vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The bank is Wells Fargo business account. 
they have an unauthorized overdraft fee of {$35.00} per transaction if an overdraft is not cleard by end of the workday. 

late on the night of XX/XX/year> between XXXX and XXXX ( XXXX ) I did my daily check to be sure my balance was positive. The screen in my wells fargo on line account showed I was possitive by {$70.00} I woke up in the morning to do my daily check in of my account and saw a negative balance of {$250.00} dollars- {$70.00} of which were two {$35.00} overdraft fees. 
On the XXXX I had numerous other funds process with sufficient funds just those two stayed pending- on the XXXX I moved funds over to bring the account positive. 

When I questioned Wells Fargo as to why I was not given the day of the XXXX to transfer funds and avoid the {$70.00} overdraft fee - I was told that those 2 charges were pending since since the XXXX and I should have seen or known they would charge to my account. I admit that if I had seen they were pending I would have moved funds over. However the view that Wells fargo gave me of my account was that it was positive {$70.00} and was not overdrawn. 

my complaint is that it is unethical banking practice and should be illegal that they can process pending funds after hours ( we are talking at least XXXX ) and charge a fee on an account that same day. 

This has happened numerous times with this bank and I could not quite figure out what happened. This time because I checked my balance so late and it said it was positive and then I checked again first thing in the morning I realized what they are doing. 

I feel this warrants an investigation into Wells Fargo 's overdraft proceedures.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I was notified by an alert to my phone from XXXX XXXX on XX/XX/XXXX an account was opened in my name with a charge in the amount of {$350.00}. I immediately called the company listed ( Barclay ) that was listed and was told there would be an investigation. Barclay sent a letter XX/XX/XXXX after the investigation stating myself or someone authorized opened the account and I will be liable. I called XXXX XXXX  with the results of the investigation and was told to file a police report XX/XX/XXXX, identity theft report with FTC XX/XX/XXXX and report to all 3 credit bureaus. I notified Barclay on XX/XX/XXXX of my actions and was told they would make a report and for me to mail or fax copies of my filings.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hey I had made a complaint about some fraudulent unauthorized charges from Cash App that took about {$8000.00} out of my account. I had made a complaint multiple times to them and they had no resolution and I dont understand why I never got any emails about the current case that you guys had with me which was closed, I dont understand why. I have proof that the same people from Ohio had opened a credit card and my name with their address. These are the same people that basically did Fraud with my account. I looked them up. I know their names I saw I found them out and I dont understand why this is such a difficult case to figure out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: IL

Complaint narrative:
My student loans were forgiven in XXXX and XXXX. These loans have reappeared on my credit report after they were closed. This is the fault of Mohela. I have attempted to call several times but nobody answers after hours of waiting. I've also sent messages over their system and no one responds back. I filed a dispute with XXXX, but the fault lies with Mohela for reporting these loans inaccurately to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. Experian has XXXX on my report that is attached to an address that does not belong to me which again is a violation of 15 USC 1681. Experian received their information for XXXX from public records without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. Experian also has an inaccurate account reporting from XXXX XXXX XXXX. This charged off/closed account has never sent a 1099 for the debt they are claiming has been paid, therefore the validity of this account is inaccurate and violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the closed account is inaccurate, I request that it be removed from my credit report immediately. If the furnisher can not provide a 1099 within XXXX days, it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information must be removed from a credit report. If this collection account is older than the allowed reporting time frame, it should be removed. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the public records can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors are legally obligated to report accurate information, and failure to verify the XXXX and closed account should result in its deletion.These are all violations of XXXX5 USC 1681 and Sections 609 & 623 of the FCRA. I've attached a current bill with my correct address on it along with proof that Experian did not get its information from the courthouse listed on the 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 2025-02-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK
State: VA

Complaint narrative:
Closed a Discover bank account in XXXX, found out in XXXX that the account had a balance of {$5.00}, called then and they said I could only send a check. Promptly sent a check and said check was cashed a few days later. Discover told me over the phone that the account was paid but refused to give a letter or email stating that. They will not contact chexsystem, they also will not tell chexsystem that it is paid when they call therefore chexsystem will not remove the negative remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There are several addresses on my report that do not belong to me. Also one name has never been mine.

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 2025-02-19 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: PA

Complaint narrative:
I am filing a formal complaint against credit bureaus ( Experian, Equifax, and TransUnion ) for failing to comply with my request for debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

I sent a debt validation request to them demanding verification of the alleged debt. Under 15 U.S.C. 1692g ( b ), they were required to provide : A copy of the original signed contract or agreement proving I am responsible for this debt.

A full itemized breakdown of the alleged debt, including proof of ownership and legal collection authority.

As of today, they have failed to provide any of this required documentation.

Since they have not validated the debt, I am now disputing this account under FCRA 609 ( a ) ( 15 U.S.C. 1681g ). The credit bureaus are legally required to provide complete documentation verifying the accuracy of the reported account, including : A copy of the original signed contract with my wet signature.

Proof that the reporting creditor has complied with FCRA and FDCPA guidelines before placing this information on my credit report.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit bureaus can not verify the accuracy of this information within 30 days, they are legally obligated to delete the account from my report immediately.

I request that the CFPB intervene to ensure that this account is either properly validated or permanently removed from my credit report. If corrective action is not taken, I will explore further legal remedies for violations of my consumer rights.

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 2025-02-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against credit bureaus ( Experian, Equifax, and TransUnion ) for failing to comply with my request for debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

I sent a debt validation request to them demanding verification of the alleged debt. Under 15 U.S.C. 1692g ( b ), they were required to provide : A copy of the original signed contract or agreement proving I am responsible for this debt.

A full itemized breakdown of the alleged debt, including proof of ownership and legal collection authority.

As of today, they have failed to provide any of this required documentation.

Since they have not validated the debt, I am now disputing this account under FCRA 609 ( a ) ( 15 U.S.C. 1681g ). The credit bureaus are legally required to provide complete documentation verifying the accuracy of the reported account, including : A copy of the original signed contract with my wet signature.

Proof that the reporting creditor has complied with FCRA and FDCPA guidelines before placing this information on my credit report.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit bureaus can not verify the accuracy of this information within 30 days, they are legally obligated to delete the account from my report immediately.

I request that the CFPB intervene to ensure that this account is either properly validated or permanently removed from my credit report. If corrective action is not taken, I will explore further legal remedies for violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-02-19 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation ( complaint # XXXX / XXXX / XXXX ). I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX ). 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2025-02-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH sent sent occupancy letter with no return postage paid. They're asking for this information. They should provide that I don't buy stamps so I emailed that document they claim. They never got it so then they sent out an inspector several times and have charged me. XXXX XXXX XXXX dollars total added to my loan. They never called to make an appointment to make sure I was home. How crazy is that period I've lived in my home since XXXX of XXXX and refinanced in XXXX. I've communicated with them. I've written to the CEO and they keep sending me the same document showing that when they were out to inspect the home. Well, how can you inspect it? When I'm not home you can't go inside. It's just pictures of them knocking on my front door. And pictures of my house in the street in the address.Pretty stupid if you ask me. They are harassing me and I'm XXXX XXXX XXXX. And this is considered elder abuse, which is a serious crime in any state in especially in califoryeah. Today I am writing another letter to the CEO. And this time spending money that I don't have, since I live on {$1600.00} a month. And I'm going to mail it certified. Hoping that it will put a fire under his behind. I can't afford to go to an attorney but I XXXX have to. I know all about reverse mortgages.Because after XXXX when I lost my job like many others I got my real estate license so I could sell reverse mortgages so I know all about them and the importance of the occupants a letter.I 've told them time and time again if you want this information.Then buy law in California.You must provide a postage paid envelope and they don't. Hope you can help many prayers to you and your family and stay safe and healthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from my Credit monitoring through my bank that I had a hit on my credit report from XXXX XXXX from XX/XX/XXXX. I called their Customer Support team to get information as to why, they verified that I only had my XXXX card through them that I had opened in XXXX and that they had not completed a second inquiry, and even checked with their new accounts department in case someone had tried to do it that way both departments verified they had no inquiries pending or applications. They did however state that this was likely XXXX of XXXX things a fraudulent inquiry or someone had tried to open either a store card or some sort of airlines card with my information as they had no way of checking that in their system. I have no way of narrowing down which of the many companies this could be. My TransUnion had let me know that my information was in the dark web earlier this month but due to me trying to purchase my first home I was unable to freeze my credit this month so that I would be able to access the mortgage loan when necessary.

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