vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We ( I and my wife ) have a savings account with Wells Fargo Bank. My social security payments are deposited into this account every month. I needed money for our home repair. I checked the account and found money was missing. Then I checked each month 's statement. I found someone withdrew {$5400.00} from this account on XX/XX/2022 from a branch window. I contacted Wells Fargo by phone. Wells Fargo mailed a copy of withdrawal slip. My name was misspelled and my signature was copied. Teller, apparently, did not verify identity of that person. Location of the branch was unknown to me. Wells Fargo closed this account due to fraudulent activity and opened new one for us. Claims department is now refusing to pay.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( XXXX  XXXX XXXX  XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX  XXXX XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX  XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX  XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX  XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Financial received three checks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Financial claimed they did not receive XXXX XXXX XXXX  of {$2800.00} although I have receipt of all checks received by Ally Financial. They claimed there was no record XXXX XXXX XXXX. I called back after being hung up on and continued to inquire about the check. They gave me a false check number and later confirmed they did, in fact have the XXXX XXXX XXXXXXXX and posted it to my account immediately after I called back many times inquiring about this false check number ( XXXX ) they gave me. Again, although they claimed they never received or had any records of XXXX XXXX XXXX they immediately posted it after I inquired about the false check number I was given. Now Ally Financial is going into my account reallocating money. I did not give Ally Financial permission to reallocate any money from my monthly bill towards the principal. Ally Financial claimed that it is a policy in the Vehicle Service Contact but later confirmed that there is no such Policy. Now Ally is claiming that this is their Policy to have all cancellation refunds reallocated to the principal. However, they are refusing to give me this in information in writing. This specific Policy that Ally Financial is claiming exist is nowhere to be found Online and is not in my terms and conditions of my loan. I would like Ally Financial to stop posting things on my account and to stop reallocating money in my account without my consent. Each time I call I get told false information from the Auto Loan Department. They have displayed extremely unprofessional behavior and loud talking in the background. I have a recording of them laughing in the background on my voicemail.

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited {$1300.00} on XX/XX/23 expecting my funds the following Monday XX/XX/23. Wells Fargo said that the check my employer gave me didnt have funds from my employers banks which isnt possible since I havent had issues in the past. So Wells Fargo put a hold on my check I deposited on the XX/XX/23 until XX/XX/23. This causes me not to be able to pay my rent, get gas, or feed myself for 12 days after I was paid.

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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
constantly receiving harassing phone call from collection department. insulting comments. very disrespectful tone & words

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The XXXX Ultimate Rewards card is a scam. I keep receiving fees on a credit card that I have already paid off. I have to login into the comenity website to find my statements and by the time I do that, my bill is late, the interest rate is straight up robbery. They don't even email you your bill in time, you have to go look for it if you signed up for " paperless statements ''. When the associate at XXXX told me about their card, I was promised monthly gifts every time I used the CC. The last few months I went in to XXXX to pick up something small, I asked XXXX of their associates about it and the girl behind the counter was like, " sorry, we don't have anything ''. You don't get any gifts or rewards they promise. This company needs to be under investigation. EVER EVER EVER sign up for this horrible credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX  XXXX XXXX. 
I paid off this account but its still showing that I owe a balance. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is CITY OF XXXX XXXX. 
I paid off this account but its still showing that I owe a balance. 

XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX  XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern : I have been a capital one savor XXXX credit card customer since XX/XX/2022. At the beginning part of my financial journey with capital one, I was employed and utilizing my credit responsibly with on time payments and usage. 
In XXXX, I lost my employment due to ended contract, which left me financially unstable and unable to make sufficient payments. I was in communication with representatives at capital one in attempts to make minimal payments to avoid further negative action ; I was reassured the communication I had would alleviate a consequence of closing of my account. Within XXXX, XXXX, XXXX, and XXXX I was calling XXXX times a month to make payment whenever I could and then around XX/XX/XXXX, I received a letter that my account was closed. The later was dated for XX/XX/2022, and I had just spoken to someone from capital one a couple days prior without any knowledge of potential closing. I understand my account was closed due to returned payments from a closed account ; an account that closed due to my financial issues at that time. I am re opening that checking account and begging for a reopen of this account. 

I spoke with XXXX another representative after finding out the account was closed. I expressed my frustration given the situation and was told to re open another credit card account. I explained to the representative that once you have a closed account, it is not very easy to establish credit again. I proceeded to ask the representative have you ever had a credit card? They responded no. At that time, I realized that the person I was speaking with does not understand the severity of the matter given their lack of experience. I spoke with several representatives from XXXX to XXXX in which there was a form of a language barrier within communication. This is not solely my complaint but it is definitely a part of the reason my issues with payments were not thoroughly documented or communicated appropriately through the Capital one system. 
Therefore, I decided to mail a letter to general correspondence. I attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
NEW & UPDATED INFORMATION ON TRANSUNION On XX/XX/XXXX I submitted my complaint on Defamation of Character to TRANSUNION CASE NUMBER : XXXX On XX/XX/XXXX on XXXX TRANSUNION Received my information to move forward with the re-investigation ( I Included my proper identification in attachment pursuant to 15 usc 1681h ( a ) ( 1 ) ) On XX/XX/XXXX I received a letter from TRANSUNION stating that my correspondence is from a third party, which is false! The correspondence is directly from me.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called Experian to take off wrong address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to identity theft and they refuse to remove inaccurate information according to the fair credit reporting laws ensure that bureaus report only 100 % accurate credit information.

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
Usually when an account is 90 days late it's your car will be considered for repossession. 

My account is NOT 90 days late and my BALANCE OWED is less than {$1000.00}. 

Hyundai Finance has locked my account so that I will not be able to make any payments and once my account is considered 90 days past due, they can repossess and make more money by charging fees to obtain the vehicle 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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased my vehicle from XXXX XXXX XXXX XXXX and got the loan through Wells Fargo. They added double gap insurance on my vehicle and added other random charges to my loan. I have my own gap insurance and I have tried to get them to drop the gap insurance since I purchased the vehicle in 2020. Both Wells Fargo and XXXX of ft XXXX have not resoved the issue. I got behind on my payments because they are {$640.00} a month. They tried to charge the payment to my bank account three times in one day and then told me i can no longer make payments through my bank account. Then they locked me out of my account to make it harder for me to make payments. I have since threatened to file a complaint with CFPB they said they were restructuring my loan. I didn't hear anything back from them for 3 weeks so I Finally called then and they said they were trying to get a hold of me and sent emails but this is not true. All I want is to be reimbursed for all the years I was paying for the gap insurance.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
upon reviewing my credit reports i discovered an account and hard inquires i didnt apply for credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Mercury Technologies, Inc.
State: AL

Complaint narrative:
On XX/XX/2023 I tried to open a Business Checking Account. So I up loaded all my documents and information that was asked of me. So, XXXX XXXX  decided to deny me so I tried to call but could not by phone. So I proceeded by sending a email asking why and they could not give me a reason why I was denied. As a citizen I have a right to now why and would not provide that information to me. So that is why Iam doing this compliant.

Company response to consumer: Closed with explanation