vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX  my husband went to Wells Fargo in XXXX Florida and tried to deposit money into my Wells Fargo account I had three posits of {$150.00} each and a mobile deposit one was put on hold the other two was put into my availability and was told me I was able to use it in my account not only did I do that but they did not allow my husband to put any kind of money into my account even though he had my authorization and my funds to do it. So I went back up there at the very next day and put in cash funds myself into the bank and the bank was still showing that there was {$300.00} available to me in my account before I put any money in there and XXXX was on standstill for verification. On XX/XX/XXXX the {$150.00} that was on hold was put thrown out and it was said it was bad check or whatnot. But the other dollars was still showing available in my account so I pay bills because I assumed it was the money that my husband was trying to put in there and that the bank screwed up. Well I had XXXX cents to the good in my account this morning last night and this morning I wake up and it my account states that I'm negative {$290.00} and something cents in my account which is XX/XX/XXXX of XXXX the money was put into my account on the XXXX of XXXX so my question is and what I attract kept trying to ask her was how could y'all put availability for {$300.00} into my account for 4 days 5 days and then all sudden take it out of my account I told her she needed to make it right and they need to put my account back into the positive because I have never been negative in their accounts and this is the second time in years that I've had issues with Wells Fargo in XXXX they refuse to do anything for me they kept saying that I had to pay it I have to pay it I can't afford to pay {$300.00} that was not my fault because they put it in my availability when they shouldn't have and I made sure that it was available for 5 days in a row now I am on XXXX I only received a certain amount of month limited money a month in my account and now that they did this I have already got a new bank account because they keep telling me into red flagging me at the end every month every month they're doing this and I'm always having to put some kind of money into their account into that account and I can't keep doing it I didn't have this issue when I lived in Alabama it's only until I moved back to XXXX so my account is still negative {$290.00} and something since because they've refused to even if it was a scam they have FDIC to replace that and there is an act that's supposed to replace that money too if it was fraudulent

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am wanting these inquiry to be deleted, Because I did not authorize these companies to run my credit thats fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CORELOGIC INC
State: TX

Complaint narrative:
I am wanting these inquiry to be deleted, Because I did not authorize these companies to run my credit thats fraudulent.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern, This letter is to formally dispute inaccurate information on my credit report. I am writing in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. Section 1666b of the FCRA prohibits you, as a credit reporting agency, from including inaccurate or misleading information in consumer reports. 

I am disputing a XXXX transaction XXXX currently listed on my credit report as a late payment. I was never provided with the disclosures required by 15 U.S.C. 1637b. This section mandates that creditors furnish a clear and conspicuous disclosure statement before marking any account as late. Without receiving this disclosure, the legitimacy of the transaction can not be confirmed.

I request that you investigate this dispute promptly and thoroughly. Based on the lack of authorization and the missing disclosures, I demand that you exclude the XXXX transaction from my credit report. Please notify me of the results within the timeframe mandated by the FCRA. 

If the investigation confirms my claim, I expect you to update my report and reflect the exclusion of this disputed transaction. Additionally, please provide me with a copy of the updated report. 

I understand that you are required to notify me of the results of your investigation within 30 days of receiving this letter. If I do not receive a response within that timeframe, or if I am not satisfied with your investigation, I will be forced to pursue further action as authorized by the FCRA. 

Thank you for your time and attention to 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 non-monetary relief
Consumer complaint received 2024-06-01 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:
To whom it may concern, This letter is to formally dispute inaccurate information on my credit report. I am writing in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. Section 1666b of the FCRA prohibits you, as a credit reporting agency, from including inaccurate or misleading information in consumer reports. 

I am disputing a XXXX transaction XXXX currently listed on my credit report as a late payment. I was never provided with the disclosures required by 15 U.S.C. 1637b. This section mandates that creditors furnish a clear and conspicuous disclosure statement before marking any account as late. Without receiving this disclosure, the legitimacy of the transaction can not be confirmed. 

I request that you investigate this dispute promptly and thoroughly. Based on the lack of authorization and the missing disclosures, I demand that you exclude the XXXX transaction from my credit report. Please notify me of the results within the timeframe mandated by the FCRA. 

If the investigation confirms my claim, I expect you to update my report and reflect the exclusion of this disputed transaction. Additionally, please provide me with a copy of the updated report. 

I understand that you are required to notify me of the results of your investigation within 30 days of receiving this letter. If I do not receive a response within that timeframe, or if I am not satisfied with your investigation, I will be forced to pursue further action as authorized by the FCRA. 

Thank you for your time and attention to 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 non-monetary relief
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
My credit score recently went down by XXXX points and the only thing that changed is XXXX decided to start reporting my student loans TWICE and incorrectly so it now looks as if I have more than double the debt. For reference, they have two older reports ( with the last payment showing as XXXX and I just made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, etc ) that show incorrect student loan balances of in excess of {$26000.00} altogether ( one approximately {$9800.00} and the other approximately {$16000.00} ) - these amounts and payments are incorrect and need to be removed from my credit. They ALSO have an entry for approx. {$25000.00} - this is the only correct entry on my credit and includes the ENTIRETY of my student loans. I do not owe over XXXX XXXX DOLLARS anymore - and they will not fix it. They claim they are unable to even look into it unless I file a dispute with experian first. I have done so but how lazy and cruel? Your ( XXXX ) poor accounting and reporting caused my credit to drop by XXXX points while we are shopping for a home for our family and you cant be bothered to fix it unless forced to do so by an outside party? I am extremely disappointed with this servicing company. Please provide more oversight. Perhaps if they remember the watchdog is watching they will behave a bit better.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted a complaint here online on XXXX, today is XX/XX/XXXX and they have just now responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: MA

Complaint narrative:
This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$4400.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 SS : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: IL

Complaint narrative:
On XX/XX/XXXX, I had several issues with accessing all features of my JUNO debit card. All purchase transactions were declined without notice and withdrawals were not possible. updates have been provided but not an expected date of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MA

Complaint narrative:
I recently obtained a copy of my credit report and discovered several accounts listed in collections that do not belong to me. To address this issue, I promptly sent a written dispute letter to the consumer reporting agency requesting them to validate the accounts in question. Despite my adherence to the proper dispute process and the Fair Credit Reporting Act ( FCRA ), the consumer reporting agency failed to respond within the 30-day period required by law.

The presence of these erroneous collection accounts on my credit report has significantly impacted my credit score and has caused undue stress and potential financial harm. As a consumer, I am entitled to accurate information on my credit report and prompt resolution of disputes.

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 2024-06-01 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: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year> I transferred my XXXX $ life savings into my Chime checking account to help me survive financially at that time because I was fighting for full time XXXX due to my severe XXXX, XXXX, and XXXX that was caused by two combat deployments to XXXX while in the XXXX XXXX. Due to my XXXX I was unemployed at the time and still am while I'm waiting for my XXXX to be approved. That money arrived in my account around XXXX on XX/XX/year>. A little later in the day on the same day at XXXX I started to get these weird notifications of all these XXXX $ charges happening every XXXX mins at a website I had only used a couple times in my life. So I immediately tried logging into my Chime account but whoever had hacked my account almost made it impossible for me to get back control of my account. I eventually got my account back and immediately opened the live chat and explained what was going on and told them to stop every transaction that's going on that's it not me and they assured me everything would be fine that I would just have to wait for all the charges to settle and then I could dispute them and get my money back with no problem. Receiving that information made me feel alot better about the situation even though I eventually got locked back out of my account. After doing my own research and finding others this has happened to it was clear the hacker was on a gambling site called XXXX XXXX and was using my account to buy himself credits on the game. Once all this weird activity started happening.. I would get security login emails showing the person was in XXXX XXXX XXXX, heck even one of them showed no location, no device, just the date and time. It was very obvious this was not me because I haven't left the state of XXXX XXXXn several years. Keep in mind the person somehow hacked into my XXXX account, my XXXX, my XXXX pay, and my XXXX photos and completely stole my identity as well. Please look at the times of the charges at the XXXX XXXX  site.. the hacker was spending XXXX $ at a time every XXXX mins. It was very obvious what was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX account Account ending in XXXX Citi Reference Number : XXXX Citibank blocked my checking account on XX/XX/year>. Since then, I have made several attempts to resolve this issue by visiting Citibank branches in XXXX with valid photo identification and contacting the Citibank fraud center. Unfortunately, the matter remains unresolved. 

During each interaction with Citibank representatives, I was informed that I would receive a letter containing a reference number necessary for identity verification. The bank has claimed to have sent this letter on multiple occasionsXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have not received any of these letters. 

To ensure I do not miss any mail, I have registered for the XXXX XXXX XXXX XXXX and have been diligently checking my mailbox every morning and evening. Despite these efforts, no correspondence from Citibanks Fraud Prevention department has arrived. 

It has now been XXXX  days since I have been unable to access my account. I have requested that Citibank unblock my account, but the problem remains unresolved. 

I requested that Citibank unblock my account, but they keep telling me to wait for a letter that is not arriving. I implore your urgent intervention to compel Citibank to promptly rectify the situation. 
Thank you for your prompt attention to this urgent 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 2024-06-01 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:
Report Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX not conducting investigations. Instead, they are just verify information based on addresses that are not. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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