vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 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 2023-11-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2023, I received an email addressed to me by first and last name at my email address from Wells Fargo that they have received an application for a " Wells Fargo Time Accounts ( CDs ) ( 3 months, 4.50 % Annual Percentage Yield ) ''. I did not apply to open this account. That night I called Wells Fargo customer service and talked to 3 customer service reps including the identity theft team to verify that there is no application for a Wells Fargo account under my Social Security Number. However, over the next week, I continued to receive a series of emails addressed with my name on them about the following topics : " Access your deposit account documents electronically, Your Wells Fargo contact information has been updated, and especially concerning, emails to rate a visit to a Wells Fargo branch on XX/XX/2023 ( which I of course never visited since I am the victim of the identity thief ). I sent these emails to the identity theft / phishing team at Wells Fargo which they is what their customer service rep told me to do. 

On XX/XX/2023, I called Wells Fargo customer service again to report that I am still continuing to receive multiple emails with my name in them about a Wells Fargo account that I never opened and even visiting Wells Fargo branches, which I did not do. I spoke to the identity theft team at Wells Fargo and they said that there are no accounts at Wells Fargo using my Social Security Number. However, they are not able to search for accounts using my full name or my email address. They are also not able to search based on the Wells Fargo application ID that I received in that original email from XX/XX/2023. The rep also told me that they are not able to close the account that the identity thief opened so that I will continue receiving emails from Wells Fargo associated with this account forever. Theres effectively nothing they can do to resolve this situation in terms of closing this account and remove my name from the Wells Fargo system. 

Im reaching out to the CFPB for help on this issue. I would like Wells Fargo to treat this as a serious issue of identity theft and close this account and remove my name from the Wells Fargo system.

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 2023-11-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. FORD MOTOR CREDIT COMP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated 5-day timeframe. I trust that you will act in accordance with the law.

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 2023-11-22 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: TX

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. 

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 2023-11-22 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: CO

Complaint narrative:
Experian is in violation of federal FCRA rights. There is an account listed on my report ( and illegally shared with other companies that do credit checks ) that is due to identity theft and there is no information that it belongs to me.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Subject : Issue with Missing Welcoming Bonus Rewards Points on XXXX XXXX XXXX XXXX  I am writing to report an ongoing issue regarding the missing bonus rewards points on my XXXX XXXX XXXX XXXX  The credit card was opened on XX/XX/, under the promotion that I would receive XXXX bonus points if I spent {$3000.00} within the first 3 months. 

From my perspective, I took active measures to ensure I qualified for the bonus points. Starting from XX/XX/XXXX to XX/XX/, I contacted Wells Fargo and XXXX XXXX  multiple times via phone calls and email communication ( with evidence base ). During these interactions, I was consistently informed that I qualified for the XXXX points and that it would take 8-12 weeks for the points to be credited since XX/XX/. To ensure proper documentation, I also sent an email as evidence of our conversations. 

Despite my efforts, each time I reached out, I was either transferred to different departments or told that I was indeed qualified for the points. I persisted in my attempts to resolve the issue, hoping that the points would be credited. However, on XX/XX/, I decided to visit a physical store location and personally spoke with an agent to seek assistance in filing a case. To my surprise, after a week, I was told that I did not qualify for the points after they investigated my case. 

I want to emphasize that I spent more than {$3000.00} within the specified timeframe, which should have met the spending requirement to qualify for the bonus points. However, despite my expenditures exceeding the necessary threshold, the company stated that only {$2500.00} qualified for the promotion. 

However, I would like to emphasize that if I had been notified of my disqualification at the time of my active inquiry, I would have been able to effortlessly complete the required expenses for the promotion. 

This discrepancy between my actual spending and the amount they deemed eligible raises concerns about their communication and adherence to the terms and conditions of the promotion. It suggests a lack of transparency and clarity regarding how they determine qualified spending. 

I kindly request your assistance in addressing this matter and resolving the issue of the missing bonus reward points. I believe that the discrepancy lies in the miscommunication and contradictory information provided by Wells Fargo and XXXX XXXX. 

Thank you for your attention to this matter. Please let me know if any additional information is required to initiate an investigation or provide resolution.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 {$860.00} i reach by phone and spoke with a rep, i ask where did they get this info from because i have no knowledge of it i ask from photo id i ask for signing proof i ask for time, and place, never provided any legal info no court papars told them this is fraud,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 {$860.00} i reach by phone and spoke with a rep, i ask where did they get this info from because i have no knowledge of it i ask from photo id i ask for signing proof i ask for time, and place, never provided any legal info no court papars told them this is fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  Balance : {$0.00}.

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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
M & T BANK XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or M & T BANK customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
On Tuesday, XX/XX/ at XXXX XXXX, I contacted XXXX Representative XXXX. Upon speaking with her, I informed her of two transactions ( {$6.00} & {$7.00} ) that included two Non-Sufficient Funds fees ( {$36.00} per transaction ). The fees was processed as an ACH. I informed her of an established agreement to opt out of overdraft protection when I first opened up my account. The agreement stated when the funds are not available in account the transaction are to be declined. I requested to dispute the transactions for the NSF fees, in which, she offered to waive one of the NSF fee. I declined due to my belief the funds was available during the time of transaction and in the event that the funds was not available, the transactions should be declined. I was emailed a document for electronic signature agreement in order to file the dispute. After carefully reading the agreement and how the agreement could be used, I elected for paper signature.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I saw on my credit report that there was a huge drop in credit score, and investigated to find that some scammer opened 2 lines of credit and one line of personal loan under my name, using my social security and birth date. I contacted the bank that the two credit cards were filed under, capital one, and they were able to show that it was fraud for one of the cards, but not the capital one platinum card. I have provided ample evidence, including the email, phone number, and address of the believed perpetrator, and capital one keeps on saying that they do not see fraud in what I provided. I live in XXXX, CO, and the transactions all took place overseas, and in California, ( where I believe the scammer lives ). I even provided the scammers email, phone, and address, and was hoping for some sort of help but they keep on saying the case is closed and I am responsible. I have a online statement I had to break into the scammers capital one online accoutn ( he used a lot of my information so I was able to guess some security questions ) and saw that he changed all of the information for me to him so I would not catch him, my address is XXXX XXXX XXXX, XXXX, XXXX CO XXXX, and I even provided to capital one that the statement on the e capital one app doesnt even match mine but they didnt care. The address of the perpetrator I believe is XXXX XXXX XXXX, as shown in the pictures below. I never authorized any of those XXXX transactions, and I am a XXXX, who do not have sufficient funds to pay for someone elses charges. Please help me out, thank you. 
Case number is XXXX for reference with capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
15USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT MY WRITTEN CONSENT. This erroneous reporting has hindered my ability to support myself. I ask that you use precedent cases Under code listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
15USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT MY WRITTEN CONSENT. This erroneous reporting has hindered my ability to support myself. I ask that you use precedent cases Under code listed above.

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 2023-11-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to address an inconsistency in my credit report involving an account that XXXX has already removed due to an identified error. I am perplexed by the verification process undertaken by your bureau, especially considering that other credit bureaus have successfully removed this account from their records. I kindly request that you conduct a thorough review of this account, taking into account the information provided by XXXX and the subsequent removal of the account from their records. As per my understanding of credit reporting laws, inaccurate, erroneous, incomplete, or unverifiable information should be promptly rectified. Accounts Details : 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 I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-11-22 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: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/ there was an unauthorized transaction made via online on my XXXX XXXX XXXX Account. After calling XXXXXXXX XXXX  they advised me to call my bank and file a claim. I have filed both with the seller and my bank multiple times in which they have decided to not issue a refund and deny my claim. This purchase was made as an online emailed gift card to an unknown email using my account and debit card information that was on my world market account. BUT was not made by me or authorized by myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief