vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my truck was repossessed. Called the loaning bank and they gave me 12 hours to come up with a payment of XXXX XXXX This was the following day XX/XX/XXXX. I could not come up with the funds. That same day I called later 10 minutes before my 12 hour deadline. They had locked me out of my account and stated that I could do nothing until the vehicle had been processed, and would receive a statement in the mail. I am to wait for that mail. I am at the end of my loan. Only owe XXXX on the remainder of a ballpark XXXX $ loan. I am now struggling to get to work that I desperately need be at to make money as I am an XXXX XXXXXXXX.

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused 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 2024-07-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused 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 explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I was supposed to get certificates of deposits for my birthday but so far haven't from XXXX XXXX XXXXXXXX. 

XXXXDK who, but they claimed they worked for XXXX XXXX police department and stole my social security number. They said their name was XXXX. 

On XX/XX/XXXX, on my email, XXXX, XXXX stole my credit. 

My XXXX  account was illegally/unlawfully moved to XXXX XXXX , the airforce is involved with this I presume and early warning services. I still have yet to opt out of early warning services who've falsified my business records. I want to settle with these companies. I've had a DoD employee named " XXXX XXXX, don't know his last name at XXXX XXXX XXXX  stock me. 

All Rights and Immunities Reserved except for the bad ones. Please but a hold on my account/number and all emails until this gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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 am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission concerning this fraudulent account, and as a result, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account and they has confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates these obligation but also exposes me to further harm. 
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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-19 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: TX

Complaint narrative:
Date XXXX XXXX Re : Account XXXX XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & amp ; Transunion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

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 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have called multiple times and requested that I be removed from my ex-wifes Fidelity Rewards Visa account and to stop emailing me statements and other account-related correspondence. Fidelity says I do not have authority to remove my email address from someone elses account. I have pointed out that because it is not my account, Fidelity should not be sending me any account-specific emails, in the first place. Fidelity refuses to do anything about it. I do not want to see my ex-wifes information and would like Fidelity to stop sending me any information for accounts that are not mine. I can not simply block Fidelity, however, because I also have my own accounts with Fidelity and I do need to receive emails regarding those 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 2024-07-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I refinanced my loan in XXXX with Wells Fargo Mortgage, the refinancing amount was {$60000.00} dollars, the refinance fee should have been {$3000.00} but I was charged {$6000.00} dollars. At the beginning of the loan I paid an extra {$200.00} dollars toward the principal of this loan making the principal {$500.00} per month, 2 years ago I added another {$200.00} dollars toward the principal, making my principal payment {$700.00} dollars, the money paid toward this mortgage does not add up and when I tried to get Wells Fargo to explain why I have been paying this mortgage on time, never late and paying extra on this 15 year loan, why it is paid up. I was informed it should be paid up in XXXX before I added the extra {$200.00} dollars but I am still paying on this loan. I am a XXXX  Citizens and I know I am being defrauded by Wells Fargo and I need help in getting them to close out this over-paid mortgage.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> - XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran several credit checks to make sure they found me the right lender. Please delete the following uncomfirm inquiries due to lacking certiable evidence unless physically certified verified proof is being demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. Thank you! 

Inquires : 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 explanation
Consumer complaint received 2024-07-19 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-19 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: NY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was coerced by a scammer to apply for a personal loan from DCU. The entire money was wired to the scammer. I filed a report with fbi as i was duped. I called the bank and informed that this a bad loan. But they are refusing to remove my name as the primary borrower,

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 2024-07-19 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: CA

Complaint narrative:
I have three separate American Express gift cards each for {$50.00}. I tried to reload my XXXX gift card balance with these gift cards but kept getting denied. I called XXXX and they said it was on AMEX 's end because AMEX was trying to do 2 temp charges of XXXX cents each and since the reload was for {$50.00}, the transaction was getting denied since I only had {$49.00} available on the card. I reached out to AMEX and did indeed see that I only have {$49.00} available on the card. So I ended up using {$49.00} ( since I couldn't purchase anything with a decimal e.g., {$49.00} ) and it worked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX I was supposed to get certificates of deposits for my birthday but so far haven't from Bank of America. 

IDK who, but they claimed they worked for XXXX XXXX police department and stole my social security number. They said their name was XXXX. 

On XX/XX/XXXX, on my email, XXXX, XXXX stole my credit. 

My XXXX account was illegally/unlawfully moved to XXXX XXXX XXXX the airforce is involved with this I presume and early warning services. I still have yet to opt out of XXXX XXXX XXXX who've falsified my business records. I want to settle with these companies. I've had a DoD employee named " XXXX XXXX, don't know his last name at pines planes library stock me. 

All Rights and Immunities Reserved except for the bad ones. Please but a hold on my account/number and all emails until this gets resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2034, I decided to apply and open a Chase checking account at this specific branch. On today, XX/XX/2024, I went into the branch to discuss opening a credit card and another checking account. While speaking to a branch representative, whose name is XXXX XXXX XXXX, I discovered there was already a fraudulent credit card opened in my name! As well as another checking account. Called in with this rep to the CHASE CREDIT CARD department and was able to get that situation resolved. Further on we discussed me closing the account that I did not open and re numbering my account number. We proceeded with that process. Fast forward, Im out running errands and tried to make a few transactions only for every single transaction action being declined. I decided the call the CHASE CUSTOMER SERVICE to figure out whats going on. Literally after speaking with at least 4-5 different people, excluding the ones I didnt directly talk to, I was told that my account was restricted for 24-48 hours because of the re numbering and/or the balance transfer : I WAS NOT INFORMED THAT THERE WOULD BE A HOLD ON MY ACCOUNT. So I am left without access to my funds. This is not the first nor second time that this specific Chase branch worker has MISINFORMED me on information. First, when I initially opened the account she said she would expedite my card and waive the {$5.00} fee. Didnt get an actually card until 30 days later. Card was never expedited via the Chase call center. Second, she told me the day I set up the account I would be able to use my digital wallet until the new card came. LIE. TOOK A WEEK. I complained on this specific locations XXXX review also filed a complaint by another representative via the Chase call center. She needs to be immediately handled. Its too many incidents of NOT telling the truth with this person. Thats multiple incidents from just ME. She is wrong. I am visiting a branch tomorrow to file a formal complaint as well as a CFCB complaint. Now I have to walk around for 24 hours with no access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We were victims of identity theft, and fraudulent charges were placed on our credit card. 

We contacted Chase about the fraudulent charges and closed the card. 

Chase Bank ( Chase Freedom Card ) removed most of the fraudulent charges, but the reposted one charge. I believe it was because the merchant pushed back. The charge was {$130.00} from a Laundry equipment company. 

We also filed a police report with the local Police Department. 

Chase told us we had to talk to the merchant with which we had no relationship. Chase 's agent requested more PII from us to send the merchant which were were not willing to share as we have no relationship with this merchant. We have no recourse via Chase to resolve this fraud. 

We have since tried many time to call and work with Chase to remove fraudulent the charge to no avail. The prior CFBP complaint yielded no additional investigation from Chase. 

We have been a good customer with Chase for decades, and used them for most of our credit card purchases and always pay our bill on time. 

Chase has not offered the arbitration designated in their card member agreement. 

We kindly request the the CFPB to include our calls with Chase in their next audit exam.

Company response to consumer: Closed with explanation