vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: Consuegra & Duffy, P.L.L.C.
State: FL

Complaint narrative:
On XX/XX/2023 my checking account was brought down to a zero balance without notifying me. It was for {$9.00} and it was removed from a company called Consuegra and Duffy PLLC. 
On XX/XX/2023 my savings account was brought down to a zero balance without notifying me. It was for {$470.00} and it was removed from a company called Consuegra and Duffy PLLC. 
When I logged into my account t I saw that both accounts were at a zero balance and I panicked so then I called XXXX XXXX immediately. I was told by the banker that I needed to contact the law firm that did this to my account and that was all the assistance that she could offer me. Upon calling the law firm, no one answered so I left a voicemail for a callback. Then I went online to the law firms website and created an online chat. I was told by the law firm that the case number I had from the bank transactions were not recognized by their law firm. They could not find my name, nor my Fathers name, and not even my step momss name associated with any account there yet the chat proceeded to tell me that the account is frozen but they cant tell me why and supposedly none of the three of us on the account were even recognized as owners of the bank accounts. They finished the chat by saying that they would call me back but never did. This has been ridiculously frustrating. And extremely stressful to have absolutely no funds for necessary expenses like paying the bills, buying food, and other necessities etc for our family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX, NC Phone number XXXX. Social XXXX There has been two or three transactions for Im not sure the amount it was deposits me into my account that I have no idea how that even occurred. I spoke with someone yet I have not gotten an answer and my account got closed. I would like to retrieve my account that I had just make sure that I am able to be a customer at Wells Fargo. All of this information is located in my email address I should be able to find it when you get back in contact with me. I would love if someone could help me thank you so much.

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 2023-01-23 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: GA

Complaint narrative:
The consumer reporting agencies has failed in the DUTY AND OBLIGATION to conduct an investigation of their own when ever consumers sends in disputes with wrong information being runished. Conspicuously and 100 % accurate and 100 % correct. Which they clearly have failed to do which has gotten me denials for credit in the hardest financial situation to man. XXXX XXXX XXXX has clearly violated the FDCPA on numerous occasions as ill attached below. THE information being furnished by XXXX XXXX XXXX has been changed before and has been deleted/remove from all XXXX Major reporting agencies and not XXXX time have I gotten a letter/NOTICE of information being reinstated before XXXX business day its furnished back into a consumers file. VIOLATION. If XXXX XXXX XXXX ASSERTS it did in FACT SENT NOTICE OR LETTER I hereby request proof of any of those claims and or documents. Lastly XXXX XXXX XXXX has certified and verified that the information being furnished in all XXXX of my consumer file are accurate when in fact its beyond accurate.

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 2023-01-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under 15 U.S Code 1681B- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter Concerning the account listed below as a consumer, I am demanding a deletion of these accounts listed below :

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 2023-01-23 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: AES/PHEAA
State: LA

Complaint narrative:
My fed loans account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: MD

Complaint narrative:
I tried to dispute all the accounts on my experian, XXXX, and XXXX credit report. They have multiple addresses under my name and I only lived at 1. They also have multiple names on my account with a middle starting with an XXXX  and mine start with an XXXX. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Checking and savings account charged undue fees. overdraft charges. availability of money due to overdraft charges

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 2023-01-23 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2023-01-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/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 Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NJ

Complaint narrative:
Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-01-23 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: NJ

Complaint narrative:
Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-01-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank has shared my nonpublic personal information with non-affiliated third parties ( Client Services and XXXX XXXX ). I did not give Citibank permission to give my information without my consent, nor was I given the opportunity to opt out of having my nonpublic information disclosed. Also, Citibank has reported this alleged canceled debt incorrectly to Credit Reporting Agencies. It's their responsibility to report accurate information. 

- Attached Citbank Dispute Letter -Attached supporting claims : Third-parties creditors alleging to collect a debt

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My account was closed because someone stole my information and committed fraud

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 2023-01-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$4900.00}

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Unsure of exact dates. Had a vehicle that was late on payments and had a small accident. Lost job. Asked for assistance but Wells Fargo only kept threatening to repossess it, even within the first 30 days. Asked for payment to be put at the end while waiting for first paycheck and they refused. Eventually the engine blew up on it while I was about XXXX days behind and when told them to come get it as a voluntary repossession, they refused. It stayed on the side of XXXX XXXX, XXXX for XXXX days ( I lived down the street and passed it multiple times a day ). It was taken between day XXXX and XXXX. A few months later I was renewing my car insurance online and noticed a claim for the vehicle after the date I called to surrender the vehicle. 
XXXX told me Wells Fargo placed a claim for hood damage. I had photos of the vehicle when it broke down on the side of the road in perfect physical condition after I removed the tags. The photos they provided had a CLEAR T shape in the center of the hood that was obviously from a tow truck stopping their tow piece on the hood. I spent months with the insurance company and paperwork showing my calls to them surrounding and the photos, eventually having the insurance company reverse their decision to place against my policy. WF then sued me for the difference of the loan and what they got at auction. I fought the situation, but ultimately had to file XXXX  with this debt when I did not have poor credit prior.

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 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
After pulling my XXXX credit reports on XX/XX/XXXX I found BONNEVILLE COLLECTIONS holds a debt against me for XXXX XXXX XXXX in the amount of {$540.00}. It states the first delinquency date is XXXX XXXX, XXXX. I personally have never contracted any services from XXXX XXXX XXXX. I have never had any utilities in my name in the XXXX XXXX XXXX 

I disputed this collection and was denied. I am seeking for it to be removed because it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I deposited a check from a former employer and the bank returned the check saying it was fradulent and it wasn't. So they closed my account. For they own reasons.

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 2023-01-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 reason.

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 2023-01-23 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: CA

Complaint narrative:
My account was charged overdraft fees and money was held against policy. Wells Fargo states that if you make 10 transactions a month you wouldn't be subject to any fees

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Money missing from account

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I tried to dispute all the accounts on my XXXX, XXXX, and transunion credit report. They have multiple addresses under my name and I only lived at XXXX. They also have multiple names on my account with a middle starting with an F and mine start with an I. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.

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 2023-01-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I tried to dispute all the accounts on my XXXX, equifax, and XXXX credit report. They have multiple addresses under my name and I only lived at 1. They also have multiple names on my account with a middle starting with an F and mine start with an I. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.

Company response to consumer: Closed with explanation