vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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:
I sent Experian a ID theft report showing fruad on a XXXX XXXX Account, account XXXX XXXXXXXX. I have stated numerous of times that this is a fraudulant account, I have asked them to provide me with proof that this is my acount. They have yet to provide me with any prrof but yet they state its verified.

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 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: FL

Complaint narrative:
Someone made fraudulent purchase with my account. I contacted the company immediately and report the purchases as fraud. I tried to look up the seller of the items and they intentionally do not provide information on their website. I'm not sure what all items were purchased but it appears from my account in excess of {$500.00}. The lender Klarna has been going back in forth in emails since early XX/XX/2023 asking me to pay for returns to the merchant and the items so the merchant can inspect them. I responded to Klarna I am unable to return items that were not order or authorized by me on my account or shipped to me. I learned the merchant was shipping these items using a persons name that is not mine and and email not associated with my account with Klarna. Klarna allow merchants to place orders with customers accounts using fictitious emails and purchasers names not associate with the accounts with Klarna. I have requested a full refund to my account and for this lender Klarna to close my account for further use since XX/XX/2023. They have not done so and have submitted charges to my bank for payments after I have asked them to cease all transactions on my debit or checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MA

Complaint narrative:
I received an alert on XX/XX/2023 that CAP ONE NA did a credit inquiry on me. I did not requested or authorized this action. I called XXXX on XX/XX/2023 to mark this activity as a fraud and on the same day I called Capital One to notify that I filed a dispute with XXXX. Capital One didn't give me information about the Inquiry, but they recommended me to mail a fraud report for them to conduct an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I had a home mortgage serviced through Wells Fargo. The mortgage account was made using my maiden name as this was prior to my marriage, and the account has since been closed. 

In XX/XX/XXXX, I applied for a credit card with Wells Fargo using my married name, as it is now my legal last name. I was approved for the card and received it in the mail with no issues. Upon trying to set up online banking through Wells Fargo, I was denied access to the platform. I called customer service for assistance and was informed that because my social security number is tied to my closed mortgage account under my maiden name, I would be unable to access online banking for this new credit card account that was created using my married name. 

The only solution they offered to rectify this was for me to visit a Wells Fargo branch in person with the relevant documents to change my name. The nearest Wells Fargo branch is 86 miles from my home in another state and it seems unreasonable to demand that I travel that distance to change my name with the company, given that they have already verified my information to issue this credit card in the first place. My previous Wells Fargo account that is linked with my maiden name is inactive and irrelevant to this new credit account. I would never have opened a digital banking credit account with Wells Fargo if I knew that a closed mortgage account would restrict my ability to manage my credit account.

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 2023-09-20 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: NY

Complaint narrative:
someone applied for credit with my identity. there is an inquiry on my credit report i do not recognize from capital one bank on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC
State: FL

Complaint narrative:
The loan is extremely high. The interest-rate is also extremely high, and they harassed me after one day of being late and they dont start calling until its paid it doesnt matter if its one hour late or one daily they harass me until I pay which is unethical and harassment to the 10th degree o am Upset with the company on top of that. There are a bunch of things wrong with the car that they dont want to fix

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am a partner of a startup based out of NC. For all startups funding is an important factor. We chose AMEX for its reputable brand. So we thought We filled out the business application online at the end of XXXX, beginning of XXXX, was approved for The business Gold card in the amount of {$20000.00}, in which I had to be a personal guarantor. Everything was good so far. We are a bootstrapped women  operated and owned firm so funding is a challenge for any business. We have a client we worked on for about a month. Secured them to send a contract. Went to check to make sure AMEX was ready to perform and the credit was reduced to {$500.00}. Our costs to that client are {$12000.00} to {$15000.00} with an immediate return of {$27000.00}. First client, first huge client. The offer of a {$200000.00} year in profit from this one client was made. AMEX threw us under the bus for this is a trial run. We are devastated. Our clients rely on our word as we do in the office. We are disappointed AMEX didn't keep theirs. 

When I reached out to AMEX, I was able to connect with a specialist who provided some insights, although he acknowledged that the situation seemed confusing. He informed me that, upon approval, there's a 48-hour window to utilize the balance ; otherwise, it would be adjusted. I expressed my concern, explaining that this presented an issue because AMEX typically takes about a week to send out the card for activation before it can be used. This was unexpected and quite misleading, especially considering the reputation of a company like AMEX. We would like to rectify this anyway possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: CT

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-09-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/2023 my home title company mailed a check for {$450.00} to XXXX XXXX XXXX to pay off my credit card. The check was mailed via postal service and was sent to the correct XXXX XXXX XXXX and had my name and account number on an attached piece of paper. Somehow, the check ended up in a Wells Fargo office. Wells Fargo cashed the check and deposited it into another account and now they refuse to assist me with getting my money back. I have never had a Wells Fargo account and the check was not made out to them. It was made out to XXXX. They refuse to help me and continue to hold my money. They keep telling me it's not their issue.

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 2023-09-20 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-20 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copy of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 
Accounts XXXX XXXX XXXX -Account # XXXX ( Month Showing Late XX/XX/2022 )

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 2023-09-20 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these accounts 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 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I see that XXXX XXXX sold this alleged debt to a collection agency named CREDIT MANAGEMENT XXXX in the amount of {$600.00} stating that equipment was not turned in to XXXX. I have had an excellent payment history with XXXX XXXX XXXX. I moved from a XXXX  house at Address XXXX XXXX XXXX XXXX Georgia XXXX to a XXXX bedroom loft at XXXX XXXX XXXX XXXX GA XXXX. Essentially their worker picked up the original equipment during the transfer. When I moved from XXXX XXXX XXXX XXXX GA XXXX  I turned the equipment in via the XXXX representative who services our loft building. They sold debt to collections company called CREDIT MANAGEMENT XXXX who will not remove this inaccurate information off my credit file. As a loyal paying consumer it has tarnish my credit and I want it removed off my credit file immediately because its fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This line of credit account has multiple inaccuracies and missing information that do not align with all three bureaus. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include account type, Date opened, payment status, last reported, date last active, and payment history. Not one of the late payment history payments are reported the same for any bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately or updated to 0 late payments for all bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover bank is a fraudulent account and. XXXX to be removed immediately This account wasnt authorized by me

Company response to consumer: Closed with explanation