vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Funds were withheld from my account without my authorization. I received a check but this did not begin to covered my reimbursement so I faxed a mediation request form on XX/XX/23 tracking number XXXX with confirmation of receipt. I was told by Wells Fargo that a case rep would be in touch within a week. I have heard nothing from a case representative and Wells Fargo is dragging their feet on reimbursement of funds they illegally withheld from me. I am a retired XXXX  XXXX with XXXX and need your help to get this process started

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Acct # XXXX XXXX balance {$6000.00} charged XXXX, XXXX by XXXX XXXX XXXX XXXX. On XXXX, XXXX an interest fee of {$100.00} was applied putting the max balance over the limit before the first initial payment due date as the representative stated they would not after mentioning that XXXXXXXX XXXX  did, Concora representative stated they charge interest fees after the first initial payment due date.

Concora credit XXXX XXXX XXXX XXXX GA XXXX changed an interest fee putting the account over the limit before the first payment due date as done by XXXXXXXX XXXX  charge card established on XX/XX/2023 by the XXXX practice in recent filed complant charging patients to XXXX limit with interest fees putting accounts over the limit before the initial first payment due date causing consumers credit scores impacted negatively. XXXX reported complaints against Concora credit 1,938 complaints in the past XXXX years, 723 complaits in the past XXXX months. XXXXXXXX XXXX reported complaints over 5,000 in the past XXXX years over 2,000 complaints in the past XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

Equifax, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within 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
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within 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
Consumer complaint received 2024-01-05 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-01-05 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: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
I am a victim of identity theft please remove this fraud inquiry from my 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 2024-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
I was in XXXX an the time, ,my wallet and personal belongings were stolen,,, I'm a victim of identity theft

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 2024-01-05 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: IN

Complaint narrative:
XXXX XXXX ( XXXX ) did unauthorized transaction on my XXXX account ( CASE ID XXXX ) and my American Express credit card was charged {$290.00} XXXX on XX/XX/2023. I tried to raise the complaint with XXXX and American Express but my claim was rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: MA

Complaint narrative:
I am a victim of identity theft due to data breach.

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 2024-01-05 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: MA

Complaint narrative:
I am a victim of identity theft due to data breach.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
This morning ( XX/XX/24 ) I received an email from Chime titled " You're one step away from XXXX XXXX! '' asking me to set up direct deposit on my account. This was followed up with a text message saying, " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXX  ''. I did not open a Chime account. I found Chime online to reset the password for the account that was set up. The online account included my email address, cell phone number, and home address but no additional information. I then called Chime at XXXX. The automated system gives the option for a call back or additional verification. I opted for the call back because I was not going to verify/give additional private information to this company. After receiving the call back and stumbling through the automated system I finally got a human on the phone who again wanted me to provide additional private information ( SSN ). When I told him that I would not provide this information because I did not open the account he transferred me to another department. That representative again tried to get me to provide private information, which I refused. When I refused the representative told me the only thing I can do is send an email to XXXX with copies of the emails/texts received so it can be investigated and to request account closure. I followed up with an email at XXXX, with minimal information and no attachments, to demand account closure and to request that Chime provide me with the application details and IP address from where the application originated. I received a response at XXXX stating, " Chime has closed the account in question per your request ... '' and another email at XXXX stating, " Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. '' They failed to respond to my additional requests for information, there is no way they investigated anything that quickly, and their response makes it sound like I did something wrong in the situation. I attempted to login to the online account with the password I previously reset and received a message that the account was closed. 
Based on other information I have found online, and my personal experience, I believe that this company is fraudulently opening accounts for consumers without their consent or knowledge. This is unacceptable and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
My loan contract does not have a lean holder By the name of American credit acceptance. The contract has falsified signatures that was forged by a sales representative at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: MO

Complaint narrative:
Like they do everyday, like a criminal sneaking in the middle of the night experian closed another 2 complaints without having addressed the issues but once again giving childish explanations that have absolutely nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Both other credit companies removed the XXXX XXXX fraud charges of XXXX 2 months ago. Equifax after many calls hours on the phone filling out disputes they still are failing to remove the charges, I have contacted them sent forms showing the charges were fraud from XXXX XXXX. The always lie about everything over the phone if you are lucky enough to contact them with proof. This company should be investigated as my identity was stolen in 2017 by equifax. I have excellent credit and the other XXXX companies show that. I have run out of options with these people at equifaz and their lies. I am contacting XXXX and try to get them to do something. They have the same info that XXXX and XXXX have but they still sit and do nothing this has been going on for 3 months. Please do something. XXXX XXXX I have no idea what their problem is but it needs to be fixed. asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: MA

Complaint narrative:
I am a victim of identity theft due to data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan has reported me 30 days late to the credit bureaus when I in fact did not pay 30 days late. My most recent statement said my bill was due on XX/XX/XXXX and I paid on XX/XX/XXXX. 

My XXXX payment was partially paid due to a lump sum payment earlier. When I logged in to pay the balance in XXXX I was unable to get access to the website and the company was closed. I then went to pay again on XX/XX/XXXX realizing I had missed the XXXX payment but the website said it was due XX/XX/XXXX and I made the payment right away on XX/XX/XXXX. It did not debit my until XX/XX/XXXX and on the same day I received a notification from the credit bureau that there was a late reporting. I have had this account for over 8 years and have never once paid late. I asked the company why they did not call and they claim that they did but their number shows up as spam. If they know that the number shows up as spam they should leave a message so the borrow knows who is calling. In this day and age we live in it can be very dangerous to answer or callback a spam phone number. Had they left a message, I would have known it was a legitimate call and made the payment earlier. 

This is very unfair that I have paid before my account is over 30 days past due and they are still reporting me as such. Even when trying to pay on the XXXX I had to make multiple attempts to login to the website and eventually change my username and password. There was no communication that an update was being made to the website and I wouldn't be able to seamlessly make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation