vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
Complaint Against XXXX Wyoming Department of Family Services Dear CFPB, I am writing to file a complaint against the XXXX Wyoming Department of Family Services for multiple violations of my consumer rights and unauthorized use of my identity. I have reached out to this agency on numerous occasions, only to be met with ignorance of the law, prejudice based on the color of my skin, and continuous reporting of child support to my credit report, despite the fact that I owe no debt, as stated in accordance with 18 USC 8.

The actions of this company are a clear violation of my consumer right to privacy, as outlined in 15 USC 1681b ( 2 ). Furthermore, they have no permission to report any information using my personal details, as stated in 15 USC 1681 ( 4 ). The inclusion of child support in my credit report is not only a violation of my rights but also a violation of the Separation of Powers Doctrine and the Michigan Constitution. This situation has had a devastating impact on my life and credit.

I firmly believe that the state of Wyoming, through its Department of Family Services, is engaging in malicious, crooked, and ungodly behavior. Additionally, the agency is committing perjury and should be held accountable for fraud. Child support, in my view, is fraudulent and unconstitutional, constituting a violation of my constitutional rights. It is essentially a debt collection agency operating in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The account in question is in violation of accurate reporting, as it falsely lists the Child Support Court as the furnisher, which is forgery and misleading, as the courts do not report this type of account. These accounts should not be furnished on my consumer report, as they are in clear violation of the law.

According to 15 U.S. Code 1681b, consumer reports can only be furnished under specific circumstances, and only with the written instruction of the consumer to whom it relates. I have never given any consumer reporting agency written consent to report anything on my consumer report. The lack of consent in this situation amounts to identity theft.

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action against the XXXX Wyoming Department of Family Services for their violations of consumer rights, unauthorized use of personal information, and fraudulent practices. I also urge you to bring this issue to the attention of the relevant authorities to ensure justice is served. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
We received a call from Wells Fargo Auto Finance with no extra information. All the caller did was introduce himself and tell us he doesn't have any information on the missing GAP payment and said he needs more time. IT HAS BEEN ALMOST 2 MONTHS. WE NEED THIS LOAN RESOLVED. WE ARE DONE WAITING. WELLS FARGO IS STEALING MONEY AND I'M NOT ACCEPTING IT. I WANT TO KNOW WHERE THE PAYMENT WENT IF IT WASN'T APPLIED TO THE 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 monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
Complaint Against XXXXXXXX Wyoming Department of Family Services Dear CFPB, I am writing to file a complaint against the XXXX Wyoming Department of Family Services for multiple violations of my consumer rights and unauthorized use of my identity. I have reached out to this agency on numerous occasions, only to be met with ignorance of the law, prejudice based on the color of my skin, and continuous reporting of child support to my credit report, despite the fact that I owe no debt, as stated in accordance with 18 USC 8. 

The actions of this company are a clear violation of my consumer right to privacy, as outlined in 15 USC 1681b ( 2 ). Furthermore, they have no permission to report any information using my personal details, as stated in 15 USC 1681 ( 4 ). The inclusion of child support in my credit report is not only a violation of my rights but also a violation of the Separation of Powers Doctrine and the Michigan Constitution. This situation has had a devastating impact on my life and credit. I firmly believe that the state of Wyoming, through its
Department of Family Services, is engaging in malicious, crooked, and ungodly behavior. Additionally, the agency is committing perjury and should be held accountable for fraud. Child support, in my view, is fraudulent and unconstitutional, constituting a violation of my constitutional rights. It is essentially a debt collection agency operating in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The account in question is in violation of accurate reporting, as it falsely lists the Child Support Court as the furnisher, which is forgery and misleading, as the courts do not report this type of account. These accounts should not be furnished on my consumer report, as they are in clear violation of the law.

According to 15 U.S. Code 1681b, consumer reports can only be furnished under specific circumstances, and only with the written instruction of the consumer to whom it relates. I have never given any consumer reporting agency written consent to report anything on my consumer report. The lack of consent in this situation amounts to identity theft. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action against the XXXX Wyoming Department of Family Services for their violations of consumer rights, unauthorized use of personal information, and fraudulent practices. I also urge you to bring this issue to the attention of the relevant authorities to ensure justice is served.

Thank you for your attention to this matter. 

Sincerely, 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 2024-01-12 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: TX

Complaint narrative:
Complaint Against XXXX  Wyoming Department of Family Services Dear CFPB, I am writing to file a complaint against the XXXX Wyoming Department of Family Services for multiple violations of my consumer rights and unauthorized use of my identity. I have reached out to this agency on numerous occasions, only to be met with ignorance of the law, prejudice based on the XXXX of my skin, and continuous reporting of child support to my credit report, despite the fact that I owe no debt, as stated in accordance with 18 USC 8. 

The actions of this company are a clear violation of my consumer right to privacy, as outlined in 15 USC 1681b ( 2 ). Furthermore, they have no permission to report any information using my personal details, as stated in 15 USC 1681 ( 4 ). The inclusion of child support in my credit report is not only a violation of my rights but also a violation of the Separation of Powers Doctrine and the Michigan Constitution. This situation has had a devastating impact on my life and credit. 

I firmly believe that the state of Wyoming, through its Department of Family Services, is engaging in malicious, crooked, and ungodly behavior. Additionally, the agency is committing perjury and should be held accountable for fraud. Child support, in my view, is fraudulent and unconstitutional, constituting a violation of my constitutional rights. It is essentially a debt collection agency operating in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The account in question is in violation of accurate reporting, as it falsely lists the Child Support Court as the furnisher, which is forgery and misleading, as the courts do not report this type of account. These accounts should not be furnished on my consumer report, as they are in clear violation of the law. 

According to 15 U.S. Code 1681b, consumer reports can only be furnished under specific circumstances, and only with the written instruction of the consumer to whom it relates. I have never given any consumer reporting agency written consent to report anything on my consumer report. The lack of consent in this situation amounts to identity theft. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action against the XXXX Wyoming Department of Family Services for their violations of consumer rights, unauthorized use of personal information, and fraudulent practices. I also urge you to bring this issue to the attention of the relevant authorities to ensure justice is served. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: VA

Complaint narrative:
Whenever I attempted to use the card online, I could never complete the purchase. I just pulled up the website, and the one time I successfully checked the card 's balance, I noticed that they had taken out fees on each transaction. When attempting to call the XXXX number, I could never speak to a person to tell them about the issues I was experiencing with the website as well as the difficulty trying to use the card to make online purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was traveling in XXXX and went to a store where my tap didn't work, so they asked to use the chip. I did and quickly noticed a transaction for XXXX that I did NOT authorize. I called my back and they cancelled the card. My mom, who I was traveling with had the EXACT same thing happen at the same store. Her money at her back was refunded, and Chase Mastercard is saying that I approved this transaction when I did not EVER agree to the transaction. I'm sure there was a skimmer on the machine where I used my card. Chase Mastercard is saying I did approve, when I never did and is asking for me to pay when this was clearly fraud. Why would I spend XXXX on groceries at a place called XXXX XXXXXXXX XXXX and the same exact thing happen to my mom from XXXX XXXXXXXX XXXX for XXXX. I want this removed from my card as I did not ever approve the purchase and it is clearly fraud. I have been with Chase for years and have never filed for fraudulent charges unless it was actually fraud. I've been a loyal, honest customer for years and can not believe this is happening. Also, why didn't chase fraud department call me when a XXXX purchase was made which is CLEARLY a suspicious charge when all of my other charges on that card were for souvenirs and trips in XXXX XXXX It should never matter if the card was still with me, it was clearly a skimmer. Again, I never authorized this purchase and contacted chase immediately with concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
My name is XXXX XXXX. XXXX I sent my FTC report and PA license to XXXX, Equifax, and XXXX. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
My name is XXXX XXXX. XXXX I sent my FTC report and PA license to Experian, XXXX, and XXXX. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer 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 2024-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the Recoveries dept. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXXXXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: PR

Complaint narrative:
In mid-XXXX  2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX  , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX  assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )

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 2024-01-12 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: PR

Complaint narrative:
In mid-XXXX 2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXXXXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: PR

Complaint narrative:
In mid-XXXX  2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXXXXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )

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