vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Backstory : I am XXXX XXXX XXXX and have been banking with Wells Fargo 30+ years. I have multiple personal and business accounts with wells Fargo. I have never ever use my debit card for any point of sale transaction or for any purchases. I have only used my debit card for PIN verification for cash withdrawals from Wells Fargo branches. I have never authorized the charges or have never authorized another person to perform the transactions. 

On XXXX : Two unauthorized debit card charges occurred : 1 from T-Mobile ( {$60.00} ) and 1 from XXXX ( {$2500.00} ) The same day I reported both transactions as fraudulent to Wells Fargo , a Reg-E fraud case was opened for the transactions, and the debit card was closed. 

On XXXX : A provisional credit for both fraudulent charges was given by Wells Fargo while the case is investigated. 

On XXXX : The investigation by Wells Fargo concluded. The {$60.00} charge from XXXX was deemed as fraud and reversed. However the fraud case for the larger {$2500.00} charge from XXXX was denied by Wells Fargo. Wells Fargo stated the case was denied because my address was used for the transaction thus I authorized the transaction or authorized another person to perform the transaction. 

On XXXX : The provisional credit for the {$2500.00} charge by XXXX was reversed. I called the Wells Fargo Debit Card Fraud Department who enforced the case denial despite my protest in not authorizing the debit card transaction. 

On XXXX : After the denial letter was received, I visited a Wells Fargo branch and spoke with the banker there. A complaint was filed for the case denial. 

On XXXX : A representative from Wells Fargo 's escalation department called me and reiterated the claim was denied. 

On XXXX : I visited the Wells Fargo branch again to file another complaint. 

On XXXX : A Executive Office Case Specialist from Wells Fargo called me and reiterated the claim was denied. The specialist also suggested for me to contact XXXX who did not provide any information. 

Despite being a loyal customer for over 30 years, I feel victimized by Wells Fargo. I do not know how my debit card information was used for the transactions since I never use my debit card for any purchases.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX has violated my rights. 

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number XXXX, has violated my rights. 

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 an account without my written instructions.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today I tried to request my credit report. Experian said sorry, we were unable to verify your identity because of one of the following reasons : You didn't answer the security question correctly, you didn't answer the questions in time, we are having technical difficulties. I called they're not having technical difficulties. I answered the questions in time. I answered the questions all correct. The questions should be specific. For example : is your current car payment between this price amount? Who did you get financing with? But when they bring up a question that is worded wrong or they ask did you work for a company name and if you answer no they don't allow you to have the credit report that seems tricky or being explicitly difficult. Sure the company XXXX XXXX had my initials, but it is not a business I worked for. The questions should have very specific answers that have to do with your identity, current address or something that is concrete. 

One of the questions was not worded properly it asked if I had worked for XXXX XXXX. No I did not. They obviously got this information wrong and assumed I did. I answered it properly. Experian in my opinion violates the law and is intentionally difficult to people trying to get their credit reports. XXXX and XXXX have a process that is easy and without questions. Experian should be dinged by the better business bureau because this is simply unfair to deny a person their credit report based on Experian 's mistakes. 
Experian verified my phone number & email. I verified my social security number. I've sent Experian certified letters to note my account. I spoke to them on the phone prior to requesting the report on XXXX 

They shouldn't put a time limit on the questions and if they do they should set it at more than 5 minutes. It is an unnecessary obstacle that they should not put their customers through

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, 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:
PLEASE REMOVE THESE INQUIREIS OFF MY CREDIT REPORT, I'M A VICTIM OF CREDIT FRAUD. PLEASE REVIEW THE LISTED BELOW : XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until 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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Sayer Law Group, P.C.
State: IL

Complaint narrative:
it is my second time receiving a letter from this sayer lawyer group for an alleged debt that is not even reported on my credit report because IT IS NOT MY DEBT! 

I sent them a certified letter on XX/XX/23 asking them to provide me with the contract that proves i am liable for this allegation and who were they as i never heard nor contracted with them! they did not send me any proof and i also look them up on the state of Illinois if they are even registered and licensed to legally send me correspondences and they are NOT licensed! 

they are in violation of the Illinois Collection Agency Act ( ICAA ) and the Illinois Debt Collection Act ( IDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

they failed to Produce a Contract, Delegation of Authority, Regulatory Authority therefore I demand they Cease and Desist Immediately any correspondences with me see attachment of my certified correspondences sent to them. 

I need your help to have them stop harassing me

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, 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 non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MN

Complaint narrative:
XX/XX/2023 a drop in my credit report happened because Pro Collector listed me as a debtor for a lease I wasn't on, it is not my debt. 

XXXX I called Pro Collector and explained this and sent in my mom 's lease showing that only she is on the lease, I didn't sign on as an occupant or a co-signer as I was living in Minnesota and still am the entire time. This apartment is in Florida. 

I provided proof of residency in Minnesota as well. 

I've seen in past reviews of this company that this isn't the first time they've falsely represented debt on incorrect people.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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:
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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX. XXXX, XXXX, has violated my rights. 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 an 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 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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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:
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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX. XXXX, XXXX, has violated my rights. 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 an 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 explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This is my 3rd attempt to remove this debt collection from my credit report. 
XXXX XXXX XXXX has sold my XXXX collection to re-collectors, again and again. 

As stated on my credit report, my vehicle was repossessed in XX/XX/XXXX, and do not own a vehicle to date. 
I did not have XXXX insurance in XXXX, XXXX. XXXX, XXXX. 
Please make them provide original or copies of this XXXX policy. ACCT # XXXX I had Progressive Insurance in XXXX. This is a re-collection, sold to a debt collector, that was deleted for {$400.00}. 
Please make them stop this re-collection practice. Thank you kindly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: MN

Complaint narrative:
My wife and I were applying for a mortgage and working with Lennar Mortgage. Due to my self-employment, we decided to leave myself off the application. However, even when specifically asked to not pull my credit, the loan officer proceeded to do so. The document uploaded name thats starts with XXXX is a screenshot from my wifes email where she specifically asked him ( after talking on the phone ) to only pull her credit.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

Apple Card/GS BANK USA Account XXXX. XXXX, XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Received a XXXX XXXX card with a XXXX credit line. I did not apply for this card. I called Chase and closed the card and reported it was fraud with the Credit card company. I also did a credit lock at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation