vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, while on an XXXX XXXX, I purchased a watch and some jewelry at a store named XXXX XXXX at the port of XXXX, Alaska. The store offered to put the transaction by opening a Wells Fargo credit card with XXXX interest for 18 months. There was no mention or discussion of interest after the 18 month period. I agreed to open this credit card ( XXXX XXXX XXXX  XXXX XXXX XXXX ) for a total sum of {$12000.00}. I have been paying off {$420.00} every month since then as was required by the bank. The balance of this account came to {$4400.00} as of XXXX of XXXX. XXXX and behold, I see on my recent Wells Fargo credit card statement of XXXX, XXXX, a charge of {$4800.00} as 'Interest Charge on Purchases '. Alarmed by this huge interest charge, I met with my banker at the Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX XXXX, NV ) on XX/XX/XXXX. I offered to pay off the unpaid balance immediately and requested them to remove the large interest charge. He refused to remove the charge despite the fact that I have substantial amount of deposits ( in excess of {$100000.00} ) at the bank. I submitted a written request which he sent to the corporate office. But no response yet. 

The interest charge is outrageously high and is far beyond any consumer credit loans. The math did not make any sense. Moreover, Wells Fargo did not notify me that they will add this large interest charge contrary to the way sent me a 'monthly ' reminder of payment of {$420.00}. This is a very deceptive practice that they send reminder for monthly reminder of {$420.00} but did not care to inform me that they will charge me {$4800.00} as interest charge. Had I received a similar courtesy reminder, I would have immediately paid it off to avoid the interest charge because I had more than enough money at my various Wells Fargo accounts. 

I request you to investigate this dubious or inconsistent practice of communicating with the customers that end up substantially costing the customer and have Wells Fargo remove this interest charge of {$4400.00} on a credit balance of {$4400.00}. 

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 2025-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westcreek Financial
State: NC

Complaint narrative:
I attempted to dispute this case through transunion. transunion denied my dispute. dispute file number XXXX filed on XXXX 

I even eached out to XXXX  to dispute this because they marked my account previously as a charge off but had never sent any correspondence relating to this or the account closer. im requesting this to be removed from my consumer account due to the company not following Fair Credit best practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

The accounts are -XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback back

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 2025-01-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

The accounts are -XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback back

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 2025-01-01 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: TX

Complaint narrative:
This CFPB Complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681c-2 ) that you, Transunion, XXXX, and XXXX, block information on my credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of the following accounts, XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX ( XXXX different collections ), XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Transunion ; XXXX on XXXX XXXX I do not recognize the aforementioned accounts, inquiries, and collections on my credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, inquiries, and collections are the result of identity theft and fraud. I have attached a copy of my file FTC Identity theft report, Report # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned as proof and have also filed an identity theft report in my local jurisdiction. The breaches of my information confirmed by both XXXX as well as XXXX XXXX XXXX have allowed for my information to be stolen by someone who committed a financial crime in Alabama, for which I was falsely incarcerated in Texas for. Once the mistaken identity was confirmed, I was released without any charges or pursuit.

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 2025-01-01 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: TX

Complaint narrative:
This CFPB Complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681c-2 ) that you, XXXX, XXXX, and Experian, block information on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of the following accounts, 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 XXXXXXXX Experian XXXX I do not recognize the aforementioned accounts, inquiries, and collections on my credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, inquiries, and collections are the result of identity theft and fraud. I have attached a copy of my file FTC Identity theft report, Report # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned as proof and have also filed an identity theft report in my local jurisdiction. The breaches of my information confirmed by both XXXX as well as XXXX XXXX XXXX have allowed for my information to be stolen by someone who committed a financial crime in XXXX, for which I was falsely incarcerated in XXXX  for. Once the mistaken identity was confirmed, I was released without any charges or pursuit.

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 2025-01-01 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: OH

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-01 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: OH

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XXXX XXXX There was a charge on my venmo account for {$130.00} From an unknown merchant. 
I contacted venmo on On the same day that I saw It to dispute the charge .they did an " investigation " and got back to me After several days and told me the claim was denied so They suggested I follow in appeal. I also decided to reach out to the merchant myself .when i contacted the merchant on XXXX they realized it was fraud and were willing to refund the money but upon advisement from venmo i had closed the account the refund would have gone to and opened a new one also with venmo.The merchant was willing to refund it to the new account pending a verification with venmo via XXXX way call between the merchant myself and venmo. 
I called venmo XXXX and they said they couldn't do a XXXX way call or reach out to the merchant But then I have an email saying that they wouldBut could not get anyone to follow through with anything and the company supposedly sent them paperwork to be filled out in order for me to receive my money and I have been emailing and calling venmo relentlessly from the day this started. They are always giving me the runaround. I need them to allow the merchant to refund the charge of {$130.00}. There were also overdraft fees and things like that occurred due to them taking this money from my account but I at this point I'm willing to just get back to the Fraudulent charge. I get the same repetitive emails back and forth the basically are just pacifying me and no one is doing anything that they're supposed to. I am a senior citizen on effects social security income and a {$130.00} is quite a bit of money for me and I don't know that they're going to do anything unless I contact you and I just want the money so I can close the account I'm also attaching a couple of emails so that you can see the inconsistency in the stories then I'm being told this XXXX example is the XXXX different things I was told about them being able to contact the merchant. So you can see how they are Saying all kinds of different things. Thank you in advance for helping This has been a problem since the middle of XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. These inquiries were not authorized by me and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bailey Act ( GLBA ). 
The specific inquiries in question are as follows : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Television & Radio ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Credit Card XXXX. 
( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Report. Agencies XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX CRED Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX XXXX  Under 15 U.S.C. 6802 ( GLBA ), financial institutions are required to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Additionally, under 15 U.S.C. 1681b ( FCRA ), a consumer reporting agency may furnish a consumer report only under certain circumstances, such as with the consumer 's written consent. 
I did not provide consent for these inquiries, and they were made without my authorization. Therefore, they are in violation of the aforementioned statutes. I request that you investigate this matter and remove these unauthorized inquiries from my credit report immediately. 
Enclosed, you will find copies of my credit report highlighting the unauthorized inquiries, as well as any other relevant documentation to support my claim. Please confirm in writing that these inquiries have been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # [ XXXX XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-01 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # [ XXXX XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to veri
fy the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-01 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
This is my second request disputing inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) I am entitled to dispute fraudulent accounts and expect a prompt investigation. During the next XXXX days As a victim of identity theft, I request validation of the following accounts : Creditor : XXXX XXXX Account Number : XXXX Reason : This account is not mine ; I never received communication from the creditor. Verification proof has not been provided. 

Creditor : XXXX XXXX, Account XXXX : XXXX Reason : This is a fraudulent account. A police report has been filed. 

Other Accounts Reported in FTC Report and Police Report : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX This issue has caused significant distress. I have reported it to the FTC, CFPB, and XXXX  for further assistance.

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