vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My XXXX credit card was stolen from my mailbox along with other pieces of mail on XXXX while I was on vacation, they activated my XXXX card and tried to purchase something for more than XXXX $ at target and I guess the card declined so they applied for a target credit card, not sure the date sometime after XXXX and XX/XX/19 which is when I received a letter in the mail stating they denied my credit card application because I was already approved for XXXX because they sent me another letter in the mail with a credit card, I called target to ask what their policy was for applying for credit card and they said all you need is an ID to apply but when I called the target credit card they said you need your social security number so someone opened up a credit card using either my social Im assuming for target which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
There is an account with Truist that needs to be addressed. Its my fathers account that is still open. He has been deceased since XXXX. I inherited his property and had the mail forwarded to my house recently as we were moving utilities, etc .... The property came into my name in XXXX and I realized I should stop the mail. 
There is a bank account statement with XXXX in it and the bank is refusing to freeze it and says we have to come to the branch. 
We are in XXXX and this is in XXXX. 
We cant just come there, they need to have a freeze placed and we want to know who is using this account!! We knew there was an account but he died at XXXX and his home was ransacked so we couldnt find any information. Supposedly there wass XXXX in an account and now there is XXXX. 
We want it frozen we want answers so we can get an attorney and figure it out.

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 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my consumer reports and I noticed that there was a 30 day late payment on an account that was paid in full and closed and was never late for consumer reporting agencies have assumed a critical position and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for this account ( XXXX XXXX ) please investigate and provide proof with statements showing this payment was late if proof cant be provided I demand this payment be updated as on time paid in full and account closed and reflect as NEVER late 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 non-monetary relief
Consumer complaint received 2023-06-04 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: FL

Complaint narrative:
I pulled my consumer reports and I noticed that there was a 30 day late payment on an account that was paid in full and closed and was never late for consumer reporting agencies have assumed a critical position and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for this account ( XXXX XXXX ) please investigate and provide proof with statements showing this payment was late if proof cant be provided I demand this payment be updated as on time paid in full and account closed and reflect as NEVER late 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 2023-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo ATM entered an incorrect amount on a check I gave to my son. After countless hours on the phone and visits to the bank in person, ( we were given different information each time ) Wells Fargo failed to honor the check. They are telling him to just get another check!! This is Wells Fargos fault and they will not resolve it satisfactorily. Its caused a lot of wasted time on my sons part, and anguish on mine! 

Wells Fargo also will not return the original check to us. According to them The Case is CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed a fund transfer from my XXXX XXXX account for {$7800.00} to Capital One bank. I did not initiate this transfer nor do I have a Captial One bank  account. I contacted XXXX XXXX and they reversed the transaction and they locked the account so that no further transactions could be done in the account. While XXXX XXXX  was looking at my activity they noticed another pending transaction for another {$1000.00} to the same Capital One Account. A few days later ( XX/XX/2023 ) I got a letter from Capital One saying the address on my account was changed from my home address in NY to an address in NJ. I therefore called Capital One to report this because I never opened an account at Capital One. I spoke with a supervisior in the fraud department at Capital One who took my XXXX and said that they froze all of the accounts. I asked how many accounts they froze as I only got one letter so assumed it was only one fraudulent account that was setup. They refused to give me any information about these fraudlent accounts. So now i am in a position where i have no idea how my XXXX was obtained or how many accounts may have been fraudulently opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, a {$250.00} money transfer was initiated by FRIEND to the XXXX account of XXXX by mistake. The correct email was XXXX. 
FRIEND contacted the recipient ( XXXX ) to request reversal of the transfer. The recipient acknowledged the incorrect transfer but he has since refused to return the money. FRIEND 's efforts to deal with both her bank Wells Fargo and XXXX ( XXXX 'XXXX XXXX ) have failed to achieve return of the money. XXXX refused to communicate with her. My efforts to convince XXXX have also failed ( see attached emails ). 

I request that you convince the Wells Fargo, XXXX XXXXs and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX to process the return of the {$250.00}. 

XXXX is a trademark of XXXX XXXX, XXXX XXXX XXXX is similar to such services as XXXX and XXXX. XXXX was created jointly by several large banks, including XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Wells Fargo.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-06-03 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: FL

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. 

XXXX XXXX XXXX, XXXX XXXX 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 2023-06-03 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: TX

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-06-03 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: FL

Complaint narrative:
Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I do not recognize these inquiries and need them removed immediately

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 2023-06-03 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: CA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2023-06-03 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
my credit has been low do to a charge off that was placed on my account while recovering from a car accident. after I fully recovered On date XX/XX/2022 I look more into the credit report to see if there is anything wrong with the report placed for the charge off. I made a dispute to all 3 bureau because I seen discrepancy, and inaccurate information.the balance wasn't matching the past do, the written of balance, and the original balance. also irs passed law that gross income shouldn't be on your consumer report and I didn't receive the 1099G form as well as several violation 15 U.S.C1681s-2 ( a ) ( 1 ) ( a, 15 USC 1681e ( b ) which I let the live agents know. and asked after investigating to remove/ cease/ delete the inaccurate account and they ended up updating it instead.I again tried to dispute it again for the same reasons because when they updated it the balance was more the account been closed and charged off and wasn't matching so again for inaccurate account and several violations because I prior disputed for same reason and they ended up updating the information once again and as of right now the account once gain is under dispute for the 3rd time multiple violations need it removed AS soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: TX

Complaint narrative:
Experian is posting accuracies on my credit report and legally MUST be removed. I have attached a copy of my credit report, the exact disputes needed to be removed as they are unverifiable, and the last piece is that these accounts are in violation to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This all took place in just the past two weeks. I got a DM on XXXX on XX/XX/XXXX from this art account ( XXXX ). She asked if she could paint a picture of me and I was like " Sure! ". It was super convincing. So she was like I'll send you a check for {$2000.00} but you get {$500.00} and send it like the company I work for the rest. So on XX/XX/XXXX, I asked her some questions just to like to make sure that this was safe and she reassured me that it was she emailed me a check for {$1500.00} and I deposited it. I was convinced that this was safe. So I deposit it none of my finance apps were working to send her " higher ups '' the money on XX/XX/XXXX. Burt today XX/XX/XXXX I thought we could try to XXXX XXXX and that worked today XX/XX/XXXX I get an email from my bank ( wells fargo ) saying that they are closing my account because of a suspected altered check. So I just don't know how to move further and I remember seeing this video for the CFPB. So now here we are and I just don't know how to proceed. So now I'm going down this spiral of what to do.

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 2023-06-03 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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