vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: CT

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I ( XXXX XXXX ) received a Wells Fargo text message on my cell phone # XXXX if I recognized a transaction from XXXX XXXX XXXX for {$2900.00} from card ending XXXX ( XXXX XXXX debt card ) and I immediately responded ( NO ). I then opened my bank account and noticed 4 transactions from XXXX XXXX XXXX XXXX PA. I called my husband and he stated he did not use his debt card for any purchases for this company. We were both in CT and did not travel to this location. I immediately called the fraud line at Wells Fargo to report the fraud use on our account. The fraudulent charges by XXXX XXXX XXXX XXXX XXXX were for {$2900.00} and {$1100.00} both transactions occurring right after each other. Wells Fargo immediately discontinued the card ending XXXX and said would replace the card. I was told it would take 10 days to resolve the issue. I called the bank for an update, the last representative said I would be getting a credit for {$4000.00}. I called Wells Fargo back because I did not see my credit back in my account by 2 days as promised, I was told by the representative that XXXX did an investigation and stated we authorized the charges and there was no error. This statement is false and impossible because we were not in XXXX nor does the company exist, according to an on-line search. There is no business called XXXX XXXX XXXX XXXX. We became victims of hacking, fraud, or inside banking fraud on our account. We want full credit of the stolen amount of {$4000.00}. 

A report was filed with the XXXX Police department

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Ex ( Current Husband, but in the middle of a brutal Divorce ) opened XXXX American Express XXXX XXXX in my name without my permission. He listed himself as the Power of Attorney. These were opened without my knowledge and have been opened for years. Once I found out they were open. I tried to use them but XXXX then closed the accounts ( He is abusive financially ). I called AMEX and told them that I never even agreed to these cards being opened under my social security #. He also opened a XXXX XXXX credit card and Im thinking he opened a student loan account and a XXXX XXXX in my name as well.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  Scheduled to be removed XX/XX/year>. This account is still reporting on my credit and I would like for it to be removed.

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 — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a serious issues of : False advertising Where truist offered a bonus for a business checking account I complied with all requirements, even went to a branch in person when asked with my identification and still bank has not paid the bonus after about 6 months. 
In writing the bank indicated to provide documentation, which I did and all these employees failed to comply with the advertised offer. 
Truist broke the law and has not fix that issue yet. 
Employees involved XXXX XXXX XXXX XXXX Attached correspondence indicating what was needed to fix their issue for then to issue the promo. 
I went to the bank branch show ids and still no bonus. Im requesting the bonus

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.

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: GA

Complaint narrative:
Subject : Request for Removal of Bankruptcy Reporting Due to Non-Reporting by Georgia XXXX Bankruptcy Court To Whom It May Concern, I am writing to formally dispute the bankruptcy information reported on my credit file. According to my records, a bankruptcy case from the Georgia XXXX Bankruptcy Court is currently listed on my credit report under the account associated with **Case Number XXXX. However, I have confirmed that the Georgia XXXX Bankruptcy Court does not report to the credit bureaus, meaning the information appearing on my report was not provided by the court itself. 
Under the **Fair Credit Reporting Act ( FCRA ) ** and **federal law**, all information on a consumer 's credit report must be **accurate, verifiable, and reported by an authorized entity**. Since the Georgia XXXX Bankruptcy Court does not report bankruptcies to the credit bureaus, the inclusion of this information on my report is **unverifiable and must be removed immediately**. 
Additionally, I am invoking my rights under the following federal statutes : - **15 U.S.C. 6802** - Prohibits unauthorized disclosure of financial information.

- **15 U.S.C. 1681e** - Requires consumer reporting agencies to ensure the maximum possible accuracy of information.

- **15 U.S.C. 1681b** - Limits who may access a consumer report and for what purpose.

- **15 U.S.C. 1681q** - Prohibits obtaining consumer information under false pretenses.

- **15 U.S.C. 1681c-2** - Grants consumers the right to block fraudulent information from appearing on their credit reports.

- **18 U.S.C . 1028A** - Criminalizes identity theft and the misuse of personal information. 
Because this bankruptcy information was not reported by the court and is therefore **unverifiable**, its presence on my credit report constitutes a **violation of my rights under the above statutes**. If this information is not removed, I will have no choice but to escalate this matter by filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other relevant authorities. 
I request that this bankruptcy entry be deleted from my credit file **immediately**, as required by law, and that I receive a written confirmation of its removal. 
Please conduct an immediate investigation and provide written confirmation of the results. I have enclosed a copy of my **identification** and a copy of my **credit report with the inaccurate information highlighted** to assist in your review. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe of **30 days** from the receipt of this letter.

Sincerely, XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing XXXX. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe {$460.00}.

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise my opt-out rights regarding the sharing of my XXXX. 

I take the privacy of my personal information seriously and expect your institution to comply fully with federal regulations. Please respond to this request in writing within 30 days. If I do not receive a satisfactory response, I may consider filing a formal complaint with the Federal Trade Commission ( FTC ) or other appropriate regulatory authorities.

Thank you for your prompt attention to this matter. Should you require additional information, you may contact me at XXXX or XXXX 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$25000.00} Chargeoff XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$68000.00} Chargeoff

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 — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have for years worked on getting the information on my credit report corrected with the agencies and creditors. The agencies have all sent stall letters stating they will not investigate as they believe a third party is requesting the information despite providing them with all of my personal identifying documents. I am providing my most recent request that is not a dispute but seeking the information once again.

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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Social security number XXXX On my experian credit report their are two fraud hard inquiries from XXXX  and XXXXXXXX XXXX XXXX  please have experian removed them 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint against TransUnion regarding two inaccurate and unverifiable dismissed XXXX  XXXX bankruptcies that are being reported on my credit file. 

The details of these accounts are : 1. Bankruptcy Case Reference Number : XXXX Date Filed : XX/XX/XXXX Court Name Listed : U.S. Bankruptcy Court Closing Date : XX/XX/XXXX 2. Bankruptcy Case Reference Number : XXXX Date Filed : XX/XX/XXXX Court Name Listed : U.S. Bankruptcy Court Closing Date : XX/XX/XXXX Upon checking with the U.S. Bankruptcy Court via PACER, I have confirmed that TransUnion did not obtain these records directly from the court. This is a violation of 15 U.S.C. 1681e ( b ) ( FCRA ), which mandates that credit reporting agencies maintain maximum possible accuracy in their reporting. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ), I am entitled to a full and fair reinvestigation of disputed information. I have previously disputed these bankruptcies, but TransUnion failed to provide evidence of direct verification from the court, which constitutes a willful violation of the FCRA.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I took out a {$4000.00} installment loan from XXXX. Since XX/XX/XXXX, I have made biweekly payments of {$100.00} as scheduled. To date, I have paid over $ XXXX the amount borrowedyet XXXX  claims I still owe {$2500.00} due to excessive interest ( 64.76 % APR ). 

I formally requested a settlement, as I have already repaid double the principal. However : 1. Mailed a formal demand letterno response.

2. Sent multiple emailsno response.

3. Called multiple timesonly told I " do not qualify '' for any settlement and must continue paying.

4. Automatic withdrawals continue without addressing my concerns. 

Despite multiple good-faith efforts to resolve this, XXXX  refuses to acknowledge my request or provide any reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
This was a gym membership the contract was up and then it was month to month. When you dont pay you cant use the gym so why are their extra fees. When I stop using the gym.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I requested a copy of my Equifax consumer report and I noticed that there where some inquiries that I don't have any knowledge of nor did I give anyone written instructions as to how to handle my report. I wrote to Equifax and requested them to remove the following inquiries because I did not Give anyone authorization to pull my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of the above inquiries where made with my permission. I asked Equifax to remove them or show me proof as to where I gave them permission and as of today I have received nothing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sold my home regular sale last year and transunion keeps reporting it as closed do to XXXX. And it's not the lender XXXX XXXX  told me they did not report it like that they know it's a regular sale and they got payed and they told transunion that but they can't do nothing because only transunion can fix that. All I want is for transunion to updated so I can get credit because I can't because of there error please updated I send them the receipt from escrow that the home sold for {$450000.00} and everyone got payed

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I ask Transunion to remove this account that was fraudulently open and dont belong to me an they not remove the accounts.

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: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request that the Consumer Financial Protection Bureau ( CFPB ) take action to have an unauthorized hard inquiry removed from my credit report. On XXXX XXXX & XX/XX/year>, I was the victim of duplicate hard inquires from PNC Bank . This inquiry was pulled not once, but twice, without my consent or knowledge. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, it is unlawful to obtain a consumer 's credit report without a permissible purpose. Furthermore, Regulation V of the FCRA, 12 C.F.R. 1022.40 ( a ) ( 1 ), states that a consumer reporting agency ( CRA ) may not include any information in the file of a consumer if the CRA knows or has reasonable cause to believe that the information is incomplete or inaccurate.

Company response to consumer: Closed with explanation