vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX. 
Whom it may concern XX/XX/XXXX, the personal information on my Wells Fargo banking profile, such as phone number and email address, was changed by a person. I do not know who, and I do not know how. Then, at the same time, a cash advance transfer for the sum of {$10000.00} from my credit card ending now XXXX to my checking account ending XXXX, which was closed on XX/XX/XXXX, was made. As soon as I received an e-mail about that transaction, I went to the WF branch in XXXX, NJ, and found that a {$990.00} transfer through XXXX from my joint account ending XXXX and multiple wire transfers to the name, which I do not know, were made without my authorization. Multiple claims were submitted the same day after I discovered the fraud without any results. Escalation actions were taken after I received reimbursement for wire transfers, and as soon as it happened, I covered a {$10000.00} cash advance from my credit card ending now XXXX. However, no action was taken for the {$990.00} XXXX transfer that was made simultaneously and to the same person as other fraudulent transactions. All claims and escalations about the XXXX transaction failed, but wire transfers were reimbursed. {$990.00} was transferred from a joint account with my mother, who is retired and receiving SS there. All answers to the claims were explained that transfers were made through a secure online banking session by you, or some who had your authority and that no processing errors occurred. But I do not know the person who made all the transactions. Nobody responded to my statement, which shows the unprofessionalism of Wells Fargo employees. Some claims numbers are XXXX, XXXX, XXXX, and XXXX. 
Would you please investigate and decide about my issues with the XXXX transfer for {$990.00}? 
All additional information is available upon request. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX Cell : 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 monetary relief
Consumer complaint received 2024-05-08 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: AZ

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: FL

Complaint narrative:
In the month of XXXX I contacted the debt company and asked them if they could provide me information on the debt that was listed on XXXX XXXX and they did not provide information on debt they also did not tell me whos the actual owner of this debt. During the phone call I asked for a breakdown and they said they would send it through email and then again through mail and I never received anything they have lied about sending a breakdown report. I have received multiple phone calls asking me to pay XXXX dollars in debt I do not own. On XX/XX/XXXX the collection was removed from XXXX. Ive also spoke with XXXX and XXXX filing this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CT

Complaint narrative:
I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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:
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 : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/year> I opened a XXXX XXXX XXXX with US Bank with a welcome promotion stating that I would receive a {$400.00} bonus after I had completed a direct deposit of {$5000.00} or more ( paycheck, government benefits etc only ). I signed up with this account along with a colleague of mine. 

I transferred {$5000.00} from my first paycheck after opening to US Bank and it was received on XX/XX/year>. 

I called US Bank around XX/XX/XXXX asking if there were any complications with the promotion as my friend had transferred his paycheck to US Bank and received the promotional offer per the terms in the past couple of days but I hadn't. The representative was very nice, confirming the promotion was attached to my account but remining me that it can take 60 days to pay out the funds from opening the account. 

On XX/XX/XXXX, I am filing this complaint as the bonus funds have not been posted. In my experience previously, the complaint takes about XXXX days to be routed to the financial institution so the 60 day timeframe should be satisfied by the time this complaint is received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TX

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CT

Complaint narrative:
I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: CT

Complaint narrative:
I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Deposited a security deposit check into my checking account for the amount of {$2500.00} from out previous place of residence since XX/XX/year>. XXXX cleared the check then closed my account stating that they are not able to verify the check issuer information against their database. I have been back and forth for MONTHS now with the property XXXX and they have advised that their information is up to date. Come to find out, there a numerous Chase customers that seemed to have encounter this issue due to Chases outdated database. We went through the trouble of going down to a branch and to our previous leasing office to discuss this issue which seems to be an issue on Chases end. Chase refused to provide a clear letter that contains what information exactly is needed from the check issuer, they refused to call any of the numbers located on check and the apartment office itself. Chase has since locked my account and have been unable to gain access, they refused to cancel the check. We requested that the issuer cancel the check but apparently Chase has already cleared the funds into my account, preventing the issuer from cancelling this check. An absolute nightmare, had my primary savings and checking with Chase. Need this issue resolved and I am done with Chase and will be sure to advise everyone to stay clear of Chase Bank as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for a new credit card with Bank of America. Durning the application it never asked the amount I was applying for, only how much of a balance transfer I wanted to do since I was applying for a card with a balance transfer promotion. I entered XXXX. Online application came back and said approved and I would receive the card in the mail. By the time I got the card and account opening paperwork about XXXX weeks later I see the card was only approved for XXXX. I went online started an account and tried to speak with someone about my application. Was told nobody could help with that and I would need to just apply for a limit increase so I did. It was declined. I called was told the same thing over the phone and then they submitted another limit increase that again was declined. Again refusing to let me speak to someone about my original application. Went into a branch, was told they couldnt help. Call back. Finally after about XXXX hours of dealing with this was able to get in touch with someone who would answer questions on my application. They stated the limit increases were auto declined since the account wasnt open for more than 12 month. Why would multiple representatives advise me to run my credit if this is Bank of America under writing guidelines. The original application was only approved for the XXXX mainly because I didnt have any other accounts with Bank of America XXXX If I knew that was going to be a factor I would not have accepted the offer but was never given the chance to accept the lower credit offer or not. They went ahead and processed a {$9500.00} balance transfer to my other lender that I did not request. Told me it was to late to cancel. I had it sent back within days. Now they are refusing to waive the $ XXXX dollar balance transfer fee that was charged even though I never requested a {$9500.00} transfer.

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 monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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:
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 : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 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 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 2024-05-08 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. 
Please remove these account from my report, they are hurting my ability to obtain credit. I do not recognize this account and did not authorize them. They are reported by third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/2024, my card issued by Aspire, XXXX XXXX XXXX was declined. I was told the reason was because I filed bankruptcy. This is false, as I did not file bankruptcy, nor ever have. This exact problem happened a year ago and they admitted their mistake. I asked to speak to a supervisor and explained that their bank had made this mistake before. I received absolutely no attempt from the supervisor to look into the matter, informing me that I did inform fact file bankruptcy and that there was nothing they could do but close my account. I'm am shocked and appaled that this is how they treat valued customers, as I have an excellent credit rating and have never been late on a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief