vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from Wells Fargo that there was fraud detection coming from my checking account. I checked, and saw that there were 8 transactions equating to {$630.00}. They include : 1- {$10.00} ( XXXX XXXX ) 2- {$7.00} ( XXXX XXXX ) XXXX {$46.00} ( XXXX  ) 4- {$120.00} ( XXXX ) 5- {$97.00} ( XXXX ) 6- {$20.00} ( XXXX XXXX ) 7- {$64.00} ( XXXX XXXX XXXX ) 8- {$260.00} ( XXXX  ) As soon as I saw these transactions were pending, which werent made by me, I immediately called the freud detection number provided on the email. The guy had me read out all of the amounts to him so he could file a claim, he deactivated my card, and said he was going to ship a new card to me. On XX/XX/XXXX, XXXX of the transactions got approved ( the XXXX, XXXX, and XXXX ). Because of this, I called the bank again and asked why they got approved if my card was deactivated and they gave me {$64.00} back onto my account as card provision. The rest of the 6 amounts were under investigation. I then called the bank on XXXX  and asked for a status on my claim, and they said it was closed, yet they never sent an email or any notification. I asked why it was closed and if I would get my money back and they said my claim was denied. I went back and looked and saw that the one single purchase of {$7.00} at the pod market was actually me, but I wasnt aware that it got added to the claim, so because my card was chipped, accepted, and was in the hands of me when all of these transactions occurred, the bank denied my claim request because they said that I made a mistake of putting one of my actual purchases on the claim. While I do accept responsibility for mistakenly adding that purchase to the claim due to the fact that I was reading off all of the pending purchases to the man on the phone, this happening to be one of the pending purchase, I do not feel as though my entire claim should be denied, and that I should lose all of that money that was not spend by me. If they went in and investigated all of the other 7 transactions they would see that none of them were made by me.

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 2023-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: GA

Complaint narrative:
On XX/XX/ I was defrauded out of my home at closing for {$130000.00}. The loan and promissory note were hypothecated ( seperated ). I am currently facing fraudulent foreclosure and eviction of my property of XXXX XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NY

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-05-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-05-04 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: NJ

Complaint narrative:
Dear Experian, I am writing to dispute the inaccurate information in my credit report that you have reported to hurt my credit score. Specifically, your report indicates that I have an installment loan account that is open, but in fact, this account has been closed. 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) grants me the right to receive accurate information on my credit report. According to the FCRA, credit reporting agencies must ensure that the information they report is accurate, up-to-date, and complete. Any inaccurate information can damage my credit score and cause harm to my financial reputation. 

The FCRA also mandates that credit reporting agencies must investigate any disputes brought to their attention by consumers. As such, I request that you investigate the inaccuracies in my credit report and correct the information as necessary. 

Furthermore, I would like to remind you of the requirement under the FCRA that credit reporting agencies must provide consumers with a free copy of their credit report once every twelve months. I request that you provide me with a free copy of my credit report so that I can review the accuracy of the information. 

In addition to the FCRA, there are also other consumer protection laws and codes that protect my rights as a consumer. These include the Consumer Credit Protection Act, the Truth in Lending Act, and the Fair Credit Billing Act. These laws mandate that credit reporting agencies must adhere to strict standards of accuracy and transparency when reporting credit information.

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 2023-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
wells Fargo and other banks and mortgage companies should not be allowed to go outside the amortization that they have created and cause Consumers to struggle with their payments. This is an unfair practice that should be stopped and funds they have stolen returned.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
I received a check when I was homeless to become a mystery shopper. I did it. But bank after cashing it said it was a scam. XXXX XXXX and to have these things happen, I cant pay for because its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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:
The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately

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 2023-05-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately

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 2023-05-05 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: FL

Complaint narrative:
XXXX 2 LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX 2 LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
XXXX closed accounts Fraudulent accounts Which is generally defamation my name. I have tried several l times to correct this matter with both closed accounts. I tried to contact for fact finding!!!! XXXX XXXX  unknown account XXXX XXXX I was minor ..... Which is consumer abuse ( XXXX needs to do a XXXX because i have not receive any form of payment in any form. This is negligent violation. I have over XXXX XXXX inquires on my credit file. 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 all inquries are double

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I went to PNC Bank at XXXX XXXX XXXX to make a withdrawal of {$450.00}. 
My card was not returned and no money was disbursed. 
I made several attempts to address this issue with the bank. All I get is a change of agent and no word about my funds. 
The manager at the location said that a third party controls the ATM and he has no access to the camera above the machine or the machine itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NV

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX, XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal 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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
On XX/XX/2023 foreclosure proceedings was placed on my property. This a false claim, result of idenity theft and security fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized hard inquired and unverified reached out to every creditor from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only XXXX XXXX  they pulled my credit multiple times and I need this removed they told me it was only going to get pulled once this is an unconfirmed inquiry lacking evidence unless physically certified verified its demonstrated per 15 USC 1681 B section 604 of FCRA

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 2023-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 
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 2023-05-05 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Unauthorized credit inquires and fraudulent accounts opened without my consent. 

Inquires 1 XXXX XXXX XXXX XXXX XXXX 2 ) XXXXXXXX XXXX XXXX XXXX XXXX 3 ) Popular Auto XXXX XXXX 4 ) Popular Auto XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX  Accounts 1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) Banco Popular PR XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
In accordance with the Fair Credit Reporting Act, CXXXX XXXX XXXX  on accounts XXXX, has violated my rights. 


15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: Advantage Credit, Inc.
State: TX

Complaint narrative:
Advantage Credit , Inc. XX/XX/ and XXXX XXXX XXXX XXXX XXXX. I never gave written consent for a credit inquiry. Remove hard inquiry from the XXXX credit bureaus XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation