vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged a mysterious credit card charge for an amount that was not authorized on XXXX XXXX I contacted the merchant asking for an explanation of what the charge was, and they could not provide any details or receipt matching the charge. 

I then contacted the bank to inform the bank that this transaction was not valid, and was directed to speak with a dispute representative. The representative then requested I upload specific paperwork, including my correspondence with the merchant, which I did. I did not receive any further instructions from this individual or from anyone else at the bank. 

I then received a notice on XX/XX/XXXX that the dispute was closed because I had not provided the correct paperwork. I called the number on the letter, and they claimed that the agent who filed the dispute incorrectly labeled the dispute as a transaction that had already been paid for by another means ( it was not, it was a mysterious charge that the merchant could not explain when I contacted them and did not have any record for ). 

I told them again that the charge was not valid, and they said that they did not have a right to reopen the claim and that they did not have to pursue this claim. This is despite the advertisement of purchase and fraud protection as a feature of this XXXX XXXX credit card product.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It happen on XX/XX/XXXX I went into my mechanics shop and at that point the transaction was handled through debit card for {$850.00}, at that point the machine that he was using did not process the transaction on his part. The amount that was charged was withdrawn out of my account on my end through credit. Afterwards a week later I filed a complaint and the amount was given back to me rom my banking institution. From that point I withdrew that same amount cash from an ATM. The transaction that was postpone was resolved on my end with the mechanic in cash. From that point I was notified that the amount was taken out of my account again. The bank claims to request additional information in regards to the complaint. The dispute is still under investigation and I have no been given an update as of today. A week after the investigation was complete the money was credited back into my account for a second time. From that point on nothing was needed from my end or the company did not request any information. During the early XXXX period I received a notification about my account being over drawn for a third time. At that point at the third over draft statement I requested information for the over draft again. The bank claimed they called me a week prior to discuss more information needed. Despite this I submitted documents to re open the claim, and they claim to have been investigating the claim for months as well as lie to me about the outcome being in my favour in early XXXX, it is now late XXXX and still that claim is not reflected. Im now at a point where they are detailing about putting me in negative standing for not providing a receipt from the initial transaction date of XX/XX/XXXX, the problem is no receipt was printed because the transaction was declined on the machine, but I was the one who had the money taken out of. XXXX XXXX XXXX XXXX with a poorly functioning car, XXXX jobs, and in college, the bank cant possibly expect to not only lie to me over and over about the outcome but pay out {$1600.00} for funds that I already paid for. Need to speak to a higher up immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I, C SYSTEMS Collection agency did not report any payment and still has all old information in all of my scores are different across the board every credit report company. Want me to pay to have Inconsistencies fixed {$200.00}.

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 2024-07-22 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: CA

Complaint narrative:
In Accordance of the Fair Credit reporting act.The accounts/Hard Inquiries below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 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 7 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 explanation
Consumer complaint received 2024-07-22 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXETER FINANCIAL XXXX : XX/XX/year> EXETER FINANCIAL LLCXXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CAP ONE AUTO XXXX XXXX XXXX XXXXXX/XX/year> CAP ONE AUTO XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: PR

Complaint narrative:
Remove this account because the payment history reflects continued reporting a change off after this account was closed in XX/XX/year> This represent an improver use of my credit report. 

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 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to 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 2024-07-22 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to 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 2024-07-22 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:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Transunion that these are from fraud.

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 2024-07-22 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF  DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Porsche Financial Services, Inc.
State: IL

Complaint narrative:
I decided to buy out my 39-month lease of XXXX Porsche XXXX in XXXX this year with my Porsche dealer XXXX At that time, I paid one month ahead of monthly due date, so I asked if I could get the 1 month refund. My Porsche dealer said they can't do anything to help, so I chatted with Porsche Financial on XX/XX/XXXX. They agreed to send the refund ( {$1100.00} ) and I did get a check in early XXXX. However when I deposited the check into my account on XX/XX/XXXX, it showed failed on XX/XX/XXXX. Bank told me this check was canceled. I called Porsche Financial why my check got canceled, they told me that because I did not cash the check for a long time so they canceled the check because of concerns of fraud. They told me on the call that the second check is right under way and I should wait. Since I never received the second check for another 3 weeks, I called Porsche Financial again in XXXX, they told me that they did initiate the refund, but since my dealer buy out on XXXX and they paid short, so the refund goes to pay that part, so there is no refund to me and I should talk directly to my dealer to resolve this problem. When I called my dealer, dealer insisted that they paid full and they don't owe me money as well. This is ridiculous. XXXX is before my monthly payment due date ( XXXX of each month ), then how could Porsche Financial cancel what I should get for refund just because they did not get enough money from dealer? If dealer really owes money, they should resolve between Porsche financial and dealer instead of cancel my refund to make balance even. Porsche financial should make sure they were requesting and collecting right amount of money from dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
Upon checking my credit report on Experian.com, there has been a fraudulent account on my credit file that has been opened without my authorization. I do not recognize the account. The account is as follows Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>. Account number : XXXX. Please remove this from my credit file.

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 2024-07-22 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: SC

Complaint narrative:
I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately. 

XXXX XXXX account # XXXX date opened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NY

Complaint narrative:
I am writing to request the steps your company undertook during the investigation of the disputed item. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed account of how you obtained these particular responses. 

Below is the account that I am disputing : 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 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: ID

Complaint narrative:
Suttell and Hammer filed a lawsuit against me. The claimed to have served me in person on XX/XX/XXXX. This is a complete fabrication of the truth and completely false. They then used this lie to their advantage to get a judgement before I even knew about the lawsuit. When I found out about the lawsuit I had zero time to defend myself and was aggressively forced into a repayment plan that I would not be able to pay and I told them this. They told me to not pay something else and to pay them. I tried and tried to negotiate with them but the representative XXXX hung up on me twice but not before she threatened me with another lawsuit if I didnt pay the exact amount every month. I was bullied into an unreasonable payment plan without being able to negotiate or defend myself. Please help.

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 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request the steps your company undertook during the investigation of the disputed items. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed accounts of how you obtained these particular responses. 

Below are the accounts that I am disputing : XXXX XXXX and 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