vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone was using my card in XXXX. Due to visa issues i can not leave XXXX XXXX. I never NEVER been to XXXX. They used it at enterprise, a vape store ( i dont smoke ) and a hotel. 
I called Bank of America and got a new card and disputed charges. I have proof i was at a hair salon in XXXX XXXX DATED the day they were using my card in XXXX. They still are not refunding me. I have photo evidence. I also used my XXXX IN PERSON PHYSICALLY. In XXXX XXXX on this date.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
-Remove fraudulent Inquiries from Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is against Wells Fargo, revolving around their settlement with the CFPB We received 3 letters from them saying they owed us around {$7000.00} for penalties of their wrong doings.

here are the reference numbers from WF : XXXXExact amount not known. Wells didn't/could n't tell us. 

XXXX-amount due us {$2000.00} XXXXamount due us- {$2400.00} I have no way to determine if these amounts are correct. They expect me to take their word for it. That has not worked out too well in the past. 

I have called them many times. Mostly about number # XXXX and XXXX Called once on XXXX. 

ON XXXX Called on XXXX-spoke to XXXX. It is in the process of being mailed. 

On XXXX on XX/XX/28 at XXXX XXXX  spoke with XXXXexpect it in 30 days. 

on XXXX I have called at least 5 times, that I have some notes on : XXXXLeft message XXXXleft message XXXXspoke with XXXX XXXXspoke with XXXX XXXXspoke with XXXX. 

Every time their excuses are that it is in their process, the system, and is almost ready to go out! 

I am tired of waiting, and being lied to. 

I want my money, along with a complete accounting of how they arrived at those numbers. The name Wells Fargo would be a good name for a bank

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Request for Deletion of Inaccurate Credit Card Information I am writing to dispute the accuracy of certain information on my credit card account, as reported by [ XXXX XXXX XXXX  ]. I have already made three previous attempts to resolve this matter directly with the credit card company, but the inaccuracies persist. As per the Fair Credit Reporting Act ( FCRA ), I kindly request the deletion of this inaccurate information from my credit report. 

I speak directly with the credit card company and they told me they found the issue but instead of fixing this issue it keep reporting each month inaccurately. 
I obtain a case number from the credit card company and a representative name that I speak with. Case number. XXXX. Rep Name XXXX Despite providing detailed explanations and supporting documentation, the credit card company has failed to rectify the inaccuracies on my account. This continuous reporting of incorrect information is not only damaging my creditworthiness but also violating my rights under the FCRA. 

According to the FCRA, after three unsuccessful disputes, the credit reporting agency is required to delete the disputed information from my credit report. I believe that the credit card company 's failure to address these inaccuracies adequately warrants the removal of the disputed items from my credit report. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit card company complies with the FCRA. I trust that the CFPB will thoroughly investigate this dispute and take appropriate action to rectify the inaccuracies on my credit report. 

Please find enclosed the following documents for your review : 1. Supporting documentation highlighting the inaccuracies on my credit card account.

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details.

Thank you for your assistance in this dispute.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to express my dissatisfaction and frustration with Wells Fargo Bank. I have been a loyal customer of Wells Fargo for over 10 years, and I have always paid my bills on time and maintained a good credit score. 
However, recently I discovered that Wells Fargo has cancelled my ability to repay my XXXX XXXX loan account through their online banking system. This is unacceptable and unfair, as I have been using this feature for years without any problems. I have not received any notice or explanation from Wells Fargo about this change, and I have not violated any terms or conditions of my loan agreement with XXXX XXXX. 
I believe that Wells Fargo has acted in a dictatorial and corrupt manner, and has abused its power and position as a financial institution. Wells Fargo has violated my rights as a consumer and has caused me inconvenience and financial hardship. I have to pay extra fees and charges to use other methods of repayment, and I have to deal with the hassle and stress of managing multiple accounts. 
I demand that Wells Fargo restore my ability to repay my XXXX XXXX loan account through their online banking system immediately. I also request that Wells Fargo apologize for this unjustified and arbitrary action, and compensate me for any losses or damages that I have suffered as a result. 
If Wells Fargo does not respond to my complaint and resolve this issue within 15 days, I will take further legal action and report Wells Fargo to the relevant authorities and regulators. I will also share my negative experience with Wells Fargo with the public and the media, and warn other potential customers to avoid Wells Fargo. 
I hope that Wells Fargo will respect its customers and act with honesty and integrity. I expect a prompt and satisfactory response from Wells Fargo. 
Sincerely 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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello and thank you for taking the time to help out with fraudulent transactions that Ive already reported to Bank of America On XX/XX/XXXX a transaction from XXXX posted onto my account and every other day since then there has been charges ranging from {$60.00} upwards of {$300.00} I reported these already to Bank of America and have my police report number, I was advised to hold onto these details incase the investigative team asks for it later I wanted to reach out because I havent received my credit for these transactions and any help would be greatly appreciated, thank you

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 2024-01-28 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

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 2024-01-28 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of Equifax data breach I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing helped me delete these illegal accounts for my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXthanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX account number XXXX please delete this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Total Auto Finance
State: MD

Complaint narrative:
On and before XX/XX/XXXX, I went to XXXX auto house inquiring about a vehicle after receiving many marketing calls from them regarding a vehicle. When I went in to look at a few of their vehicles, I was asked if I had a trade in, and my response was no. I was under the impression based off of website marketing and me speaking to a auto sales man that they had a special for no down payments down to get a vehicle. After picking out the vehicle I wanted I filled in a few sheets of papers in regards to the contract ( handwritten signature ) and once we were finished I received a small packet regarding insurance. After leaving the lot, I noticed I did not receive my retail installment loan and requested a physical copy. I had to go back to the lot to retrieve and saw that forms had been fraudulently signed electronically and the price on the contract was thousands of dollars off from what I was originally told. I also notice AVP - & AVP GAP included in my auto loan which I did not request, and it states on my auto loan this is optional. When confronted they stated they were not able to make any changes to the loan as it was already filled and sealed. I was requesting the clause of the retail installment agreement, and did not receive that to see where I can go to get this loan voided. I still can not get in contact with anyone from the car delearship as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have recieved 19 calls in the last 3 days ( XXXX, XXXX, and XXXX ) from Comenity Bank. All but one time they hung up on me when I answered. They were a mix of calls labeled XXXX numbers, restricted and private numbers as well as Comenity Bank. I finally had someone talk to me when I answered a restricted labeled call and they said I was past due on my payment. I had was 2 weeks past due and planned on paying the debt off on payday. I did that today XXXX. I have not missed a payment prior and I feel that I was harassed at all hours of the day interrupting my work, sleep, and family time. I feel that the tactics have been aggressive and accesive. The website to pay the bill was not accessible and I had to jump through a lot of avenues to satisfy the bill. I feel that paying the bill is so complicated that the average person would be incapable of doing so.

Company response to consumer: Closed with monetary relief