vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened a wells fargo credit card for their 0 % balance transfer offer. I applied for a balance transfer of XXXX by taking a picture of my discover card and submitting it online. This went thru per wells fargo on XX/XX/XXXX. My discover card never recieved these funds. After review wells fargo submitted the funds to someone else 's discover card number which they gave me their number and stated since it went thru to someone else 's discover card it was my responsibility to pay the XXXX. I contacted discover card and after giving them the card number wells fargo gave me they said the balance transfer did go thru but that this mistake was made on wells fargo end and I had to go thru them not discover. I called wells fargo again and was told that since the funds went thru to a discover card member that I was liable for this charge and there was nothing they could do since they can not recover these funds from discover card. I told XXXX # XXXX who I had been talking to that I should not have to pay another person 's balance and he stated there was nothing they could do. That I owed the money that was never put on my account. This is not right. I am not liable for another person 's debt. This has got to be a fraud because when I asked him how the picture of my discover card number got translated wrong he said that it was my debt still.

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 2023-08-17 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: TX

Complaint narrative:
I have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX TRANSUNION REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX XXXX XXXX AND TRANSUNION STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. XXXX AND TRANSUNION still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.

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 2023-08-17 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: CA

Complaint narrative:
This is my complaint about TRANSUNION. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

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 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted TransUnion credit bureau with a dispute letter about XXXX accounts that are not mine. I sent a letter and I called them directly. These are not my accounts and I asked them to provide me the original signatures from the companies that are reporting that I owe something. When I called they told me to call the companies but how can I call a company that I don't know and what am I supposed to say? I looked up the FCRA laws and it says that the credit bureau reporting this information must provide the original copy of the contract agreement or anything showing that it is my account. TransUnion keeps telling me to call someone when they are reporting the incorrect information and they will not provide the original contract as requested because there is no contract because I never did any had an account with these companies. Everting I called I get passed around to numerous people and no one will provide any evidence that those are my accounts. They just say call the companies and hang up. I can't call someone I do not know but since they are reporting the incorrect information they should provide some type of evidence or proff other than just saying call someone. 

I sent certified mail on XX/XX/XXXX and when I call they said even though the delivery was confirmed they need 5 days to pick up the mail. When I called back they said call the companies reporting this information but I dont know who they are nor do I have there phone number and would know what to say.

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 2023-08-17 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: CA

Complaint narrative:
On XX/XX/2023, around XXXX XXXX I attempted to deposit {$300.00} cash at the Wells Fargo ATM, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. After inserting my debit card and entering my pin, I selected DEPOSIT and inserted {$300.00} cash into the feed. I then noticed that the machine feed was not working properly so I canceled the transaction and started the process again. I then re-entered my debit card and pin, selected DEPOSIT, and inserted {$300.00} cash a second time into the feed. The feed accepted the cash deposit, but due to a malfunction started rolling over repeatedly as though it was processing the deposit without stopping. I waited approximately five minutes for the deposit to be returned or for the ATM to render a receipt. Neither happened. After that, on the ATM screen appeared a goldish/yellowish sign that read words to the effect of a " technical issue ''. I then selected " return card '' for fear my ATM card would not be returned. I immediately summoned the Security Guard at the entrance to the bank who was a few feet away. I asked him to look at the ATM to witness the problem with the machine. He then directed me to go inside the bank and inform the teller which was near closing time. The teller gave me her business card and told me to contact the Claims Department since she was unable to resolve the issue at the Branch. The name listed on the card is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Tel : ( XXXX ) XXXX ). XXXX. Around XXXXXXXX XXXX  on XX/XX/2023, I left the bank and contacted the Claims Department around XXXX XXXX  from my mobile phone. Sometime later the bank granted me a " provisional credit '' pending the outcome of their investigation. However, upon completion of their investigation, they indicated that there was no malfunction with the ATM and opted to reverse the provisional credit by debiting my account for {$300.00} which devastated my finances. I have been a long-time customer of Wells Fargo for over twenty-plus years and have never experienced anything of this magnitude. Although at times when I deposited cash at the ATM if there was a problem with the currency being wrinkled or too many bills, the machine returned the money to me. I would then re-enter the cash deposit with no problem. As a result of their decision to rescind the provisional credit of {$300.00}, I may be forced to close the account. I am heartbroken that I was treated this way by a bank I thought I had established a long-time relationship with. Apparently, they are no longer interested in my business.

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 2023-08-17 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: CA

Complaint narrative:
This is my complaint about EQUIFAX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) Sent another " Annual Escrow Analysis '' after having previously informed us that our new payment amount would be {$1900.00}. 
XXXX XXXX on the analysis indicates that our new payment amount would be {$2000.00}, however on the coupon for sending in an advance escrow payment it indicates that our payment amount will increase by {$6.00}. 
SPS has used figures under " current payment '' that represent our payment prior to the " Annual Escrow Analysis '' that was received dated XX/XX/XXXX. 
We question why SPS is allowed to send another " Annual Escrow Analysis '', in a matter of weeks, and given the above discrepancy we have little faith that SPS is handling the escrow account properly. 
In addition, the latest analysis was dated XX/XX/XXXX, to be effective XX/XX/XXXX. 
As normal, since the XXXX HAMP modification, we have paid the mortgage on the first business day of the month, hence the XXXX payment was made on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, 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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: MN

Complaint narrative:
I trust this letter finds you well. I am writing to address a matter of utmost urgency and concern that I have been facing with my US Bank account. It has come to my attention that my account has been compromised due to identity theft, resulting in unauthorized access and fraudulent activity that I had no involvement in.

I was shocked to discover that my US Bank account was no longer accessible. Upon further investigation, I learned that unauthorized individuals had gained access to my account and engaged in fraudulent transactions without my knowledge or consent. This has not only put me in a distressing situation but has also caused significant financial harm. 
I would like to emphasize that I have taken all necessary precautions to safeguard my personal and banking information. I have not shared any confidential details, passwords, or security codes with anyone. The fact that my account was still breached raises serious concerns about the security measures employed by the bank. 
I have since been in contact with your customer service representatives, and while they have been sympathetic, I have not received the level of assistance needed to rectify this situation. I have been left to bear the financial burden of transactions that were carried out without my consent. 
I understand that incidents of identity theft can be complex to resolve, but I am hopeful that US Bank, as a reputable financial institution, will take immediate action to investigate and rectify this matter. I request a thorough investigation into the unauthorized access to my account and a comprehensive review of the fraudulent transactions that have taken place.

Furthermore, I urge US Bank to work with me to ensure that the financial losses incurred due to this incident are fully reimbursed. It is deeply distressing to be held responsible for transactions that were orchestrated by malicious individuals who have taken advantage of security vulnerabilities. 
I appreciate your prompt attention to this matter and kindly request that you provide me with a detailed plan of action for resolving this issue as soon as possible. Enclosed with this letter are copies of documents that support my claim of unauthorized access and fraudulent activity. 
Thank you for your understanding and assistance in this matter. I look forward to a timely and satisfactory resolution that will alleviate the financial strain I am currently experiencing.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I hope this letter finds you in good health. I am writing to bring to your attention a concerning issue regarding an unauthorized account that was opened under my name with Bank of America. I have made repeated attempts to resolve this matter with the bank directly, but unfortunately, I have not received a satisfactory resolution. 
I discovered that an account had been opened under my name without my knowledge or consent. I immediately contacted Bank of America to report the unauthorized account and to request its closure. While I was assured that the account was closed, I am still facing ongoing issues due to the reporting of suspected fraud associated with this account. 
I wish to emphasize that I had no involvement whatsoever in the opening or operation of this account. The account was opened without my knowledge or consent, and I have never provided any personal information or electronic signature for this purpose. The bank 's assertion that my electronic signature is linked to this account is deeply concerning, as electronic signatures can easily be fabricated by unauthorized individuals. 
Despite my repeated attempts to clarify the situation and provide evidence of my innocence, I have faced challenges in having this matter resolved. The reporting of suspected fraud on an account that I had no involvement in is damaging to my financial reputation and security. I am deeply troubled by the fact that the only evidence the bank has presented is an electronic signature, which, as mentioned earlier, is not a valid basis for maintaining this record. 
I kindly request your intervention in this matter to ensure that the fraudulent account is unlinked from my name and that any reporting of suspected fraud is removed from my records. I believe that this situation not only affects my financial standing but also highlights a vulnerability in the system that allows unauthorized accounts to be opened and wrongfully attributed to innocent individuals. 
I appreciate the work of the Consumer Financial Protection Bureau in safeguarding consumers ' rights and interests. I hope that you can assist me in resolving this issue and restoring my financial well-being. Enclosed with this letter are copies of documents that support my claim of unauthorized account activity. 
Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution to this distressing situation.

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 2023-08-17 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: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation