vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: DISCOVER BANK
State: CA

Complaint narrative:
Unfortunately, I am a victim of identity theft as a result of a data breach. When I learned of this, I began reaching out to the institutions and banks reflected on my credit report, all of which I have no affiliation with outside of the fact that my information was fraudulently used to open up a plethora of accounts under my name. I have been successful in the process of disputing these accounts and outstanding balances with XXXX out of XXXX accounts, which have since been removed from my credit report as a result of my actions and efforts to prove that I was not the individual involved in opening the accounts. However, I have been in the process of disputing credit with DISCOVER BANK, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 and have yet to have my case resolved with these agencies. With Discover Bank specifically, I have submitted copies of police reports, an FTC report, proof of identification and personal statements, and have expressed my frustration with their lack of attention and ability to identify my account activity as fraud, yet they continue to write back to me saying that " unless I have new or relevant information to support my claim, '' they can not move forward with my dispute. I feel this is unfair on their part, I have taken all actions and have provided all documents necessary yet they sustain that nothing more can be done. As for the XXXX other entities, they have approved my dispute and XXXX calendar days have passed since their approval yet the derogatory information still appears on my credit report. I feel that I have taken every step possible in moving forward and I no longer know what to do to restore 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 — Cashing a check
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
After opening my account, I had funds direct deposited into the account. At the time, the deposit should have been once a week. I used my Debit card for a XX/XX/XXXX. The balance left in my account was lower than {$5.00}, but before another deposit could be made, there were fees applied to my account causing my account to become overdrawn. When the store charges tried to post to my account, more overdraft fees and overdraft protection fees were applied causing more of a negative balance. When I learned of all the fees and the chaotic mess that my account was displaying, I immediately had my direct deposit switched to another bank.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX {$1000.00} violation To Whom it may concern : I, XXXX XXXX, consumer XXXX and natural person, am aware of all the rights that I have, and which are protected by The Congress of The Fair Credit Reporting Act ( FCRA ) .Im contacting you because Equifax, has violated my federally protected consumer rights to privacy and confidentiality and that you claimed to have completed a reasonable investigation with the furnisher of information and verified account listed below as 100 % accurate, However this account is still inaccurate and your company still continue to report errors on my credit profile and its been damaging my credit since XXXX XXXX XXXX. All three credit bureaus have inaccuracies. The account they have listed for XXXX isnt mine, inaccurate account numbers, inaccurate date opened, inaccurate balance, inaccurate last reported date, inaccurate last date active, and inaccurate date of last payment.I disputed this XXXX account several times and you failed to correct the errors each time. Now I want this XXXX  account DELETED IMMEDIATELY! Equifax, illegally obtained person and private information under The Privacy Act of 1974 and 15 USC 1681 Sec 604a sec2 also states a consumer reporting agency can not furnish an account without my written instructions. I did not grant Equifax or XXXX permissible purpose to obtain the information then report, nor did the debtor. I havent been notified that my information is being provided to the highest bidders. I also request for XXXX account to be deleted as well for violations and unlaw acts according to the Family Educational Rights and Privacy Act -for students loans 16 CFR 6805 b- The will for non-compliance, As a consumer, and natural person I am invoking specified remedy and make the following demands : -Cease and Desist reporting of the account name filings to all consumer and reporting agencies -Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what I requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} XXXX off federal protected consumer, XXXX XXXX

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Items in my account would be pending for days to a week. My accounts would be charged Overdraft fee with money in there. My money would somehow disappear from my 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The amount was {$700.00} that i had to repay my account was from XXXX to 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 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: PA

Complaint narrative:
In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights I only have XXXX account with XXXX  and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX  the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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: TX

Complaint narrative:
Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.

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: TX

Complaint narrative:
Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.

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: TX

Complaint narrative:
Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I have been attempting to get an Equifax Credit report for 6 Months. At first I was being told that there are Discrepancies in my personal Information so I filled a dispute with updated information through the mail. I heard nothing back for 1 month so I called consumer care again to check the status. They claimed to have never received the letter to I again mailed another copy of the same letter in XXXX. Again after a couple months no correspondence had happened. The 1st week of XXXX I Faxed a copy of the same letter instead of mailing it. After a week I called to get an Update and make sure they received the documentation. They pulled it up confirming they got the Fax and then claimed that I did not have a credit file with them and that my lender likely wasn't sending them batch reports with my Tradelines. Also that they mailed a letter to me XXXX XXXX in response to said letter, which I have not received two weeks later.. I continued to call my lender and they assured me that they send the same batch report to ALL 3 of the main Credit Bureaus. Both myself and my Lender reached back out to Equifax to find out why they weren't reporting my tradelines when they were being sent to them for the last 9 months. Upon doing so both our attempts were thwarted once again with Equifax Consumer Care Agents refusing to help find a solution to resolve the problem at hand by simply stating that my Lender isn't sending them anything. My Lender then put together a letter of their own with the Errors they got when trying to pull an Equifax Credit Report for me along with a copy of the same letter i had been sending Equifax for the past couple of months. They continue to take zero responsibility for the problem being on their end and continue to blame my Lender. When I first encountered an issue trying to get a home loan in XXXX of XXXX  the bank said that another persons name to whom I have no affiliation popped up in the Social Security Field. However, this bit of information Equifax has also not said a word about. Equifax continues to deflect this matter and are extremely unhelpful in investigating what has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
They call more then once in a day I have told them that they are being rude and hostile towards me they continue to call

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: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I was Notified by On Line Information Services regarding a debt from XXXX XXXX in the amount of {$570.00}. This claim is erroneous as I have never had any interaction or account with XXXX XXXX. 

This amount must be owed by another person with the same name. I have lived in the same home for 18 years in XXXX, Ca and have always used XXXX California XXXX. 

I have account information that that substantiate my account history. My name is very common, and On Line Information Services has made a mistake by attempting to collect against the wrong person.

I am requesting that On Line Information Services please provide me with documentation proving that the debt is mine and efforts to locate the correct person. Please also provide full information and the address of the location for which they claim I owe the debt. Please also include a copy of the original signed contract that allegedly indicates I have contracted with XXXX XXXX for services. 

I do not owe this debt and it is likely that another person with the same or similar name rightfully owes this money.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone open a Walmart charge card in my name from XXXX to XXXX and it is showing on my credit report on 3 credit cards bureaus. Needs to be immediately from credit report. The account # on my XXXX credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sometime last year, someone did fraud on my savings account they took out about {$1500.00} XXXX XXXX, I can't remember dates but it was upsetting to find out that Wells Fargo could not help me on this, I lost that money due to fraud. They hack my phone and my savings account. I had to close my account and open a new account. Wells Fargo said that I gave sent the money to them, which they are wrong. I hope you help on this. 

Thank you 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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account had been hacked and money was taken.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
They closed my account due to fees for my account like Bank fees or deposit fees or stuff like that it was like a monthly fee for your account and it went up like to like XXXX something dollars I haven't been able to use my account or deposit any money or even be able to open another account at another bank because of this problem

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 — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
It was impossible to keep my account balanced. Some day would be 3 days behind and some would be right away. Sometimes would show transaction but not deducted it from the available balance. There was never the correct amount that it was suppose to be. It was a joke that on Tuesdays dont check the account because it is never correct. We closed our account because this would alway happen and we would get over draft charges. We paid countless fees over the time we had Wells Fargo, so much we dont even know how much was accumulated. At branch tried to recover overdraft fees with no resolution so we chose to close our accounts and take our business elsewhere

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: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 was paid
Company: Convergent Resources, Inc.
State: PR

Complaint narrative:
I switched carriers since XXXX was not capable and did not had the resources to provide services to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX requested the final statement, yet. the company instead sent the balance to a collection agency which contacted me since before XXXX XXXX in violation of the Fair Debt Collection Practices Act. The company did not sent a final billing statement for charges, in violation of the XXXX XXXX Billing Act, and the debt collection agency never identified as such and made threats. The account was not even 30 days pending, the account was never refused to be paid, and was not paid on the moment of transferring the lines because the company was not capable of reproducing a billing statement. 

I am asking the agency to assume jurisdiction and apply all punishable measures by law to the company and its debt collection agencies.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I complained about not receiving bills online or if payments were late, Bank of america continued to report to my credit bureau without making any contact with me. While I was in the XXXX  bank of America continued to report my account the credit bureaus and then closed the account after the account was on autopay. 

They have never sent a bill or collections letter, or a late notice. closing the account was premature and question how they handled the entire situation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I only have 1 account with XXXX and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX  the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I only have 1 account with XXXX and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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