vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XXXX XXXX I got a notification from my bank that a withdrawal of XXXX from a ATM was made. I then got another notification for a family dollar of XXXX was made and then I got another one from a family dollar for XXXX. Then I got another notification for a XXXX transaction for XXXX but didnt go thru so it was credited back for the XXXX. I called my bank and notified them of the suspicious activity and let them know I didnt recognize none of these charges. They canceled my card and I received a new card within a week or so.I waited ten business days and called them back on XX/XX/XXXX and they said they wasnt going to refund my money back. I then went to the bank that the withdrawal was made and spoke to a lady representative about what happened at their ATM and she gave me my bank statement and we went thru them. I told her how was someone able to get money out of the ATM without my card and she was mentioning how the person had my pin and she didnt say anything else. She said basically nothing else she can do and to file a police report. Which I did file on XX/XX/XXXX. I have since gone back to the bank on XX/XX/XXXX to speak with the lady representative and she just gave me the runaround and how it was gon na be hard to find out who did it. She basically made me feel like she didnt believe me and how she didnt want to help me with this.I dont like how the bank handled this situation.I need help to get my money back.

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 2023-10-13 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: LA

Complaint narrative:
FTC Report XXXX I never gave written consent to any of following to report on be have. XXXX, XXXX Experian nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments

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 2023-10-13 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:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  Account XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXXXXXX 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 XXXXXXXX XXXX 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 instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE 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 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE 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 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 2023-10-13 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: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MS

Complaint narrative:
My husband passed away I moved back with my family states away never thinking of these accounts until an old customer requested receipts from me. Upon calling XXXX and XXXX  XXXX Bank. I found out that my account has been compromised all of these years. Thousands tens of thousands of fraudulent transactions have went through and I was never notified of any of the transactions or the account log in credit shows being changed. XXXX XXXX XXXX  is trying to tell me that. They have an account profile with my name, address, date of birth email, and phone number with no transactions underneath it. XXXX has been dragging their feet and playing ignorant to the disputes that I am sending to them on all of these transactions that were unauthorized and not mine and have not sent me my money back..

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 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have an XXXX XXXX XXXX XXXX  managed through Comenity Bank. I've never been late with a payment and have enrolled in automatic payments direct from my checking account. The XX/XX/2023 payment was missed due to NSF 's since a lot of payments hit at once. I never received an email letting me know this happened. Instead I received XXXX calls in XXXX hours in one day from XXXX - XXXX during my weekly work meeting, XXXX days from when payment was due. All for {$51.00} When I had the chance to finally pick up, I told the rep how aggressive and overkill it was to call that many times. I went on line and made the {$51.00} payment. The phone continued to ring after that. For crying out loud! Really? 

Thank God for XXXX in XXXX programs. In with XXXX in XXXX and out with the old revolving debt card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Hi. I bought out my XXXX XXXX XXXX lease from Toyota Financial Services. They received my check of ( XXXX $ ) on XX/XX/XXXX, and closed my account. Before this my monthly payment deadline used to be the XXXX. This month I saw that they have reported to all 3 credit agencies ( XXXX, XXXX, XXXX ), that I have missed my XXXX, 2023 monthly payment and as a result my credit score has dropped XXXX to more than XXXX points across them. I am trying to buy a home now and this has almost made it impossible for me to go ahead on this now. I sincerely request your help to hold them accountable and rectify this mistake as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: MO

Complaint narrative:
i sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )

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 2023-10-13 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: MO

Complaint narrative:
i sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
I noticed there is a hard inquiry on my Equifax credit report from XXXX on XX/XX/2023 that I did not recognize. I have never applied for anything at XXXX XXXX  nor authorized them to access my credit file. I called XXXX XXXX. According to them, they could not find anything related to my SSN in their system and asked me to dispute it with Equifax. 

I submitted a dispute to Equifax, but they got back to me saying the inquiry is factual and can not be removed. 

Even though XXXX XXXX  claimed that they do not have any application or account under my SSN, Equifax insisted that after investigation they believe it is legitimate inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
I want the inquiries removed from my credit report. 

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 2023-10-13 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: FL

Complaint narrative:
XXXX said that one use there pre- approval form to see if they will be approved for a loan or not before they apply for a loan. I did the application online and was pre-approved {$28000.00}. To make sure that this was correct I called in and spoke with an agent and re do the application over the phone. She once again told me that I was pre- approved for {$28000.00}. I even got an email from the agent stating that the funds would be deposited in my account within 1 to 4 days. I then checked my email and I saw an email from XXXX  stating that they were no longer going to give me the loan because they were unable to verify me. This sounds like rubbish to me. They pre- approved and then sent me a letter stating that they were not able to verify me so they cant give me the loan. I proceed with the hard pull on my credit report based on the fact that XXXX  's agent said that the I was pre- approved for the loan. There is now a hard inquiry on my TransUnion credit report from XXXX and I want it removed immediately as XXXX lied to me that I was approved for the loan and then cancel the loan application after the agent t said every thing was good. 
I never would have proceed with the loan application if the XXXX  agent never said that I was pre- approved for the loan. Kindly remove XXXX  hard inquiry from my credit report immediately.

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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I called on XX/XX/2023 to find out what repayment plans I qualified for. I was told I qualified for a Graduated Repayment plan and that I would receive an email confirming the plan. It is now XX/XX/2023 and nothing has been updated or changed on my account. I have not received an email either. I have called 5 times and sat through 4 hour hold times only to be told that it has not been reviewed yet. The company keeps extending how many business days it will take to process. I have been told 15 business days, 29 business days, and 31 business days. It has now been 36 business days. My payment is due on XX/XX/XXXX, and I can not afford the current repayment plan. This does not seem legal or fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I reported fraudulent charges on my Citi credit card account in the amount of {$2500.00} over multiple transactions. The CC opened a disputed and was supposed to remove the charges from my account. They did open a dispute and never removed the charges. They called and asked me about the charges, which I explained appeared shortly after I had made a purchase on XXXX. The billing on my card looked similar to the billing for the valid XXXX purchase but I did not make them and they do not appear in my XXXX transaction history. 
The dispute was closed stating I owed the money because I provided the merchant my card. I called on or about XX/XX/XXXX  after received the dispute closure letter ( dated XX/XX/XXXX  and postmarked XX/XX/XXXX  ) explaining that I did not authorize the additional charges and was told a new case would be reopened. I offered and sent my XXXX transaction history, the CSR I spoke with assured me that would drive rapid resolution of the problem. I have called twice in the last two weeks for status to find nothing has occurred. No new case has been opened and the charges have not been suspended. On the call today I was told I was responsible because I gave the merchant my card ( assuming they meant number ). I fail to understand how I can be responsible for someone fraudulently using my card number without my authorization whether or not I had provided it for a valid authorized purchase. If that were the case the entirety of the credit card, bank card and virtual payment systems that businesses in modern day socitey rely on would collapse.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capitol One Data Breach & Settlement. 

Per the phone representative, an email was " successfully '' sent to my XXXX account on XX/XX/2022. After searching my inbox and recognizing several emailed communications from Capitol One, including information on monthly statements and promotional material. I was not successful in finding an email from Capitol One referencing a data breach or the settlement claim. 

I was told by the phone representative that it may have gone to my spam folder. I checked my spam and did not see anything from Capitol One. I find it extrememly odd that I am successful in receiving promotional emails from Captiol One but not ble to find an email and did not receive any USPS communication regarding this settlement. 

I firmly believe Capitol One did not due their due diligence in notifying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I asked U.S auto sales at the time about bringing the vehicle back because of the concerns I have with the gps going off randomly or the day of my payment they hit the " kill switch '' and I'm unable to get my wife to the doctor or just me going to work they said they'll take the vehicle with open arms back but I'll be responsible for the remainder, I asked why on multiple occasions if there is a defect that you guys installed that causes issues, I never get an answer always at that question the phone hangs up this dates back to 1 year from this month and always the same response! I would love to get from under them but it seems to be a nightmare of a financial trap!! Multiple videos of thos in my phone if proof is what your looking for!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had an unauthorized debit of {$1.00} from an overseas business. I repeatedly requested the account to be closed and reimbursement of the missing funds. After weeks and multiple phone calls, the account was finally closed. 
I have yet to be reimbursed for the stolen funds nor compensation for the time involved to rectify this issue. Additionally, there has been no mention of opening a replacement checking account, nor an apology by letter or phone.

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 2023-10-13 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-10-13 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief