vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I receied a fraudulent text message stating : Charge of {$730.00} was attempted at XXXX Arizona on your BANK OF AMERICA. Not your, XXXX I called the number and an XXXXaccent stated it was XXXX with Bank of America XXXX He new the last four of my social, my joint account was with my wife and also where I was located. When I attempted to question this, I was hung up on. 

I called from a different line and asked again where they were located and he stated " Your mama 's house. '' and then hung up.

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 2025-02-03 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I emailed my complaint to Wells Fargo Bank after my numerous unsuccessful attempts to convince their bankers that their overdraft fee of {$35.00} was unjustified. 
I received their negative response despite the screenshot of my account for the day when overdraft is occurred, clearly showing positive balance at the end of the day. 
I have attached the file for your information. 

Thank you. 

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I wrote to XXXX XXXX and filed a formal dispute with the Discover card. I ordered food from XXXX XXXX XXXX for {$70.00} on XXXX. They said the food would be ready at XXXX. The food was not delivered to use until XXXX so we waited outside for 45 minutes. The food that came was unedible. When ordering XXXX they ask you about how spicy you want it. We said Mild. They delivered it so spicy that we could not even eat it! The whole food we received was not edible at all and it was thrown out. I called the restaurant 5 times to discuss this with them. They never ever responded so I disputed the charge. Just because the restaurant told them they gave me the meal Discover ruled in their favor! They never called me to discuss or investigate anything. If the item i ordered was not as described they are to refund me which Discover has refused to do! I am filing this dispute formally against Discover for failing to provide me with the rights I am owed and that is to refund me in full for receiving goods that were NOT as Described!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
An old phone number of mine, which I have no access to, is linked to my Experian report and Experian online account. Due to that, I am unable to sign in or retrieve any information on my credit report due to a 2-step verification that sends a text to an old phone number. I attempted to reach their customer service department to attempt to update my personal information/phone number. Also to prevent any stranger accessing my account if they get the old phone number assigned to them. None of the phone numbers that appear online for Experian give you an option to fix this issue, or at the very minimum, allow you speak to a human or representative that could walk you through fixing this. Their official website also does not give you an option to update this information.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a mobile deposit into my checking account ending in XXXX, This deposit was for {$780.00}, I was charged a fee of {$15.00} for immediate funds availability, and was given no choice not to pay the fee. I called them because I do not need the funds to be available immediately and was told that the product, and " Express '' checking account is charged expedited fees on all mobile deposits and that it was in the agreement when I opened the account. I asked for the documentation, and was directed to : https : XXXX XXXX XXXX The representative indicated that paragraph XXXX of this document states that mobile deposits will be subject to an expedited availability fee. This paragraph is as follows : 1. Check deposit transactions processed inside a branch will be free and subject to standard availability rules as outlined in the Deposit Accounts Rules and Regulations. The immediate funds option may be exercised if expedited availability is preferred. Check cashing restrictions and fees may apply.

This paragraph does not specifically reference Mobile deposits, just deposits in general and includes language that seems to infer a choice in whether to pay the expedited availability fee, " The immediate funds option may be exercised if expedited availability is preferred. '' Nothing in the balance of this document that references Mobile has anything to do with deposits. 

In a more extended document about Deposit accounts Rules and regulations, the language about deposits indicates that expedited availability is a choice.

" ( a ) Personal Accounts. Check deposits made at one of our branches, by ATM, with a Bank employee, or using Mobile Deposit will be made available to you on the first Business Day after the day we receive your deposit. Checks deposited through Mobile Deposit using the immediate funds option will be available on the Business Day we receive your deposit. Funds from all other check deposits will generally be made available to you no later than the second Business Day after the day we receive your deposit.

Again this paragraph does not indicated that one must use immediate funds option, again showing choice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit agencies are reported fraud accounts after been contacted several times. I'm currently unable to access cattery files at this time. I can see XXXX wireless is still been reported which is a fraudulent account along with names and addresses. Each time I tried to assess XXXX, Equifax XXXX XXXX I am greeted with an error. I was only able to find out that little brief information from trying to get an account with XXXX XXXX XXXX and having the ability to speak with a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, a number from XXXX ( XXXX ) - XXXX - XXXX, called me, I picked up and they claimed this was wells fargo stating they are calling because of fraudulent transactions that are appearing on my checkings account. I told them to prove to me they are wells fargo and they told me look up the number. Sure enough if you google the number, the number is indeed a wells fargo fraud case number. They asked me about transactions occurring in Georgia and I told them no this was not me. Furthermore, I believed them even more after they read real payments I have made with my debit card that I have made transactions ( for example, a XXXX XXXX purchase and a gas station purchase ). This made me think this was actually wells fargo because they had information on my bank statements. All the text message came from " XXXX '' which is a wells fargo number they use to contact customers. So it seemed more and more legit. 
They asked me for my SSN and XXXX  I did give that to them. They told me in order to fix this fraud, we need to use your apple wallet. This part is blurry because it has been a while, but basically they told me to type in {$2900.00} in my XXXX  wallet to fix this whole issue. They told me they would call me later about this fraud. Later at XXXXXXXX XXXX  the same day, they called and said that this was being fixed. The VERY next day on XX/XX/XXXX I went to the bank because I saw {$2900.00} being withdrawn from my account. I went to Wells fargo that day to see what the issue was about. I told my banker this was NOT an AUTHORIZE TRANSACTION and that this money suddenly taken out WITHOUT MY PERMISSION. The banker, made a fraud claim. He even ensured me this claim was going to pass. That day my banker requested a new debit card to me. 
Sure enough, Wells fargo called XX/XX/XXXX I believe, about the claim. I gave my answers truthfully. On XX/XX/XXXX I saw the claim had been denied. On XX/XX/XXXX I went to wells fargo again about the claim. The same banker was surprised the claim didn't go through. We made an " executive claim '' this time. My banker knows the SSN was given but that doesn't explain how the hackers accessed my bank account and could read my transactions. The very day I made a new checkings account because I had no idea how the details to my account got compromised. It has been more than XXXX days and Wells fargo has still not contacted me. I called them on XX/XX/XXXX, and the lady on the line from the fraud department told me there was nothing I can do. 

Here is the claim number : XXXX XXXX claim number : 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Regular payments have been made but account status does not reflect current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-02-03 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:
I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Late Payment Date : XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AR

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. 

List of Unauthorized Inquiries : 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 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 non-monetary relief
Consumer complaint received 2025-02-03 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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