vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I was at risk of paying an overdraft fee for my Wells Fargo checking account. I requested a balance transfer from my credit card to my checking account to offset the negative balance. However, I was able to move funds that same day to my checking account and did not need a balance transfer. I requested to have the balance transfer cancelled that same day, but was told no such transfer was on my account. 

On XX/XX/XXXX, the balance transfer appeared on my account and I was charged a transfer fee. I called to have the fee removed as I did not want this transaction to go through. Wells Fargo told me they could not reverse the charge and I would have to pay the transfer fee. I attempted to have this transfer cancelled before it went through, and should not be charged a fee for a service I did not request.

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 monetary relief
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit reporting agencies are not doing investigation. They will not remove the fraudulent inquiries that are enclosing in my attachments.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the law, FCRA section 605B Equifax had mail me documentation that they needed my information from me like driver license Social Security card to identify my address which I sent them my driver license, documentation where I live! Equifax sent a stalling letter because they dont want to do the correct investigation of the XXXX accounts that I am precisely asking them to remove. They did not send me no documentation for credit collection service with no documentation of my XXXX signature and also for credit acceptance also didnt send me no documentation with my XXXX XXXX on those accounts. I precise ask Equifax to remove these XXXX accounts off my report and they still fail to remove theseaccounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged medical debt associated with the account number referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and applicable federal laws, I am requesting comprehensive validation of this debt. Additionally, I am invoking my right to cease and desist all communications related to this matter until the requested information is fully and satisfactorily provided. 

To ensure compliance with federal law, please provide me with the following documentation : Proof of Legal Ownership : A copy of the original purchase agreement or any document that demonstrates that I legally owe this debt to the original creditor, XXXX XXXX XXXX. 

Account Statements : Copies of all statements from the account 's opening to its closure, detailing all charges, payments, and adjustments. 

Proof of Licensing in North Carolina : Documentation demonstrating that Wakefield and Associates, LLC is a legally authorized debt collection agency in the State of North Carolina. 

A copy of your bond filed with the XXXX of North Carolina as required for legal operation within the state. 

Signed Contracts : Copies of all contracts and agreements bearing my signature with Wakefield and Associates, LLC and/or XXXX XXXX XXXX XXXX which authorize the creation of this debt and the sharing of my non-public personal information. 

Until all the requested information is provided, and the debt is validated per federal requirements, I am requesting that Wakefield and Associates, LLC immediately cease and desist all communications with me. This directive also applies to any communication with third-party agencies, including but not limited to credit reporting agencies. 

Furthermore, I do not consent to the sharing of my non-public personal information with any third parties. If this request is not honored, I will pursue legal action to protect my rights and seek appropriate remedies. 

Failure to comply with this request may result in violations of the FDCPA and other applicable federal and state laws. Please be advised that I am prepared to take legal action if necessary to enforce my rights and protect my privacy. 

Please provide the requested documentation within 30 days of receiving this letter. If you can not provide the required information, I expect confirmation that this alleged debt has been removed from your records and that no further communication will be made regarding this matter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
I don't recognize these addresses, please remove from my credit report 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
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, a transaction was made from my XXXX account of {$170.00} charged to XXXX separate cards on the account. It was made to XXXX XXXX XXXX XXXX of account number ( mono ) XXXX. I had reported this as fraudulent almost immediately I received the notification but according to XXXX, it has already been sent. I have contacted my bank who denied the case saying that XXXX was a third party app for transfers so they had no grounds to file a claim and I would have to reach out to the merchant. The merchant in turn has not responded to my claim even after multiple escalation and I have reached out to them almost everyday afterwards. My claim of {$100.00} was denied by Wells Fargo as of today. Im still waiting on the {$78.00} from XXXX resolution. Im so lost on what to do as I cant get to an agent at XXXX to connect me to this relevant department they keep claiming my case has been escalated to. The last agent requested that I also call my bank for a dispute and I have, today, communicated with them about the denial and they essentially told me to appeal. I tried that and bank told me to go back to merchant because no grounds to appeal. I keep getting sent back and forth

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 2025-01-31 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: AZ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
II do not believe I owe this debt to CAINE & WEINER. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them and to report this to credit reporting agencies on my behalf. I would like this removed immediately i n 4 days. Im also not sure if this debt was purchased illegally without my knowledge. If so I would love to see what company knowingly gave my information to this company without my consent. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. If an account is allegedly in collections it can not be reported as open. I also looked to see if this company is registered in Illinois to collect a debt and they are not. There seems to be numerous violations here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Over the past XXXX years Ive been disputing my credit report on Experian collections gets removed and then collections gets put back on my credit report through another collection agency. I am still currently disputing those collections,

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I am keeping getting emails from XXXX XXXX XXXX XXXX XXXX XXXX saying I need to call them every time I called them and give them more information they say they will add it to the claim I need yall to process my claim dispute and if it get denied reopen it and investigation it again because I disagree with the decision and review my claim dispute again and my claim number is Claim XXXX XXXX XXXXXXXX and here what the email says Information about your online fraud claim Inbox Wells Fargo Online XXXX XX/XX/year>, XXXX ( 1 day ago ) to me Claim XXXX XXXX XXXX XXXX XXXX XXXX We need more information to complete researching your claim you filed on XX/XX/year>. Please contact us at the number below at your earliest convenience. 

If we do not hear from you within 10 business days from the date you filed your claim, we will resolve your claim with the information we have available to us. 

You can find more information about protecting your online access and account information by visiting the XXXX XXXX at XXXX. 

If you have any questions, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. We offer language assistance services if you need them. 

Thank you for choosing Wells Fargo. 

Sincerely, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX And this Information about your online fraud claim Inbox Wells Fargo Online XXXX XXXX ( XXXX minutes ago ) to me Claim # : XXXX Dear XXXX XXXX XXXX XXXX We need more information to complete researching your claim you filed on XX/XX/year>. Please contact us at the number below at your earliest convenience. 

If we do not hear from you within 10 business days from the date you filed your claim, we will resolve your claim with the information we have available to us. 

You can find more information about protecting your online access and account information by visiting the XXXX XXXX at XXXX. 

If you have any questions, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We offer language assistance services if you need them. 

Thank you for choosing Wells Fargo. 

Sincerely, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and then give me a decision on this claim when it is investigated and reinvestigate again etc.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Lawsuit Against Experian for Removal of Inaccurate Negative Items from Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a lawsuit against Experian for their failure to remove inaccurate and unauthorized negative items from my credit report. Despite my previous disputes and requests for correction, Experian has continued to report erroneous information that has significantly impacted my credit standing.

The following are the key issues regarding my credit report : 1. **Inaccurate Negative Items : ** There are items on my credit report that are not accurate and do not belong to me.

2. **Unauthorized Inquiries and Debt Sold Without Consent : ** There are inquiries and debts on my credit report that have been sold to third-party agencies without my knowledge or consent, and I have never signed any agreement authorizing such transfers.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in consumer reports and to conduct a reasonable investigation when a dispute is filed. Experian has failed in their legal obligations by : - Continuing to report inaccurate and outdated information despite my disputes.

- Failing to verify and validate the legitimacy of the debts and inquiries appearing on my credit report.

- Negligently allowing third-party entities to report debts under my name without my authorization.

Due to Experians failure to comply with federal laws and its negligence in handling my disputes, I am seeking the immediate removal of all inaccurate and unauthorized items from my credit report. Additionally, I am requesting statutory damages for their violations under the FCRA, as well as any legal fees associated with this case.

I request the CFPB to intervene in this matter and hold Experian accountable for its non-compliance with federal regulations. Please advise on the next steps I should take to move forward with this case. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out because Ive had enough of the constant errors on my report. These inaccuracies are dragging my score down, and its costing me real opportunities. Its beyond frustrating to see mistakes that I didnt create hurt my future. It feels unfair and exhausting to deal with this time and again.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On Or around XX/XX/XXXX I notified the credit bureau agency that the balance reported on my XXXX XXXX XXXX XXXX was incorrect for this month .My current balance was {$69.00} out of {$1500.00} credit card balances .However after undergoing a investigation that wasnt properly investigated by the credit bureau agencies and not the creditor they left a {$590.00} increasing my credit utilization affected my credit score negatively.On XXXX XXXX the poor investigation lead to denial of 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On Or around XX/XX/XXXX I notified the credit bureau agency that the balance reported on my XXXX XXXX XXXX XXXX was incorrect for this month .My current balance was {$69.00} out of {$1500.00} credit card balances .However after undergoing a investigation that wasnt properly investigated by the credit bureau agencies and not the creditor they left a {$590.00} increasing my credit utilization affected my credit score negatively.On XXXX XXXX the poor investigation lead to denial of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-31 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: CA

Complaint narrative:
I had my credit pulled by the XXXX major bureaus for obtaining credit through a lender I chose to work with and in XXXX hours Ive received about XXXX calls from other lenders, offering me products and services that I did not ask for. I know that the lender did not put in my contact information when pulling the credit report. 

The fact that the credit bureaus charge a lender for a credit report and then go around and sell my contact information to other lenders is insane and a violation of my privacy. The XXXX bureaus are Equifax, Trans Union and Experian.

Company response to consumer: Closed with explanation