vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: PA

Complaint narrative:
My name is XXXX XXXX please add this to my complaint also XXXX CFPB because I am having issues to verify if {$150.00} XX/XX/year> Teller Cashed Check # XXXX was disputed as wrong amount it should be for {$20.00} not for {$150.00} and all the agents told me its wasnt dispute or they dont see a dispute and when they all dispute it and give me these numbers Reference number XXXX Reference number XXXX Reference number XXXX They also say this The research department will contact me in 10 business days please check to make sure it was disputed or dispute it for me and send me proof when it is dispute XXXX and contact me at XXXX etc

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 2024-06-11 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: UT

Complaint narrative:
On XX/XX/year> It all started out I've had a family member of mine ( whom I will remain anonymous ) get access to my Wells Fargo CD savings by wanting to use my phone device for a phone call about an hour I Trustingly and mistakenly I agreed. A day or so after I discovered unauthorized purchases from XXXX of {$23000.00} worth of crypto currency through a company called XXXX, this is the 2nd time this has happened. Before I never knew until now my family member has since moved And I lost contact, anyway, Wells Fargo still believes I authorized these payments and denied my claim twice now saying I could of prevented it? How can I prevent a family member whom I once trusted scam me and disappear? It doesn't make sense for me to put {$20000.00} in savings just to make a big purchase! I need help emy money back since Wells Fargo has now removed my online access and restricted my debit card. I need help really bad.

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 2024-06-10 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: CA

Complaint narrative:
I am writing to dispute the accuracy of this account on my credit report. Upon reviewing it, I discovered inaccuracies that need immediate attention. 

Firstly, this account was not part of any bankruptcy proceeding and should not be reported as such. Secondly, the balances reported for this account is incorrect and do not reflect the actual amounts owed : There was an error in reporting this account, and I request they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and ask that you conduct a thorough investigation into this matter. 

XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I am writing to urgently address an ongoing issue with my account related to a recent vehicle rental from XXXX. In XX/XX/XXXX, I rented a vehicle and returned it in XX/XX/XXXX. Subsequently, I noticed recurring charges on my account despite the vehicle being returned. Despite being assured by a XXXX representative that the extra charges would be refunded, the problem persists after multiple follow-up calls. 

During my recent conversation, a representative informed me that there was nothing they could do to assist and advised me to contact my bank. Unauthorized transactions were made to my account, and despite efforts to resolve this matter directly with XXXX, the issue remains unresolved. 

I had a conversation with XXXX from Citi Bank disputes department, and she informed me that my account had been charged XXXX times for a total of {$8200.00}. She submitted several complaints on my behalf and provided me with reference numbers. However, although she assured me that my account would be credited for the unauthorized charges, my account currently only reflects a balance of {$800.00}, which has only worsened the situation. 

I am formally requesting the immediate removal of these unauthorized charges from my account and the corresponding finance charges to be credited back. Further, I am requesting a corrected statement that reflects these adjustments. 

I am also requesting Citi Bank to conduct a thorough investigation into this matter and rectify the unauthorized charges promptly. Additionally, I request copies of all applications and business transaction records related to these fraudulent activities in accordance with FACTA regulations and my status as a victim of identity theft. These records can be directed to the address on file. 

I sincerely appreciate your immediate attention to this matter and eagerly anticipate your assistance in addressing this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
The accounts in question were sent to 3rd party collections in XXXX XXXX XXXX XXXX XXXX and was dissolved in XXXX, all credit reporting agencies have removed this account except XXXX. This account needs to be removed immediately. XXXX XXXX loan account XXXX and XXXX regions bank credit cards that have been modified as part of updates through XXXX and just increased the length of time, change of balance amounts and a lot more? These XXXX accounts were managed by XXXX XXXX XXXX while at XXXX XXXX XXXX XXXX and have since been removed from XXXX, XXXX and XXXX XXXX XXXX XXXX databases but still lingers on at XXXX? I have provided all original creditors with the Reference ID provided by XXXX and they just brushed it off as part of an ongoing investigation that does not require and investigation? Please reach out to these people and creditors alike and see what they will say to you.

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 2024-06-11 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: TX

Complaint narrative:
There are invalid Collections on my credit report that I do not recognize. This is causing a lot of detrimental circumstances for me and a big toll on 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 2024-06-10 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: 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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
Recently, I reviewed my credit report and found multiple items that caused me significant distress. These items appear to be unverifiable, invalid, inaccurate, and questionable. It is evident that your agency did not ensure these entries were 100 % accurate. 

According to the Fair Credit Reporting Act, all information on my credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation due to their inaccuracies. 

I am attaching copies of all relevant correspondence for your review. Please address these discrepancies promptly to ensure my credit report reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
Account Has been paid in full, XXXX XXXX refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.

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 2024-06-10 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-10 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: CA

Complaint narrative:
I have made several attempts to inform the following companies know these accounts were opened fraudulently. These companies are in violation of U.S 1666B and also each violation carries a {$1000.00} fine per violation of my rights. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX Bank Account # XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX  Account XXXX XXXX Opened XXXX XXXX Balance {$710.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2300.00}

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 non-monetary relief
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I reported that i had lost my wallet at a basketball game a few years as of recently ive been receiving calls about a debt for around {$1500.00} from a midland credit company i have no idea what this company is and what this debt it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint it is intended to expose that Wells Fargo continues with illegal abuse of homeowner 's rights and it is using the settlement of several violations of agreements to achieve greater benefit towards them and their way of defrauding not just the consumer who have suffered great harm by been wrongfully foreclosed. This XXXX XXXX remediation plan it is XXXX and Wells Fargo it is using it to commit even more abuse and benefit from it instead of correcting their misconduct and illegal way of business. I will be referring part of this complaint to the XXXX so that our Bank Enforcement Agencies can also be hold accountable in been more efficient in making the banks not make a joke of them by getting away with it. Since my case is beyond the scope of the majority of complaints submitted to you, I am requesting a special oversight officer to contact me directly in order to give the specifics of my case and find a way to make Wells Fargo not to continue abusing the system " Continuance of Violating Homeowners Rights and Settlement Agreements '' and embarrassing our Consumer Protection Agencies. Insights about my case ; Wells Fargo tried to settle pain, suffering and damages by sending me a check back in XXXX of last year, this compensation check does not offer near enough to compensate for the devastating ripple effect a foreclosure can have, including the stress and trauma of losing ones home, related health problems, and destroying peoples credit, aside from other damages including depriving homeowners of their home value and much more. I will greatly appreciate it if someone who has understanding over the matters mentioned above can contact me either via email or calling me directly in order to state more about how Wells Fargo it is using the Settlement Agreement Process towards their benefit and not of the homeowners and consumers, and I request for this complaint not to be share with them until a full investigation is initiated in order for them to hide what they have been doing before, and since they were found in violation of Federal, State and Servicing 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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello. I did not authorize this transaction. Please delete from my credit record. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: LA

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> I did a mobile deposit of my paycheck for {$370.00}. I received a response that my funds would become available on XX/XX/XXXX to ensure my paycheck wouldnt bounce. XX/XX/XXXX I contacted Chime and asked why my funds were still not available. They could not give me an answer. Then when I logged back into the app, the date changed to XX/XX/XXXX. This has caused an overdraft on my account. I am unable to feed myself and children or put fuel in my car.

Company response to consumer: Closed with explanation