vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is the bank I chose in XXXX. I was a loyal customer to the company. I was proud to Bank with, I also wanted to build history with Wells Fargo.As years passed going from XXXX I noticed there was never any protection from overdraft fees .This would affect my finances because if my card was overdraft {$XXXX} for example it would immediately be taken once I would deposit my check or any funds. This always kept me in debt and short on funds when I needed to pay bills. I contacted Wells Fargo about the situation and nothing could be done or resolved that was their policy I was told. I truly was never able to do anything about this situation. The end result was Wells Fargo immediately closing my account and charged with a bill over {$XXXX} .Its not allot of money but when you work for minimum wage with XXXX kids it felt like pure XXXX. I became homeless in XXXX and lost my apartment with no place to live.

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Bank allowed XXXX unauthorized transactions to occur on my account. A Wells Fargo customer service phone number called and said there was fraud happening on our account. They gave their names and IDs to me and told me to call Wells Fargo to verify. While waiting in queue to talk to Wells Fargo their same customer service number called and said it was a customer service representative and corroborated the employee and Id. They transferred me back over to the so called employee and we began to screen share to check accounts. They were helpful and told me to call another number to wrap up the fraud claim. That number called forward the phone and they were able to activate XXXX and steal all of our money. The so called employees were actually fraudsters who duplicated Wells Fargo phone numbers. They stole money from us and Wells Fargo refuses to take any responsibility.

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 monetary relief
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account ( XXXX  XXXX ) ( Account # XXXX ) This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This account has all payments up to date and the company is reporting charge off and my balance is reporting inaccurate too.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
In XXXX of XXXX, i filed a dispute regarding account hwarfield, this company failed to provide a descriptive report on how it was concluded that the account in question was accurate and fair. There was no payment history provided, there was no original documentation provided to me regarding the validity of the account. 

Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$XXXX} past due as of XX/XX/XXXX. 

Status updated XX/XX/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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is practicing unfair and deceptive descriptions and processing regarding credit card autopays. The attached PDF includes proof of banking industry standard regarding autopay, the CFPB 's description and definition of autopay, and the despicable way in which Bank of America utilizes the term " autopay '' when they know it is not autopay. 

The CFPB recently passed Part 425 Rule concerning recurring subscriptions and other negative option programs and the CFPB calls for Clear and Conspicuous disclosure that is easy to understand by ordinary consumers.
I've provided pictures of what other Banks are doing to provide clear disclosures around this service and what BofA does that is so misleading and wrong. 

I hope you will give this information a good hearing and put an end to Bank of America 's deceptive practice regarding Autopay for credit cards.

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 2024-12-21 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 am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: VA

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

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 2024-12-21 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: DC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 2024-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 
XXXX - XXXX The following inquiry was not authorized and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2024-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 
XXXX - XXXX The following inquiry was not authorized and should not be reporting.

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2024-12-21 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: NY

Complaint narrative:
I am writing to dispute the following XXXX  in my credit file. The items I dispute are also encircled on the attached copy of the report I received. 
My credit report and score falsely sanction me for a vehicle XXXX  that is inaccurate. The vehicle listed as XXXX  under my name on my credit report was in the state of theft and not in my possession as you will see on the attached Theft Report. The car was stolen on XX/XX/XXXX and not in my possession. 
My XXXX XXXX suffered immensely as did my financial future. I can not refinance, nor open a credit card account, buy a house, buy a car after mine was stolen, rent an apartment. My insurances went up, my checking and savings bank of XXXX  years, XXXX  XXXX XXXX closed my accounts. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX that is registered in my name, wrongfully so as I was never in default as you will see in the attached financial statement from XXXX XXXX XXXX XXXX XXXX ). TFS extra contractually XXXX  the vehicle and impounded it to a lot where it was XXXX. 
It was not in my possession on XX/XX/XXXX. 
This credit report and forever stamped XXXX  is inaccurate. I am requesting that the item be deleted. 

I called the credit bureaus and no help. I called and called XXXX and they were going to auction my car they had NO EXPLANATION AS TO WHY IS WAS XXXX. Nothing in the contract. I still paid to get it back reinstated account and they still reported repo. Please help XXXX XXXX XXXX are conducting bad business, unlawful repo, destroying my life, mental health. When I did nothing and my car was stolen.

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 2024-12-21 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I believe the accounts and inquiries listed below were established or made fraudulently and without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am filing this complaint against Experian due to their ongoing failure to investigate and remove fraudulent accounts, inquiries, and personal information from my credit report, despite multiple disputes and clear evidence provided by me. 

Fraudulent Account : XXXX XXXX : This account is fraudulent and was opened without my authorization. Experian has failed to conduct a proper investigation or provide evidence to validate this account. 
Fraudulent Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are fraudulent and have no connection to me. Despite my disputes, Experian has refused to delete them, leaving inaccurate and damaging information on my credit report. 
Fraudulent Inquiry : XXXX XXXX XXXX on XX/XX/year> : This inquiry was made without my authorization, yet Experian continues to report it as valid. 
These inaccuracies have caused harm to my credit profile, financial opportunities, and emotional well-being. Despite my repeated disputes and compliance with XXXX documentation requests, they have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to remove unverifiable or inaccurate information. 

XXXX negligence in resolving these matters shows a lack of accountability and adherence to federal law, and their inaction continues to cause me unnecessary stress and financial harm.

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 2024-12-21 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: FL

Complaint narrative:
I am filing this complaint against Experian due to their ongoing failure to investigate and remove fraudulent accounts, inquiries, and personal information from my credit report, despite multiple disputes and clear evidence provided by me. 

Fraudulent Account : XXXX XXXX : This account is fraudulent and was opened without my authorization. Experian has failed to conduct a proper investigation or provide evidence to validate this account. 
Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are fraudulent and have no connection to me. Despite my disputes, Experian has refused to delete them, leaving inaccurate and damaging information on my credit report. 
Fraudulent Inquiry : XXXX XXXX Inquiry on XX/XX/2024 : This inquiry was made without my authorization, yet Experian continues to report it as valid. 
These inaccuracies have caused harm to my credit profile, financial opportunities, and emotional well-being. Despite my repeated disputes and compliance with Experians documentation requests, they have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to remove unverifiable or inaccurate information. 

Experians negligence in resolving these matters shows a lack of accountability and adherence to federal law, and their inaction continues to cause me unnecessary stress and financial harm.

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 2024-12-21 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I lost all access to my account same day I deposited my check and I'm almost homeless they verified that my check was good and they still making money off the money I have in there. They said they mailed the check then when I call they say they didn't on a recorded line I hate to be lie to they said I was suppose to get it by today. But I called and they said it never been mailed. This is unethical and wrong Citibank will make you depressed witch I am suffering and it's XXXX and I don't even know if I'll have a house soon

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 monetary relief
Consumer complaint received 2024-12-21 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: WI

Complaint narrative:
On XX/XX/year> an inaccurate balance of {$20.00} was furbish onto my consumer report by a debt buyer XXXX XXXX XXXX and is law firm XXXXXXXX XXXX XXXX. I am not obligated and will not paid the alleged debt of {$20.00} inaccurately furbish onto my consumer report. The original debt of {$2200.00} has been satisfied. I have reached out to both XXXX XXXX XXXX and XXXX XXXX XXXX  who I will be filing a summons and complaint ( small claims ) against for violations of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Accounts open under my name are fraudulent and i hano knowledge of any accounts with company. However when i do apply for card i am being denied and treated unfairly as my credit is fair and meets approval requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MI

Complaint narrative:
I am filing a complaint against Experian for failing to correct inaccurate information regarding late payment reported on my credit report for account XXXX. 
Despite several requests for correction ( letters dated XX/XX/year>, XX/XX/year> ) and ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation