vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I opened the Wells Fargo checking account on XX/XX/XXXX in the XXXX XXXX branch ( XXXX XXXX, XXXX XXXX, CA XXXX ), I explicitly asked the banker responsible for opening the account what would happen if my account balance drops below XXXX. The answer was that no transaction would be processed when there is no sufficient fund or balance below XXXX. However, I was charged for XXXX times the overdraft fee for transactions processed while there was no sufficient fund in my account in the month of XX/XX/XXXX. I attempted to contact the Bank by phone call, but the Bank was only willing to return one overdraft fee. I believe the bank has been misled me and wrongly charged me for a total of {$140.00} ( = {$35.00} x 4 ). It is hoped that CFPB would help achieve a just outcome for unfortunate customers such as I and retrieve the fees wrongly charged.

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 2024-07-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Just want to improve my credit rating by removing the credit dept. These have been on my credit scores for over 15 years or more. Have tried with lawyer but no results!

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 2024-07-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-07-31 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: PA

Complaint narrative:
After reviewing my credit profile. There are fraudulent accounts showing on my credit report. I am a victim of identity theft and asked that ALL items be removed and deleted to correct my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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:
After reviewing my credit profile. There are fraudulent accounts showing on my credit report. I am a victim of identity theft and asked that ALL items be removed and deleted to correct my credit profile

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your help regarding an inaccurate account on my credit report. This error has negatively impacted my reputation, and I am reaching out for your assistance.

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 2024-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Westalke financial is sueing me for a debt I no longer own due to them selling my car after repossession & neglecting to help fix my car after signing lease. Car had transmission problems & they did not check car before I bought vehicle and resulted in me loosing my job and facing hardships in life. I can not buy another vehicle because they are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
Sent Transunion a dispute letter in XXXX with proof of my address, SSN card and a bank statement with my current address listed on it, they sent me a stall letter in XXXX. I again sent Transunion a second dispute letter with a copy of my government ID, SSN card and bank statement with my address on it. Transunion received my dispute letter on XX/XX/XXXX, it has been 40 days and Transunion is the only credit bureau that has not responded to my request for an investigation into disputing inaccurate information in my 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 explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
XX/XX/XXXX I purchased a vehicle from XXXX for XXXX. I applied for Financing of XXXX. However the vehicle was unsatisfactory after an inspection and returned to XXXX as per their policy of accepting return of vehicle for cancellation of sale under a seven day guarantee of full cancellation. XXXXXXXX XXXX  loan subsidiary Bridgecrest finance company has failed to cancel loan or back it out despite numerous correspondence and communication from myself and XXXX 's customer service informing them beginning XX/XX/XXXX that the car was returned as per their policy and sales was null and void. Last communication was XX/XX/XXXX via internal communication from XXXX to Bridgecrest for the purpose of ensuring the closing of account before any payment became due. Bridgecrest refuses to correct their mistake and has informed credit agencies that a loan is in effect and has not to date cancelled loan for an automobile returned within required period or a transaction that has not been finalized but cancelled as per their return policy guarantee. I have exhausted all efforts to resolve this matter even contacted the XXXX  to no avail. I recently received a call on XX/XX/XXXX from their collections informing I failed initial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
EVERYTHING THAT I HAVE SAID BEFORE IS HAPPENING NOW BUT ALSO WITH MY CREDIT AND MY CARDS FROM ALL MY BANKS GETTING SENT BACK AND ILLEGALY CANCELED BY SUSPECTS THAT HAVE NO AUTHORITY IN THESE MATTERS AND ARE GRADE A FELONY GOVERNMENTAL CRIMES PLEASE KEEP IN TOUCH WITH ME AND RUN FULL INVESTIGATIONS ... BECAUSE THERE IS ALOT INSIDE THE JUSTICE SYSTEM THAT IS INTERNALY CORRUPT AS WELL I HAVE GOTTEN NEW INTEL AND EVIDENCE ... THATS WHY THEY KEEP SAYING THEY DO NOT SEE NOTHING WRONG ... ..I CAN BE CONTACTED AT XXXX XXXX XXXX OR AT XXXX PLEASE DO NOT SENT ANYTHING TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR THEY MIGHT BE INVOLVED AS WELL.. THANK YOU AND HAVE A BLESSED DAY .. AND GOD BLESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/year> I went to my bank to get funds from a CD I had with them and was told they could not find any information pertaining to my CD account. On XX/XX/year> I contacted customer service at Wells Fargo and was told that they would not be able to help me with collecting my money because they couldnt find any records. The CD was originally purchased 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 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Date : The year of XXXX : Fraudulent charges were debited and credited from my account while I was XXXX  and XXXX  compromised by XXXX Date : XX/XX/XXXX - Lawsuit filed against me, XXXX XXXX for Best Buy ( Citibank ) XXXX credit card debt Date : XX/XX/XXXX : Papers were served to me at my home at XXXX XXXX XXXX, XXXX, TX XXXX XXXX of debt : {$14000.00} Summary of Actions : XXXX falling XXXX XXXX XXXXXXXX that compromised XXXX XXXX XXXX XXXX XXXX XXXX  my identity was compromised along with several of my credit cards, among them were Best Buy XXXX and XXXX. 
XXXX filed for identity theft with the credit bureaus under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial.

3.The creditor, Citibank sold of transferred the debt to XXXX XXXX XXXXXXXX XXXX Delaware, which further sold or assigned the debt to XXXX XXXX also in Delaware ( see attached assignment papers ) XXXX am now in the process of filing a response to the lawsuit by XXXX  ; however, I need you to intervene for a dismissal of these charges, since I can not afford legal representation as of my currently depressed financial state.

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 2024-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: TX

Complaint narrative:
I am not liable for this debt with IQ DATA INTERNATIONAL IN. I do not have a contract with IQ DATA INTERNATIONAL IN. They did not provide me with the original contact as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: MD

Complaint narrative:
My check was washed and cashed by a thief in XXXX. I didn't learn about the fraud until XXXX. Wells Fargo won't honor my claim because I didn't file it before I knew I was a victim. They also say I'm at fault for not reviewing my bank statement, even though the bank statement doesn't include the name of the payee.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-31 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 reviewed my experian credit report after disputing under 15 USC 1681b ( a ) ( 2 ) and found that my dispute was no longer under investigation. I am writing again to report a new violation in addition to FCRA 1681b ( a ) ( 2 ). 
I have a right to privacy and FCRA states a credit reporting agency ( Experian ) can not furnish an account without my written instructions to report - XXXX XXXX XXXX 
Additionally, under FCRA 1666 ( b ), a creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. The law states initial disclosure within 21 days and this is a violation under Timing of Payments FCRA 1666b. 
This also is an additional violation under the Fair Credit Reporting Act.

Please correct and update my records to reflect I was not late in accordance with FCRA 1666b or delete account in its entirety.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On or around XX/XX/year>, PenFed Credit Union drastically reduced my credit by about {$4000.00} ( $ XXXX to $ XXXX ) shortly after I made a large payment toward my balance of about {$4000.00}. When I called them to ask why they did this, they said they did an " automated review '' of my account and the systems concluded that my limit should be drastically reduced. My history with this company has been spotless. I never missed a payment and tried to maintain my account in good standing. I never went over my limit. The reason I paid the large payment was that I am trying to get my credit utilization down to improve my credit score. I feel like the company took advantage of my large payment. Their reasoning also included that " they are coming down hard on credit limits ''. Given that my account was in great standing, I feel this is unfair. They gave me no avenue to get back my credit limit back to what it was before.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
see transunion and XXXX  in XXXX XXXX XXXX. tired of transunion XXXX with my credit score. TU just made homeless playing with credit score for no reason. how in the XXXX you go from XXXX XXXX XXXX to a lousy XXXX credit score and you have done nothing like be XXXX enough to go get my XXXX back in deb after bankruptcy. WHAT STUPID PERSON DOES THAT? 
EXPERIAN AND TU BOTH can explain this to a Ohio, XXXX XXXX courts XXXX. 

I am going to fight like XXXX to get this mess they have caused me corrected. 

XXXX has their INFO right. I am coming for these two credit bureaus and yes I am going to file DISCRIMINATION YOU BETTER BELIEVE IT. 
I am also going to be adding the consumer protection to my law suits for allowing these 2 credit bureau to not follow US federal unfair credit act.

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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX, XXXXXXXX XXXX  I received a charge titled : " reverse disputed item. '' The amount was $ XXXX. My account balance is now $ XXXX and Discover is preventing use of my account because they claim that the balance is negative. I originally filed a dispute for two fraudulent ACH transactions, and in response they opened an investigation, closed my account, and reopened a new one in its place for security purposes. When I called today on XX/XX/year>, after a brief period of not checking my account balance ( NOR USING MY CARD OR ACCOUNT AT ALL ), they claimed that they decided that an investigation regarding two ACH transactions I disputed was not legitimate, MONTHS after it was filed. With NO notice. I received no letter to either my old or new address on file with the company. The supervisor that I spoke to ( after having an unhelpful conversation with a regular staffer in their disputes dept. ) kept repeating that " [ I ] was made whole '' and was very vague as to why they took provisional credit that I was entitled to off my account. They claim provisional credit was put in after I filed the investigation and they closed the dispute against my favor, WITH NO NOTICE OR EXPLANATION. They have allowed fraud to happen on my account and are telling me I owe them {$4600.00} and have a set amount of time to pay them. I want my account balance restored to wherever it should have been before they charged me {$8600.00}. It should be in the positive. I was taken from by Discover and they refuse to do anything but send me the letter only now, explaining why I " owe them money. '' They told me I can " submit supporting documentation, '' which they know I have none of due to the nature of fraudulent charges. I could only provide them a screenshot or a bank statement and they have the power to decline it once again and steal from me, just as I was originally stolen from when someone made two massive ACH transactions with my account. I need help restoring my account and helping me with Discover 's fraudulent, non-transparent, negligent, and dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
Company reporting income on my consumer report and committing tax fraud

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company reporting income on my consumer report and committing tax fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
Company reporting income on my consumer report and committing tax fraud

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