vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year> I had two unauthorized XXXX  transactions transfer {$1000.00} at a time from my checking account. I had opened a fish email that appeared to be from Wellsfargo earlier that day. I only opened it and never entered any information or interaction with it. I called, reported, visited a local branch many times over this incident. I made a police report and anything Wellsfargo suggested. No help from XXXX at all. I wouldnt take no for an answer and had them reopen there investigation a couple times. They said I was at fault for using XXXX  and gave me the run around over and over. I work out of town which makes dealing with these matters more difficult and time consuming. Still upset about it, my dad said he saw something about other people having issues so here I am. I have a good amount of notes entailing call ins, claim numbers and faxes that were sent in. {$2000.00} is a lot to walk away from. Wellsfargo has been a great bank except for this experience.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received 3 identical letters from a company called Resurgent on behalf of LVNV Funding. I reached out to XXXX  and they got a letter back saying that they had the write person and one letter was for an original creditor called XXXX XXXX XXXX  from XXXX, one was for XXXX  XXXXXXXX XXXX XXXX from XXXX, and the last one was from XXXX XXXX through XXXX XXXX in XXXX. I never applied or had a XXXX XXXX XXXX ever. I never had a XXXX XXXX card through XXXX XXXX because I do not do shopping at XXXX XXXX. I may have purchased gifts but never held a credit card with them. I have 5 different XXXX XXXX credit cards that are all used and paid when used since dating back to XXXX. They have never given me any information or anything. No credit card numbers, no proof of address, no proof of signature, and no proof of application. As a matter of fact, these 3 letters were the first thing I received EVER from a company called Resurgent or a company called LVNV Funding. I did do some reach to see about these 2 companies and it appears from the reviews that they do quite a bit of fraud. I do not want this to effect my credit or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We were scammed trying to purchase a puppy on the internet. payments made using XXXX through Bank of America. two scammers were XXXX and XXXX. Total amount {$1900.00}. Bank of America claim number XXXX. Claim denied. Reported to IC3.gov, reportfraud.ftc.gov and 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 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I wasn't sure how to mark this, but initially this started as a scam text that addressed me by name pretending to be my boss at my newly started job. From there, I bought XXXX gift cards, under the impression my boss was asking for them. I got scammed out of {$1000.00} on XX/XX/year>. Amounts of {$500.00} were on my debit card and {$500.00} on my credit card. Since then I have filed a local police report, I have submitted claims with Wells Fargo for both of my cards. The claims have since been denied and I have sent back evidence waiting to hear a different resolution. I have gone to XXXX XXXX, the store where I made the purchases, and they were unable to help further. The local police were unable to help further. I contacted XXXX, as they own XXXX, and never got a response. I am running out of options on how to get my money back, and I read online that you guys XXXX be great help to someone like me. I have texts to support, I have the police report number, I have call logs with Wells Fargo on the date it happened. I am attaching what I sent to Wells Fargo XX/XX/year>, as I think it encapsultes the situation the best and I have no way to track the current communication with them via mail as I wait for a response. Don't hesitate to reach out for more information as needed.

Since sending this letter to Well 's Fargo, I can confirm the separate {$500.00} purchases are still spent via my account, which I am hoping to change.

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 2024-12-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently recieved a settlement from XXXX XXXX due to the vehicle being sold to me was covered under California lemon law because of the vehicle being sold as faulty and didn't meet the requirement under the law. However, I was told to pay the lease completely off but any further charges related to vehicle upon return wouldn't be charged and I wouldn't be held liable for them. Furthermore, Chase is not complying with the law and the agreement made with XXXX and all associated parties related to the vehicle purchase of the lease. They have harassed me during multiple calls and refused to reach out to XXXX XXXX  directly.I also explained them to stop calling during my work hours which they have continued to do. It is becoming distressing because of the illegal tactics they are conducting with my credit report, reporting inaccurate facts, and refusing to reach out to their own parties. I also explained to XXXX XXXX upon the return of the vehicle the agreement and they explained Chase was notified. Unfortunately, Chase is failing to comply and have negative impacted me and my credit report but stating I was late on my credit report and I'm in default.

If they

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Failure to Provide Required Periodic Statements and Disclosures : As I have mentioned, I believe Barclays has failed to provide the required disclosures alongside my periodic statements, in violation of 15 U.S.C. 1637 ( b ). I request an immediate explanation of how this error will be rectified, and whether the necessary disclosures will be sent for the relevant periods. Failure to comply with these statutory requirements impacts not only my ability to manage my account but also the accuracy of any related credit reporting.

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 2024-12-27 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: AZ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. 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 XXXXXX/XX/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 2024-12-27 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: Google Compare Credit Cards Inc.
State: DC

Complaint narrative:
I bought a {$15.00} XXXX XXXX XXXX XXXX at XXXX and attempted to redeem it with XXXX. Upon attempting to redeem the card, XXXX asked for additional information which I supplied. XXXX then responded that the card I submitted " isn't valid or doesn't match the information in our systems. '' They left me without any explicit recourse to further contact customer support to avail of the card that I legitimately purchased. I'm supplying information substantiating the legitimate purchase of the gift card. 

This is the second gift card I have purchased for XXXX XXXX, this time from a different vendor, yet I am receiving the same run around from XXXX regarding this purchase as my prior purchase.

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 2024-12-27 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: FL

Complaint narrative:
The company XXXX XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. Im not aware of who the company even is and how they got access to 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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors.

See the attached copy of my credit report ; the errors have been highlighted.

Here as follows are items in error : I XXXX XXXX do not have Capital One credit card, I pulled my credit report and see that I have a capital one card under my SSN and thats wrong.

Please that this off my report.

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/XXXX of 2024 XXXX XXXX and myself did a third party check into my account at KeyBank on XXXX XXXX XXXXXXXX XXXX XXXX Colorado. We waited till Monday the XXXX for the check to clear which it did. She used her money to order a XXXX  using my bank card and the funds were available. Instantly after that my account was frozen. The people at the branch have done nothing to help unfreeze my account and we have done everything they advised us to do. Ive gone in and wrote a statement. They are reluctant to call the church that the check came from nor do they want a statement from XXXX. I got a letter in the mail that said that this was going to be cleared up by the XXXX XXXX XXXXXXXX and it is still not cleared up. They told me it was going to be cleared up by XXXX XXXX and it is still not cleared up. The kids did not have a good XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
XX/XX/24 I called experian to kindly ask them to dispute some incorrect address on my credit report as they told me they couldnt remove them due to they are part of my history.

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 2024-12-27 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: CA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 2024-12-27 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: CA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I have a loan with Lendmark. A representative called on Friday XX/XX/year>. Several issues occured. I ended the call after advising it was not a goodd time. She immediately called back and started yelling at me at the top of her lungs making me more upset and stressed. I asked for a recording of the call. Lendmark advised that they do not record their calls. I advised that a financial institution must have some sort of recording method. I also was advised a deferment. I was then told I didn't, and then told again I did. This was a horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 1. SEND ME A DETAILED LIST OF THE HISTORY OF PAYMENTS BY MYSELF 2. SHOW ME THE SIGNATURE ON THE CONTRACT BY MYSELF 3. SHOW ME ANY INSURANCE CLAIMS FILED ON THIS DEBT 4. CHAIN OF TITLE AUTHORIZING YOU TO COLLECT ON THIS DEBT

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 2024-12-27 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-27 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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