vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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: AZ

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
After reviewing my Experian consumer report, there is nonpublic information being reported in my consumer report that is a result in identity theft. I never gave written permission/instructions for this nonpublic information to be reported in my consumer report. Experian never even disclosed to me that they received request to have this information reported in my report. Below is the list of the nonpublic information being reported to my experian consumer reporting resulting in identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Whenever I pay off the full balance of my Macy 's credit card bill ( ON TIME I may add ) they then charge me an extra fee of {$2.00}, meaning I get a bill a month later for {$2.00}. I have never had a single credit card company charge me an additional fee AFTER paying off the balance. This occurs when I pay the full total balance on the first bill received, or it may also occur when I've paid partial payments over a few months. ALWAYS there is this extra {$2.00} they add on AFTER I've paid my bill in full. 
On the bill, the {$2.00} is listed under the column titled " Purchases, Cas ADV, Fees & Other Debits ''. Is this legal?????? I feel they are just collecting extra money from everyone just for the financial benefit and not for any legitimate reason. 
Thank 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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Good Afternoon, On XX/XX/22 I received an email stating the next step for my application. I begin calling Wells Fargo- they insisted and tried to downplay the matter telling me they would help to close the account BUT THEY COULD CLOSE ACCOUNT UNTIL IT WAS COMPLETED TO BE OPEN. I received many emails ( attachments enclosed to this complaint ) over the next couple of days and mail from Wells Fargo concerning opening my new account. I am also so careful about someone obtaining my personal information in the past. I thought I used the upmost steps to stop this from happening in the past! When I understood the account opened was fraud, I was so distraught! - I DECIDED TO SCHEDULE AN APPT WITH A THERAPIST! I'm still in therapy! It's not a good feeling to know you are so careful to NOT let this happen and find out the an actual Corporate Bank did this to you. Who now can you trust! Wells Fargo hurt other clients in the past with other deceptive practices- when will it stop! I called and called Wells Fargo- I called Wells Fargo , no one ever called me. Customer Service Rep only tried to downplay the seriousness with the matter- I was so agiated and upset once off the phone. How do I keep myself positive this will not happen again? Please help! Thank 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 2023-11-02 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: 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Rewards I've contacted the customer service department for bank of America a few times and each time they said something different like it takes 30 days from purchase date and were waiting on the company to send it back and it will be there on XX/XX/XXXX and now they tell me that I had to click on a special link to receive my cash back not only the rewards button in the app that said active

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a XXXX  subscription through XXXX  that I canceled on XX/XX/XXXX ; I have email confirmation from the merchant that the subscription was canceled on this date. Since then, I was charged by the merchant three times for {$9.00}, once on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. I reached out to XXXX  multiple times, who on each occasion have assured me that I do not have an active subscription and that I should not have been charged. Since I should not have been charged here on XX/XX/XXXX ( Dispute Number : XXXX ), XX/XX/XXXX ( Dispute Number : XXXX ), or XX/XX/XXXX ( Dispute Number : XXXX ). I contacted Wells Fargo by phone several weeks ago and requested that they block this merchant from charging me further since Ive made many additional attempts and requests to the merchant ( XXXX ) that they stop charging me, but I continue to get charged every month. Wells Fargo continues to deny these disputes and continues to deny my request to block this merchant from charging me, even though I have on each occasion provided more than sufficient documentation to substantiate each dispute.

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 2023-11-02 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: NJ

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-02 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: NJ

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-02 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: NJ

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2021 This account has incorrect information, I have never had late payments. 

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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2021 This account has incorrect information, I have never had late payments. 

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 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 2023-11-02 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:
ATTN : CFPB I need you to engage in enforcement action on my behalf against TRANSUNION. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold XXXX, TransUnion, and XXXX accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Transunion. I've attached proof that USPS delivered and signatures upon receipt. 
Transunion : XX/XX/XXXX, XXXX pm My request to block is not being made in error, nor is my request to block being made of material representation of fact by me relevant to the request to block the identified transactions. 

Identity theft account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX {$6800.00} Identity theft 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

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 2023-11-02 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: GA

Complaint narrative:
I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of 3-4 months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.

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 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WI

Complaint narrative:
I applied for the XXXX plan. My lender was notified on XX/XX/XXXX. 

My lender ( ed financial ) did not transfer my account to SAVE. My lender kept me on my old plan and charged me {$1500.00} per month, on the old plan. My lender did this for 2 months after the XXXX plan request was provided to them. 

I called on XX/XX/XXXX to ask why the change had not taken place. The first associate said that the change can take up to 39 days. I informed the associate that 52 days had passed since the change being requested. The associate was not able to provide further information. 

I called again on XX/XX/XXXX and the next associate said I needed to pay a {$5.00} fee to have the request processed. I provided account information to process the request. I was never informed of this {$5.00} charge before this date. 

Ed Financial defrauded me of {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
We paid our loan down to XXXX XXXX which is now even less. Loan lef is XXXX per PHH site value of home is XXXX Original price of home was XXXX original loan was XXXX We have met the LVT For PMI to removed Per XXXX XXXX To cancel PMI on a XXXX XXXX loan, you can follow the steps below : Automatic Termination : The servicer must automatically terminate the MI when the mortgage loan reaches XXXX XXXX of the original value of the property or the mid-point of the amortization period, provided that the borrowers payments are current on that date OR Borrower-Initiated Termination : You can request cancellation of PMI when your loan balance reaches XXXX XXXX  of the original value of your home. You can make this request by contacting your lender XXXX. 
OR Termination Based on Current Value : You can also request cancellation based on the equity in your homes current value. To do this, you will need to pay for an appraisal of your propertys value XXXX. 


We have paid down loan below XXXX percent and requeted removal. We have paid below the XXXX percent so it is automatic removal. 

PHH Mortgage will not remove saying have ot pay fees and complete apprasial but that is not the current law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: GA

Complaint narrative:
I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: LA

Complaint narrative:
Company : XXXX XXXX XXXX Amount : XXXX Opened : XX/XX/2023 Company is not a legitimate company. A previous dispute of the same amount was removed and deemed not legitimate. Information from the original company was sold to them. This account was also set up for a TX residence. I have proof of residence in LA. 

All of credit bureau reports have been frozen for over a year. There is no way a new account could have been opened.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX 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 2023-11-02 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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: GA

Complaint narrative:
I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.

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