vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells fargo continuously charged me for fees on my checking account to the point to wear i finally had to close my account out with them. The double charged for fees nsf that were not mine they never credit my account back. There was fraud on my account and they allowed a deposit to go thru and posted and then charged all these nsf fees an bank fees soi just stopped banking with them and told them im not paying you anymore money after they took my whole check XXXX month and fees ate up a lot if it. would never bank with them

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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have a debt and marks against my credit history. I do NOT live in a state that has a Wells Fargo. I have never had a Wells Fargo account. I would like this debt off written off of my credit history and compensation for marks against my credit when I've NEVER had an account through Wells fargo

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account charged incorrect fees. Account placed in negative status due to institution errors.

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 2023-01-22 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: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXX XXXX  HAS XXXX XXXX XXXX and mortgage fraud and identity fraud. XXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXXXXXX XXXX  HAS XXXX XXXX XXXX and mortgage fraud and identity fraud. XXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and mortgage fraud and identity fraud. XXXXXXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had an certain amount of money in my account for a bill to be paid and when I paid the bill payment didn't go thru my money was missing

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 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
We were scammed out of XXXX $ from an unauthorized fraudulent wire transfer made out of our savings account last XX/XX/2021. Wells Fargo did not help with this at all. We do NOT allow any wire transfers from our accounts. It states that on our account and wells fargo allowed this wire transfer to go through. 
I called and made several complaints to Wells Fargo and to our attorney generals office.

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX DATE OPEN XX/XX/XXXX, charged XXXX XX/XX/XXXX WELLS FARGO DEALER SVC has committing XXXX  XXXX and XXXX XXXX and holding back my title to XXXX XXXX XXXX have taking Securities out in my name without my consent.WELLS FARGO DEALER SVC has used my name without my consent which is identity theft. All debt is repaid and paid in full

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 2023-01-22 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: OH

Complaint narrative:
I sent a complaint asking XXXX, Transunion, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, Transunion, and XXXX have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.

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 2023-01-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a complaint asking XXXX, XXXX, and Equifax to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: NJ

Complaint narrative:
XXXX to XXXX XXXX, and XXXX was tooken out people kept charging my card I kept going to the bank checks was being used in my name when I first got the account I went there the handled it opened up a new account and then charges was being made that I was being responsible for and I never authorized any transactions and they couldn't fix it so I closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re-open CFPB complaint XXXX - I provided emails from the original debtor and court orders. Please explain why a 3rd party debt collection agency gets to override a court order for the one charge/ the original debtor directing me to move out and not pay further rent for the other charge. 

You dont get to ignore a court order and leave a collection account for child support that was always paid on time, and you don't get to sell off a " debt '' for back rent after telling the consumer they can move out without further rent owed.

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 2023-01-22 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have mailed two separate certified letters one with proof address and the second letter is my social security number. Equifax sent me a letter requesting this information again. this a stall tactic. Equifax didn't investigate my request and didn't provide me with any proof of their finds but yet I'm met with a stall letter. Requesting proof of my address and identity again. Equifax is refusing to provide proof of bankruptcy on my credit report, it may be due to a lack of proper identification or documentation. 

Mailed date is XX/XX/XXXX Mailed date is XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have contacted Coinbase several times only to hear from them that they are sorry but they can't help and the case is closed. During XX/XX/ I have used their platform website/ wallet to purchase and send bitcoin to, as it later turned out, a fraudulent trading company. I believe the Coinbase need to take responsibility for not protecting their clients from fraud. the sum invested is around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in I think XXXX or XXXX I had a checking account with Wells Fargo and they closed my account with notifying me due to fraud activity done to my account when I informed them I did not know what had happened to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to close my disputes regarding a hard inquiry posted on my credit report on XX/XX/22 by XXXX XXXX. I have not applied for credit with XXXX XXXX. I need Equifax to provide me proof this belongs to me since XXXX has already provided me a written confirmation this was not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: MO

Complaint narrative:
Equifax has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Charging monthly fees and over drafts fee that wasnt my fault because I balance and add my money up on a regular, they also will double charge which causes your account to be over drafted if funds not available.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They say I have negative balance when I had over XXXX $ a day before

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 2023-01-22 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:
XXXX, XXXX and Transunion are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never XXXX XXXX. Also15 U.S.C 6802 B - I was never given the option to opt out! Please re

move all late payment transactions. 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.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never XXXXFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions.

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.

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 2023-01-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, XXXX XXXX : # XXXX, # XXXX : XXXX # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As of 2021 XXXX or XXXX I was receiving child tax credits for pandemic funding for Americans in need and I've been not able to log into my account online or from one of the ATMs located at the bank and I have not been able to open my account since.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Over the past couple years, I have had a frustrating increase in overdraft fees that I have seen changes in times at merchant services because I own a restaurant will apply certain payments at the end of the weekend when I have plenty of funds in my account, those payments would be addressed on Mondays, or Tuesdays, but as soon as my my son started to struggle, they would process on XXXX which caused a number of return items for nonsufficient funds, overdraft fees, and so on. My bookkeeper even started noticing this, and spoke with me about this just a couple weeks ago. On XX/XX/XXXX I took a credit card deposit payment over the phone from a client that I was going to cater for. The amount was {$500.00}. I was really counting on that money and the next day it never posted to my account that is my business account I called and called merchant services and finally after about XXXX minute wait they let me know that the amount was kept by a collection department. I asked him what collection department and they said it was for merchant services because they kept the money for fees I owed months prior, I said thats perfectly fine, but why didnt my money hit the business account first how am I going to explain this to my bookkeeper? All she could tell me and kept repeating herself that I owe the money. Ive been demanded for a history and documentation of every transaction they ever made with my business account from my clover account at the restaurant, I wanted the documentation immediately this was back in XXXX, and I have yet to see the paperwork I asked for. Even in my regular personal account that I had with my mother who has since passed away, I have noticed that they took away my overdraft fees. So I shouldnt be able to make transactions if I dont have the money. Well, I have money in my account. I transfer it to my daughters account. They charge me {$35.00} the next day for paying the {$30.00} to my daughter that I transferred when I didnt have the money in the account. Untrue! Please, for the love of God look into my case.

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