vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I submitted complaint number XXXX. Wells Fargo responded, closed, but never resolved the complaint. 

The content of the complaint was, and still is, that I am unable to connect my XXXX  XXXX XXXX business checking account to my Wells Fargo credit card. The purpose is solely and entirely making payments on my Wells Fargo credit card. The personnel assigned from Wells Fargo had an obviously unclear understanding of the problem and resolution, and therefore closed the complaint without resolution. I am still unable to connect the accounts, and Wells Fargo indicates they have no record of my faxes of the requisite documents. In addition, for over a week I have been unable to view transactions on my credit card. Wells Fargo call center personnel have stated this is a " system issue '' however, colleagues with Wells Fargo credit cards have indicated they can view transactions.

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 2024-12-22 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: Experian Information Solutions Inc.
State: IL

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.

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 explanation
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express serious concerns regarding issues I have identified on my credit report. During my review, I discovered several inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently need your assistance to resolve 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 non-monetary relief
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
I am writing to express serious concerns regarding issues I have identified on my credit report. During my review, I discovered several inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently need your assistance to resolve 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 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Around XX/XX/XXXX a representative of XXXX XXXX XXXX and XXXX XXXX came to my house to offer their services for a patio cover and later told us they could to build a home that covered XXXX  XXXX. They requested documentation to see if we qualified for a loan, after we provided the documentation they submitted without our knowledge or approval multiple loan applications ( around 12 ) and multiple banks and financial companies requested our credit report Mosaic was one of them on XX/XX/XXXX. The same day in the evening they submitted to us what they said were estimates of the work they offered to do. On XX/XX/XXXX my husband signed some contracts that had the company logo and the only signature on the documents was my husband 's. I am disputing as fraudulent Mosaic 's Contract for alleged installation of XXXX solar panels by XXXX XXXX XXXX XXXX for {$75000.00} dollars. According to XXXX XXXX XXXX XXXX XXXX requested a construction permit and installed the unworkable panels. The same solar panels were fraudulently charged by XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX for over {$250000.00}. Mosaic does not want to accept that their charges are a false, claim submitted by XXXX XXXX XXXX XXXX is fraudulent. They said they contacted my attorney and were not able to talk with him he disputes their statement and we are in court against XXXX XXXX XXXX and XXXX for fraud. We recently learned that all those companies are registered with different address but have the XXXX XXXX XXXX, # XXXX XXXX CA XXXX address for business. XXXX XXXX and XXXX XXXX are also claiming work done with the same XXXX solar panels. The fraud and ripoff are clear by all this companies. Again reiterate Mosaic claim is fraudulent some claims are also on my husband 's name XXXX XXXX Mosaic stated to his complaint that they had no loans on record with the XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX address but at the same time they say I have one loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MI

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2024-12-22 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: MI

Complaint narrative:
on the Experian consumer reporting website, they have my name written in multiple different ways, and none of the names actually matches my birth name that's on my ID card. I have contacted Experian through telephone 4 times in the last 14 months about it but they never fixed it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX XX/XX/year> I Paid In FULL for acct # ending in XXXX the amount of {$25.00} as PAYMENT in FULL. Tracking # XXXX PAID IN FULL. I request that CHEX SYSTEMS update there acct.

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 2024-12-22 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: NC

Complaint narrative:
District Court for Northern District of Georgia XXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX I am filing CFPB complaint against Trans Union for fraudulent accounts that have appeared on my credit report. I have been stressing to Trans Union that these accounts are a result of Identity Theft stemming from XXXX XXXX XXXX. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraud Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Balance : {$26000.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Trans Union continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
I made a payment with my US Bank Debit card to my storage company Life storage for {$870.00} and the storage company said it did not receive the money but the bank has already debited my account. I then called my bank and my bank said it will revert after 5 working day.

For fear of late payment I made another payment to my storage for {$880.00}. and that was received. I also complained to my storage company about the first payment they provided me with account details and the payment for {$870.00} did not reflect. Its important to note that a similar incident has happened in the past with XXXX XXXX XXXXXXXX the payment bounced back the next day. 
For over one month US Bank has refused to credit my account with this amount {$870.00} and the keep charging me overdraft charges of {$36.00}. The issue now is the bank says the amount is with the storage company and the storage company say they dont have the money. Please help.

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 2024-12-22 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: IL

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.

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 2024-12-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello I am writing this letter to notify the credit bureaus of these fraudulent accounts that I never open. I am a victim of identity theft. Also, my identity was stolen for personal gain. Please delete all fraudulent accounts listed below. 


Account name Account number Amount 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
Hello I am writing this letter to notify the credit bureaus of these fraudulent accounts that I never open. I am a victim of identity theft. Also, my identity was stolen for personal gain. Please delete all fraudulent accounts listed below.

Account name Account number Amount 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
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
My first payment of {$540.00} on a car loan from GM Financial was due on XX/XX/XXXX. I paid {$600.00} on XX/XX/XXXX. The payment was processed. GM Financial contacted me and told me I was delinquent on payment. After speaking with them on the phone, they saw the payment on record. I asked them to correct the error and they said they did make note of that in my record. I received a follow-up bill of {$1000.00} which is due on XX/XX/XXXX, which includes " Past Due Monthly Payment '' of {$540.00} and " Current Monthly Payment '' of {$540.00}. I paid another installment of {$600.00} on XX/XX/XXXX. The GM Financial app has record of the statements and my payments as described, however, now an inexplicable amount of {$480.00} due XX/XX/XXXX is posted on my account with no related statement posted. I'm writing for your assistance because 1 ) my requests to correct their mistake in missing a payment has not been corrected, 2 ) I'm concerned this mistaken missed payment will affect my credit score, 3 ) there are additional charges on my account with no explanation in the form of a billing statement, 4 ) my last interaction with a representative at GM Financial still has my " delinquent payment '' on record, 5 ) I was treated disrespectfully with an aggressive demand for immediate payment, including late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: OH

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2024-12-22 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: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
District Court for Northern District of Georgia XXXX  XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX I am filing CFPB complaint against Experian for fraudulent accounts that have appeared on my credit report. I have been stressing to Experian that these accounts are a result of Identity Theft stemming from XXXX Data Breach. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraud Account : XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Experian continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.

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