vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone stole my whole wells Fargo account please close Identity theife

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX shows on my credit as a new account opened up in XX/XX/2022 Never had XXXX XXXX I have XXXX two different accounts I have XXXX XXXX and have been reporting fraud no one seems to respond to me Please remove this false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We were denied a low interest mortgage modification by Wells Fargo mortgage. The first thing Wells Fargo mortgage told us was that we needed to be behind on our payment before we could get any help or modification from Wells Fargo. 
By making us believe we needed to miss a payment or be behind on payments Wells Fargo misrepresented, the truth and knowingly, put us in a position where we could not qualify for a low interest government modification. Subsequently we were denied a modification because of a missed payment in 2018. I want to apply for a pay out from the XXXX XXXXXXXX settlement because of Wells Fargos misrepresentations, lies and manipulation that lead to our foreclosure.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a problem with US BANK car lease. I leased a car thru the dealer and they financed me with US BANK. I had 42 month payment and a residual of {$27000.00} to pay off the car at the end of the lease to buy it off. I had a car accident XX/XX/2022 and my car got total loss. I had already made XXXX payments and I had XXXX payments remaining. XXXX payments $ XXXX residual payoff {$27000.00} totaling= {$37000.00} My Insurance paid US BANK {$49000.00} and they profited {$11000.00}. 
They sent out a check to me for overpayment of only {$1000.00}. While US BANK profited from my accident, I had to purchase a new car at a higher rate and gave me financial loss. They should have only taken what was owed to them with the contract they had with me was the remaining payment plus the payoff to take the car. 

I did not break the lease I had paid upon agreement and was unfortunate to have a car accident. Now, I am paying extra to get another car and has put a burden on me financially.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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: OR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I consistently and constantly have to report problems so your agency and I have not gotten nothing done so I don't really understand what's the purpose of going through y'all when y'all don't even help us okay I'm submitting documents I'm submitting proof and then nothing is being done on your behalf the cfpb that's supposed to be helping us y'all do nothing this company experience is abusing my credit okay XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are higher than what they have on my account your question should be asking them why that shows that is inaccuracy on their reports it's no other way to look around it what the XXXX are we calling you people for y'all not even helping us I think y'all work together because it's baffling how people are reaching out to y'all when y'all supposed to be the father of that organization making sure they're doing their due diligence when y'all not doing your due diligence this is directed to cfpb now for the credit company experian i call report what was wrong and nothing g was done so mabe XXXX can have them explain what are all 3 credit scores are different why do the other 3 credit companies don't have a auto loan on my account and experian does this needs to be answered before 30 days im in contact with a lawyer im just keeping records and as far as the cfpb your company really don't help people.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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: OR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TranUnion is Past 60 days on there investigation I have mail them with a regestered letter and was unable to attach to CFPB profile case and attaching them again for the first time to CFPB azs well for the fourth time registered mail today SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged XXXX for a hotel night stay in XXXX for XXXX XXXX XXXX. Unfortunately this was charged to my chase freedom unlimited card at that time. When my daughter and I stayed at the hotel there was a problem with the ac that was above the bed. That ac became broken in the middle of the night and dropped buckets of water on our bed. I tried to change rooms but the hotel was booked. My daughter is XXXX XXXXXXXX and this was not acceptable for us to sleep in a bed drenched with water and the floor full of water. I tried to dispute this charge with chase multiple times with no luck and no recourse. I recently closed out my chase account and paid XXXX for the account. The remaining balance was for the XXXX which I did not agree to pay. Over time with interest the balance has increased to XXXX. Now this is being reported on my credit report as negative given the disservice I was provided with is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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:
My information was. In a data breach and multiple accounts were opened in my name I have disputed these accounts and they are still not taking it off my credit

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I opened a reward checking account with Axos Bank on XX/XX/2022 and included the promotional code XXXX in the application for their promotion of {$300.00} Bonus. I deposited total {$7300.00} between XX/XX/XXXX to XX/XX/2022 into the account following their terms of " You must have these deposit amounts within a single calendar month during the first three ( 3 ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank brand account ) to receive bonus credit. ". I believe I have met all the requirements stated in the the terms but I have not still received the {$300.00} bonus as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a card account under an open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UPGRADE, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a card account under an open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waveland LLC dba FJM
State: ND

Complaint narrative:
XXXX XXXX, XXXX XXXX Collections Dispute Great Plains Property Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to dispute the following information on my credit report. I have encircled the items of dispute on the attached copy of the report I received. 
This item Reported : XX/XX/XXXX Amount : {$500.00} Is false because I left the location with the rent paid in full through the end of XXXX. We have also never received a statement after move out or my mothers {$1000.00} deposit. In the state of SD, landlords have 21 days to provide a statement or return the deposit in which they did not. We moved XX/XX/XXXX and paid rent through XX/XX/XXXX and the deposit of {$1000.00} was never returned by the landlord. We never received any statement or the {$1000.00} deposit. The lease began XX/XX/XXXX and after XX/XX/XXXX we went month to month. A notice to vacate was provided to the landlord ( great plains property mgmt ) and all the keys were turned in and the unit was clean and left in the condition it was provided with all appliances that came in the unit, in the same working condition as upon move-in. I am requesting that the item be removed from both me and my mother 's credit reports. Enclosed supporting documents; supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : XXXX, CFPB Enclosures : [ List what you are enclosing. ]

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Card charges unmade by me and was charged for items that I did not buy. Every time I would make a payment on my credit card they would take off those payments for fraudulent items. Keeping my credit card at full capacity. I went into the bank and told them I need a different credit card, I was ordered the exact same card numbers. I decided to order a new card online and not activated it, I was continually being harassed to activate my card. I did not. My new card was activated without my consent. 
I would never get my rewards on my account. I would see my rewards grow up to XXXX or XXXX and then it would disappear bringing it down to XXXX XXXX XXXX XXXX 
I made a complaint to XXXX Police department in XXXX of XXXX. I gave them screenshots of the activity to prove my case. 
On the XXXX of XX/XX/2022, I was contacted by a Wells Fargo employee and they wanted to verify me and my complaint they asked me for my mother 's maiden name, I refused.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX ACCNT # 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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX ACCNT # XXXX

Company response to consumer: Closed with explanation