vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: PA

Complaint narrative:
I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

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 2023-01-20 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: PA

Complaint narrative:
I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The complaints are never resolved by the executive office or the new individuals who are assigned, We need more months to stall in the closing of my banking account and my XXXX case settlement. 

I want to know why Wells Fargo I was asked by an unknown person on a Saturday what my SS was? I replied I don't provide my SS. Wells Fargo is closed on Saturday 's This unknown became hostile in response. I received another call on the following Wednesday morning, same attitude and nasty. 
I informed her I would go to the branch near my residence. I reported the name of the Wells Fargo hostile employee. The name of the next Wells Fargo person was XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. Same attitude. I was the only person in the bank. Quite overwhelming for her to addrress my normal issues with Wells Fargo that never resolves issues, not caused by me. This woman was just as nasty when I told her I could bring in my docs for verification. She accused me of making her go through my legal docs. I informed her I would bring them in to end this ongoing activity. This person staged fights. Why is this person there? 
PLEASE RESPOND I left once again. 

The following day I tried again at the XXXXXXXX XXXX  XXXX XXXX down the street in XXXX. I brought my AZ XXXX XXXX XXXX issued Marriage License FOR THE 3RD time to send into the Executive Office. PLEASE EXPLAIN WHY MY MARRIAGE LICENSE IS NOT ACCEPTABLE? 

Why is there a continual problem that you can't establish my identity to settle my XXXX? Please explain! 

The governement needs to know your calculated abuse of me. 
Why? 

I WILL NOT OPEN UP ANOTHER CREDIT CARD WITH WELLS FARGO. 
EXPLAIN WHY MY IDENITY IS A CONCERN IN MY XXXX SETTLEMENT? 
YOU CONTINUE TO DENY ME MY RIGHTS OF IDENTITY. THIS IS THE 3RD TIME HARASSING ME, A CUSTOMER WHEN ALL LEGAL DOCUMENTS HAVE BEEN PROVIDED. THIS IS CONTINUAL HARRASSMENT? 

EXPLAIN WHY TO ME AND THE GOVERMENT. 
EXPLAIN WHY YOU SEND RESPONSES TO ME THAT YOU CAN'T ESTABLISH MY IDENTITY? 

EXPLAIN WHY THE PERSON CALLED XXXX AT THIS BRANCH DOESN'T HAVE WELLS FARGO BANKER CALLING CARDS? 

WHO IS THIS MAN? WHY DID THIS MAN TELL ME NOT TO RESPOND TO WELLS FARGO LETTERS? WHY DID THIS MAN TELL ME TO NOT ANSWER MY PHONE TO CALLS? 
ANSWER WHY HE IS HARRASSING ME? WHY IS HE FORCING ME TO OPEN UP A NEW VISA? HOW MANY ACCOUNTS HAVE BEEN OPENED UP UNDER MY NAME? 

THIS IS ABUSE!!!! 

PLEASE ANSWER TO THE CFPB AND TO ME WHY WELLS FARGO HASN'T BEEN SHUT DOWN? 
I WANT MY SETTLMENT CHECK! YOUR INTENT IS TO NEVER RESOLVE THE BANKING ISSUES YOU HAVE CREATED IN MY LIFE! 













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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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following inquires were not approved and I do not recognize the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-20 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: GA

Complaint narrative:
The following inquires were not approved and I do not recognize the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I first want to say, I am highly disappointed and in shock that I even have to file a complaint on a company I thought held the upmost respect and honor of a consumer 's right. I feel disrespected and taken advantage of by XXXX XXXXXXXX due to the illegal violations and fraud that have been done with my information and in the simple finance charge contract. Below I will list what happened and how I was violated. 

On XX/XX/2021 I was in need of a vehicle and decided to go with XXXX XXXX XXXX and got a 2021 XXXXXXXX XXXX XXXX XXXX XXXX amounting in {$73000.00}. at the time of this transaction, a down payment of {$27000.00} was due, paid with a credit card. According to, 15 U.S Code & 1644 Fraudulent authorized use of credit card, I was violated. Car insurance was demanded as well before the car off the lot. That totaled in {$3500.00}. The monthly amount for this loan came out to {$1000.00}. According to, 15 USC Code & 1605 Determination Finance Charge, I was violated. I was desperate and in need of a car so I didn't make a hassle. After some months, my finances started to deplete which caused a-lot of mental and emotional stress. This lead me therapy! This matter also led me to do thorough research on my federal consumer rights. And again I am upset at the disrespect and the false deception of this contract.

I know these violations as goes against the truth and lending act, yet on the contract it says how the obey the TILA but actual or in-compliance. They can go to jail and be prosecuted for this. It's tax fraud, its embezzlement it's flat out illegal. I am hurt and I want help ASAP! 

Attached is all the documents, arbitration starts now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Charged incorrect fees. Teller taking money & not returning it.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/XXXX of 2022, I received a call from a Bank of America number calling me to tell me that my account had been hacked and I needed to transfer my money to a " safer '' account with Bank of America via XXXX. Though it sounded somewhat suspicious to me, I could see that this person was calling from bank of America. They already had all of my information, including my name, birthday, address, and how much I had in my account. They told me to transfer {$1700.00} to them so they could then " mail me a new debit card with all of my money on it. '' After I got off the phone I questioned the validity of the call, said I called the Bank of America customer service number on the back of my debit card to confirm all of this and was told it was a scam and to file a claim. I spoke with the fraud department and filed a claim : XXXX. I received a mailed letter from Bank of America dated XX/XX/2022, saying they had completed the review and were unable to approve the claim I then received another letter dated XX/XX/2022, suggesting that I contact the person I sent the funds to even though I had made it clear in my initial call to the fraud department that the call I had received to request me to transfer funds displayed as being from Bank of America. 

After speaking once again with Bank of America and XXXX, I was told that they were unable to reconsider this type of claim. I pointed out to them that scammers have been able to figure out how to use XXXX to defraud Bank of America customers, that this scam has been happening for years, and that the US Congress has done an investigation. I asked why Bank of America and XXXX have not done more to protect their customers from this scam that has affected thousands of customers and resulted millions of dollars of losses! I informed them that we would be reporting this to the CFPB. 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 2023-01-20 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: SC

Complaint narrative:
I have contact the company and well as Equifax about some Hard Inquiries that does not believe to me. I made them aware that this is damaging my credit. 

XX/XX/XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo over charging fee and overdrafts

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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Upon checking my consumer report ( Exhibit A ), I see unauthorized and fraudulent hard inquiries from XXXX XXXX XXXX on XXXX XXXX - XXXX XXXX- and XX/XX/2022.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In mid XX/XX/2022, I was notified by my Homeowners Association ( HOA ) that three of the ACH autopays for dues ( XXXX, XXXX and XXXX ) that should have originated from my Wells Fargo ( WF ) checking account had been voided on XXXX XX/XX/2022 and therefore my account was delinquent. The HOA management is adamant that these payments of {$350.00} each, never reached its account. 

After trying to resolve the issue by telephone with WF, I made an in person appointment at the XXXX XXXX branch on XXXX XXXX to explain the situation and try to get information from WF 's side on the payee and other details of the missing payments. The banker I met said that he would try to get the appropriate details. After not hearing from the branch for several days, on XXXX XXXX I called the WF customer service toll-free number and filed a formal claim ( nr. XXXX ). XXXX, XXXX XXXX, the banker that I met on XXXX XXXX telephoned me to inform me that my claim was being followed up and I would soon have news. 

XXXX, XXXX XXXX, I checked the web page for my account and since it said that no claims were outstanding on my account I called again WF customer service who confirmed that a claim was open. They transferred me to the claims department and after a long wait, I was told that the claim was being closed because the deadline of 60 days had passed and no information is available on the transactions in question. 

I told the WF claims rep that to address their negative answer I would file a claim with the CFPB.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Someone stole my identity and open another account in my name. I spoke to one of the workers at the bank but I'm still getting emails with the bank account information, in this was in XXXX. 

My account was was charged overdraft fees excessively in 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 2023-01-20 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: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
In 2020, I bought Solar Panels for my Home after being Solicited at Home from XXXX XXXX XXXX, a Solar Company that also does Business as XXXX XXXX. I paid {$55000.00} for this and I was led to believe that these Solar Panels would Save me Money on my Electric Bill Monthly, and that I'd be able to Sell Energy Back to my City. Well in two years none of this happened at all, My Electric Company XXXX just told me this week that they not even registering my Panels. So they haven't been working for this whole two year period. Not to mention that I got a letter from The District Court of XXXX XXXX XXXX, that this company XXXX XXXX XXXX has filed for Bankruptcy! What? So now there's no company for me to get these problems resolved. They sold their financial accounts to another company called LoanPal, then LoanPal sold to Goodleap, Now Goodleap has raised my bill over {$100.00} more a month to {$350.00} a month. And on top of that, NOTHING IS WORKING, I haven't saved a Dime. Now they are in Bankruptcy and think that I'm going to continue paying for this XXXX System that No One is Accountable for now. NOT! 

Now Goodleap is calling me everyday, asking for payment, I'm NOT Making anymore payment on this with all due respect. I want this off of my Home ASAP. XXXX XXXX XXXX Sold their Accounts and I don't agree to go along with anything else, I want this contract with Goodleap Terminated Please, The Account Number XXXX XXXX XXXX. This is on my credit and I do have Excellent Credit and I feel they shouldn't be able to report this in this situation. But they don't seem to care, all they want is they money, and i'm not sending them anymore money for anything. So Please Help me put a Stop to Good Leap calling and emailing me about payments. And have them to stop this account because all of this is fraud. 

Thank You

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 non-monetary relief