vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 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: DISCOVER BANK
State: NY

Complaint narrative:
Around XX/XX/XXXX, I bought an item from XXXX warehouse. The item was listed like new with packaging damage. Upon opening it, the product inside was not the same item as I ordered. I asked for a refund upon return from XXXX and they agreed to refund me when the item arrived in their warehouse. When I saw the item had arrived in the warehouse, I consulted with customer service about the refund. The agent told me I would be refunded within 2 weeks after the item arrived in their warehouse. I waited 2 weeks and contacted XXXX customer service again but they told me I still had to wait. I waited another week but I still didnt receive a refund so I contacted XXXX customer service again. They told me the same thing, that I would be refunded soon. But it seemed like I was never going to get my refund so I opened a dispute with my credit card company, Discover. Discover solved things for me and gave me the credit for the item I purchased. They said the issue was solved but all of a sudden on XX/XX/XXXX, they reversed the dispute and sided with the merchant, XXXX. They said there was not enough proof to determine the reasons for my dispute which is why they sided with XXXX. I dont understand why they suddenly sided with XXXX after so long, especially when I dont have the tracking number for the order anymore because its been so long. I feel that this is very unfair and surprising that they suddenly did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I closed my account and they kept allowing transactions to attempt withdrawals and I was charged NSF fees. 
I complained and said the account has been closed. They didnt care and let the account go negative over {$700.00} in fees then wanted me to pay them back for the bank fees. I refused so I was reported to XXXX XXXX I couldnt open an account with any bank for over a year. 

This occurred in 2011 I believe. 

Account name 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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm literally a freaking victim & this is illegal!! I've reached out several times & when I did reach out I received a XXXX customer service agent that wasn't interested in doing their jobs! I have told you people numerous of times that I was a victim of identity theft!! For XXXX sakes, the IRS HAS TO ISSUE ME AN IP EVERY YEAR SINCE 2017 due to someone accessing my info & trying too use it to file taxes!! 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I'm disgusted that this reporting agency continues to report this inaccurate information!! This has had a negative impact on my life!! If this company doesn't find the correct solution for this problem, I will be seeking legal action!!

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 2023-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged extra fees

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 2023-05-07 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: GA

Complaint narrative:
Please see ATTACHMENTS including the FULL Federal Trade Commission Identity Theft Report, Report Number - XXXX. I am a XXXX XXXX lawfully protected consumer and deserve humane trearment. I AM NOT submitting this complaint IN ERROR NOR am I submitting this claim based on MATERIAL MISREPRESENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently disputed inaccurate personal information on my credit report and did not get a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My account with XXXX XXXX was closed XX/XX/XXXX and I had clerk to verify both units was empty. Now I have a collection stating I open in XX/XX/XXXX and past due as of XX/XX/XXXX of XXXX. I have talked to them several times telling them my account was closed with the clerk in XX/XX/XXXX. I was told clerk did not close the account out correctly. I moved out before another due date and clerk stated she terminated contract and I didnt need do anything else and I didn't owe any more money. Now they want me to pay for something I didn't have and didn't use. Very unprofessional and should train employees correctly to handle such transactions to keep patrons from going through distress to prove their truthfulness when the employee did not follow through the termination accurately on their end.

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 2023-05-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently disputed inaccurate personal information on my credit report and did not get a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
First off I removed my money from the Wells Fargo due to extreme overdraft fees literally that would approve things for next to nothing then overdraft my account making me owe more than what was charged they also short my money I didn't notice it until I had to pay XXXXXXXX XXXX XXXX  and was short over XXXX dollars at my kid party also it took days to get my money 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 explanation
Consumer complaint received 2023-05-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a car loan bank account and credit card through Wells Fargo and I was charged outrageous fees and interest rates and was not credited when car was paid off along with the gap insurance it still had interest on it.

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 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Last year I went into a XXXX dealership to get pre-approved for financing. I was told by a salesman he would perform a soft credit pull. Unbeknownst to be my credit was pulled 14 times from 4 different creditor various time. Full list below. 
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 non-monetary relief
Consumer complaint received 2023-05-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dispute of Double Reporting I only had one acct with XXXX XXXX in 2019 Acct XXXX you have 2 accts on my credit report for the same day and year and amount i only the first office sent me to XXXX XXXX Mo so i think you guys put two Acct but only got one i included my credit report so you can see XXXX the other ACCT number as you can see i got double reported for 2 accts i wouldn't be able to get 2 loans same day please see to credit Agency to delete i will file legal actions also file CFPB against XXXX XXXX i spoke with XXXX XXXX Chief Complaince Officer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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 — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: OH

Complaint narrative:
I have recently reported a problem to Kik off but the account is closed and information was still being reported and I would like them to be removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Vehicle was repossessed while I had a payment plan in effect. Left without a vehicle and no way to get my kids to school or to get to work because they couldnt abide by the plan they set in action.

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 2023-05-07 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, XXXX  accounts # XXXX, # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX have 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 an account without my written instruction.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
For the past two years now, Equifax has refused to provide legally accurate updates regarding my true credit score as determined by my documented financial history with my student loan ( originally XXXX, now XXXX ) and credit card service provider ( XXXXXXXX XXXX ). 
I have previously had the same issue with XXXX, however, they recently have started providing me with timely and accurate credit score updates based on my documented financial trends. I have not missed a credit payment for over 4 years now, have an extremely low and recoverable debt ( especially since 1 of 2 debts is a suspended student loan, pending possible cancellation ), have made on-time payments, and kept my credit utilization to a low and safe percentile for the past several years, and my one and only credit card provider has raised my credit limit routinely, every three months, for the past two years. 
Attached is evidence from XXXX XXXX that my Equifax report does not match my XXXX report by an unacceptably large difference; please note which pdf file pertains to which Credit Reporting agency as determined by filename. My XXXX score has fluctuated, primarily positively, but also negatively, over the past year ; however, just like my last complaint to CFPB about Equifax, my Equifax score has unacceptably " not changed '', neither positively nor negatively over the past year. I am now absolutely determined to get this resolved and will be completely paying off the little debt I possess until my credit score is properly and completely corrected with Equifax. 
I have researched via XXXX that most people on average experience the same credit score between XXXX and Equifax, however, my XXXX and Equifax score have grossly differed for the past three years. It must be immediately determined what is preventing legitimate credit score updates, to me, from Equifax, as at this time I am by all means regarding them as being in a state of incrimination. Please investigate! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Have had an account with Wells Fargo for 9 years and have been charged an excessive amount of overdraft fees.

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 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a mortgage loan with Wells Fargo from XXXX to at least XXXX. In my divorce settlement It was in writing that my ex was not entitled to sign the house over into his name until he got the mortgage loan transferred to his name. This never happened yet every time he was late on payments, it destroyed MY credit. Somehow he was able to transfer the title to the house without my permission or signature and then it was foreclosed without my knowledge. According to my divorce decree- I was no longer liable for payment but he managed to get it transferred, and foreclosed on, all without my knowledge yet somehow I was the only one whos credit was destroyed. No one from Wells Fargo ever tried to contact me or send me any correspondence. 
Also my phone number now is 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 2023-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Dear CFPB, I, XXXX XXXX, financed a vehicle with : Credit Acceptance Corporation, At Business : XXXX XXXX XXXX XXXX At Address : XXXX XXXX XXXX XXXX, XXXX TN XXXX, On Date : XX/XX/XXXX, With Vehicle Details : XXXX XXXX XXXX XXXX XXXX VIN # : XXXX Unfortunately, my experience with this vehicle has been nothing short of a nightmare. 

Just three days after purchasing the vehicle, the engine suddenly failed on the highway, putting my life and the lives of other drivers at extreme risk. After conducting research, I discovered that this vehicle has numerous and dangerous engine manufacturer defects that have occurred with thousands of XXXX XXXX, as evidenced by the class action lawsuit against XXXX on XX/XX/XXXX. 

The engine defects cause extreme oil consumption, rendering my vehicle unusable and unsafe to drive. This defect is life-threatening and dangerous, causing significant financial losses, missed job opportunities, and XXXX. 

It is clear that this vehicle was sold to me as a lemon in unsafe and dangerous conditions. While I assume that 1 XXXX XXXX XXXX and Credit Acceptance Corporation were not aware of the XXXX manufacturer defect prior to selling, it is your responsibility as the manufacturer to recall these vehicles and provide a safe and reliable replacement. 

I trusted XXXX XXXX XXXX and this dealership to provide a reliable vehicle that customers can count on. Instead, I find myself in a precarious and very life-threatening driving situation. I demand a recall of my vehicle 's engine and a replacement that is safe and reliable. I find it also appropriate to request a temporary loaner vehicle while mine is being repaired. 

I understand that issues can arise with used vehicles, but I believe that it is the responsibility of the car manufacturer, dealership & financer to ensure that any issues are identified & addressed prior to sale. Given the occurrence of the life-threatening incidents as a result of this vehicle, I feel this is the only acceptable course of action.

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 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I do not recognize any of this inquiry.

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 2023-05-07 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation