vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency. 

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX, when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I don't know my account number with wells fargo auto loan, so I included my phone number of XXXX in that section. Please provide wells fargo with that information, last XXXX of my ssn XXXX, and email address to identify me : XXXX. 


In XX/XX/2023, my car was repossessed by Wells Fargo for failure to make payments. 

Today, I went to a dealership to try to get another vehicle financed, and, they informed me that WellsFargo still has my repo account listed as open, and, until they close that account, I will not be able to receive any financing from other companies. 

So why in the 5 months has this not been closed, and, why am I continued to be harmed by the failures of Wells Fargo finance. 

Previous to my car 's repossession, I had called Wells Fargo ( i believe XXXX was still active on one of the occassions as well ), and, they were unwilling to work with me on payments despites the hardships I encountered. 

As a XXXX American I find this unacceptable. They continue to harm me as a result of their unethical actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I am trying to use an American Express prepaid gift card that was given to me. I have tried to use the card online at both XXXX and XXXX. However, the transaction does not go through at either vendor. I have searched online for a solution and found this to be a common problem with this type of gift card. 

See here : XXXX XXXX XXXX I have tried to check the balance of the gift card at the website listed on the back of the card, " XXXX '' However, this doesn't work. I also called the number on the back of the card to confirm the balance and was able to confirm that the card has a balance of {$50.00} on it ( the same as the starting balance listed on the front of the card ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Ahn Management LLC
State: CA

Complaint narrative:
I attempted to purchase with cash at a physical location where the HERMES BITCOIN ATM is located ( inside of a XXXX XXXX ) I received a notification on the screen of the ATM that the atm was not able to process the transaction therefore the transaction was cancelled : the atm never returned the cash I had put into the ATM, I called the customer service number given on the screen of the atm. 
The customer service agent refused to return my money or process the transaction to my bitcoin wallet stating that the bitcoin transaction rates were too high and they didnt want to pay for it. He refused to connect me with another customer service representative. We continued speaking on the phone for a few minutes until the customer service representative hung up the phone, when I attempted to return the call I received the notification that the number wasnt in service meaning that they blocked me. I went onto the company website because I was suspicious of their business practices. They have icons to access the terms of service and privacy policy on the homepage of their website but when clicked it takes you to a page that says the pages were deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: IN

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: IN

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXXXXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - 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 non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report XXXX XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX XXXX  XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - 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 2023-12-17 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: GA

Complaint narrative:
I submitted a complaint with Experian Credit Bureau and I see now that the company XXXX XXXX XXXX XXXX XXXX, XXXX ) Do Not have license to collect debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA. 

I need Engagement Lead/Canulation Specialist to call me directly. I have already submitted a complaint against the company and I want this to send over as well. The company DO NOT have license to collect in the state of Georgia. 

Please find the XXXX of XXXX XXXX where the company can only collect debt in these state. I demand that the account be DELETED Immediately or I will taken Legal action against Experian for violating my rights,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received a notice from Comenity Capital Bank on XXXXXXXX  responding to a notice I wrote to the company on XXXXXXXX  in regard to an account number ending XXXX being reported inaccurately on my consumer report, Your company responded back saying you investigated, and the account was accurate, I never asked for you to do an investigation on this account, I explained that the company was reporting inaccurate /incorrect information on my credit report. Since XX/XX/XXXX you have been reporting XXXX as a charge off, a charge off is considered a certificate of indebtedness and according to the IRS a charge off is considered income and income does not get reported to the consumer report and must be filed on your taxes even if it's under XXXX dollars, according to the IRS. Pursuant to 15 USC 15 1681s-2 it is Comenity Capital Bank responsibility to provide accurate information. To continue to report this inaccurate information on my consumer report is a FCRA violation. You have been put on notice that the information you are reporting is inaccurate. Your company is also in violation of 15 USC 6802, you were not supposed to share or sell my nonpublic personal information to a nonaffiliated third party for profit without my consent, XXXX, XXXX, and XXXX are all also third party nonaffiliates, you were not supposed to share my information without giving disclosure in writing or electronic form that such information may be disclose and giving me the opportunity, before the time that such information is initially disclosed, to direct me on how I can opt out of my information not be disclosed. Pursuant FCRA 15 USC 6803 you violated my privacy rights, you were to maintain and protect the confidentiality and security of my nonpublic information. even if I ceased to be a customer of your financial institution, I never gave you consent to share or sell my identifiable information you violated the Privacy Act of 1974. You are now put on notice that you are reporting inaccurate information, and you are in violation of my Federally Protected rights, as a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: CA

Complaint narrative:
Experian is willfully and knowingly reporting fraud because I supplied Experian proof of FTC reports and notarized identity theft affidavit. All negative remarks found on my credit report are a violation of the FCRA and FDCPA when they can not furnish the validity of the remark. 
I recently received my Experian dispute results. The accounts that I requested to be removed due to identity theft were in fact NOT removed. At this time, I have no choice but to invoice Experian for violations and damages. I sent a certified letter with all of the necessary documentation included. I provided a notarized Identity Theft Affidavit, my official reports to the Federal Trade Commission and proper proof of my identification. In another certified letter ( Tracking # XXXX ) I also sent subsections of the FCRA ( Fair Credit Reporting Act ) Experian is in violation of! 
Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence. 
Per pursuant identity theft within 4 days these accounts should have been blocked and deleted from my consumer report per federal law. My certified letter ( tracking # XXXX ) was delivered on XX/XX/2023 at XXXX. However, it is now XX/XX/2023 and the accounts have not been removed.

This is a direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance.

You are in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} XXXX violation per occurrence. Listed below are the violations I am invoicing for : XXXX ( a ) ( d ) ( XXXX ) ( A ) ( i ) - {$1000.00} XXXX XXXX Code XXXX - {$1000.00} XXXX ( a ) ( b ) - {$1000.00} XXXX ( a ) ( XXXX ) - {$1000.00} XXXX ( b ) - {$1000.00} XXXX ( XXXX ) - {$1000.00} Listed below are the damages I am invoicing for : Experians assumption has negatively affected my life in many ways. 
I have experienced a deep amount of XXXX XXXX  and emotional suffering. 
I have been unable to access credit, which is my XXXX given inalienable right. - {$6200.00} TOTAL AMOUNT DUE FOR ALL VIOLATIONS AND DAMAGES : {$12000.00} Please BLOCK AND PERMANENTLY REMOVE ALL ACCOUNTS THAT I SENT WITH MY NOTORIZED IDENTITY THEFT AFFIDAVIT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX - JPMorgan Chase & Co . 
XXXX, Delaware, United States Please identify when you notarized the attach assignment of mortgage and identify the name and position of the XXXX witnesses and identify your location or office where you and the witnesses were when you notarized the document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A dispute was submitted on XX/XX/XXXX for several ATM transactions that were not properly dispensed. No money was dispensed on each attempt, instead the ATM displayed an error message to contact your financial institution. The transactions are as follows : {$500.00}, {$500.00} and {$200.00} on XX/XX/XXXX. {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$200.00} on XX/XX/XXXX. An attempt was made to rectify this problem with the merchant but was told to contact my bank. TD bank ultimately made the decision to deny the disputes only 1 day after they were submitted, without citing an explanation for doing so. On XX/XX/XXXX an attempt to retrieve additional evidence was made. TD was not able to formulate how their decision had come about. No ATM logs could be located to verify authenticity of their decision. As a XXXX XXXX XXXX for, XXXX XXXX XXXX XXXX, I am very knowledgeable about Regulation E and the guidelines it entails. It is my belief that TD Bank is in direct violation of XXXX XXXX and they are not committed to their duties of putting their customers first. Again, I feel like no effort was made in this dispute process. How can a decision be made in 1 day?! Thats not even enough time to retrieve the ATM reports. Someone has dropped the ball and it could be costing customers their hard earned money! I am filing this formal complaint asking that an investigation be conducted immediately into the banks practices regarding federal regulations! I will also be seeking to retain an attorney in this matter. Absurd and ridiculous is what this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent account that has recently appeared on my credit report. I demand an immediate and thorough investigation into this matter, and I expect the prompt removal of this erroneous information from my credit file. 

I want to make it explicitly clear that I have not opened or authorized any such account, and the presence of this fraudulent entry is not only damaging to my creditworthiness but is a blatant violation of my rights as a consumer. 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand that you conduct a swift and thorough investigation into the origin of this fraudulent account and provide me with detailed information regarding how it was allowed to be included in my credit report. I also insist on being informed of the steps you are taking to rectify this situation and prevent such inaccuracies from occurring in the future. 

Moreover, I expect the immediate removal of the fraudulent account from my credit report while your investigation is underway. Failure to address this matter promptly will compel me to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I anticipate your urgent attention to this matter and request that you provide me with written confirmation of the actions taken to rectify this issue within 30 days of receiving this letter, as mandated by the FCRA.

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