vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
IAM WRITTING TOEXPRESS MY CONCERNS REGARDING THE UNRESOLVED ISSUE WITH MY DEPOSIT OX ACCESS AT WELLFARGO BANK.DESPITE FILING A COMPLAINT WITH THE CFPB MY CASE WAS CLOSED WITHOUT PROPER RESOLUTION.I BELIEVEA THOROUGH INVESTIGATRION IS NECESSARY TO ADRESS THE FOLLOWING POINTS. 
1SAFE DEPOSIT BOX ACESS DENIAL ; I HAVE REPEATEDLY BEEN DENY ACCESS TOMY SAFE DEPOSIT BOXDESPITE FULFILLING ALLNECESSRY REQUIREMENTS.THIS ONGOING ISSUE HAS CAUSED SIGNIFICANT INCONVENIENCE AND STRESS, AS I HAVE VALUABLE ITEMS STORED IN THE BOX THAT I NEED TO ACCESS.

2CHECKS WRITTEN OUT FOR SAFE DEPOSIT BOX PAYMENTS ; I EQUEST A DETAILEDREVIEW OF MY FATHER CHECKING ACCOUNT TOIDENTIFY ALL CHECKS WRITTEN TO WELLFARGO FOR THJE SAFE DEPOSIT BOX PAYMENT .THIS WILLHELPVERIFY THAT MY PAYMENTS ARE UPTO DATE AND ENSURE THERE ARE NO DISCREPANCIES.

3REQUEST FOEINDEPENDENT INVESTIGATION INTO THIS MATTER, PREFERABLY HANDLED BY INDIVIDUALS OTHER THANTHE USUAL REPRESENTATIVESINVOLVED, TOENSURE A FAIR AND UNBIASED REVIEW.

4CLOSURE OF ACOUNTS AN \D PROPERTY ; GIVEN THE ONGOING ISSUES AND LACK OFRESOLUTION, IAM CONSIDERING CLOSING ALL ACCOUNTS AND PROPERTIES ASSOCIATED WITH MY NAME AT WELLFARGO . PLEASE PROVIDE ME WITH THE NECESSARY STEPS AND REQUIREMENTS TO PROCEED WITH THIS ACTION.

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 2024-12-31 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}

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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a fraud claim last XX/XX/XXXX for a charge from the company based in XXXX. I was scammed. I didn't get the services and products that were initially offered to me. The products they were offering was not regulated here in the US. They were selling it to people saying that it would work in XXXX but users did not get the service. I applied for the fraud claim, which wells fargo refunded back to me in a few days. after 4 months of them giving me the provisional credit, they reversed the claim stating that they had concluded the investigation. According to them, they could not give me the details of the investigation. I do not know what they had to decide to reverse back the amount. This caused me such a huge financial difficulty, now after 4 months and being the XXXX XXXX I am on overdraft XXXX was taken. The bank balance I have now is - {$1500.00}. Please help me with this situation. Other customers from this company had gotten their money back, Wells Fargo gave it but then reversed it and only now after 4 months when they said they would resolve it in 10 days. I hope somebody can help me with this. The company called BE based in XXXX had scammed numerous people here in XXXX and I hope this would be resolved. Thanks

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 2024-12-31 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: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2024-12-31 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: MD

Complaint narrative:
I initially requested TransUnion to verify the accuracy of my XXXXXXXX XXXX account as reported on my credit file. At the time, the account was reported with a neutral status of " Transferred '' and remarks stating " Purchased by another lender, '' which accurately reflected the accounts history. Instead of providing documentation to verify the account, TransUnion changed the reporting to include derogatory remarks such as " Profit and Loss Write-Off '' and " Account Closed Due to Transfer '' without providing any evidence to justify this change. 

This drastic and damaging change was made without documentation, violating FCRA 611 ( a ) ( 1 ) ( A ), which mandates that unverifiable information must be removed. The initial reporting of " Transferred '' was accurate, while the new derogatory remarks are both unverifiable and inaccurate, implying financial irresponsibility and severely impacting my creditworthiness. Despite their obligation to conduct a proper investigation within 30 days of my initial dispute, TransUnion failed to provide any proof from XXXXXXXX XXXX to validate these remarks. 

This failure to comply with the FCRA has caused unnecessary harm to my credit profile and financial opportunities, such as applying for a mortgage. I request the immediate removal of these derogatory remarks, as they were added unlawfully and without substantiation during the initial dispute.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I had unbeknownst to me lost my Debit Card. Several unauthorized transactions were made totaling over XXXX dollars. I filed a dispute with Sofi bank however they denied my dispute within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is part of complaint XXXX - Truist Bank took {$400.00} out of my mother 's savings account on XX/XX/year> and the only explanation is Adjustment case # XXXX. When went to the bank on XX/XX/year> and asked what the adjustment was. No one knew what that meant and said a bank error, but needed to research. Called several times, went to bank several times and kept being told researching it. Filed a complaint with you all on XX/XX/year>. The bank said they were investigating it. Today, XX/XX/year>, I receive a letter in the mail saying Account Closed and balance due is {$360.00} ( includes {$30.00} Charge off Account Fee ) no explanation of what it is and saying they are going to the credit bureau and reporting it to them. I do not appreciate being threatened to affect my flawless credit and they never explained what it is or prove it. It appears to me as something very fishy with this bank. They can not prove why they are taking funds out of an elderly persons ' savings account and can not prove or explain why. I don't feel I should be held hostage on paying money they took out of a savings account without them showing why or they will report me to the credit bureau. That seems illegal to me. When I call the bank, I get the run around and kept on hold for hours. Can you please help me?

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
On XXXX I received a notice that my SoFi account access had been temporarily restricted and that I needed to contact their security team. I have contacted SoFi over the phone three separate occasions between XXXX XXXX XXXX XXXXXXXX and have not been given any explanation. I can not access any of my SoFi accounts and have been given no options to withdraw any of my funds or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CITIBANK, N.A.
State: VA

Complaint narrative:
A new credit card account was opened without my consent on XX/XX/year>. I filed a CFPB complaint ( COMPLAINT ID- XXXX ) asking the bank to close the unauthorized account and remove the unauthorized account from my credit profile. The bank declined to do either of them ( Citi 's response attached ). Instead, the bank insisted that they received an online application for a Citi / AAdvantage Platinum Select account on XX/XX/year>, which I categorically deny. To prove that I didn't apply for a Citi / AAdvantage Platinum Select account on XX/XX/year>, I am presenting these facts - 1 ) I already have a Citi / AAdvantage Platinum Select account opened on XX/XX/year>. Please see the attached credit card statement ( file name - Statement for card opened in XXXX XXXX ) from my existing/old AAdvantage Credit Card . Why would I apply for another AAdvantage Credit card within a time frame of 2 months? 2 ) If the bank insists that I applied for another AAdvantage Card on XX/XX/year>, why didn't the bank make a hard inquiry of my credit from any of the credit agencies? Can the bank send me my credit report obtained on XX/XX/year>? 3 ) Why is the credit limit of my account opened in XX/XX/year> exactly the same as the credit limit of the account opened in XX/XX/year>? The credit limit of both accounts is {$14000.00}. Please compare the credit limit shown in the attached file - " Details of unauthorized account opened in XXXX XXXX '' to the credit limit shown in the attached file - " Statement for card opened in XXXX XXXX ''. I think it is because the bank used my application from XX/XX/year> to open a new account again in XXXX, 2024 even though a new account was opened in XX/XX/year> already. I didn't apply for this account on XX/XX/year> and this account from XX/XX/year>, was opened without my authorization.

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This was not my debt. I was listed as an authorized user on the account. I would like it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my credit report i noticed fraudulent address that do not belong to me. I am request that the following address be remove because they are not associated with me and i have never lived at any of these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I have contacted Online Information Services multiple times on XX/XX/year>, XX/XX/year>, and on XX/XX/year> to address concerns regarding the violation of my privacy rights and the North Carolina Consumer Privacy Act and the North Carolina Consumer Protection Act. Specifically, they failed to safeguard my personal information, which was obtained by the XXXXXXXX XXXX XXXXXXXX without my consent. This information, including my name, cell phone number, address, and Social Security number, was improperly disclosed to XXXX, XXXX, and XXXX. I also spoke with the XXXXXXXX XXXX XXXXXXXX multiple times XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> about contacting Online Informational Services to have them remove the collection from my credit report. The XXXXXXXX XXXX XXXXXXXX is refusing to do so. I told them that they are violating my privacy right by disclosing my personal information to Online Informational Services without my consent. I did not give the XXXXXXXX XXXX XXXXXXXX the authorization to release my personal information such as my name, phone number, address, and my social security number to Online Informational Services. They are violating the Georgia Consumer Privacy Protection Act. 

At no point did I authorize the disclosure of my personal information. Furthermore, I have informed them that I am not liable for the debt Online Informational Services are asserting, as I have no agreement or contract with their company. Online Informational Services has stated that they will not resolve this issue which has led me to take further actions to resolve this problem. 

I am prepared to provide audio evidence to substantiate these interactions if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I called National Enterprise Systems on XX/XX/year> about my auto loan debt that they are handling. We had came up with an agreement for me to pay an amount of {$1800.00} and in return get it marked as paid in full. I called other times to confirm the information and multiple agents said that the original agent that I spoke to on XX/XX/year> communicated it wrong and that the agreement was actually to pay that settled price and have it marked as settled. That being said, I canceled the agreement because I needed time to figure out my finances to see if I could afford the option to pay in full. That brings us to today, XX/XX/year> around XXXX PST I called to ask for the original transcripts or voice recording of the recorded line of the call that took place on XX/XX/year> for more clarity on the miscommunication and was denied access to those voice recordings. The agent told me that it wasn't possible or allowed then pursued to try to tell me I had to pay the agreement today when I had already communicated with him that I already spoke to his manager the day before ( XX/XX/year> ) about canceling that agreement since it wasn't what I agreed to and the manager was okay with it. 

My write this complaint because my rights to access my vice recording and/or transcripts were violated under the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached screenshots of the call logs from the dates mentioned.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding an ongoing issue with a medical debt that has been inaccurately reported on my credit report. This matter involves [ XXXX. ] and subsequent collection agencies { XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX }. 

Here is a summary of the situation : 1. Paid Debt : This medical bill was covered and paid through my insurance. 

2. Debt Removal : After contacting the previous collection agency, they removed the debt from my credit report, acknowledging the error ( XXXX XXXX XXXX ). 

3. Debt Resold : Despite this resolution, the debt was sold to another collection agency ( XXXX XXXX ) and has since been re-reported on my credit report, causing unnecessary distress and potentially damaging my credit standing. 

I have made every effort to resolve this directly with the collection agencies involved but have been unable to reach a satisfactory resolution. I am requesting CFPB 's assistance in addressing the following : - ) Ensuring this debt is permanently removed from my credit report. 

- ) Preventing any future sale or reporting of this invalid debt. 

- ) Investigating the practices of the collection agencies involved to ensure compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter are copies of relevant documents, including : - ) Correspondence with the previous collection agency confirming the debts removal. 
- ) Current credit report showing the re-reported debt. 

I kindly ask for your prompt attention to this matter to ensure that it is resolved fairly and permanently. 

Thank you for your assistance.

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