vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc.
State: RI

Complaint narrative:
So First Credit Services Inc continues to call my number looking to collect a debt but it is not my debt it is the person who had the phone number before me XXXX XXXX. They ring the cell phone and i call back and ask them not to call. And they continue to I threatened to contact the CFPB today and they said they would stop but then i got another call from another one of their collectors. I need this to stop I am not XXXX XXXX and Id love to get a hold of this guy as the number of shady businesses he was involved in is amazing- I have been getting calls for months looking for him as change his number but I want this company stopped as ive had enough I am getting multiple calls from them as well as other Financial agencies trying to find this guy he is in debt to multiple lenders and banks and he has other financial agencies still trying to lend him money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
Equifax XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account That the late payment reporting be removed based on the inaccurate information provided by XXXX Equifax and XXXX. Under consumer law code 1681e a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please note that the reporting across all three bureaus is in accurate regarding the term length the amount due and past due amount and late payments are all inaccurately reported. Therefore Id the have the reported late payments to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My two capital one credit were closed. I have never paid my bill late or missed a payment. In XXXX I made two payments that were reversed because my bank account was had been compromised. I made the payments from my new debit card this month. Capital one has closed my account without notifying me or letting me know anything. I was not aware that my account had be compromised until I received numerous return check fees. My bank account was compromised. I can send proof of this ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
Equifax, Please see below and attached - I was a victim of identity theft and there's an unauthorized hard credit inquiry that needs to be removed immediately from : XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them 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 2023-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent SOUTHWEST CREDIT SYSTEMS a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how you have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( XXXX ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. SOUTHWEST CREDIT SYSTEMS have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, XXXX my prior, written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-27 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: NY

Complaint narrative:
I noticed an inquiry that I do not recognize and believe to be fraudulent. 

See below : XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/23 - XXXX pm XXXX received an email Wells Fargo was closing our account. Stated " the business decision has been made to end our relationship ''. 
XX/XX/23 - XXXX am PST learned that Wells Fargo had closed all our accounts ( XXXX savings, XXXX checking, XXXX credit card, XXXX loan and XXXX IRA ) all accounts were on a hard freeze without explanation - XXXX am we met with our local Personal Banker, XXXX XXXX XXXX XXXX. She was unable to get an explanation from anyone at Wells Fargo as to why they froze our accounts and ended their relationship with us. 
- From XXXX am - XXXX pm that day, we attempted to be escalated to the highest dept. within the Fraud Department and the Customer Advocacy Department. All anyone would tell us was that the bank made the decision and there was not reason why. At this point, we hired an Attorney to look into our criminal record, banking records and credit report to see if there was any red flag our fraud. Our Attorney found nothing. 
XX/XX/23 - XXXX am, met with our local XXXX XXXX, XXXX XXXX XXXX XXXX. WF released {$2800.00} of our assets to us, but made us accept cash. There was still not explanation as to why this is happening. 
XX/XX/23 - Received a call from the Wells Fargo Fraud Department, they still will only say they ended their relationship with us. No explanation given, our funds are still frozen.

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 2023-09-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i was told by workers from Experian that they do not have to validate the debt. i requested proof of debt and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Having issues with credit card companies recording incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Around XXXX I ordered some pants off XXXX paid expedited shipping it was never received but it says delivered at the time it was delivered I was in XXXX Arizona and have proof I can show flight tickets! When I got back I had no package so I contact chime and file a dispute and now they saying its valid! Its not right if I never received the product I paid for this is the second time they do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: AL

Complaint narrative:
I'm writing this to report the late payment markings on my report. It shows multiple late payments which I do not remember that I have paid late on the stated months. 
Please remove the following late payments from my report. 

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 


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 2023-09-27 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: NC

Complaint narrative:
Hi I have several inquiries on my credit report that I don't recognize and want to report them

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 2023-09-27 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: TX

Complaint narrative:
I am writing to demand the removal of inaccurate account reporting to my Consumer Report. XXXX XXXX XXXX XXXX is reporting an account that is a violation of the law. I do not give consent, written instruction, permissible purpose, authority to disclose my private or financial information. The consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal this obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This account has been paid, yet reporting derogatory in violation of the FCRA which assures maximum due diligence into reporting. 

This violation of my rights to privacy is very serious and does come with legal implications for all parties involved. I am giving in good faith opportunity to cure. Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA. This is also a violation of the criminal and tax code. 

Rather than risk liability for the hundreds of thousands of dollars in fines, fees, and penalties for these violations on the creditor, data furnisher, reporting agencies. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue. 

Have a blessed day.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Was charged {$800.00} in annual fees on two cards, {$550.00} and {$250.00} respectively. Creditor closed account mid annual fee, was told they refuse to refund charges based on either in its entirety or prorated. Was told this is not per their terms and conditions. However, in a chat the company has stated they waive fees during a 30 day period post fee being charged. American Express submitted an escalation but told me they will not reach out to me either by phone, email or by mail with the results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I made a purchase on XX/XX/23 for {$2300.00}. Original purchase was XX/XX/23. The purchase I did at the store was supposed to be XXXX months no interest however Synchrony placed it in error XXXX months on my XXXX XXXX. I am needing this corrected.

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 2023-09-27 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: CT

Complaint narrative:
XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Miscellaneous Repta. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX and XXXX & XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX Financing Company XX/XX/XXXX Experian

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 2023-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I have aXXXX XXXX XXXX XXXX  have been paying on this loan for 3 years now I have given them over {$16000.00} they have taken whole payments of {$500.00} and applied every red XXXX  to the interest I spent nine months with my principal balance not moving a red XXXX  at all I have reached out to people they have been ugly to me they refuse to give me a copy of my current contract. I originally purchased a XXXX  XXXX XXXX from the dealership that I got my XXXX  from finance through Chrysler Capital that made me bring the vehicle back and after I had signed the paperwork giving them money left a lot 7 days later I got a phone call saying I have to bring the vehicle back they want to put me in a brand new one they put me in XXXX XXXX XXXX I didn't have a choice that was the only thing that I had an option for and I had to have a vehicle they use the fact that I was a subprime loan borrower and they took advantage of me and now I owe all this money. I had my vehicle repossessed once and I paid to get it back luckily I had help to get it back but I'm about to lose it again and I can't get these people off my back I've offered them a cash lump sum settlement and they refuse to take it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: OH

Complaint narrative:
Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation