vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I was in need to quick cash and came across One Main Financial which seemed like a good idea at the moment but they took advantage of my needs. My car is worth about {$4000.00} XXXX  and they gave me a loan of {$200000.00}. Interests alone are {$23000.00}. They are taking advantage of me. Currently they are harrasing me every day by calling me several times a day. I have fallen behind the payments due to their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
I have a checking account with Wells Fargo that is being use for someone else, on XX/XX/year> I went to the banking institution to file a claim and they came back a day later telling me that they can not find anything wrong with the account. 

I have over XXXX transactions from XX/XX/year> to XX/XX/year> totaling around {$45000.00} of fraudulent transactions in my banking account the transactions include : -rent payments -names of one person receiving money from my account -shopping in stores ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and more Most of these transactions were made using XXXX, and i don't even have a paypal account after receiving the negative from the bank we called paypal and they told me that they need my bank to get involve in this issue before they step in. 
I proceed to call my bank back they told me that the case were going to be elevated. i called again in XX/XX/year> and again they came back telling they did everything but they did not find anything wrong. 
We went to the police and file a police report but again they need the bank to get involve in this. 
at this point i don't know what else to do

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 2024-12-24 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: White Jacobs & Associates
State: TX

Complaint narrative:
White Jacobs and Associates-The Credit authority required me to pay over {$1000.00} up front and did nothing to remove negative marks on my credit score. There was no positive change from when I began until after the 6 month program ended. While in the program they continued to try and get me to sign on another family member they can also steal from. I received calls regularly throughout the program but it was all XXXX credit jargon to get me to feel better about them doing absolutely nothing. After the program ended the analyst had the AUDACITY to ask me to enroll another family member again and said they would continue to monitor my scores after program finished I have not heard anything from them since. I even offered suggestions after program finished when I saw nothing was done to reach out to a creditor and have them issue me proper tax docs to get the item removed and of course nothing was done! I feel used, lied to, and manipulated. I was promised AT LEAST a XXXX point increase and if this was not the case I should not have been taken on as a client after my report was reviewed. Totally disgusted with my experience and this company. Do not take on clients you know you can do nothing for. There needs to be a one on one consultation with client to check feasibility of removal ( s ). THEN payment can be arranged after nominal consulting fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services
State: PA

Complaint narrative:
I am writing to express my concern regarding a recent issue involving the unauthorized release of my personal information. It appears that my data was compromised from a database without my consent, and I am now being contacted by a third-party debt collection agency regarding a debt I have never signed or agreed to. 

I have not authorized the sharing of my personal information with any third party, and I find the continued communication, including phone calls and letters, to be a form of harassment. I kindly request that this matter be investigated and that any further contact from this debt collection agency be immediately ceased. 

I would appreciate your prompt attention to this issue and a resolution to ensure my information is secure and not misused in the future. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I have been getting the runaround with cashapp since XX/XX/XXXX. I had contacted them to file a dispute, and was told it was filed. It is now XX/XX/XXXX and no credits or updates. Under revaluation XXXX, for unauthorized EFTs they are required to provide provisional credit while they conduct their investigation. they have the right to conduct their investigation up to XXXX days, but they do not have to right to withhold provisional credit as outlined in regulation XXXX each time I contact them via their chat channel ( since this is the only way you ever can ) they tell me the same robotic response, that they cant provide me any updates on my dispute. I threatened to contact you guys, and they told me for your record, we are still working your dispute. which is fine and dandy, but I work for a bank. and I know regulation E- and I know unauthorized EFTs do qualify for provisional credit no matter what. it wasnt a small charge either, it was XXXX this isnt fair to play with someones money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: OH

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 explanation
Consumer complaint received 2024-12-24 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: NJ

Complaint narrative:
As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-Uverbal, per 15 USC 6802. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-verbal, per 25 USC6802, 15 usc 6803.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NJ

Complaint narrative:
As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-Uverbal, per 15 USC 6802. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-verbal, per 25 USC6802, 15 usc 6803.

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 2024-12-24 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: Chime Financial Inc
State: NC

Complaint narrative:
XXXX rental card had hold on my card for some of XXXX dollars. XXXX reververed balance back to my card but it was not showing they would not let me leave untill balance was paid. This was Friday XX/XX/year>. I called chime they said they would refund me that night or latest XXXX morning. I did not receive refund yet when I called back Sunday they said they could not see money anymore. I have called mutiple times sent email with all the proof even XXXX talked to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am a victim of the XXXX XXXX XXXX and I am filing this FTC Identity Theft Affidavit to report and request removal and blocking of a fraudulent accounts opened XX/XX/year> on from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$2900.00} appearing on my consumer XXXX credit report which I do not recognize which are the result of the XXXX XXXX XXXX. I demand the mentioned fraudulent items be blocked and removed from each of my consumer credit reports with in XXXX  days pursuant to FCRA XXXX XXXX XXXX and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate entry on my XXXX report, which has prevented me from opening a bank account. The report indicates suspected fraud activity on an account with Bank of America, which I strongly dispute as inaccurate. The closure status is marked as No Monetary Loss, further suggesting that the report is not reflective of actual fraudulent activity. 

I contacted XXXX to dispute the entry, and they referred me to Bank of Americas fraud department. Despite multiple attempts to resolve the issue, the fraud department was unable to assist or provide any documentation supporting the claim of fraud. 

This unresolved issue has significantly impacted my ability to access basic financial services. I can not open a bank account, which affects my ability to receive direct deposits, manage bills, and maintain savings. 

I am requesting that the CFPB investigate this matter, ensure that the disputed information is either corrected or removed from my XXXX report, and provide any relevant supporting documentation to justify the initial 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 2024-12-24 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: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number : XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My friend sent me a XXXX payment with her Chase mobile app with the amount of {$1700.00} USD. We are both using Chase bank. On her mobile app side, it shows the transaction is completed and was accepted on XX/XX/2024 On my side however, the transaction does not show up and I have not recieved the money. We have both called customer service numerous of times however no solution/action item has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I am, XXXX XXXX XXXX XXXX XXXX natural person in full life, in propria persona, XXXX XXXX, XXXX XXXX. My Nationality/Citizenship XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I Domicile at the property located at c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXXXXXX XXXX  I have conclusive evidence and proof that XXXX XXXX, ( acting as ) President ( CEO ) of XXXX XXXX XXXXXXXX XXXX XXXX XXXX as ), President ( CEO ) of Freedom Mortgage Company never loaned me any money or anything, they never conveyed Title to this land that I inherited, fee simple is not a Title, is what the Deed shows, constantly requesting and accepting payments in the form of Federal Reserve Notes and other forms of FIAT, when the Constitution for the United States of America Republic clearly states in Article I, Section 10 only Gold and Silver Coins and Bullion can be used as tender to make payment for a debt, which constitutes fraud in the inducement. I have Aboriginal Title to my Estate in Reversion by way of Birthright and Inheritance. I have conclusive evidence and proof via Certified Mail where someone signed proving proof of Due Notice of Affidavit of Dispute, also proof via Certified Mail where they received my Adverse Claim of Ancestral Estate and Memorandum of Trust and never answered my Affidavit of Dispute, not did they rebut my Adverse Claim of Title to this land that I inherited which I have Aboriginal Title to it and I'm going to defend it. I am currently preparing to verbally object to the fraudulent defacto FORECLOSURE SALE of Mortgage on XX/XX/2025, and publically make Adverse Claim to my Ancestral Estate by way of Birthright and Inheritance, etc.

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 2024-12-24 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Bank Fraudulent charges made on XX/XX/XXXX{$120.00}, {$120.00}, {$120.00} for a total of {$370.00} at a location XXXX miles away from a location where I was completing a transaction in person on my ATM card. Bank is stating that its possible to be in two places at the same time. I was told that it was impossible for my card to have been spoofed or cloned as their system was infallible. Refused to acknowledge that their records show that the distance makes it impossible to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief