vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Buffalo Auto Acceptance Corp.
State: NY

Complaint narrative:
representative harassed me about missing a payment. I made a payment. provided medical reasons for missing payment. Yet still they stated I was behind. As I tried to pay the money was put on current charges leaving late fees adding up from missing payment. XXXX  they came and took the vehicle from my workplace while I was working. I've been receiving a letter stating the car that was {$17000.00} sold for {$6500.00} and I owe the reminder or my wages will be garnished. The vehicle had XXXX miles at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
After numerous attempts to have this fraudulent account removed from my credit reports XXXX Bank refuses to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX wire transfer on XX/XX/2024 not initiated by me was a chase fraud scammer. I went to local bank after the call and talked to a chase representative and they called to check the claim that I made and said there was nothing they can do. So I went to another local back right after and talked to the manager of the bank she made a couple phone calls and said the money was claimed by the recipient at XXXX. She said that the other bank that I went to before hers couldve put a stop to it. She called the wire department to file a wire recall after three weeks I never received a call from chase I had to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.

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 2024-03-08 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: TX

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.

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 2024-03-08 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: TX

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023, I sent a request to research a transaction that occurred on XX/XX/2023, in the claim amount of {$460.00} on your card number ending in XXXX. 

It has come to my attention that USBank has failed to uphold its duty to safeguard my finances, allowing other institutions to levy unauthorized charges against my account. Despite my efforts to dispute these charges, USBank has neglected to conduct a thorough investigation to substantiate my claim. Furthermore, they have shown a lack of attentiveness to the details I have provided. USBank has also failed to provide clarity regarding the fees associated with the transaction in question. Consequently, I urge the Consumer Financial Protection Bureau to intervene in this matter, as USBank has not taken the necessary steps to address the discrepancies between the fees incurred, the cash dispensed, and the amount originally requested.

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 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX home generator from XXXX XXXX XXXX in XXXX, FL and had it installed at my home in XXXX XXXX, FL. The home generator was financed by Sunnova XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The terms of the financing agreement was for me to make monthly payments for 18 months at 0 % interest. I have completed 15 of the 18 payments thus far. On XX/XX/XXXX, Sunnova filed a lien against my property with the XXXX XXXX XXXX XXXX XXXX XXXX stating that they have a security interest in my property due to solar panels supposedly being installed on my home. This is the third time ( once in XXXX and twice in XXXX ) that Sunnova has done this even though they have repeatedly been told that I do not have any solar panels installed on my home nor have I financed any solar panels with Sunnova. The previous two liens were removed after I contacted the company and filed complaints against them. I still do not know why Sunnova continues to engage in this fraudulent activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have set up an autopay of the statement balance into two payments, twice for every billing cycle. There are a couple of payments that were denied due to insufficient funds in my bank account. 

Every billing cycle I have paid at least half of the statement balance, including interest charge and return fee. 

The credit card company recently closed my Costco credit card account due to a couple of payment returns due to insufficient funds.

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 2024-03-08 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: Conn's, Inc.
State: NC

Complaint narrative:
After numerous attempts to have this fraudulent account removed from all my credit reports Conn appliances refuses to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-08 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: NC

Complaint narrative:
After numerous attempts to get these fraudulent inquires removed from my credit reports the credit bureaus have not removed these fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NC

Complaint narrative:
After numerous attempts to get these fraudulent inquires removed from my credit reports the credit bureaus have not removed these fraudulent inquires.

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 2024-03-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I send dispute to the bureaus and I reacieve email from them saying I'm hired credit repair company for my dispute letters. Plese review and check the accounts below : OPEN LATE XXXX XXXX XXXX {$19000.00} XXXX XXXX, XXXX CHARGED OFF XXXX  XXXX. XXXX, XXXX {$520.00} CHRAGED OFF XXXX XXXXXXXX XXXX. XXXX, XXXX {$190.00} CHRGED OFF XXXX XXXX XXXX  XXXX. XXXX, XXXX {$80.00} CHARGED OFF XXXX XXXX XX/XX/XXXX {$0.00} OEPN LATE XXXX XXXX XXXX XXXX XXXX, XXXX {$950.00} INQUIRY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank , National Association garnishment company trust account without reason or cause. The bank never provided the nature and cause for the transaction despite several calls and letters. The bank was informed of this mistake 2 days after the garnishment. The trust account banking information was shared with a third party despite not having the authority, a power of attorney over the account, custodianship was removed, and the trust was never a party to any kind of litigation. The bank also violated the Electronic Funds Transfer Act and closed the account without cause causing financial harm, stress, and hardship to me and my family. 

To settle the matter, Wells Fargo Bank , National Association was sent a registered security on commercial paper to satisfy any alleged debt to the indenture trustee. Wells Fargo, has violated the Federal Reserve Act section 16 and therefore per section 29 compensation must be given for the listed violations, return of all securities, and re-establish the trust bank account with good standing. I revoke XXXX XXXX XXXX all years and all periods of power of 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 explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation