vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I completed a legal name change. My name was XXXX XXXX XXXX. My name has been updated to XXXX XXXX XXXX . I have a court order signed by a judge, my license, social security card and birthday has been updated. 

They requested that I mail a copy of my social security card, that does not seem secure or safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: MI

Complaint narrative:
Ihave sponken to the company and they said they would take it off but have not done so ... .i would like to please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized Credit Inquiry by Your Company placed on my Credit Reports While checking my personal credit report, I noticed an inquiry was placed on my report made by your company. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is my second time with Wells Fargo having identity theft and my money being taken. I had applied for a XXXX XXXX XXXX XXXXXXXX  and someone else received the check for XXXX XXXX and cashed it into my account and took it out with no proof of ID. I was not notified I filed a complaint called to make the fraud claim that the Wells Fargo manager had me do since they couldnt help me at all or give me an explanation as to why I they didnt freeze my account when seeing this activity going on. They said they normally send an email out of there is suspicious activity, which is beyond ridiculous knowing that its not just & XXXX or & XXXX dollars being taken it was nearly {$2000.00} and then some from my work checks that would be deposited. I closed the Wells Fargo account they made me pay a fee of {$180.00} something dollars to close it and then I filed a law suit with my attorneys. Im still in the process trying to retrieve my XXXX XXXX check that someone cashed out without a valid ID. I will keep filing claims and fraud against Wells Fargo and the employees that did not help me nor the manager at the location where I live. I will constantly write bad reviews until something is done and keep writing letters on all documentation for my attorneys for this case to be big enough to build on and on others claims Ive received that havent had any positive feedback on theyre claims being filed of wrongful activity and the worse bank of all. I just filed my law suit and just filed a police report along with it as well. I will not provide any documentation for Wells Fargo as of now that I have my lawyer because before I filed I was giving and going through Wells Fargos portals of fraud claims, HR, customer service what have you Ive gone through them all giving proof of documentation just to be given the run around of no solution so now Im taking bigger steps to get this resolved and then sum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint narrative:
They contacted me in XXXX saying I owe this debt. Then they sent a letter. This is not correct. They posted to my credit report in XXXX yet didnt contact me till XXXX charging interest on an invalid debt. The original company received their money on XX/XX/2023 through certified mail with a cashiers check. I have asked for a purchase agreement, original contract, and debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I previously submitted a complaint in XXXX and Wells Fargo said they could not refund me my annual fee because my credit card doesn't have a fee. This isn't true. My credit card has a {$95.00} annual fee that I want reimbursed to my credit card. They charged me a fee for this XXXXXXXX XXXX XXXX and did not provide the benefits, such as XXXX XXXX XXXX  status, despite having called them many, many times. They only provided the status recently after filing a complaint with CFPB. The entire time I had this credit card I did not have XXXX XXXX which I should have and even though they charged me via an annual fee for this benefit. I want my annual fee refunded back to my credit card otherwise I will move this to the next level and file an investigation with the Office of the Comptroller. Other people have had the same thing happen as well and they seem to not want to rectify it and they still haven't provided status. I can see why they receive an F from the XXXX XXXX XXXX. Seems like unscrupulous banking practices 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: U.S. BANCORP
State: CA

Complaint narrative:
My complaint is against US Bank. On XX/XX/XXXX I was the victim of banking fraud. I immediately called the US Bank Fraud Department to stop the transactions that were taking place. On XX/XX/XXXX I submitted documents and a description of what happened. 
( below is a copy of the information I sent to US Bank ) Dear XXXX XXXX, I have already emailed ( 2 ) two Affidavits of Unauthorized Paper Debits to the XXXX email address provided. The affidavits are for two checks supposedly presented in Washington state. 
No check numbers were provided only transaction numbers that I have noted ( I have attached copies here as well ) I have another concern regarding the electronic funds fraud that I experienced. 

In my savings account ending in XXXX, there was an " Assisted Telephone Transfer '' for {$5000.00}. Plus two " Customer Withdrawals ''. One for {$1800.00} the other for {$1700.00}. My concern is how do I reclaim these funds? 

In my savings account ending in XXXX, there was a '' Transfer '' for {$3000.00}. Plus two " Customer Withdrawals ''. One for XXXX the other for {$2000.00}. My concern is how do I reclaim these funds? 
I am deeply concerned that I will not have access to these funds for a long period of time. 

What is the claim process for the electronic funds fraud? 
I would like to file claims for my funds as soon as possible. 

As of today, XX/XX/XXXX this issue has not been resolved and the funds that were stolen from my accounts have not been returned to me. 

I have been in constant communication with the local branch manager but he has not been able to help me to resolve this fraud. 

If your organization is not able to help with my situation, would you please direct me to the government agency that may be able to help. 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 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
My loan got transferred from XXXX to RoundPoint Mortgage Servicing on XX/XX/XXXX. A week or 2 before our mortgage was coming due, I logged into my account on the RoundPoint website and noticed my autopay was showing as not set up and it wouldn't let me set it up. So to make sure I didn't default on my loan, I set up a good faith 1 time payment to cover my mortgage. Unbeknownst to me, my autopay got transferred to my new account at RoundPoint and my mortgage ended up being billed twice, 1 of those payments failed, and I received a letter for a {$30.00} charge for insufficient funds. On XX/XX/XXXX or XXXX, I called to speak to a rep and he said I could not get a waiver for this fee because it wasn't RoundPoint 's fault. BUT IT WAS! I tried to make a payment in good faith so we wouldn't default on the loan and now I have to pay an extra {$30.00} because the RoundPoint website was not correct. 

After getting off the phone with the rep, I then logged on to see if that {$30.00} charge would be included on my next payment and sure enough, there was nothing on the website showing I owed a {$30.00} fee so I AGAIN had to take time out of my day to call and ask if it would be included in my next mortgage payment and the rep confirmed it would. If I didn't do that, I would not have put enough money in my account to cover that fee and would have ANOTHER fee tacked on to my account. 

The RoundPoint is in no way taking responsibility for their website being inaccurate and completely misleading. All we wanted was a 1 time fee waiver and I got told that this was in no way RoundPoints fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I believe this debt is fraudulent as this collection agency Contract Callers Inc has NOT and CAN NOT provide any documents to support their claim that I owe them a debt. On XX/XX/2024 I submitted a complaint to the cfpb about this issue and I had asked them to send me proof or evidence that they have sent me or given me an opportunity to dispute the debt before it being reported on my consumer reports. However they have admitted that they did not send it via certified mail so I did not receive it. Additionally they stated that they can verify it through the post office BUT this is just hearsay as they have also sent it to an address that is NOT mine. Lastly, they claim that they gain this debt from another creditor, pursuant to Uniform Commercial Code Article 3-203 that would be considered a transferred instrument and unless I endorse that instrument I am NOT liable. This means that they will need proof that I endorsed this instrument with their agency after it was transferred, so I am also requesting proof of that. I demand that this company send me all validating and verifying information that I requested in the attached letter that I have sent previously ( they did not provide this information thus proving their clear FDCPA violation ). If this matter continues, I will seek legal action as this agency is practicing unfair, deceptive, false and misleading debt collection practices which directly opposes the procedures of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received a forwarded notice via mail from XXXX XXXX XXXX XXXX back in mid XXXX. I responded via mail five different times disputing the account and asking for documents, yet received no response. I called XXXX XXXX, I gave them the notice information and explained that I was a XXXX XXXX XXXX XXXX for 13 weeks, and had visited their XXXX XXXX once in XXXX during working hours for a work related visit. However, I had insurance the entire time so there should be no bill. They said they had no record of an account associated with me so to ignore the notice. 

XX/XX/XXXX, there is a collection for an account from XXXX XXXX XXXX by California Business Bureau for {$8300.00}. I never received a notice from any creditor via mail, email, nor call, attempting to collect any debt or attempting to validate the debt before reporting it to the credit bureaus. XX/XX/XXXX, I dispute account via XXXX and it resulted in just a update but no documents were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: U.S. BANCORP
State: CT

Complaint narrative:
Since XXXX  I have been disputing this debt, and XXXX has been silent. I have never received any information regarding the debt and then they sued me for it. In negotiations with their attorney I paid the debt in full in exchange for it to be removed from my credit report. They dropped the lawsuit and only removed it from my XXXX  credit report but left it on my XXXX  and XXXX credit report. I simply want it removed from all my credit reports and the agreement I made with their attorney to be upheld. I disputed this multiple times 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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