vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/2022, I tried to deposit {$900.00} in Wells Fargo ATM, XXXX XXXX, MD. But ATM screen showed {$800.00} instead of {$900.00}. While I was trying to figure out to take out {$900.00} back, I happened to touch the button for withdrawing {$1000.00} without my knowledge. When I got the money back, it was XXXX instead of XXXX. I went back in the branch to talk about the {$100.00} ATM machine took and never gave back. 

The banker named XXXX ( or XXXX ; XXXX hereinafter ) didn't seem to believe what I said. Then, the couple behind me mentioned that a gentleman outside was looking for me because the cash from ATM was hanging out then got back in the machine. I ran out and found the man standing in front of ATM, and thankfully he entered in the branch and testified that he witnessed the money hanging out of ATM. Until then, I thought the hanging money it was {$100.00}. 

But, XXXX kept on asking few times about {$1000.00} withdrawal that I didn't know about. I only touched the button, which I learned later on that the button was for withdrawing {$1000.00} and the money the gentleman saw was {$1000.00} that got back in the machine. 

Now, I got {$1000.00} back mostly thanks to the gentleman 's in-person testimony. However, Wells Fargo said their investigation concluded that {$100.00} was not wrongly taken by the money. 

I counted the money of {$900.00} at XXXX XXXXXXXX XXXX where I stopped by before going to Wells Fargo. Plus, XXXX commented that the ATM I used ( at that time ) has " problem '' and is waiting to be replaced. I asked her to shut down ATM and/or put up a sign so that the customer would not go through the same problem I went through. But she said the headquarter didn't approve of shutting it down or putting up the sign. 

I personally put the sign on the same day after I got a paper and pen from XXXX XXXX XXXX  I went to after Wells Fargo. ( I have a picture for that ) I got Wells Fargo 's investigation result and called back the number to dispute. But the customer representative on my case said there is no other way to dispute the amount, and this is the final conclusion. I asked a lawyer about Wells Fargo 's negligence in managing malfunctioned ATM machine that led to taking my {$100.00} wrongfully. But I was told it will take a lot of money to file a lawsuit against them. So, I have given up until today when I saw a post at XXXX about ATM malfunction and got it resolved through CFPB. 

{$100.00} is not big money to some people, but it is big money for me. Plus, the bank has no right to take my {$100.00} without any reason and simply concluded their investigation.

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 2023-03-22 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAVE DISPUTED SEVERAL ACCOUNTS THAT'S NOT REPORTING ACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NJ

Complaint narrative:
The following were unauthorized hard inquiries that were made to my credit report. 

XXXX ( Finance ) XX/XX/2023 XXXX FIN XXXX XXXX Bank ) 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 2023-03-22 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: NJ

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-03-22 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: AR

Complaint narrative:
I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my updated credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: AR

Complaint narrative:
I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my updated credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}.

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 non-monetary relief
Consumer complaint received 2023-03-22 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: DE

Complaint narrative:
In accordance with the fair credit reporting act XXXX, account 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

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 2023-03-22 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: IL

Complaint narrative:
XXXX XXXX XXXX  Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XX/XX/XXXX Amount : {$6600.00} I expressed to XXXX XXXX XXXX, and Equifax XXXX these are fraudulent accounts and were never accounts belonging to me. These are adversely effecting my credit on all three bureaus. I have sent multiple letters to all three bureaus with my requests, asking for documentation bearing my electronic or wet ink signature supporting these accounts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
XXXX XXXX XXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XX/XX/XXXX Amount : {$6600.00} I expressed to XXXX XXXX Experian, and XXXX XXXX these are fraudulent accounts and were never accounts belonging to me. These are adversely effecting my credit on all three bureaus. I have sent multiple letters to all three bureaus with my requests, asking for documentation bearing my electronic or wet ink signature supporting these accounts to no avail.

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 2023-03-22 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I, Consumer XXXX XXXX am filing this complaint against Experian and XXXX XXXX XXXX for inaccurate reporting of the account. Please see attached for more information.

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 2023-03-22 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: AR

Complaint narrative:
I am writing to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be updated and corrected from my credit report : XXXX XXXX  Balance Owed : {$420.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6800.00}. I have included a copy of a dispute letter I previously sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.

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 2023-03-22 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: AR

Complaint narrative:
I am writing to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be updated and corrected from my credit report XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$28000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$6800.00}. I have included a copy of a dispute letter I previously sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2023 I applied for a checking account online with U.S. Bank. I received an email that it was currently under review. The following day I called and spoke to an agent on the phone to follow up and I was told that I would have to send required documents to verify my identity. On XX/XX/2023, I submitted scanned copies of my documents to XXXX. On XX/XX/2023 @ XXXX XXXX Eastern Time, I received an email from them stating that my checking account was APPROVED and should wait for a follow up email within 2-3 business days. Days go by and no email received. 

I followed up and called them on Monday, XX/XX/2023 regarding my approved checking account. The agent from the deposit review department told me that my checking account was turned down. I told her that it was approved. I just received an email on XX/XX/2023. She then transferred the call to her supervisor. 

The supervisor then told me that the checking account was approved by their first system and then was declined by the second system due to a system error. I told her if they can do anything about it since it is a system error and can be override by a human being. She replied " NO, THIS CAN NOT BE DONE ''. I also told her to review my application manually by a person in their back office and she said again that this can't be done. It's not about your personal info, it's about the system error, she added. 

This is the most ridiculous thing I have ever experienced in my life. They declined my checking account application due to a system error? and no one can override or at least give a review to reconsider? THIS IS UNFAIR BANK PRACTICE TO CUSTOMERS!!!!! 

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 2023-03-22 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

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. 

Sun XXXX XXXX amount {$860.00} ; XXXX XXXX # XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX amount XXXX, XXXX and XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 u.s.c.1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A. It also states a consumer reporting agency can not furnish an 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 information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation