vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: GA

Complaint narrative:
On XXXX XXXX 2023 try to make a purchase. my bank card was declined.there was {$4100.00} stolen out of my account. I call the bank that morning and spoke to a customer services XXXX was XXXX unauthorized charges mad in XXXX day. wells fargo refuse to return my money to my account. I have all the evidence in the world that someone got in my online banking account.the perpetrators changed my XXXX mail, my address my phone number. in my online account.they also put my debit card on their Iphone. which owned a iphon..here is my contact information please contact for more information. 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 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
WF issued to me a check for {$200.00} claiming that it was to remediate an error on its behalf that caused my house to be sold at an illegal foreclosure. I want to know exactly what the error is.

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 2024-01-08 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: SC

Complaint narrative:
I attended a work event in XXXX of XXXX  where our purses and wallets were stolen by hired event staff. Police reports were made. I begin to monitor my credit report in XX/XX/XXXX, and I have noticed accounts being reported to my report that I have no affiliation with or knowledge of. I began to research the creditors. I contacted the CRA ( XXXX, Transunion, XXXX ) requesting that these accounts be verified in XXXX. After 2 correspondences via mail and phone, non-verifiable accounts are still being reported to my credit profile. Furnishing this information to profile is in violation of 15 USC 1681B. Not once have I given any written permission or consent for these accounts to be reported to my profile nor did I have any knowledge of them. These accounts with creditors listed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never had any accounts with. Furthermore furnishing accounts to my profile resulting from identity theft violates 15 USC 1681 C-2. These accounts are affecting my credit preventing me from accessing any new lines of credit.

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 2024-01-08 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: SC

Complaint narrative:
I attended a work event in XXXX of XXXX where our purses and wallets were stolen by hired event staff. Police reports were made. I begin to monitor my credit report in XX/XX/XXXX, and I have noticed accounts being reported to my report that I have no affiliation with or knowledge of. I began to research the creditors. I contacted the CRA ( XXXX, XXXX, Equifax ) requesting that these accounts be verified in XXXX. After XXXX correspondences via mail and phone, non-verifiable accounts are still being reported to my credit profile. Furnishing this information to profile is in violation of 15 USC 1681B. Not once have I given any written permission or consent for these accounts to be reported to my profile nor did I have any knowledge of them. These accounts with creditors listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never had any accounts with. Furthermore furnishing accounts to my profile resulting from identity theft violates 15 USC 1681 C-2. These accounts are affecting my credit preventing me from accessing any new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-08 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: MA

Complaint narrative:
Im begging you please remove this to the 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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Unfortunately, CHASE BANK continues to keep sending me credit card applications for my businesses in the mail. Even though I aware that banks are required by law to provide small businesses up to XXXX, i continue to fill the applications out hoping the banks ill do what is right. After asking for my EIN and social security number, I was denied access to my own credit. Using a 3rd party company to base your decision to deny my access to my credits is Illegal. Again my social security number was included. So no 3rd party should be used as an excuse to deny me of my own credits. I expected Chase Bank to fulfill their fiduciary duties especially since asking for my social security number 42 USC 408 states that procedure is illegal. I am the creditor. ADVERSE ACTION against a consumer is against the law. According to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691C AND IS PURSUANT TO CIVIL LIABILITY UNDER 15 USC 1692K 12 CFR 1002.4- A CREDITOR CAN'T BE DISCRIMINATE AND DENY ME CREDIT Credit Card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. Each violation of Title 15 of the United States Code is {$1000.00}. I have the right to invoice these companies for their unlawful acts. 15 USC 1611- WILLFULLY AND KNOWINGLY GIVING FALSE OR INACCURATE INFORMATION IS A CRIME! I USED MY SOCIAL SECURITY NUMBER FOR THE APPLICATION AND BY LAW I CAN NOT BE DENIED CREDIT. YOU ARE SUBJECT TO CRIMINAL LIABILITY FOR VIOLATING 15 USC 1691 AS I HAVE PROOF THAT WAS DISCRIMINATED AGAINST BY THE COMPANY. DUE TO THE RESPONSE I WAS GIVEN. I AM THE CONSUMER THAT COMPLETED THE APPLICATION IN GOOD FAITH AND UNFORTUNATELY MY CREDIT WAS NOT ISSUED TO ME. I NEED A SOLUTION IMMEDIATELY! RESCIND MY APPLICATION OR RECONSIDER MY APPLICATION. I WANT MY CREDITS THAT BELONGS TO ME! I HAVE FULL FAITH AND CREDIT! NO MAN HAS THE POWER TO BREAK THE LAW AND DENY ME CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: OH

Complaint narrative:
Experian is reporting multiple closed account that should not be there. The company have ignored all my request to do a thorough investigation on verifying these errors. They use 3rd party services to immediately verify the account without actually looking into it. This company has had several complaints submitted about how they violate and report inaccuracies on customers consumer reports. I was forced to escalate after reading several reports and reviews about how Experian has conducted business unfairly in the past. They have guidelines directly on their website that they continue to violate. This has been unfair and has caused damage to my credit worthiness and reputation.

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 2024-01-08 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-08 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: CarMax, Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Contract Callers Inc. furnished information on my consumer report. I contacted them about the account and told them it was not my account and to stop reporting. They have sent me a form asking me for my personal information ( driver 's license/SSN ) to send back to them and also a Identity Thief report in an affidavit form within 30 days. I don't feel comfortable sending my personal information to this company. Please look into this issue as i have grave concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: ID

Complaint narrative:
XXXX  I had a loan for a year or so with America First Credit Union XX/XX/XXXXXXXX  I changed insurance providers who handled the notification that insurance coverage was in place with the lien company. 

XXXX - XX/XX/XXXXXXXX  There was a disconnect between the insurance company and America First not receiving the information. 

XX/XX/XXXX A few months later I missed a payment then America first bills me for the last 5 months stating I didn't have insurance and stated I owed nearly XXXX on the vehicle, and repossessed the vehicle first week of XXXX. 

I filed a complaint with the XXXX  and additionally called my insurance company requesting them to resend the information over that I had coverage. 

XX/XX/XXXXXXXX  I was returned the vehicle, just had to pay the month that was due and over XXXX XXXX dollars in repossession fees and all the other XXXX XXXX dollars that was the reason the vehicle was repo 'd over was remove from the total since I did in fact have insurance.

Additionally I had to pay for a trailer to haul, and a rental, plus travel cost to get the vehicle back traveling from Idaho to Utah.. 

Additionally when picking up the vehicle the battery was ruined and had sat dead the entire two months they had the vehicle. Additionally the repo company had dis-engaged the alarm some how and left the whole systems non functional with remote start no longer working. A several thousand dollar system down the drain. 

Now I am at wits end with the back and forth trying to get what is owed to me from the company. Being a month behind on a payment did not entitle serval thousand dollar of fraudulent insurance to be tacked on. 

As well once confronted by the XXXX  and realizing their error they returned the vehicle for the meager first month payment. Much less then the repod amount that was stated at nearly XXXX. 

I have called them several times and left complaints with their corporate offices and am not getting anywhere. The next steps are litigation. I want to make sure that a formal complaint is lodged again America First Credit Union and that this is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: AZ

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.

has violated my rights. Or a 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 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Lvnv funding Llc is reporting false information on my credit report and will take legal action if necessary. This alleged account has an opening date of XX/XX/, which is impossible as I have never had any dealings with this company at any time. It is important for credit reporting agencies to accurately reflect a person 's credit history, and I will not stand for any discrepancies or false information. I expect this matter to be resolved promptly and without further issue. Also, I have disputed this with XXXX  and they are reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
I had my account restricted for more than 1 month. I am allowed to receive to but not transfer any money. They said that the verification team needed to verify my informations but also claimed than all the informations they have from me are correct and it was just a bug from the system. My account is still on hold and nothing have been done since. I am calling regularly but it seems that no one is paying attention to the problem and I still dont have access to my money on the account. I cant even close my account as I would need to be verified for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
XXXX XXXX  {$2400.00} Requested removal of this fraudulent account listed on my credit report. XXXXXXXX XXXX failed to supply supporting documentation regarding their investigation. I requested a copy of the contractual agreement, account opening statement, information regarding the opening of this account name, address, phone number etc XXXX XXXX  failed to supply this information & is still reporting false information currently negatively impacting my credit score.

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 2024-01-08 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: GA

Complaint narrative:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 
, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear XXXX, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me deleted these illegal accounts from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 explanation