vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has an abysmal fraud and customer service department. After logging into and creating a new billpay profile for a new mortgage loan company, I scheduled automatic payments and an interim payment. I was required to confirm via a code sent to my mobile phone that I was the one authorizing the account and engaging in the transactions. Later, I received a fraud alert call from Wells Fargo asking if I had set up the new bill pay account, the name of the payee, and the payment. I confirmed each. The Wells Fargo employee continue to ask me asinine questions. Ultimately, the person hung up the phone and locked my account. I had to place two calls and go into a branch location to get my account unlocked. I have withdrawn my funds and will bank with someone else. Wells Fargo interfered with my ability to access and use my funds even though they had sent up numerous security features to protect against financial fraud. Wells Fargo is an abysmal example of a financial institution in that it puts itself first and its customers last. Its customer service employs various individuals who are slow and extremely lacking in any ability to avoid an inefficient resolution of a problem that they created. I don't have to be polite when Wells Fargo is interfering with my access to my money. I don't have to be polite when Wells Fargo sets up hurdles to resolve problems they created. I won't do business with Wells Fargo.

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 2022-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted a dispute on XX/XX/2022. I never receive my results in the mail for the dispute. I called and ask for the results multiple times but the result still haven't been mail to me. Pursuant to 15 USC 1681i ( 6 ) ( A ) the consumer reporting agency is suppose to send written results no later than 5 business days after the reinvestigation. The confirmation number for this dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CA

Complaint narrative:
Experian 's security is such that anyone with my personal information can create an account, even if an account already exists. They can replace the email on the account and freeze or unfreeze my credit. Details can be found here : https : XXXX Yesterday, someone tried to open a credit card in my name at a XXXX, which uses Experian to gather credit reports. I immediately called their fraud hotline, and thankfully the card was flagged before the thief could use it. They told me to freeze my credit, which I did through all three Beauraus. 

Today I received an email that the email associated with my account changed. Lo and behold, I could no longer log in with my username and password. The sign in page has a feature where you can find the email associated with an SSN. Using this feature, I was able to see the first two characters of the new email address, which I did not recognize. I can only assume that my account was hacked. 

Experian wants you to pay for a service to monitor changes to your account more closely. This is a racket- I am simply not paying to remedy a problem they created. Given that there was a recent security breach from Experian, it's likely that my SSN and personal info was obtained that way. If so, they are doubly at fault.

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/22 I opened an account with Discover Bank. I initially applied for a 6 month 0 % transfer balance but it was denied and I was offered a lower credit limit. I had no ideal that they would continue with the balance transfer even though my credit limit would not cover all of the funds that I had initially input but when I checked my balance after signing in online it was maxed. This was very unwelcome as having a maxed out credit card will harm my credit but since it was a lower interest rate so I tried to be optimistic and not complain. One month later I found that the balance transfer to my XXXX XXXX XXXX card never occurred. I called and was told that sometimes it takes time for the transfer to go through and to call again in a few days. I called a week later to both XXXX XXXX and to Discover alerting them that I have been paying interest on the {$400.00} to both XXXX XXXX and to them as there was no transfer received by XXXX XXXX but I was being billed by both banks for the same monies.There was little that XXXX XXXX could do so I put the burden on Discover. They then submitted a " dispute '' and after 1 week I called again only to be told that it takes " 10 days to follow the money trail. '' That was almost 1 month ago and I sent a message on the app and still nothing. I called them today on XX/XX/22 only to be transferred 3 times before I could not take anymore. I have spent hours on the phone and they are fully aware of the situation. I have made 2 payments to XXXX XXXX when the balance should be XXXX after the alleged balance transfer from discover. I was charged a transfer fee and my credit has suffered because of the amounts used on my credit cards is double. At this point I have done everything I am willing to do to resolve the situation. This is not only incompetence but theft that has stolen my time, money, affected my credit and caused me undo mental anguish. 

I expect a resolution and an apology is not an acceptable equivalent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NC

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. 
XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX  account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # 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 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 2022-07-28 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX and # 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. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.

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 2022-07-28 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX and # 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. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I found out on how to remove the fraudulent items in my report that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXX  XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; 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 XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021

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 2022-07-28 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX XXXX stated my account was at a XXXX balance and my account was closed, in XXXX. This account is damaging my creditability and providing emotional hardships to remain XXXX XXXX XXXX XXXXXXXX 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 2022-07-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/22 and XX/XX/22 PNC Bank {$2500.00} in unauthorized charges total from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX {$70.00} XXXX {$60.00} XXXX {$20.00} XXXX {$100.00} Charges disputed ; funds returned to acct on XX/XX/22 and XX/XX/22 in total. Letter received from PNC via USPS mail on XX/XX/22 that dispute was DENIED and funds would be removed from account in 5 days. Funds removed in total on XX/XX/22 leaving acct NEGATIVE and entire paycheck gone. Next paycheck GONE as well to cover negative balance. Attempted MULTIPLE times to contact PNC week of XX/XX/22 with response finally on XX/XX/22 stating that no fraudulent activity was found as the charges came from account matching my name and account number. Nothing could be done. Sorry maam. So much for fraud protection. PNC ALLOWED ME TO BE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX manager stated my account was at a XXXX balance and my account was closed, in 2019. This account is damaging my creditability and providing emotional hardships to XXXX  XXXX XXXX XXXXXXXX  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 2022-07-28 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX manager stated my account was at a XXXX balance and my account was closed, in 2019. This account is damaging my creditability and providing emotional hardships to remain XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CA

Complaint narrative:
I found on my report 2 different address that didnt belong to me and somebody elses ss number

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 2022-07-28 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through 15 different banks. 

Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.

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 2022-07-28 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:
I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX ). XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX

Company response to consumer: Closed with explanation