vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Regarding my business acct for XXXX XXXX XXXX with Wells Fargo, They have closed my account expressing they have the rights to do so without any explanation. This is a violation of my rights the FCDPA. Further expressing I owe them {$180.00} and demanding I pay it. I havent the slightest clue what is going on with Wells Fargo, but I DO NOT GIVE ANY CONSENT, and had every intention of opening my private trust account with Wells Fargo this month, Now they are prohibiting me for NO REASON. As of the XXXX they expressed both of XXXX XXXX XXXX business accts will be closed and again stated no reason, expressing they can choose to do business with me when they feel like. I have my XXXX XXXX XXXX XXXXXXXX, and am XXXX protected, so none of this makes any sense. I demand Wells Fargo keep my business accts open and in good standing, and declare to offset the public side as I am the beneficiary of my accounts by accepting and returning for value my private debts that creates new currency into circulation and indebted by the government, my trustee. 

I will pursue legal matters once they do not abide by my demands, to file judgement against them as I feel discriminated and racially profiled. If its a case of identity theft, I should not be penalized and suffer the repercussions of not having an active business account. 

Theyre back office fraud department is exactly that, Fraud, not helping me the consumer one bit. I literally opened a new account on Monday XX/XX/XXXX, physically at my local branch to rectify any concerns they may have encountered. just to be called today ( not even XXXX later ) harassed and told they will be closing it on the XXXX. what do they need XXXX business days to do, securitize my accounts? Im so disappointed and upset all in the same interim. Wells Fargo can not continue to waste my time and energy when Im only seeking to work in good faith. 

Please have Wells Fargo honor my public business accounts along with my personal private trust account set up to close the month. For this is totally unfair and I repeat, discriminatory. 

I will be sending complaint to the XXXX, FTC, OCC and the states DA, as Im highly disappointed in how Wells Fargo reps chose to handle this matter.

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 2024-06-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-12 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: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

XXXX XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX, MO. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
This is a matter of a purported debt owed to their agency, which I adamantly contest and refute. It has come to my attention that this agency has been pursuing collection efforts against me for an alleged debt, despite the absence of any contractual agreement between us. 

I want to make it unequivocally clear that I have not entered into any contractual agreement with this agency, nor do I acknowledge any obligation to pay the alleged debt. Furthermore, I assert that the basis of their claim is fraudulent and in violation of consumer protection laws.

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 2024-06-12 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Seems that my credit score doesnt move up at all but one missed car payment that didnt go through because we didnt renew the automatic payment after five payments my credit dropped XXXX pts my payment history is my credit percentage use is way under 30 % usage it goes up XXXX pts here and there dont understand why.

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 2024-06-12 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: Synovus Bank
State: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
XXXX is the reference number for previous dispute. 
Money was fraudulently taken out of my Cash App account. Cash App denied my claim. Thanks to you some of my funds were returned. However I requested the name on the fraudulent card and have yet to receive the information. 
Also... There are other unauthorized withdrawals from this same account that Cash app has yet to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I had an alert on my phone that my XXXX ID had been used to log in in a different country this morning. Shortly after I received an email stating that there was a hard inquiry on my credit report when I checked it it was from American Express. I called American Express and they told me they have no knowledge of a credit check being ran in my name. I would like to figure out how and why this happened and stop it if someone is attempting to commit fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I reviewed my consumer reports and I notice an account in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX, XXXX, and XXXX, they are strictly in violation of U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reviewed my consumer reports and I notice an account in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX, XXXX, and XXXX, they are strictly in violation of U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :

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 2024-06-12 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: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX  open date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXXXXXopen date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate I also got the investigation back but noticed nothing was modified or updated So I requesting a description of the reinvestigation and they do not provide me which is a violation of 15 USC 1681i7.

Violation of 15 USC 1681i ( 5 ) They have not responded to me here is my tracking number : XXXX that was sent certified and someone signed

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 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I opened up my account with Wells Fargo online, and I had an offer of getting a {$300.00} bonus with qualifying activities which were Receive a total of {$1000.00} or more in qualifying electronic deposits to your new checking account within 90 calendar days of account opening ( the qualification period ).

Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements and will deposit any earned bonus into your new checking account within 30 days. I have qualifying activities yet the bank assumes I did not do it the correct way when opening online. I opened my account online and had to go into the branch and verify my identity, Im not sure if thats potentially where the disconnect is. However, I have tried endlessly to advise Wells Fargo it must be a system error in their part. REF # of phone call via Wells Fargo Customer Service is 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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland has failed to properly validate the debt per FDCPA and has violated the FCRA by reporting unsubstantiated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I received an email stating " Your Chime Visa Debit Card has been shipped to you. A bright green envelope should arrive in about XXXX weeks. '' I immediately telephoned the company because I had never heard of Chime and I had a credit freeze in place with all three credit bureaus. The Chime representative asked me for personal information to identify me and then assured me she closed the account and I would get a confirmation email. She instructed me to destroy the card when it arrived. She also told me to put a freeze on my credit with the three credit bureaus ; when I informed her I already had that in place and asked her how Chime could have issued a card despite that, she had no answer. 

I subsequently received an email notification that Chime closed the account per my request. Later I received a second email stating " we regret to inform you that we have made the decision to end our relationship with you at this time. '' THEY did not make that decison. I'm the one that called them to report fraud. They are the ones who enabled that fraud to occur. 

I have since learned that Chime has a program called " XXXX XXXX '' that allows overdraft up to {$200.00}, so right off the bat someone can charge {$200.00} to that debit card without having any funds in the account and without having the physical card in hand ; all that person needs is the card number. This is a ridiculous and irresponsible financial practice that INVITES fraud. 

On the internet I found tons of identical complaints from others. I suspect personal information from past data breaches at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX was used to create the Chime account ; however, Chime obviously failed to execute due diligence in verifying identity, including checking with the credit bureaus for freezes or fraud alerts. 

Chime states " Chime is a financial technology company, not a bank. '' It appears that Chime is not very good at financial technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: OH

Complaint narrative:
I sent in dispute to the credit bureaus specifically for verification of the collection accounts. I asked for them to be removed from my reports and this did not happen. I called and asked for the specific information to be provided for how debt was validated, and I am not being provided with anything. I am asking the negative information to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: OH

Complaint narrative:
I sent in dispute to the credit bureaus specifically for verification of the collection accounts. I asked for them to be removed from my reports and this did not happen. I called and asked for the specific information to be provided for how debt was validated, and I am not being provided with anything. I am asking the negative information to be removed from my 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 explanation
Consumer complaint received 2024-06-12 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: Continental Finance Company, LLC
State: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: AZ

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation