vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I will pursue this case to its logical conclusion. The attached transcript should be read and examined by CFPB. 
Consumers should be alerted about how they will be treated if they are scammed. 

Also, I STRONGLY believe that a hypothesis test is done on the " time it takes for them to be kicked out of society '', it will be glaring that how certain members of the population are not treated equally by Wells Fargo. 

It is impossible to forensically read the attached transcript and justify that a consumer should be thrown out of a banking system, and his credit totally destroyed after being CLEARLY SCAMMED. 

Wells Fargo is a huge company. If CFPB doesn't protect little people, then the American dream is over for the most of us.

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 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
This company completed a charge-off which is debt that has been discharged and they took a tax write-on XX/XX/2022. After contacting the IRS they explained that it was illegal that that they were reporting this information to my credit report trying and still trying to collect when this transaction has a charged-off status. This is called tax fraud by the IRS. I requested that they remove this item from my credit report and send me my COMPLETED copy of the 1099-C so I can audit it to ensure you they comply. They violated the FCRA 15 USC 1681eb and they are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations against the company. Then they did not credit my account from the dividend payment that they made off of my treasury coupon via the Electronic Funds Transfer Act and I would like you to do so promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: OK

Complaint narrative:
On Thursday XX/XX/XXXX at XXXX XXXX I received a payroll deposit to my checking account in the amount of {$2900.00}, Chime automatically transfer to my credit builder account in the amount of {$740.00} at XXXX. Then at XXXX I transfer {$500.00} back to my checking account from my credit builder account which leaves {$240.00} in my credit builder account. My new balance in my checking account is {$2700.00}. I use my credit builder card at XXXX at XXXX for {$4.00} which leaves {$230.00}, then I used my credit builder card at XXXX at XXXX  XXXX 's for {$17.00} which then leaves. {$220.00}. I then used my credit builder card at XXXX at XXXX for {$12.00}, which then leaves {$200.00}. On XX/XX/XXXX at XXXX I withdrew {$200.00} from the ATM , which then leaves {$8.00}. On XX/XX/XXXX I used my credit builder card at XXXX at XXXX XXXX for {$3.00}, which then leaves {$4.00}. My credit builder card was then charged at XXXX {$2.00} out of network ATM fee which then leaves {$2.00} in my account. I then used my credit builder card at XXXX at XXXX XXXX for {$13.00}, which then my credit builder account was ( negative ) - {$11.00}. My credit builder account then said ( negative ) - {$220.00} which is still reflecting on the account. I called and emailed chime several times to resolve the issue which the supervisors of the call service found to be indeed incorrect as well. I was asked to email screen shots which I did and I'm still getting the run around when I call for an update of the matter, I'm transferred throughout the call center from one person to the next, each time explaining my issue with no help or resolution. The call center for chime bank has been no help in the matter and as I am unable to speak with someone higher for chime bank the matter is left unresolved and I also have more deposits that will be coming to chime bank in a few days. Chime bank has given me a {$210.00} spot me feature on the app that I am able to use at any time but is unable to at the moment because of the - {$220.00} in my credit builder account. I pay the spot me back when I receive payroll deposits through chime. However, I'm only responsible for the - {$11.00} that I overdrew on my credit builder account not the - {$220.00} as my spot me is only {$210.00} so it's not possible for me to overdraw my account past {$210.00} total.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: MD

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. 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, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-02-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Amounts of charges were {$1400.00} and {$730.00} made on a citi card on XX/XX/24 that were not made by me at XXXX. Both credit card company and XXXX were notified of issue. Card was cancelled and XXXX cancelled reservations and had a name of person that reserved.

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 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
We, the undersigned parties, are co-signers on a lease agreement. We have recently discovered that our accounts have been sent to a debt collection agency, which has negatively impacted our credit reports. This action was taken without any prior notification, calls, emails, or letters from the debt collection company, denying us the opportunity to address or dispute the alleged debt before it affected our credit. 

Timeline and Actions Taken : Tenants received no communication from the debt collection company regarding the debt. There were no attempts made by the company to contact the tenants via phone, email, or postal mail. 

Refusal to Communicate : The company has refused to speak with XXXX of the co-signers, my father, about the debt, despite him being listed as a debtor. This lack of communication has prevented us from understanding or resolving the alleged debt. 

On XX/XX/year> : I personally reached out to the debt collection company, leaving a message to inquire about the debt and request communication. As of this writing, there has been no response from the company. 

After Initial Contact Attempt : We requested verification of the debt. In response, we received only a ledger from the company, which lacked any detailed information, such as the contract, names of the debtors, or specifics of the charges. This document did not provide the necessary information to verify the legitimacy of the debt. 

Access Issues : We attempted to access the company 's online portal for more information but were unable to do so due to the requirement of a PIN, which was never provided to us in the letters ( additionally, no tenants received any letters at any point in time. We have attached the letters that the cosigners received, which display no pin ).

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 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the rights to privacy ( 15 USC 1681 ( section 604a section2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
I received a copy of my credit report from Experian and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave them, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair 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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have a lot of money in this Bank, doing business with them in excess of 20 years, My phone number has not changed in 15 years. The Bank has taken it upon themselves to deny me phone access and insists on sending access codes to my email account to which I have said NO. 


I talked to a Bank Supervisor and we received double talk, open ended solutions on when my phone would be connected to my account. The Supervisor named XXXX  ) ( phonetic for something like that name ) started yelling at my wife and refused to tell me when my phone would be connected. 

Ok, I am a 100 % XXXX XXXX  Veteran living in New Mexico, beside the handicap I have in just getting around, the Bank of America has made this a living nightmare consuming way too much time and presenting now obstacles to a XXXX Veteran. 

I complained to FTC earlier today about this so below here I have copied that part for your review. 
Please Help Us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New Mexico XXXX XXXX, XXXX XXXX FTC XXXX # XXXX : Bank of America managing my personal Savings and Checking Account has disconnected my phone monitoring service, will not restore it and has basically required me to connect my email account to my phone in order to receive alerts and access codes. I have a lot of money in the savings and checking account. I jave tried to access my account several times by computer and they keep sending access codes to the wrong place ( my e-mail ). I have tried to work this out by phone, my wife XXXXXXXX XXXX XXXX  being present and we escalated to a supervisor who told us flat out they can not tell me when my account will connected to my phone again. My phone number has not changed in over 10 years and i have been a BOA customer for decades. The Supervisor named XXXX ( phonetic, as I had to ask him for his name twice and he stated in the manner of the XXXX XXXX guy, like you can't see my license plate # either. ) began yelling at my wife for her behavior telling her its open ended as to when they will recognize my phone number again. That is unacceptable as I am a 100 % XXXX XXXX  Veteran and I need everyday access without difficulty to my accounts. This Bank has now ruined our weekend and our trust in the Institution. I need your help with this Institution to safeguard my funds and access to them. I am concerned the Bank is conducting a campaign RE : a " phone disconnect program '' because of inherent financial weakness and that I am feeling the beginnings of this. Thank you for your assistance.

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 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have contacted this company NUMEROUS TIMES over many years ( since XXXX ) for debt validation and have received NO RESPONSE ; most recently XXXX, XXXX, XXXX of XXXX, XX/XX/XXXX. I continue to receive NO CORRESPONDENCE AND NO VALIDATION OF OWNERSHIP OF DEBT ; however, they continue to re-age the debt, change the type of account ( OPEN ) from time to time. This even reads as a credit account on some of my credit reports. I have also contacted XXXX major credit bureaus requesting information received on their end ( most recently today, XX/XX/XXXX ). They refuse to furnish information received information received from this agency. It was recommended by XXXX that I file an FTC complaint regarding this matter in order to have this removed from my credit report since the bureaus agree this is a gross violation of the FCRA in several areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
My Information was sold and bought illegally because i was a victim of the eqiufax data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that Equifax has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and Equifax has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX  XXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX Closed XXXX closed XXXX XXXX XXXX Closed XXXX XXXX XXXXXXXX XXXX closed XXXX in correct auto loans saying closed whenn they were paind in full XXXXXXXX XXXX in full and XXXX and XXXX XXXX XXXX for XXXX never had XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc.
State: WA

Complaint narrative:
Currently in litigation with a lawsuit filed back in XXXX of 2023 with a property management company that broke landlord tenant laws, and Health Department Laws. Also city is an involved and violations codes are in record. Summons and complaint on file with XXXX XXXX XXXX XXXX. Property management company still sent me to collections even though we are in current litigation. I have contacted my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: MI

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX. XXXX XXXXXXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation