint received 2024-10-25 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-10-25 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-10-25 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: CA

Complaint narrative:
Its upsetting to know that my rights as a consumer are being disregarded. Like everyone, I place a high value on my credit score, and the errors on my credit report have harmed both my financial opportunities and my mental well-being. Ive been working to resolve these issues for some time, but my requests to correct the inaccuracies in my credit report have repeatedly been ignored or dismissed.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with 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 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized hard inquiries are damaging my credit, violating 15 USC XXXX. Kindly remove 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 non-monetary relief
Consumer complaint received 2024-10-25 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2024-10-25 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: DISCOVER BANK
State: OK

Complaint narrative:
On XX/XX/year>, I signed up for what I believed to be a free account with XXXX through their XXXX plugin, which was promoted as offering basic features at no cost. As part of the signup process, I was required to enter my credit card information. The request for a credit card was described as a verification measure to prevent spam, not as part of any paid trial or auto-upgrade plan. There was no clear disclosure that I was agreeing to future charges or upgrades. 

On XX/XX/year>, XXXX charged my credit card {$290.00} without any prior notice or confirmation. I did not notice the charge until XX/XX/year> when I reviewed my Discover account. This charge was unexpected, as I believed I had signed up only for a free account, not a trial or paid service. I was never informed during the signup process about any XXXX trial or auto-upgrade plan. This unexpected charge has caused significant financial hardship. 

I disputed the charge with Discover, submitting screenshots that reflected the sign-up process I encountered, showing that XXXX advertised their service as free. However, Discover ruled in XXXX favor, stating that I signed up for a trial plan and failed to cancel within the required timeframe. This does not align with my experience, and I also discovered discrepancies in the evidence provided by XXXX. 

XXXX claims that I purchased on XX/XX/year>, with a charge applied on XX/XX/XXXX. However, I have documentation showing that I initially signed up on XX/XX/year>, and the charge was processed on XXXX XXXX XXXX days after signup, without any notice or consent. 
The terms XXXX submitted as part of Discovers investigation appear different from what I initially saw during my signup process. Specifically, I was not notified about any auto-upgrade plan or XXXX trial, and the signup page XXXX now shows differs from what I encountered during my signup on XX/XX/XXXX. 
Despite these discrepancies in dates and terms, Discover dismissed my case and sided with the merchant without allowing me to provide further context or evidence.

Company response to consumer: Closed with explanation