vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Re : Wells Fargo Bank Fraudulent Transfer of Savings Funds On XX/XX/XXXX, Wells Fargo Bank processed an unauthorized fraudulent Wire Transfer of {$25000.00} out of my Savings Account and sent the funds to a personal account at XXXX XXXX I reported this transfer directly to XXXX  by phone and in person. I was advised that the XXXX  Fraud Detection department would conduct an investigation to recover my funds. Unfortunately, WFB failed to recover my funds from XXXX XXXX 
Please take note that on XX/XX/XXXX, I made contact with XXXX XXXX  by phone at ( XXXX ) XXXX, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the subject funds were sent and reported that it had been tagged as having suspicious activity. The wired funds were on hold in that account. 
Through further discussions with the XXXX XXXX Security Department, I was advised that they could initiate recovery and return of my funds when Wells Fargo Bank would sign and send a Hold Harmless Letter and Letter of Indemnity to XXXX. They asked that WFB send the completed letters to XXXX. The team of Account Managers at XXXX are available to answer questions and provide assistance at XXXX from XXXX XXXX to XXXX XXXX weekdays. ( the XXXX file information is noted under XXXX Case # XXXX Dated XX/XX/XXXX. ) Wells Fargo was informed directly through their downtown XXXX Main Office and all copies of the XXXX correspondence and Wire Transfer documentation was faxed to their XXXX XXXX XXXX XXXX at XXXX by XXXX XXXX, Manager - XXXX XXXX under the file Case # XXXX on XX/XX/XXXX. 
There was no request or inquiry from Wells Fargo recorded on XXXX 's Fraud Report ticket of # XXXX. It is important to note that the subject fraudulent Wire Transfer was accomplished without use of my WFB confidential verbal password which was in effect at the time of the transaction.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent you an FTC report on XX/XX/XXXX about these fraudulent inquiries and you refused to remove them which is against the FCRA. If you do not remove these inquiries, I will be seeking an attorney I know my consumer rights and your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. *** I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM TRANSUNION. 

Once again here are the inquiries that WERE NOT AUTHORIZED : 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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 a client gave me a {$10000.00} check # XXXX drawn on XXXX bank. The client asked me to hold the check for deposit on Monday XX/XX/2024. On XX/XX/2024, I deposited the check into my state bar regulated XXXX account. I was informed by Wells Fargo Bank that the entirety of the funds would be available on XX/XX/XXXX. The check represented fees earned and as such I waited 8 days to assure that the check cleared and funds could be transferred out of the XXXX account. 

On XX/XX/2024 in excess of 3-weeks ( actually 23 days ) after deposit, I was informed by Wells Fargo Bank that `` Checks deposited into your Wells Fargo account have been returned '' " The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$10000.00} from your account XXXX XXXX Account. '' They gave " stop payment '' as the reason. The consequence of Wells Fargo Banks actions is that they withdrew funds that belong to yet another third party. 

Since this is a state regulated account, I need to report what happened to the State Bar and as of the writing. On XX/XX/2024, I immediately called Wells Fargo Bank to find out more information to find out if there was a processing error on the banks part. I have now spent in excess of XXXX hours on the phone and communicating via e-mail in an attempt to obtain information from Wells Fargo Bank. As of the writing of this complaint, XX/XX/2024, Wells Fargo Bank has failed to provide me any meaningful information. I need WFB to take responsibility, give me the fact ( s ) and basis for their actions. 

I was told that the matter was escalated a number of times only to be met with silence. 

I need to know and see documentation : XXXX. When WFB received the Stop Payment request ; XXXX. What was actually requested by XXXX ( presumably on behalf of the issuer ) ; XXXX. Why WFB returned the funds w/o notice ; 4. Why WFB waited in excess of 3-weeks to return the funds. 

I need a response immediately and to see the funds returned. 

I reviewed the Federal Regulations in particular Regulation CC and the U.C.C. Article 4, believe that both WFB and XXXX Bank are non-compliant. 

At a minimum, WFB had to provide me notice prior to taking any action, they failed to do so. 

Your help will be greatly appreciated.

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 2024-03-10 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXXXXXX XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies and I am attaching proof of data being breached through XXXX web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: GA

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

XXXXXXXX XXXX : 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 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 2024-03-10 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: GA

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

XXXXXXXX XXXX  : 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 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 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX account XXXX in the XXXX of Florida and XXXX. Under the laws of the State of ( State where the car was repossessed ) UCC ( Your states UCC code, you will need to look this up ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and XXXX Article 9 remedies.

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 2024-03-10 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant Credit Card closed the account. 

This closed account has caused pain and suffering and I will take it to arbitration if one is one file I dont know because company wont help me that they just account closed and payment. I have to hire a lawyer to sue for the damages that harm me and my family.

Accordingly to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Creditors did not have permission to share non public personal information with affiliates and non-affiliate third-parties or a opt out option which I am now opting out.

Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

This is a violation of my privacy under the privacy act 1974 and is a {$1000.00} per violation.

The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information Please send {$1000.00} for the violation you can send a check in the mail to the address you have on file please thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
XXXX XXXX XXXX - XXXX and their subsidiary XXXX XXXX - XXXX saw me on XX/XX/XXXX and XX/XX/XXXX respectively for medical issues that ultimately ended with a diagnosis and discharge from the hospital. I was never sent a bill and never informed in their payment/patient information portal My Chart that anything was owed. The injuries that led to the stay were the fault of another driver and a document sending them to XXXX was given to hospital staff at their request during my stay. Almost two years later on XX/XX/XXXX I received two letters from Works & Lentz , Inc, a debt collector saying I owed {$310.00} to XXXX and {$19000.00} to XXXX XXXX. It was sent to an old address but was forwarded to us and it was marked with what appears to be a very wrong and jumbled spelling of my name so my legal name is also not on any of the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/year> I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXXXXXX XXXX XXXXXXXX Status : XXXX XXXX XXXX. XXXX Account Status : OK XXXX XXXX  Account XXXX : Closed XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX XXXX Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate XXXX. XXXX Status : Collection/Charge Off XXXX. XXXX Status : OK XXXXXXXX XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off XXXX. XXXX Account # : XXXX Status : Collection/Charge-Off XXXXXXXX XXXX Status : Collection/Charge-Off XXXX. XXXX XXXX XXXX Status : Collection/Charge-Off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: PA

Complaint narrative:
In XX/XX/2024 I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXX. XXXX  XXXX Status : XXXX XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXXXXXX Account XXXX : Closed XXXX. XXXX XXXX ( formerly known as XXXX  ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX. XXXX  Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate 6. XXXX Status : Collection/Charge Off 7. XXXX Status : XXXX 8. XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off 10. XXXX Account # : XXXX Status : Collection/Charge-Off 11. XXXX  Status : Collection/Charge-Off 12. XXXXXXXX XXXX XXXX Status : Collection/Charge-Off

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I started the car loan in XXXX, the car was XXXX in XXXX after making payments, XXXX realized it was mistake and released the car immediately with no additional fees, the next month I saw a fee for XXXX dollars when I questioned it they told me they have the right to charge since the car was picked up, I was not late and made payments see attached. 
In XXXX, the car was list as destroyed by natural disaster, at the time the car was total out but XXXX could not confirm the information requested by the insurance company, so the claim was never granted. XXXX closed the matter even though I was still making payments. They conveniently came back in XXXX and open the account. In XX/XX/XXXX, XXXX came an repo the car, I was making payments. 
XXXX is a fraud, they do not honor their payment extensions, they do not post payments correctly and they are inaccurately reporting this account to all three credit bureaus. They have this account listed as repo in XX/XX/XXXX, and that they have no information on me paying in XXXX. They are hurting my credit and me obtaining a new vehicle because of this inaccurate information. They say I still owe XXXX after paying from XXXX XXXX, my loan was up in XXXX. So how did my credit report get updated to reflect a repo in XX/XX/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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I started the car loan in XXXX, the car was XXXX in XXXX after making payments, XXXX realized it was mistake and released the car immediately with no additional fees, the next month I saw a fee for XXXX dollars when I questioned it they told me they have the right to charge since the car was picked up, I was not late and made payments see attached. 
In XXXX, the car was list as destroyed by natural disaster, at the time the car was total out but XXXX could not confirm the information requested by the insurance company, so the claim was never granted. XXXX closed the matter even though I was still making payments. They conveniently came back in XXXX and open the account. In XX/XX/XXXX, XXXX came an repo the car, I was making payments. 
XXXX is a fraud, they do not honor their payment extensions, they do not post payments correctly and they are inaccurately reporting this account to all three credit bureaus. They have this account listed as repo in XX/XX/XXXX, and that they have no information on me paying in XXXX. They are hurting my credit and me obtaining a new vehicle because of this inaccurate information. They say I still owe XXXX after paying from XXXX XXXX, my loan was up in XXXX. So how did my credit report get updated to reflect a repo in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief