vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
According to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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. 

42 USC 408 asking for anyone 's social security number on any loan is double dipping and fraud which is a violation of RICO We the people are the credit and the debt the moment of signing you received your currency twice. According to my 1666 account. Several crimes have been committed and everyone will be held accountable. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : WELLS FARGO Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am prompted to agree to terms and conditions when logging into Ally Bank to manage my accounts. I agree to them, and then a " system error '' occurs that does not let me into my dashboard. Ally is aware of the issue and has not resolved it nor have they provided any estimate on when I'll be able to access my accounts. This has been happening for months and I'm told over and over again that they will " escalate the ticket '' but then nothing happens. Ally Bank has falsely reported in a previous CFPB ticket that " It was determined you have been successfully accessing your AOS dashboard '' which is not true. I still can not access my accounts going on 5 months. I feel like my money is being held hostage at this point because Ally will not resolve the issue, lies about resolving it to the CFPB, tells me they will " escalate '', and then doesn't do anything meanwhile I can not even get enough access to close my accounts and move to a different 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 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the handling of a serious issue concerning my Anne Taylor credit card account. Despite my immediate notification of fraudulent activity on my account in XXXX, the subsequent lack of action and communication from Anne Taylor has left me in an untenable situation.

In XXXX, my Anne Taylor credit card fell victim to unauthorized access by a malicious actor, resulting in fraudulent purchases being made on my account. I promptly contacted Anne Taylor to report the incident, hoping for swift resolution and mitigation of the unauthorized charges. However, to my dismay, no action was taken by the company to address the fraud or provide me with a replacement credit card. 

Furthermore, I have been inexplicably denied access to my online account for the past three years, preventing me from managing my account and making payments online. This lack of access has not only inconvenienced me but has also led to severe financial repercussions. Without access to online statements or account management tools, I have struggled to keep track of payment due dates, resulting in exorbitant late fees being charged to my account each month.

Additionally, I am appalled to learn that Anne Taylor continues to bill me for fraudulent purchases made on my account, despite my repeated attempts to rectify the situation. Moreover, the absence of a new credit card has left me vulnerable to further unauthorized transactions, compounding the severity of this issue. 

To exacerbate matters further, I have incurred excessively high fees whenever I have attempted to make payments by phone, further adding to my financial burden. 

As an individual with a documented XXXX that impairs my memory and ability to concentrate, the lack of online account access and failure to address the fraudulent activity have had a profoundly detrimental impact on my financial well-being and mental health. 

In light of these egregious oversights and failures on the part of Anne Taylor, I urgently request the following actions be taken : Immediately cease all billing for fraudulent transactions and provide a detailed account of charges incurred.

Issue a replacement credit card and restore access to my online account for account management and bill payments.

Waive all late fees accrued as a result of the lack of access to online statements and account management tools. 
Refund any excessive fees incurred for making payments by phone. 
Implement enhanced security measures to prevent future instances of fraud and ensure the protection of customer accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax will not send my credit report I also unable to view on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 I am reporting a fraudulent account found in 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Code 15 USC 1681e ( b ) supports my reasoning. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor and sold, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor and sold, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Code 15 USC 1681e ( b ) supports my reasoning. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor and sold, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor and sold, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations XXXX This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations 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 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX ( XXXX  ) i discovered that XXXX different unknown people initiated XXXX transactions via XXXX and stole {$14000.00} from my Truist personal checking account. I immediately called the Truist customer service phone number and was told that they were closed and to call back during normal business hours. The next morning I visited my local branch office and informed the bank officer. She froze my checking account and we opened a new account. She also initiated a fraud investigation by Truist. Since then, I have met with the branch manager and several other employees. They all offer great sympathy and understanding by none seem willing or able to do anything to help. I was told at one point, that my problem is with XXXX and not Truist. I filed a complaint with XXXX via their web site and they responded the next day via e-mail and told me it is not their problem and that I should take it up with my bank. I then received a letter from Truist stating that " I initiated the transactions and benefited from them ''. Therefore, they have closed the case. I then sent a letter to CEO of Truist, XXXX XXXX. To date, I he has not responded. Moreover, I received another letter today from Truist referencing a complaint I filed on this matter on XX/XX/XXXX, which only further illustrates their complete incompetence and ignorance. I never filed a previous complaint and the fraudulent transactions did not occur until XXXX XXXX, XXXX. Please help me recover my money and spread the word to other unsuspecting consumer about XXXX and the big banks that own XXXX. Thank you.

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 2024-03-13 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On approx XX/XX/XXXX I was alerted of a new collection account of {$150.00} for XXXX XXXX apartments in XXXX. I do not live in XXXX or ever wanted to. I called the apartment and they said I still live there with a move out date of XX/XX/2024 and gave me the apartment I was living in. I filed a police report a hour later and now in the process a of trying to figure out what this is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On or around XX/XX/XXXX I contacted Navy Federal Credit union to advise them that I had just been released from the hospital after being admitted to the hospital for almost XXXX months due to my body rejecting a XXXXXXXX XXXX I also advised Navy Federal that my XXXX credit cards were being used fraudulently in XXXX and in other countries. They agreed to open an fraud investigation on my behalf, I even explained the situation with navy federal on how things had occurred. That I was trying to open my car door when my body had just shut down due to my body rejecting my XXXXXXXX XXXX The hospital is pointing the finger at the ambulance company and the ambulance company pointing the finger at the hospital. The hospital is saying I arrived VIA ambulance without any belongs ; no purse, no wallet, no ID, no Cell phone basically saying I arrived with absolutely nothing.The Ambulance is saying upon arrival to where my body was there was nothing there. No purse, wallet, no ID no documents. So, basically when my body decided to shut down someone stole my purse which had everything in it. It had my credit cards, debit card, photo ID, insurance card, cell phone, passport, money, medicines many many things to much to list. When I contacted the credit card companies and open my fraud claims I also provided them with police report number along with an detective name, address, report number and direct phone number along with his extension to where he can be reached. I have been in contacted with him on many different occasions and have never had any issues with him not answering me or calling me back most of the time whenever I have needed to speak to him and ive called his number he always answers me. What hurts me or upsets me about this situation is Navy Federal opened my fraud claim on or around XX/XX/XXXX but denied my fraud claim on XX/XX/2024 so what I am saying is not even XXXX week you did am investigation on my fraud claim and let me remind you that my credit cards were being used in XXXX and many different countries. This makes no sense to me how were you able to due a full fraud investigation that entitles different countries, along with many transactions. I am sorry to involve you in this incident but Navy Federal left me no other option. Please help me with this as this is no fault of mine and I feel that Navy Federal truly did not investigate my case. It is not feasible to do especially in less than a week time frame.

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