vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: IN

Complaint narrative:
I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: IN

Complaint narrative:
I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I was at a nightclub and later through the night I had noticed someone stole my phone. On XX/XX/2021 when I went to purchase a new phone I noticed a XXXX XXXX transaction that I did not authorize. The person that stole my phone authorized a online advance of {$1000.00} on my Wells Fargo platinum credit card and included {$500.00} from my Wells Fargo debit account in this transaction. I filed a police report with the XXXX XXXX XXXX XXXX XXXX. The incident number is XXXX and their phone number is XXXX. I also filed the reports with my phone insurance provider XXXX as well as XXXX and XXXX. Both of the companies verified the fraud and was able to authorize my request for a phone replacement and {$2500.00} refund. Wells Fargo seems to be the only company that will not refund the remaining amount of {$1500.00} that was stolen. I would like to also mention that Wells Fargo refunded {$330.00} additional dollars that was stolen but for some reason they will not refund the remaining {$1500.00} that I have yet to receive.

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 2022-04-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; XXXX XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at XXXX as well. 

Transunion XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion

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 2022-04-03 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 XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; Equifax XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at Equifax as well. 

XXXX XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have an identity theft monitoring app due to am XXXX breach. My identity was stolen in 2012 and I spent multiple years working to repair my credit as a result. I received an alert in the app that a bank account t was opened with my ssn at Wells Fargo where I have never banked. I called right away. I told them I have a fraud alert on my credit report, how was this opened? One agent told me to take that up with the credit reporting agency. What?! They gave me an investigation number of XXXX and assured me I would hear back with resolution. That was almost 30 days ago. Im not calling over and over through their hard to navigate system because they overlooked a clear fraud alert. I want that account closed, a written response from Wells Fargo regarding what occurred and to ensure they follow the rules when there is a fraud alert on credit reports. It was too easy for someone to open an account in my name and Im sure this has happened to many other people.

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 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
HI in XXXX I got a email about a part time job offer. I have been looking for a part time job that I can work from home for a while. So I got this email and I applied for the position. It stated that the job was part time, I will work from hoe and it will pay {$400.00} a week. I will be helping kids in need that our in shelters. So a week later I got an email back saying I got the job and my first assignment was to deposit a check and buy some give cards and send it to them. The check was for {$2900.00} I was to take out my {$400.00} and buy 5 gift cards with {$500.00} on each of them so that's {$2500.00} dollars for all 5 cards. I did this four time. everything was going fine till I checked my account and notice all my money was gone out my account. Then I saw that all four checks was returned I was confused on why I didn't understand what was going on. I called the bank which is U.S Bank fraud department and that's when they said the checks was bad and the company was not real. They said that I was scamed and its nothing I can do about it. the lady said she was going to send paperwork out for me to try and get my money back. But XXXX days later I did received some of my money back but the lady at the bank said its on hold until the investigation was over. she said if my case is denied they will take the money back. I did return all the paper work they asked me to fill out. I found out yesterday which was Saturday XXXX that my case was denied. I had called the bank back because I haven't herd from them over two weeks that's when she told me my case was denied. So they are reversing the money they gave back which was only half of it. All together they took {$11000.00} dollars that ; s how much all four checks was worth. I'm fighting to get all my money back. I'm the victim they are making it like its my fault. I don't understand how come they didn't catch this with the first two checks. they are the bank and if they ran the checks through the system how come they didn't catch this. That's all the money that I have. I'm a single mother with XXXX kids. I have been saving that money for a while and need it back to pay my bills. I pray you can help me it seems like I cant find the help I need.

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 2022-04-03 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-04-03 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:
In accordance with the Fair Credit Reporting Act XXXX, has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also 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 explanation
Consumer complaint received 2022-04-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 2022-04-03 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX. I leave at XXXX XXXX XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I made a phone payment to XXXX/Comenity/Wayfair over the phone on the due date and their records show that the payment was given the day after. This is an error on their part because of covid we could not speak to a person and the website was not working to make a payment. I had to make the payment over the phone and it was recorded as late even though the payment was given on time. We need that removed from our credit immediately because it is an error on their system. If you look at our payments we have never been late. Please help us resolve this matter so we may buy a home. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My husband ( XXXX XXXX XXXX ) opened an account XXXX on XX/XX/2022. He registered me as an account supervisor. 
I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). I liked the XXXX bonus miles and XXXX mi for everything, and thought it might be my go to card. 
Immediately I was rejected ( for the first time in my life and for no good reason ) AND simultaneously removed as account supervisor on my husbands card. I was removed as account supervisor, but everyone at XXXX XXXX says that I was not removed by XXXX XXXX, and can not be added back. I ( rejected the offer to just have a XXXX card on my husband 's account. 
I contacted Experian, and to my shock on the Experian report as having a XXXX XXXX card, XXXX with a credit limit of {$30000.00}. Actually, I have NO XXXX  XXXX card. 
I sent an e-mail to XXXX XXXX XXXX AND to the XXXX  XXXX credit Dept, but no response.

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My husband ( XXXX XXXX XXXX ) opened an account XXXX on XX/XX/2022. He registered me as an account supervisor. 
I decided to get a Capital One card on my own, so I applied for a card ( while still supervisor for my husband ). I liked the XXXX bonus miles and XXXX mi for everything, and thought it might be my go to card. 
Immediately I was rejected ( for the first time in my life and for no good reason ) AND simultaneously removed as account supervisor on my husbands card. I was removed as account supervisor, but everyone at Capital One says that I was not removed by Capital One, and can not be added back. I ( rejected the offer to just have a XXXX card on my husband 's account. 
I contacted XXXX, and to my shock on the XXXX report as having a Capital One card, XXXX with a credit limit of {$30000.00}. Actually, I have NO Capital One card. 
I sent an e-mail to XXXX XXXX XXXX AND to the Capital One credit Dept, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was unaware that Equifax put a hold on my credit profile, unknown to me, and also no information was sent to me via mail to advise me that this has taken place. I found out on XX/XX/22 that my credit has been frozen after attempting to get an increase from 2 creditors. I called the same day and had Equifax unfreeze the account, I was also advised to wait for 1 hr before retrying again with the creditor, which I did. I called back 2 hrs later and was advised my credit was still locked. A few days later I received a letter stating the freeze was uplifted. I tried reaching out to Equifax to correct this issue, but the company states that there is no freeze. I was advised to create an online account, which I did, I was unable to create one because the system could not verify my info, which was correct. I spoke with w/the agent and advised them of the " NH '' error code, he then proceeded to attempt to create an account from his end and received the same error. Again, no resolution was given but instead, I was advised that they needed more information which has to be mailed with no option for uploading online or fax. Which I must say is an inconvenience for a customer whos been disputing a freeze for almost a month. I am unable to get a credit increase from two creditors that I desperately need for home repair due to the after math of Hurricane Ida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My checking account was supposed to be linked to my savings account. When my checking over-drafted {$1.00} Bank of America charged a {$35.00} overdraft fee without debiting my savings account for the over-drafted funds. Upon calling them to reconcile the problem, they told me I had XXXX over drafts in XXXX alone that Id paid {$170.00} in fees. The XXXX XXXX XXXX from the deposits department in Alabama did not believe that in XXXX I opened the account as an XXXX XXXX XXXX and was sold on having a savings account ( $ 5 monthly fee when under {$300.00} deposit ) for overdraft protection purposes. I have now paid in excess of {$270.00} in fees in the last year alone for a service I was sold to avoid this exact issue. This is how banks constantly fraud customers, especially young customers.

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 2022-04-03 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: CT

Complaint narrative:
Experian has said several times that the debtor has 100 % free reign and absolutely no accountability to the credit bureaus. Experian has said numerous times that no matter what the creditor has agreed to in writing, on phone, or what the XXXX XXXX says, that the creditor can say otherwise, and Experian will never under any circumstances counter this false information or contradictions by creditors. In insurance and financial arrangements, the business is held to what they put in writing and agree to, but Experian has even not made any efforts when XXXX previously falsely reported that I had a XXXX mortgage and agreed to fix the mistake. Clearly if Experian makes money and is only in business to blindly agree with creditors then they should return the billions made and not be a business because being a do nothing lap dog for creditors is something well... a dog could do. See below and what should be fixed on credit report immediately. Brought to attention of Experian and well see if what they have said and what I am reporting here is true to the extent that I say. 

XXXX Mortgage previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting XXXX lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. This needs to be resolved immediately as this unprofessional sloppiness and the months it took for XXXX XXXX to fix the previous XXXX XXXX mortgage balance that never existed, and previous false lates created lots of damage. These XXXX false XXXX lates on XXXX mortgages that were approved for loan modifications and more, caused considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other XXXX mortgage customers for a class action lawsuit and complaints to banking commissioner.

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 2022-04-03 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Please remove SYNCB/CARE 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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I pulled my credit report today and noticed over XXXX hard inquires I didn't do or authorize. Please investigate each hard inquiry and delete the fraudulent inquires.

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