vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
upon checking my credit report I noticed I was added as an authorized user to a credit card that does not belong to me and that I did not give permission to be added to at all I do not know the person just saw the card on my profile I have been a victim of identity theft and I have reported it to the police my information is still floating around and being used I also see an inquiry from XX/XX/22 XXXX XXXX that is not mine I have not applied for any new credit at all in a while I did not authorize this inquiry and I want this inquiry and the XXXX XXXX  card/acc was removed from my report ASASP it is causing me great hardship I am happy to work with law enforcement and bureaus I spoke with XXXX XXXX  about this account several times about I was told this matter and was told it would be removed from my report and it has not

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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a states 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 2023-02-02 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: GA

Complaint narrative:
in accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
After not using the business checking account for years, I decided to move some funds to a personal account within the same bank with better interest. After checking the minimum balance online, everywhere saying {$500.00} was the minimum balance needed, I moved all but {$1100.00} to the personal account. Now over 13 months later, I have received a payment to this business and went online to deposit only seeing {$900.00} and XXXX times a {$16.00} fee was applied to my account. This was when I first learned of a {$5000.00} minimum balance. No email or text was sent notifying me of any fee over the 13 months they continued to charge an unused account. Not even a statement was sent! In that time I received multiple emails and texts about my personal account, even about fees. Banks are required under Federal law to disclose any fees they charge in connection with a deposit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Siggi LLC
State: WA

Complaint narrative:
I have been a customer of Omni Financial for years and never missed a payment until XX/XX/XXXX. I wasnt even aware it happened at first but I had an XXXX  set up through XXXX XXXX and XXXX XXXX as I am an XXXX XXXX XXXX XXXX Member of 20 years. It was brought to my attention for some unknown reason my XXXX  was either stopped or wasnt paid out on XX/XX/XXXX so I immediately resubmitted my XXXX  to be in effect right away and it was successful. My XXXX  XXXX did show in XXXX XXXX that the XXXX  was re-established and payments was active again. We just had XXXX deaths in our family, my mother died XXXX XXXXXXXX and father-in-law XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and it caused great hardship on our family. I have had an excellent record in my payment history with Omni and recently was notified I was entitled to check payment due to lawsuit with Omni. I called Omni and asked if it was possible for them to please be forgiving and remove the late payments from my credit and I doubled my monthly payment to {$750.00} to make up for the payment missed by error. They confirmed they received it and we was current now but refused to help assist with the removal of late payments. I am XXXX  in XXXX and will be leaving the XXXX and I need to buy a home for us and this is really impacting the loan and even if I have to lease until the late payments are removed it also may impact someone from leasing to us. We will have nowhere else to go. We always lived on XXXX XXXX and dont have rental references. Im praying you can assist us and they will be forgiving and remove those late payment flags on our credit bureaus. I have been a good customer over the years and it was heartbreaking that wouldnt even think of helping us. I have all statements from my pay showing its been paid before XX/XX/XXXX on time and ever since XXXX after that one payment default has been on time. Thanks for listening and hope you can assist. The monthly payment allotment is {$320.00} per month and I paid {$750.00} in XXXX and after so knew they received the current and last due amount I then entered the correct payment of {$320.00} to start again in 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 2023-02-02 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Account number : XXXX Hi, During XXXX and XXXX of XXXX my account went past 30 and 60 days due to an error with us inputting the our new checking account. We sent XXXX a letter advising this was a mistake on our part, as soon as we were aware of the situation we paid the full amount owed of Your last payment of {$3000.00} was received on XX/XX/XXXX. 

During XXXX XXXX both my XXXX  a XXXX  XXXX of education teacher and myself owner of a small business contracting company did not work for over 2 years years. 
We paid ford every month not always on the due date but before 30 days so it didn't impact our credit. I have asked XXXX to remove the 30 and 60 day lates to no avail. 

Any help is appreciated. 

Thanks XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Incorrect fees charged to my acct at times the fees would cause my acct to be in over draft I would like for all money taken in error to be refunded and I also would like to be compensated for the matter and the problems it caused both financially and personally

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo Bank. I am a checking account holder in XXXX, where XXXX has NO locations. XXXX was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, XXXX encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, XXXX has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed XXXX on file. I phoned XXXX and they sent a XXXX form, which I filed and returned. They have indicated that this form was not completed to their satisfaction and they have continued the witholding. I have called repeatedly and received email communication advising me to go to a branch location to complete another XXXX. I have advised that XXXX has NO locations in my state and offered to send in a newly completed form if someone/anyone could advise where this should be sent. EVERY time I call, I am routed to another person, put on hold for upwards of an hour and advised to wait for further instruction. This is madness -- -and in my view, a violation of the XXXX  XXXX XXXX XXXX XXXX. XXXX had a breach, and they are now imposing a hardship on a customer as a result. Indeed, XXXX XXXX customer representative advised that I just drop the issue and deal with the withholdings at tax time. This can not be the law -- -Following my prior complaint, a XXXX XXXX sent me forms and closed my complaint. I have submitted the form twice now and nothing has changed. This bank is incompetent. 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 explanation
Consumer complaint received 2023-02-02 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
As dated, XX/XX/2023, I demand cease and desist. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I have tried contacting XXXX and Trans Union and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To XXXX and Trans Union of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. 

XXXX has not changed my name with 2 Main Government Identifications. 

There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX Fl, XXXX, XXXX XXXX XXXX XXXXXXXX Fl XXXX, - These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX for Several Years now. CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX Terrace, XXXX XXXX XXXX Fl XXXX Only Employment : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
My employer provided me with a skylight visa debit card 8 years ago, never had any problems until XX/XX/23. Payroll disbursed my weekly pay around lunchtime I viewed my phone and watched my pay depleting {$400.00} then {$140.00} and finished somehow removing the balance {$12.00} I sent in my dispute the same hour, they said they would do an investigation through the XXXX of XXXX. Today is the XXXX of XXXX they claim they found no error and refused to give me my money. Money was disbursed @ XXXX and hacked around XXXX while working in XXXX county , hacked occurred in 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 2023-02-02 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/XXXX, my mother was at an ATM when XXXX men came up from behind her, they were standing really close to her. While she was taking out the money she withdrew, they distracted her. She was frightened by the situation so she then took her " card '' and left. On the morning of XX/XX/XXXX, I received notifications that my bank account was in negatives.My mother and i share an account, so when i check, both of our accounts were in negatives, but my card was still in my possession. When i asked to see her card, we realized that it was not her card. I immediately called the bank to report the card as stolen, and attempted to explain a situation that i was very confused about. i wasnt aware that money could be taken out of my account with my moms card. The process to file the claim was very rigorous because the representative on the phone did not believe that i was on the account. While i was trying to explain the situation, more money was pulled from the account in the same moment that i was on the phone filing the claim. We waited the 10 days to see if anything had been resolved, the claim was denied due to no suspicious activity being done and because the withdrawls were done with a pin. I have filed for a review on the claim and it was denied again, but we dont understand why it was denied if there is even proof i have attached below that proves that we didnt make those withdrawls and we have a card that wasnt my moms. this card was used to make her think she had her card. I have called numerous of times and no one is doing anything to believe us. I asked if ATM footage was checked and they dont want to disclose that information, making it seem like the investigation wasnt done properly. 

Based on regulation E, i believe that wells fargo has been in violation and not in compliance.

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 2023-02-02 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: FL

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, 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 2023-02-02 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: MO

Complaint narrative:
Equifax has violated my consumer rights multiple times. I have sent them identity affidavits, and I have asked them to stop reporting invalid information. I have asked them to abide by federal consumer laws and they have continued to intentionally violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX U S Dept of Ed/XXXX has violated my rights.

15 USC 1681 section 602a states I have the rights of privacy.

15 USC 1681 section 2 the off state consumer report agency can not report without my written instruction.

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 2023-02-02 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: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602a states I have the rights of privacy.

15 USC 1681 section 2 the off state consumer report agency can not report without my written instruction.

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 2023-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
back in XXXX of 2022 i went to wells fargo branch in XXXX ca. to apply for a XXXX  loan cus my business was badly hurt from the pandemic i heard all companies that were affected could applied for financial help from the goverment, wells fargo employees denied me of financial help later on it came in the news that some of the employes applied and got XXXX  loans commiting fraud

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There incorrect personal information my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief