vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
As a Wells Fargo customer, I was alarmed to discover on XX/XX/2024, that a substantial sum of {$10000.00} had been debited from my personal XXXX checking account without my consent or authorization. This transaction occurred between XX/XX/2024, and XX/XX/2024, leaving me deeply troubled and bewildered. 

Upon contacting Wells Fargo immediately on XX/XX/2024, I found the personal account banking agents to be perplexed and unaware of the reasons behind the unauthorized withdrawal from my account. Subsequent investigation revealed that Wells Fargo had debited my personal student checking account to offset a debt linked to a business credit card account held by XXXX XXXX XXXX with Wells Fargo. 

I wish to emphasize that at no point did I explicitly authorize or consent to Wells Fargo withdrawing funds from my personal student checking account to settle the debt of my business credit card, nor for any other business-related matter. Furthermore, I received no prior notification, whether by mail or verbally, from Wells Fargo regarding their intention to garnish funds from my personal XXXX checking account for this purpose. 

Despite my repeated requests for documentation proving authorization for the debit, I have received no response or explanation from the bank, even after visiting a Wells Fargo branch on XX/XX/2024, where the branch manager attempted to contact the agent, XXXX, responsible for authorizing the debit, without success. 

Furthermore, on XX/XX/202XXXX XXXX XXXX XXXX ET, I received a call from someone named XXXX XXXX, who claimed to work for Wells Fargo. XXXX XXXX refused to provide any information but instead insisted on obtaining further details from me. Despite my refusal to engage without proper authentication, XXXX XXXX persisted in attempting to extract information, failing to follow the necessary security protocol. It's worth noting that XXXX XXXX seemed unaware of the withdrawal made by Wells Fargo, which raised significant security concerns. 

This entire ordeal has not only caused me considerable emotional and financial distress but has also prompted serious doubts regarding Wells Fargo 's adherence to legal and ethical banking standards.

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 2024-02-12 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-12 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-12 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I had an unauthorized payment of XXXX} taken from my checking account on XX/XX/year> and an unauthorized payment XXXX  taken from my account on XX/XX/year>. I had canceled an auto payment a couple months prior that was originally scheduled for the 21st of every month for the amount of {XXXX. I had recently fallen under financial duress and got set up with a debt consolidation company on XX/XX/year>. This was a loan through Santander Bank. I received no notification about this money being taken from my account and they left me with XXXX in my checking account I was less than 90 days delinquent and like I said before they had just taken XXXX XXXX  which was the original payment ) out of my account on XX/XX/year>. This is why I went to a consolidation company because they were just pulling money out of my account whenever they pleased without any authorization.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 USC 1681s-7 ( A ) ( i ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES : Negative information ( A ) Notice to consumer required ( i ) in general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( P ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) notice effective for subsequent submissions After providing such notice the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to customer.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called to close my account. I had my account set on auto-pay the entire time and it still showed that I have an active auto-pay account at the time my payment was due but somehow the auto-pay was cancelled. I contacted capital one and offered to pay the balance due minus the late fee because it was clearly an error. After speaking with a representative and a supervisor Capital One refused to remove the fee and told me I would have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
According to code, USC 1666B. I did not have my consent to report any payment arrangements. It was made on account. Contacting all three credit bill about same issue. Provided all documents that shows that the reporting agency reported incorrect information no action taken from reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I was not aware that there was any debt owed. This was a telecom bill that my previous company was supposed to continue paying since the phone was shipped back to that employer. They failed to pay the bill and it is now on my credit report. I am trying to resolve this with the company in the meantime. 

I did not receive any communications regarding this issue before it hit my credit report from either XXXX or this collection company, Diversified Adjustment Service XXXX Inc. XXXX Debt Collection Agency. I asked them for a written statement via email on XX/XX/XXXX and I have not received it yet. I called again on XX/XX/XXXX and they said it was not yet available. I don't understand how they have enough paperwork to submit this to the bureaus but do not have the documentation to send to me while it is negatively impacting my report. 

Additionally, they reported this twice to the bureaus and I understand this is illegal. 
I called XXXX about this duplicate debt being reported on XX/XX/XXXX and they confirmed, they do not report to the credit bureaus, this is completely outsourced to debt collectors. It appears this company is using XXXX XXXX business name fraudulently, so they can report the debt twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A series of fraudulent transactions, by way of fictitious checks or ACH transactions, have occurred to my JP Morgan, which is now " closed '' as per the banks prerogative. 

Attached are copies of some fraudulent checks, among others, submitted to the bank which led the bank to close all of my accounts. There is no question that my accounts were hacked. Chase bank has since seized all the funds in my bushiness operating account and lawyer trust-fund XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A judgment was mistakenly placed on my credit report. I have been disputing this with the credit bureaus since it appeared on my reports. I have even filed complaints with XXXX, FTC with no resolution. My attorney has even reached out to resolve this matter to no avail.

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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted my auto loan company and we made an agreement for a payment XXXX on XX/XX/2024. I still dont have the financing I need now thru trying to repossess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-12 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: IL

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-12 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-02-12 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: CA

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 non-monetary relief
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
I recently review my credit report and noticed I had a fraudulent account on my report with XXXX XXXX XXXX that I need removed immediately as it is affecting my ability to obtain credit.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In reference to the errors discovered on my most recent credit report, I am writing to formally file a complaint. I looked into it thoroughly and found that your agency had failed to report a number of items that were questionable, invalidated, unverifiable, and inaccurate.

These errors have not only caused severe distress but also violate my rights under the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported 100 % accurately. It is unacceptable that your agency has failed to ensure compliance with this fundamental requirement.

Furthermore, I have identified specific accounts that are in clear violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These accounts are not reporting information accurately and are further exacerbating the adverse effects on my creditworthiness and financial well-being. 

I demand immediate action to rectify these inaccuracies and bring my credit report into full compliance with the law. I have attached copies of all letters previously sent to your agency regarding this matter for your review and reference. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter further and seek appropriate legal action to remedy the damages caused by your agency 's negligence. 

I expect a timely response detailing the steps taken to address and rectify the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Ongoing issues with UWM, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. UWM claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally fed ex us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

UWM is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues with this company.

Company response to consumer: Closed with explanation