vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: AL

Complaint narrative:
Experian reported 24 incorrect items on my credit report. And still to this day refuses to remove other items as demanded. 

Experian has been invoiced for the amount of {$24000.00}. 

In XXXX XXXXXXXX XXXX XXXX XXXX Experian Information Solutions , Inc., the U.S. Court of Appeals for the XXXX XXXX recently ruled that a consumer does not have to prove actual damages to recover statutory damages for willful violations of the Fair Credit Reporting Act. 

I have attached the approriate document containing the invoice below.

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 2024-01-19 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: NJ

Complaint narrative:
This Company is reporting inaccurate and information I did not give consent to report. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the consumers right to privacy. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies do not have my consent to furnish this information nor my written consent. 

Any and all consent to, whether it be verbal, implied, written, or non-verbal is revoked! 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

They never informed me of my right to exercise my nondisclosure option.

They are reporting again without my permission which is against the law.

A consumer may exercise the right to opt out at any time. I am opting out of having my CREDIT USAGE '' and " REPORTED BALANCE '' reported on my file, ON ALL OF MY 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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, i am victim of identity theft. please remove this items attached.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I have a loan with One Main Financial and its been ongoing since XXXX XXXX. With my payments It seems that I unable to pay it off due to the interest. I recently also went on XXXX XXXX XXXXXXXX starting XX/XX/XXXX and sent corporate all the paperwork they sent me, but I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part XXXX ). On XX/XX/XXXX XXXX said that there was insufficient funds and the money would be returned, see Part XXXX  attachment. However there was plenty of funds in the Wells Fargo. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/24 ( ticket # XXXX, see attachment Part XXXX ) ). On my sofi account it showed a + {$30000.00} on XX/XX/XXXX, see part XXXX attachment and then a - {$30000.00} on XX/XX/XXXX ( See part XXXX attachment ) indicating they sent money back to wells fargo. The money never showed back up on my wells fargo account. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part XXXX attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part XXXX attachment ). The original {$30000.00} is still missing and on my XXXX  account I have XXXX separate - {$30000.00} transaction debits from wells fargo ( Part XXXX and XXXX attachment ). 

To be as clear as possible, there is XXXX debits of {$30000.00} on my XXXX account, but only XXXX credit of {$30000.00} to my Wells Fargo account. I am concerned that the internal error ( Part XXXX ) at XXXX  caused this missing {$30000.00}. I am still missing {$30000.00}. The money that was debited on XX/XX/XXXX at XXXX for {$30000.00} never made it to Wells Fargo.

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 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2024 XXXX XXXX has made an " Individual Inquiry '' into my personal Transunion credit file after I have used " Check your rate '' tool on their personal loan page XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, when I have realized that instead of " soft inquiry '' XXXX XXXX  did " Hard inquiry '' I have reached out to the Personal Loan department over the phone around XXXX XXXX. Associate I have spoke with failed to provide me the reason for the inquiry and instead suggested that I should " just dispute the inquiry with the credit bureaus ''. After verifying that there are no existing applications within their system she transferred me to their " Consumer Credit Dispute '' department from where I have been transferred once more with no luck to resolve my issue. 

Meanwhile, my credit score as per XXXX XXXX and XXXX XXXX XXXX tools has decreased by XXXX due to this inquiry. 

XXXX XXXX search shows that there are many people in the same position and complete failure on behalf of the XXXX XXXX  to : A ) fix the issue in their system to stop this from happening ; B ) take necessary steps to address existing concerns.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
On XX/XX/2024, I was a victim of a scam. Everything started with me having a problem with my XXXX account. I looked up a number to call and I came across a number on google. When I called the number found, I spoke to someone who impersonated a XXXX agent. They informed me that my account had been locked because I hadn't completed the verification process. They added that they were willing to help me solve that issue. This is how they proceeded to ask me personal information and ask to remotely access my computer to help me better. They had me go to my bank account ( Wells Fargo ) that was linked to my XXXX account, then had me initiate some money transfer from my bank account to XXXX for the amount of {$700.00}. Then they had me go on metamask and had me create an account with XXXX and XXXX, passing all the verification process. That was supposed to make the security features strong so in case my account was hacked it would have been difficult for the hackers to access it. They then transferred {$1100.00}, {$1400.00} and {$1400.00}. The money was supposed to have been sent to my XXXX account then back to my checking account. When I questioned the amounts, they kept on saying that it was what the computer generated and not to be worried because the money was going to be deposited back into my checking account.But as time went by I realized that no money was being sent back to my checking account, and that they were actually draining my account buying cryptocurrencies and moving the money to digital wallet. I started to record the phone call then. I try to contact my bank via chat, sending help alert but the chat was not available. I then, call the bank to explain what happened and to ask them to stop the payment but I was told that because they were made with a debit card, there was no way to stop them and I was instructed to file a claim, which I did. I was tricked into believing that I was making legitimate transaction and now my bank rejected my claim and I just can t afford to lose all that money that I worked hard for to the hands of scammers. What is more, since I had opened my account I never spent such a large amount ( {$4700.00} ) within minutes, which is already a red flag. At this point, I feel really disappointed in my bank and I do not feel protected. I do not agree with their decision and I do not understand how they came up with the conclusion that no error had been made, how they are denying the fact that I was scammed.

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 2024-01-19 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:
DISPUTE LETTER AGGRESSIVE CREDIT REPAIR LETTER SECTION 609 ROUND 1 The following account need to be removed immediately : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX, 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 an account without my written instructions. 

Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 This inquiry was made without my knowledge or consent, and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed.

Under the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the address. 
Sincerely, 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 2024-01-20 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: IL

Complaint narrative:
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 reports 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 delete these illegal accounts from my credit reports. List all those negative accounts from your XXXX credit reports. Account names and account numbers and file Your complaint with the CFPB

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 2024-01-20 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: IL

Complaint narrative:
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 reports 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 delete these illegal accounts from my credit reports. List all those negative accounts from your XXXX credit reports. Account names and account numbers and file Your complaint with the CFPB

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 2024-01-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I was contacted by a web developer who said they were able to develop a website for my new business. We started the website on the same day XX/XX/XXXX. Throughout this time I started to realize slowly and slowly that this is a scam I found out it was a scam by searching up the business address on XXXXXXXX XXXX and seeing that many people are complaining of never seeing a product from this company. I also seen that it was a residential address and many said that it is likely that this is XXXX Scam artist once I realize it was a scam. I demanded a refund for XXXX dollars in which I was charged on XX/XX/XXXX. One of the reasons I also filed a dispute is because the agreed-upon time was 15 to 20 days as stated in the contract and with a refund policy that allowed me 100 % refund for any dissatisfaction that I may have I filed the dispute once they were still playing games and acting like they are still doing the website with no actual proof however, American Express found me liable to pay the amount. I was extremely confused on how this happened, because there was no proof that they actually performed the service for me because they never have until I requested a documentation from American Express and they showed me a documents which included a false contract a contract and never signed. It was a false contract different from the one I actually signed knowing this is a felony in all 50 states I proceeded to contact American Express and uploaded different documentation after reopen the dispute, showing the difference in contracts and how the merchant uploaded a fake forged contract using my signature which again is a felony or 50 states American Express proceeds to decline me once again confused on how this is possible even though I showed them a fake contract and the merchant uploaded links leading to my website. However, if you press on these links, they do not work because the website does not exist. I am once again opening up another dispute with American Express this time uploading, a police report for faking my signature and changing a document after signing. I filled for a Dispute 72 days after the start of the project meaning I already gave the merchant an extra 50 days to complete the project however, a total of 72 to 75 days I did not see any proof of a functioning website. The name of the merchant is XXXX XXXX XXXX XXXX. Their website is https : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, I received my credit card statement with my billing cycle that ended on XX/XX/XXXX. The statement included purchases made from XX/XX/XXXX through XX/XX/XXXX. On my statement, I show I was charged a minimum charge of {$2.00}. Assuming this is interest but Im thoroughly confused and not following why I would have an interest charge. 

Ive been a customer since XXXX and had checking accounts even prior to that. I recently had a 0 % interest promo on charges made up until XX/XX/XXXX. That promo was 0 % on those purchases until XX/XX/XXXX. Unfortunately, I made two small charges on XX/XX/XXXX and XX/XX/XXXX that posted on or before XX/XX/XXXX, which was the last day of my billing cycle. 

On XX/XX/XXXX, I made a payment of more than the minimum charge for {$110.00} that satisfied the payment due for the XX/XX/XXXX through XX/XX/XXXX statement period. 

I placed a call today and spoke with XXXX, I believe is how you spell her name. After talking through it together, it makes no sense why the {$2.00} was charged. She spoke with her manager and the manager states the {$2.00} is valid for the two charges made on XX/XX/XXXX and XX/XX/XXXX. I disagree on this for those charges are technically due to be paid up until XX/XX/XXXX per the statement I received today but now Im at odds and scratching my head as to why interest is charged up front when Im not even given a chance to pay my bill.

I ended the call still frustrated and felt not getting anywhere. To date as of XX/XX/XXXX, I have yet to receive a phone call back or an a acknowledgement of my email I sent the evening of XX/XX/XXXX. If I truly owe the {$2.00}, I will rightfully pay the charge but I really need this explained to me for it doesnt make sense. I agree that I should be charged interest if I dont pay off those two charges from XX/XX/XXXX and XX/XX/XXXX by the due date of XX/XX/XXXX since those charges are past the XX/XX/XXXX deadline for the 0 % promo. 

Logically speaking, if I made a purchase today XX/XX/XXXX for {$10.00}, it wont be on my statement until I receive the statement in XXXX for charges from XX/XX/XXXX through XX/XX/XXXX. Does this mean, I should expect another {$2.00} charge based on my {$10.00} charge if I dont another balance besides my balance for the 0 %? 

I request that a manager give me a call and walk me through this for I did not feel my issue was resolved this evening and feel it wont be resolved even after a request was opened to waive the {$2.00} as a one time courtesy. Not sure how this is a courtesy refund but a mistake from the system. 

I made a payment as of XX/XX/XXXX for the XXXX small charges so now I worry the payment wont even be applied correctly. Ive lost all trust in Commerce Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
There is a fraudulent item on my credit file I have not went to the doctors office in years more or less the XXXX XXXX No one had permission to share or use my identification or share medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In compliance with 1666b, the timely elimination of these late payment remarks is required.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Pursuant to 1666b, it is imperative to swiftly remove these late payment remarks.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This amount was paid and its reflecting my account as collection.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I deposited a check into my Truist account with a large sum due to a car sale on XX/XX/XXXX, the funds where released in placed into the account in full on XX/XX/XXXX. Ive been calling since the money was released and they have been giving me the run around. They closed the account and locked my access online and debit card access. Ive talked to the fraud department numerous times and they always try to push the date back. Ive called 4 times since the XXXX. I have a video of my account and the amount inside the account.

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