vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a collections account with XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$6400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year> at around XXXX I lost my phone in XXXX at a bar. Once I realize and looked around for it I claimed it gone or stolen and immediately went home to my laptop to try to find it while also calling it which it was being shut on and off for this service not to be possible. I then began the process to erase all of my info on the phone through XXXX. That same morning hours later I went to get a new XXXX at XXXX XXXX XXXX and begin the process of recovering all of my data. Once I was able to get this done, I went to check my email on my laptop to show that there was an email from Wells Fargo stating a denied wire transfer for XXXX on my account and that I needed to come into a bank. I tried to log into my online banking but was denied of this too and told to go into branch. I went in shortly after only to find out that there were many fraudulent transactions that occurred following my phone being lost/ stolen whoever during the early morning hours using my WF debit card on XXXX XXXX and then transferred to an unknown account. The amount totaled {$990000.00} with a {$30.00} transfer fee. WF told me make a claim over this which I did and also I made one with XXXX XXXX or XXXXXXXX XXXX XXXX I also got a police report stating exactly what happened in hopes this would be helpful in my claim. Both WF and XXXX XXXX XXXX have denied my claim or claims at that multiple times saying the same broke record that I authorized the transactions, that I benefited from this, etc. Clearly this is not true. I had XXXXXXXX XXXX and a passcode on my phone. I have no idea how they got in but they did and I have called XXXX so many times with escalations to every department and executive levels only to be told I will get a call back from them regarding it. This hasn't happened once and its been over a month now. I have so many cases numbers that are newly assigned only to go nowhere. I need my XXXX back because I didn't do this nor was any of the transactions flagged by WF at any time which is ridiculous. I have never used XXXX XXXX. 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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a XXXX  XXXX  checking account with US Bank with an opening deposit of $ XXXX during XX/XX/year>. It has a promotion of {$800.00} after 60 days. There is no way one can reach out and talk or chat to a real human being. Called the toll free number- they have the XXXX- which think that even if i blink my eyes or breathe- it's an input. Why not human beings? Why go so cheap? 

Later I got somebody to chat - who is really super super slow - good for nothing. 

I need to know when i am going to get {$800.00} cash back bonus? 
Based on my chat with Asar on XXXX XX/XX/year>- i need to keep $ XXXX as balance to avoid any penalties or fees- please confirm. 

Please make it easy for customers. 

No need to outsource and hire cheap XXXX XXXX  workers.

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 2024-10-09 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Dear Portfolio Recovery associates________________, This letter is being sent to you in response to : Check One ( 1 ) - Notice sent to me on XXXX XXXX, XXXX. 
- Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a reques t for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provi de me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated i nformation to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against y ou and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Colle ction Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the follo wing Declaration, I will require at least 30 days to investigate this information, during which time all collec tion activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the da te of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE HELP ME. EVERY TIME I'M SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF 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 explanation
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payment entries. Despite sending letters about this issue more than 30 days ago, I've received no response, and they haven't provided satisfactory validation. I'm seeking your help to resolve this matter quickly and effectively.

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 2024-10-09 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: TX

Complaint narrative:
I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payment entries. Despite sending letters about this issue more than 30 days ago, I've received no response, and they haven't provided satisfactory validation. I'm seeking your help to resolve this matter quickly and effectively.

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 2024-10-09 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit card/Checking account were both hacked checking account was left at {$0.00} & a cash advance was made from my credit card they refuse to recoup my money they keep saying they reached out to the other bank which the transfer was made to but obviously they wont get nothing back because the hackers already took the money they pulled from my accounts it's very disappointing after being with Wells Fargo for 21 years I'm still being treated as if I am lying or I'm the one who committed the hack on purpose. police report was made but it appears its non effective nothing has been resolved.

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding Chases unjust closure of my personal checking account and the complete lack of transparency throughout the process. 

On XX/XX/year>, I opened a personal checking account with Chase ( Account Number : XXXX ) via their online portal. The account was opened successfully, and I had begun the process of switching my direct deposits to this account. 

However, on XX/XX/year>, I received an email from Chase stating, To protect against potential fraud, we restricted your account and may close it soon. Upon attempting to log in, I found my online access was disabled without any warning, and I was instructed to contact customer service. This is where the nightmare began. 

I contacted Chase immediately on XX/XX/year>, and after speaking with several representatives, I was informed that my account was being closed, that I was permanently barred from opening any future accounts with Chase, and that my funds would be held for an unspecified period before eventually being mailed to me. When I asked why this was happening, I was repeatedly told that my account was flagged for suspicious activity, despite the fact that I had not made any transactions on the account. 

Each time I requested details on what suspicious activity had occurred or how I could address the issue, I was given the same vague response. I spoke with a supervisor who simply reiterated that I had violated the Terms and Conditions in Section 1, subsection I, yet no further clarification was provided.

When I was transferred to another specialist, I was informed that the process of identifying suspicious activity was a trade secret. This is an unacceptable response, as I am now left without the ability to access my account, and as a result, I am facing financial hardship due to outstanding invoices and direct deposits being linked to this account. 

This entire experience has been both frustrating and financially damaging. After researching the issue, I have discovered that Chase has a pattern of closing accounts without providing adequate explanations, affecting many other customers like myself. 

I am urgently requesting the Consumer Financial Protection Bureau 's assistance in holding Chase accountable for their lack of transparency and their unjust treatment of customers. I ask that my account be reopened, or at the very least, that Chase provide a clear explanation of the alleged suspicious activity and the specific reasons behind their decision to close my account and bar me from banking with them. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I would like to verify that the company is acting in good faith by reviewing the amortization schedule per the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the collection account listed under XXXX. XXXX, XXXX, as it appears in my credit report. Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I have a legal right to request and be provided with specific documentation and proof to validate this debt. I have made multiple requests to XXXX. XXXX, XXXX for such documentation, yet they have failed to provide sufficient evidence to validate this debt. 
On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX. XXXX, XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that Experian remove this account from my credit report under the XXXX XXXX XXXXXXXX XXXX XXXX. 
Specifically, XXXX. XXXX, XXXX has failed to provide the following : a ) Proof that they are licensed or legally authorized to collect debts in the state of XXXX. 
b ) Proof of their bonding agent in case I need to seek legal counsel. 
c ) Proof of their authority in the collection process ( e.g., debt buyer, XXXX party ). 
d ) Proof that the original creditor authorized them to collect the debt on their behalf, including the name of the original creditor and the delinquency date. 
e ) Proof of any agreement or signature ( WET SIGNATURE/INK ) between XXXX. XXXX, XXXX and I, XXXX XXXX XXXX, related to this alleged debt. 
f ) The Master Bill of Sale related to this debt. 
g ) The agreement granting them authority to collect the alleged debt. 
h ) Proof that they sent a XXXX XXXX to me, which is required prior to reporting this collection to any credit reporting agencies. 
i ) A formal declaration, notarized, swearing to the truth of the facts, confirming firsthand knowledge of the 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 explanation
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-10-09 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
You guys are illegally reporting an open account as closed and a charge off when im still logging into my app making payments & have my car and never got any kind of notifications saying it's in collections, repossession, nor a charge off. On top of that it says I'm up to date with all payments as of XX/XX/year>. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This was American express response. 
We comply with laws and regulations We are committed to making sure all credit worthy customers have equal access to credit. 

That is why we take appropriate measures to make sure that our representatives comply with all laws and regulations. It is against our policy and our culture to make credit decisions or service an application on a prohibited basis. The actions taken on your application were based on valid reasons and in accordance with our policies and procedures. 
Please response to these Laws and Regulations since American Express follow 's all laws 15 USC 1691 ( c ) 15 USC 1692 ( k ) 15 USC 1642, 15 USC 1681 ( m ), 12 CFR 1002 I the consumer made an application in good faith but credit was not issued.

15 USC 1602 ( i ) mY SOCIAL SECURITY NUMBER WHICH ACCORDING TO 15 USC 1602 ( i ) is defined as a credit card was used and i received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) 15 USC 1681 ( n ) 15 USC 1681 ( O )

Company response to consumer: Closed with explanation