vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Raised limit on a secured credit card without my authorization XX/XX/XXXX The Mortgage dept did a credit inquiry without my authorization XX/XX/XXXX WF signed me up for overdraft protection and connected it to a WF CC without my authorization, XXXX WF took off overdraft protection end of XX/XX/XXXX without my authorization I deposited a paper payroll check on XX/XX/XXXX and there were insufficient funds, no overdraft protection WF put a hold on the payroll check from XXXX WF put overdraft protection back on my acct XX/XX/XXXX connected to a WF CC until XX/XX/XXXX without my authorization and then it was removed without my knowledge XX/XX/XXXX Recvd letter WF enrolled me in a XXXX party Affinion product, identity theft protection policy from XXXX ( they wont disclose the monthly charge nor give me bank statements ) XX/XX/XXXX Recvd letter WF enrolled me in a XXXX party affinion product, Accidental death policy from XXXX. 
XX/XX/XXXX Recvd a letter WF enrolled me in a XXXX party affinion product, Credit Defense policy from XXXX I stopped banking at WF after they put the extreme hold on my payroll check XX/XX/XXXX, I paid on the WF CC until XXXX when i noticed unauthorized charges, WF continued to charge that WF CC that reported written off, charge off and closed in XXXX for that accidental death policy until XXXX. Allowing a CC with a limit of XXXX to extend to 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 2024-05-28 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: FL

Complaint narrative:
I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
CREDIT REPORTING AGNECY IS FURNISHING INACCURATE INFORMATION To the consumer reporting agencies The reporting of inaccurate information has affected my character, my reputation, livelihood, and ability to credit, car or a house and this moment I have been homeless for more then six months You and your company have affected my livelihood. 

As defined by the IRS Even if you didnt receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly state charge off as income the reporting of this account is inaccurate. 

INCOME IS REPORTED ON MY A CONSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 

By definition, the IRS clearly states, the charge off is income, reporting of this account as inaccurate THE LENDER MUST FILE A 1099-C AND SEND YOU A COPY ( I HAVE NOT RECIVED A COPY OR A 5 DAY NOTICE THAT THIS INFORMATION WILL BE REPORTING ) OF THE DEBT IMMEDIATELY. YOU HAVE 10 CALENDER DAYS TO REMOVE

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> at XXXX XXXX an unauthorized transaction in the amount of {$3000.00} was transferred from my checking account into my cashapp account, where the money was then transferred into a person XXXX account. I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am reaching out to seek assistance in resolving a critical financial matter that has severely affected my credit score and financial stability. The actions taken by Capital One and XXXX XXXX XXXXXXXX have placed me in a challenging situation that requires immediate attention. 

Following the closure of all my credit card accounts by Capital One due to returned payments, my credit score plummeted from XXXX to XXXX, and subsequently further dropped to XXXX. This decline occurred in two significant steps - first, a decrease of XXXX points, and then an additional XXXX reduction. The situation was exacerbated when XXXX XXXX XXXX closed my bank account without notice, returning all credit card payments due to fraudulent charges stemming from a data breach that compromised my account. 

These circumstances have caused considerable distress and financial uncertainty, leaving me in a vulnerable position. I implore your assistance and expertise to help rectify these issues and restore financial stability. 

Your urgent attention to this matter is invaluable, and I am hopeful that with your support, we can navigate through these challenges and work towards a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am reaching out to seek assistance in resolving a critical financial matter that has severely affected my credit score and financial stability. The actions taken by XXXX XXXX and XXXX XXXX XXXXXXXX have placed me in a challenging situation that requires immediate attention. 

Following the closure of all my credit card accounts by XXXX XXXX due to returned payments, my credit score plummeted from XXXX to XXXX, and subsequently further dropped to XXXX. This decline occurred in two significant steps - first, a decrease of XXXX points, and then an additional XXXX reduction. The situation was exacerbated when XXXX XXXX XXXX closed my bank account without notice, returning all credit card payments due to fraudulent charges stemming from a data breach that compromised my account. 

These circumstances have caused considerable distress and financial uncertainty, leaving me in a vulnerable position. I implore your assistance and expertise to help rectify these issues and restore financial stability. 

Your urgent attention to this matter is invaluable, and I am hopeful that with your support, we can navigate through these challenges and work towards a resolution.

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 2024-05-28 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: GA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-28 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: IL

Complaint narrative:
CREDIT REPORTING AGNECY IS FURNISHING INACCURATE INFORMATION To the consumer reporting agencies The reporting of inaccurate information has affected my character, my reputation, livelihood, and ability to credit, car or a house and this moment I have been homeless for more then six months You and your company have affected my livelihood.

As defined by the IRS Even if you didnt receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly state charge off as income the reporting of this account is inaccurate. 

INCOME IS REPORTED ON MY A CONSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 

By definition, the IRS clearly states, the charge off is income, reporting of this account as inaccurate THE LENDER MUST FILE A 1099-C AND SEND YOU A COPY ( I HAVE NOT RECIVED A COPY OR A 5 DAY NOTICE THAT THIS INFORMATION WILL BE REPORTING ) OF THE DEBT IMMEDIATELY. YOU HAVE 10 CALENDER DAYS TO REMOVE

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 2024-05-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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 2024-05-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act TD AUTO FINANCE has violated my rights. 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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 2024-05-28 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: MA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX FL XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00}, XXXX XXXX XXXX XXXX XXXX : {$5000.00} COLLECTION ( Original Creditor : COLLECTION ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-05-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX BANK XXXX. has violated my rights. 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX BANK XXXX. has violated my rights. 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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 2024-05-28 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: GA

Complaint narrative:
According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 2024-05-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I tried to spend {$50.00} on any website but it would decline and not allow me to spend the money. But after further research the card is only allowed on certain websites but clearly amex is false advertising when they list on their website American Express Gift Cards and Business Gift Cards can be used virtually anywhere American Express is accepted in the US. when they truly dont accept it virtually everywhere. - heres the link for this ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is upsetting when I got this for my birthday and I cant even use it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Hi I bought my car from a dealership on XX/XX/24 and right now no ones answering the phone which is a little unprofessional so I wrote the dealership and called credit acceptance after I bought my car it was fine for a week then the check engine light turned on and my sensors were going off then my parking light went out and so did my brake light when I showed up to the dealership I was told by XXXX the employee to go to the auto body shop the establishment called XXXX XXXX owns so when I proceeded with that the mechanic tells me he does not do electrical work which kinda confused me because I got sent to him by the dealership for all of the problems I listed but ok then he proceeds to tell me that its basic maintenance problems so to my understanding my car should have been maintenanced and checked before I drove off the lot for any spark plug issues for any transmission issues and for anything else while I was in my 90 days. On XX/XX/24 my check engine light popped back on again which was odd bc I only had the car for not even 3 months and this is the 2nd time something is wrong with the car so while I was trying to get in contact with anyone from the establishment my 90 days was over and I would like to talk to someone before it has to involve police because I showed up the lot is empty I came back multiple times and the cameras on the lot can see that still not one associate or owner I pay {$330.00} added with {$210.00} for insurance so thats {$540.00} a month that I spend for a car that has transmission issues electrical issues and more and I was not told about my apr or anything involving about payments from credit acceptance. I tried to contact them in regards of what to do with the vehicle because it is now struggling to drive and they want {$3500.00} at the XXXX  dealership to fix the car because my warranty does not cover it which I was told by credit acceptance but was lied too. No dealership or shop will touch my car because of the electrical issues going on with it I am struggling horribly because of this I am fighting everyday because of credit acceptances scam

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 2024-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Dear IC Systems, I am writing to formally complain about your company 's handling of an account that does not belong to me. Despite multiple attempts to resolve this issue through various communications, the disputed account remains on my record without proper action taken by your company. The account in question, XXXX, does not belong to me and is inaccurately attributed to my name. I have contacted your office on [ XX/XX/24 & XX/XX/24 ] and provided all necessary information to support my claim. Despite my efforts, the account has neither been removed nor appropriately marked as disputed/investigated, as required by the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that debt collectors must investigate and validate disputed debts and mark such debts as disputed while the investigation is ongoing. IC Systems ' failure to do so not only violates the FDCPA but also causes undue stress and potential harm to my credit report and overall financial well-being. If this issue is not resolved immediately, I will be compelled to escalate this matter to litigation and seek compensation for any damages incurred.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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 explanation
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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