vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> I was alerted by Wells Fargo bank that there had been a fraudulent charge to my debit card of {$10000.00} that I did not authorize. I quickly called Wells Fargo and agreed with them that it was unauthorized and told them it was fraudulent and disputed it using my Wells Fargo online account. They considered it fraudulent I know because they notified me that it was and advised me to destroy my debit card and request a new one immediately which I did. Wells Fargo advised me that it would take up to 10 days to complete the process of returning the funds to my account. Wells Fargo has not reversed the fraudulent transaction and restored my funds to my account. Wells Fargo also advised that they would mail a letter after they have resolved the issue and I have received no communication from Wells Fargo. I have called their customer service and requested to speak with upper level bankers in the fraud department about my case number XXXX and was told that I would receive a call back from the Wells Fargo agent that is assigned to my case with the above case number and that the Wells Fargo agent would call me back in 24 to 48 hours and they did not call me back. The supposed company that fraudulently removed the funds without my authorization is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and their phone number is XXXX. I have tried calling this phone number with no response by a person and the automated system leads to nothing useful.

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 2024-09-25 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: CA

Complaint narrative:
ALL THESE INQUIRIES ARE RESULTS OF IDENTITY THEFT -XXXX OPENED XX/XX/year> XXXX OPENED XX/XX/year> XXXX XXXX OPENED XX/XX/year> XXXX XXXX OPENED XX/XX/year> 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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee 's {$68.00} XXXX : {$170.00} I am a working class person who does not appreciate XXXX charging me money when it is plain that the funds are not available. Be aware that I am a senior and that these overdraft fee 's are coming out of my Social Security money. 
XXXX. Earlier this year, XXXX XXXX passed a bill indicating that banks can no longer charge more than {$5.00} in overdraft fee 's. 
XXXX. Clearly my funds were not available on XX/XX/XXXX and yet, XXXX kept paying money that was not there and charging me {$34.00} each time. 
How many other people has this happened to? How much money is XXXX making off of working class people who are struggling just to pay the rent, bills and food? 
If the funds are not there, they are not there and yet to have overdraft protection, there is a fee for that as well. 
I've had this issue with XXXX back in XXXX and CFPB helped me out a great deal. I am hoping that this can happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed FNBO secured credit account the company replied with further inaccuracies and incorrect reporting. FNBO claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to FNBO at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance FNBO claims still owed is the amount returned unpaid minus the XXXX security deposit. FNBO is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$230000.00} XXXX XXXX Balance : {$10000.00}

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$230000.00} XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
First I need to state my right to privacy is paramount. XXXX enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX CARD SER XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK, NA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
All theses hard inquiries are fraudulent. I never gave no written consent. I'm part of a breach. Delete all them of my report. 15 usc 1681c-2

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 2024-09-25 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: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX CA 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 2024-09-25 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: IL

Complaint narrative:
I am a victim of identity theft, which has resulted in several inaccurate items being reported on my credit report. Despite my previous disputes, the following accounts continue to report negative and inaccurate information : XXXX. XXXX XXXX Account charged off with a balance of {$1200.00}. This account was opened on XX/XX/XXXX, and I did not authorize or open this account. No payments have been made, and I believe this is a fraudulent account resulting from identity theft. 
2. XXXX XXXX XXXX XXXX XXXX  charged off with a balance of {$140.00}. I am listed as a joint account holder with another individual, XXXX XXXX XXXX, whom I do not know. This account was opened on XX/XX/XXXX, and I have no knowledge of this account. It appears to be fraudulent. 
3. XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ) Collection account with a balance of {$110.00}, opened on XX/XX/XXXX. I did not incur this debt, and this collection account is fraudulent. 

I have already taken steps to dispute these items with Experian, including filing a police report and placing a fraud alert on my credit report. Despite these actions, the inaccurate information has not been corrected.I request that these accounts be thoroughly investigated and removed from my credit report as they are a direct result of identity theft. 

Let me know if youd like to adjust or add any other details before submitting!

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 2024-09-25 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: PA

Complaint narrative:
Information has been reported on my credit report that is FALSE. There are accounts that i have no knowledge of reporting on my credit reports. There are inquiries that I did not give permission for on specific dates listed on the FTC report from multiple companies, this information is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed XXXX XXXX XXXX XXXX the company replied with further inaccuracies and incorrect reporting. XXXX claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to XXXX at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance XXXX claims still owed is the amount returned unpaid minus the XXXX security deposit. XXXX is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed XXXX XXXX XXXX XXXX the company replied with further inaccuracies and incorrect reporting. XXXX claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to XXXX at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance XXXX claims still owed is the amount returned unpaid minus the XXXX security deposit. XXXX is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed XXXX secured XXXX account the company replied with further inaccuracies and incorrect reporting. XXXX claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to XXXX at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance XXXX claims still owed is the amount returned unpaid minus the XXXX security deposit. XXXX is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.

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 2024-09-25 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
The below inquiries are fraudulent inquiries. Please remove and or delete. 

XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX SER Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/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 2024-09-25 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: NJ

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX FUNDING ( XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/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 2024-09-25 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: NJ

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX FUNDING ( XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I never given no written consent to apply for anything. This is fraudulent activity on my report. Want all hard inquiries delete from my report. 15 usc1681b 15 usc 1681c-

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