vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX my card ending in XXXX was fraudulently charged 3 times by XXXX in the amounts of {$97.00}, {$5.00}, and {$30.00}. I immediately received notice of these charges from Wells Fargo via email and text. I called on the same day, XX/XX/XXXX and spoke with customer service who stated she would file a claim on these charges, close my account ending in XXXX, and send me a replacement card. 

Today, XX/XX/XXXX I received a letter from Wells Fargo Claims and Recovery stating that We have completed our research and found that the unauthorized transactions that were reported did not post to your credit card account and will not appear on your credit card account statement. 

I called Wells Fargo today, XX/XX/XXXX and spoke with one fraud rep by the name of XXXX who stated she could not find the above stated fraud transactions on my old account ending in XXXX. She looked at my new card/account ending in XXXX and advised that those fraudulent charges had posted on that account instead. She advised she would have to transfer me to her counterpart XXXX to assist me. I was then transferred to XXXX, who then reverified my personal information, I then explained the situation to her again. She advised she would document those above stated XXXX charges as fraud and close my account. She then cold transferred me back into a queue after which the line was disconnected. 

I once again, called Wells Fargos fraud department. Spoke with a new rep, who advised me she would document my fraudulent XXXX  charges, she confirmed that my new card ending in XXXX was closed/canceled, but then stated she could not processes a replacement card. She once again had to transfer me to a colleague to assist me with the replacement of my card. I was then transferred to a gentleman by the name XXXX I believe who after verifying me for the 4th time, stated he could not processes my replacement card and could not explain to me why. He just stated I needed to go into a branch. I ended the call and came here to report this. 

Wells Fargo, this is appalling. I am frustrated and disappointed with the quality of your employees. I am questioning my future with you for my banking needs. 

I want the fraudulent charges from XXXX that I initially reported on my account ending in XXXX to be removed from my account. 

I NEED a replacement card for the account that was closed and that has the fraudulent charges showing on ending in XXXX. These XXXX charges were pending when I reported them on my card ending in XXXX, obviously they posed to the replacement card ending in XXXX. XXXX not sure how difficult that is to understand.

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 2023-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently spoke with a representative regarding the reason for denial stating Wells Fargo made a credit post decision from XX/XX/XXXX when I didnt open my loan until XX/XX/XXXX. Also Wells Fargo discussed Mortgage assistance options with someone that I didnt authorize to speak on my behalf and who never was on the mortgage or the note. I personally never received payment options and I have the income to afford payments

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 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-04-20 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: DE

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-04-20 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. 

Tracking number are as followed : XXXX Account names : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXXk NA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX IN XXXX XXXX 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 an account without my written instructions. XXXX5 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 2023-04-20 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX is reporting falsely and not correcting my personal information. My address XXXX XXXX XXXX XXXX XXXX XXXX also my name XXXX XXXX and my dob XXXX phone XXXX my information was corrected and again an employee for XXXX XXXX is altered my information and is collecting money on my name works for the credit freeze department. Everything XXXX is reporting is false. I have disputed and fixedy information but all this activity on my account to date is falsely being used. I have debt consolidation done on me by employee that takes my calls. Please reach out to the beauru and help me correct also reporting to XXXX and XXXX. XXXX. 
Please remove all activity on the XXXX and XXXX account all items need to take of id theft and fixed it but still the beaurus failed to correct. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: GA

Complaint narrative:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to blocking made on the basis of a material misrepresentation of factory me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as consumer. 


SEE ATTACHMENT

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 2023-04-20 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
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 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 non-monetary relief
Consumer complaint received 2023-04-20 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This will be my second complaint about Wells Fargo. The complaint is in regards to the previous complain I filed. Case number : XXXX. Consumer Financial Protection Bureau XXXX XXXX : XXXX. I received correspondence from the executive office at Wells Fargo advising me that the late credit marks on my report would be reversed. The marks include a 30 day, 60 day and 90 day late mark that was placed on my report in error because Wells Fargo did not apply the payoff in time to my account. I received a letter saying that only the mark from XXXX would be removed. I personally spoke with an executive from the Wells Fargo office and was advised that all of these late marks would be removed. To date XXXX XXXX all of the negative remarks are still reflecting on my credit report. I am requesting that all of these negative credit marks be immediately removed from my credit report. I was assured by Wells Fargo that this matter would be resolved and it still is not resolved. In addition this has had a negative impact on my personal credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: GA

Complaint narrative:
I had a hard inquiry fromXXXX on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.XXXX.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: GA

Complaint narrative:
I had a hard inquiry from.Capitol.One on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.TransUnion.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry

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 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I had my credit ran and found out that a fraudulent account was opened in my name. 
under FCRA 605B ( 15U.S.C. 1681c-2, this information is to be blocked from my report. I have filed a police report and contacted the original creditor. This informatin needs to be removed and blocked within 4 days. 
Documents Provided FTC Report Police Report Furnishing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: WA

Complaint narrative:
Hi I bank with Wells Fargo Bank for a few years now I never had any problems with them. Every time I have any problems or doesn't recognize a transaction they would always fix it, but the last complaint I had with them they never fix it. Seem like they look the other way. I have XXXX unauthorized transaction I believe it wasn't me XX/XX/22 ATM withdral {$200.00} and XX/XX/22 XXXX XXXX {$26.00} I called and complaint I even went to the local branch on XXXX at least 3 times it seems they didn't want to help me they told me to call the cops and file a report and I also request for a photo of the person that withdral the {$200.00} because I want to see who it is they keep making excuses so I never receive any photo or video to me that was a red flag why can't they provide a picture of who withdral my account I mean camera at the ATM are made to take pictures right for that purpose. For the XXXX XXXX at that time it wasn't me when I first try out the ride I had to deposit {$20.00} dollars and after that I never XXXX XXXX XXXX  again because the scooter I believe it has some problems so I had a bad experience I also told the Bank all my electronic device is been hacked my email, phone is been hacked they come to a conclusion that I gave some one permission to withdral from my account I told them over and over again that I didn't give any one permission they end up closing the claim so they allowing some one going around and using my info and me dealing with the consequence and I'm on XXXX I barely make it every month I don't have the resources all I'm asking them is a picture so simple that pretty much would solve everything til now still no picture

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 2023-04-20 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: Brightwater Capital, LLC
State: VA

Complaint narrative:
there is this account tbom retail as XXXX balance on my credit report on all 3 bears the first 12 digits of the account number is XXXX the last four I do not have I hope this helps you find the account it claims it was sent to bright water capital, LLC there phone number is XXXX there address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
Company incooperative, do not want to give me any information or unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. XXXX XXXX, XXXX, and Equifax. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. XXXX XXXX, Experian, and XXXX. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.

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 2023-04-20 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: GA

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. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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