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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo checking and savings bank acckunt with XXXX access periodically denied, account closed without notice. Card freeze. Unexpected charges and fees added to statement.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 — Bounced checks or returned payments
Company: ADP Inc.
State: OR

Complaint narrative:
I reported my card lost and stolen, But they didn't they did not deactivate my card some funds was stolen when the was card misplaced I found a dispute with the company Wisely and I still never replace my money

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: TX

Complaint narrative:
Charged with overdraft Missing money

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 — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
This is a continuation of complaints XXXX, XXXX, XXXX, XXXX, and XXXX. Since we have received little information on what exactly they need to unfreeze our account, my wife and I did research online and found that USAA has a verify link on their site for verifying identify. On XXXX XX/XX/2023, my wife input our USAA ID, a picture of her drivers license, and received confirmation it was received by USAA and was notified that it would take about a day to complete verification. So they now have our passports, my wifes residency card, my wifes drivers license, my military orders ( showing our home address in XXXX and my duty station in XXXX ), and the phone calls my wife and I made to them communicating our information verbally. Our debit cards have been frozen since XXXX XX/XX/2023. 

I double checked my debit card by trying to use an ATM with it on XXXX XX/XX/2023 and received the notification on the ATM that my card had been reported lost or stolen. I was quite surprised since I have not reported this. This indicates that USAA has been deceptive in what they are telling me because they told me that my card was suspended. It seems they marked my card as lost or stolen after my call on XXXX XX/XX/2023 when calling about my wifes card not working. During the call, I asked what other information do they need to reinstate my wifes card. And after not receiving a clear answer, I asked that they send a written letter detailing me this information. The customer service agent seemed agitated when I requested this. It was after that call that my card was no longer available as an option to verify my identify when calling and I received a letter dated XXXX XX/XX/2023 providing very little information ( it seems they created the letter after my call but back dated it to before my call ). So it seems they marked my card as lost or stolen out of spite ( I documented my conversation with a supervisor in one of my earlier complaints where she checked on my card and I overheard her say to herself something to the effect of they even suspended his card at which point my call was transferred with nothing else being said by the supervisor ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in XXXX from XX/XX/2022 didn't get out until XX/XX/2022. My account had money but it somehow said that it went into collections. {$110.00}.

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The fees drastically increased when I have been consecutively paying off this credit card on time. The other major issue with this company is reporting a 30 day late payment to my credit report when I have prof of payment. I did not miss any payment. Im ready to pay this credit card off in full and its entirety and move forward.

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 — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the Chase XXXX XXXX XXXX active for her to use. We contacted the Chase credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get Chase XXXX correct this error. The Chase credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. Chase is now not returning my calls.

This erroneous Chase information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.

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: OR

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

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 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not give consent to these companies to review my credit profile for this reason! 

XXXX XXXX XXXXXXXX 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: GA

Complaint narrative:
From XXXX to XXXX I was charged fraudulent overdraft fees exceeding well over {$XXXX} when wells Fargo Bank was located on the corner of XXXX XXXX & XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX I mean, personally I don't see how I could continuously be charged fees if my account wasn't being funded, but whenever I did receive funds, they were illegally taken to settle outstanding trumped up fees occurred while I was unemployment at the time

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: VA

Complaint narrative:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.

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: VA

Complaint narrative:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not give the companies below consent to access my credit report/profile! 

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not give these companies writing consent for this reason! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have attached a letter to XXXX XXXX XXXX outlining potentially illegal activity that they have engaged. They have not validated an alleged date, failed to provide any written communication to me as well as reported to all credit bureaus without due process and following the law. 

I have filed disputes with all credit bureaus and sent them the attached letter. This reporting is meant to document the letter sent for a formal response given the appearance of their disregard for the law.

Company public response: Company disputes the facts presented in the complaint
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: VA

Complaint narrative:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. The attached documentation further explains my claim.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. The attached documentation further explains my claim.

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: VA

Complaint narrative:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. The attached documentation further explains my claim.

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 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: NC

Complaint narrative:
Between XXXX and XXXX I had a checking account with Wells Fargo and they charged me overdraft fees to the point where my whole paycheck would be taken every XXXX weeks even without any transactions being made. I disputed the amounts and the customer service employees would laugh and hang up on me. I eventually went with another bank but this bank was horrible to work with.

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: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Had an insurance claim for my XXXX XXXX RV, I took it to camper world in Idaho XXXX, because the waistline was leaking come to find out it wasn't the waistline, it was the hose connected to my tub they need a replacement the hose cost {$15.00}, two screws in the seal, XXXX XXXX charged me {$850.00} and didn't fix anything, so I found this dispute with Wells Fargo, returned the money, but then denied the claim, they in the closing my account because it was overdraft like by XXXX and something dollars, which I know I should have never lost a claim

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: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back from in between XXXX, 4-8 different accounts was opened in my name in XXXX and they froze my account a few times until they investigated and found out that it wasnt me at all.Im from XXXX and not from XXXX and I havent even been to XXXX at all. They never sent me a letter regarding the fraud and what have happened and how did it happened.

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