vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Small Business closed our business cards on XXXX without my permission or consent. I reached out to ask why and was told " our business was sold. '' I informed the WFSB supervisor that this was not true and to restore our cards immediately as we and our employees need the cards for daily business. 

Later in the afternoon, per the request from WFSB, I faxed a document requesting that the accounts be reopened and stated that the business had not been sold. I also requested that WFSB provide the documentation that stated that our business had been sold.

This morning I received an email from WFSB saying that they would not reopen the accounts. This is very stressful and a huge problem for us. Bills need to paid and products/supplies need to be purchased. 

It is highly likely that the person who sent the email this morning has not received or looked at the fax that was sent yesterday per the WFSB representatives request. Communication within this group is terrible as evidenced by this situation. ( From my previous experience it takes weeks for WFSB to read and enter a fax. )

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 2023-09-13 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: NY

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 explanation
Consumer complaint received 2023-09-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 2023-09-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
I called XXXXXXXX XXXX  3 years after moving out asking about my deposit. Before moving out in XX/XX/XXXXXXXX  I was helped by a lady named of XXXX XXXX who helped me out in the moving process. I left all my new information with her liked she asked me to for when they cut my deposit check she would forward it to my new address, and NEVER received it. XX/XX/XXXXXXXX  I contacted XXXX XXXX asking about my deposit check the guy was rude and asked me for my information when I asked if he could verify the charges. He said someone from the office would contact me. Instead of someone from XXXX Two weeks later I see a collection from KIMBALL TIREY & ST J ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) for the amount of {$210.00}. Date Opened XXXX. I emailed XXXX XXXX in XXXX to find out that she no longer works there also tried to contact the manager and he is not there either as of XX/XX/XXXXXXXX   no response from anyone, but these credit ppl. The two people that can verify I don't owe this debt that XXXX owe me my deposit. I have been told by other residents that this has happened to others also. I would like this removed from my report. XXXX has deleted it XXXX and XXXX has not. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Hello, Yes, I got a XXXX XXXX XXXX  and I was making the payments on time and when they increased my limit, I was using the credit card thinking I could pay it off I went through the hardship program trying to get help and time to pay it off. Unfortunately, I wasn't able to, and the debt got sent to a collection agency called XXXX XXXX XXXX and they kept sending me notices even after I moved, they found out where I lived and continue to send notices through XXXX. Upon yesterday I received a letter from ANDREU, PALMA, LAVIN & SOLUTIONS, PLLC stating that I have a violation notice stating that I owe {$1500.00} and I am thinking I could get in trouble and because I am on a fixed income, I don't know how I am going to pay what they say I owe. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MI

Complaint narrative:
These companies have incorrect information reporting on multiple of my accounts. There is also incomplete information on my consumer reports. These errors are effecting my finances due to my credit score lowering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until XXXX along with the rest of the student loan borrowers. As you can see on the XXXX statement included, all loans were current through XX/XX/2023. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by XXXX that NO PAYMENTS ARE DUE UNTIL XX/XX/2023. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score.

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the XXXX statement showing no payments due until XX/XX/2023. 

I first contacted XXXX on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to XXXX for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at 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 2023-09-13 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a student graduating soon and had no idea there were fraudulent credit cards opened in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: UNITED CREDIT CORP. OF SOUTHAVEN
State: MD

Complaint narrative:
I have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a student graduating soon and had no idea there were fraudulent credit cards opened in my name.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2023 Wells Fargo Bank processed an unauthorized Wire Transfer of {$25000.00} out of my Savings Account and sent the funds to a personal account at XXXX XXXX. I reported this transfer to XXXX by phone and in person at their XXXX XXXX XXXX XXXX in XXXX, Oregon as a fraudulent action by persons unknown to me. The branch manager took my full report and advised me that the bank 's Fraud Detection department would conduct an investigation and recover my funds. All that subsequently happened was my account access was restricted and eventually closed. No effort by WFB to recover the funds from XXXX was made or reported to me. I made contact with XXXX XXXX by phone at ( XXXX ) XXXX on XX/XX/2023, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the funds were sent and reported that it had been tagged as having suspicious activity. The wired funds were on hold in that account. There was no request or inquiry from Wells Fargo recorded on XXXX 's Fraud Report ticket of # 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 2023-09-13 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2023-09-13 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: Chime Financial Inc
State: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried numerous times to cancel my membership with Experian but, they make it near impossible.

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 2023-09-13 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: CA

Complaint narrative:
in XXXX i took a look at my credit report, i found a couple items that are fraudulent. i contacted the credit bureaus and they instructed me to file a police report. I did everything that i was instructed to do, but they havent removed the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
First and foremost my dispute is with Amazon I had canceled XXXX  XX/XX/2022 however it appears a company this large feels that they're untouchable once I canceled it they went to another card that was on file which was my Chase Amazon XXXX XXXX they continue to charge I disputed it with my banking institution Chase who then stated they can't do anything past 118 days I then disputed it with Amazon provided them the screenshot it took me 40 minutes to finally get a hold of someone after circling throughout their website which is purposely designed to be difficult to navigate and get the answers that you need especially when it comes to canceling or anything that has to do with the Amazon XXXX aspect of it with that being said I then incurred interest charges on top of that which Chase Amazon refuses to lower this is a trifecta of issues that have happened and it's just added to it I am not here to abuse any type of system however I do not feel that I should be taking advantage of as a consumer by a multi-billion-dollar company as well as a multi-billion dollar banking Institution. 
I have found many published articles one that struck me interesting is by an underwriter to a bank who noticed Chase Amazon Amazon themself create a conundrum for their clients pretty much in the same situation that I'm dealing with more so on the interest fee and charges aspect from Chase but Amazon as well with the loopholes that they have and continuing to charge people even after they've requested cancellation and gone through the motions for cancellation of XXXX. 
In addition XXXX  promises to have things there two days or less a majority of the time that was not true so that is why XXXX did not suit me I was still waiting hence the fact that I canceled it and it wasn't until me noticing my interest charge fees even after making a double payment we're still accruing and I noticed that charge from Amazon XXXX on my Chase Amazon card I have since removed all of my cards and canceled it once again for everyone in my household once again I'm expecting all of my months refunded as well as the interest charges and fees to be waived that is the least that can happen for taking advantage of a client and using legal loopholes to do such

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a credit card by jet blue Barclay bank. I also set up a monthly withdrawal for the full amount of my spending. The last month was a special month I had a bill of over {$2.00} so I called up the bank a week before the due date, and told them not to charge me this month on my regular account, and I gave them a different account with the banking routing number and account number and told them to charge {$2300.00} instead of {$2000.00} they took the information. The next week I go to my account and I see that they charge me {$29.00} for a return fee so I called him up and told him its impossible. The account has much more money than the {$2000.00}. The bottom line is that they told me that they try to get the money out of XXXX XXXX which is the regular bank that they took it out from XXXX XXXX, so I told them why did you do that? I gave you a different account number specially this month that you should take it out from there i usually do it with other cc companies and I have no problem. He told me this is what we do we go to the regular bank. I told him but I told you you cant take it out from the regular bank, well anyway theres nobody to talk to he claims that he did the right thing, and Im telling him that I gave you a special account number where to take the money out from he says I see it but thats what we did and we are not giving you back the {$29.00}, and I think that he is not right, they should give me back the {$29.00} because the mistake is theirs. I am very annoyed at what they did. They had no right to go to XXXX XXXX after I gave him all the information from the other account where to take the money from.

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 2023-09-13 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: KEYCORP
State: FL

Complaint narrative:
I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 Key Bank N.A. XX/XX/2023 XactusXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: U.S. BANCORP
State: FL

Complaint narrative:
I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXXXX/XX/2023 XXXX Elan Financial XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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