vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX check was written from my WELLS FARGO checking account ending in XXXX to XXXX XXXX ATTORNEY AT LAW for {$700.00} Check was not received by XXXX day- I asked for stop payment at which time WF told me It was not possible because check cleared.

I asked for copy of check ( by the way why does every other bank have that available? ) and they told me it would take 30 days to receive.

WHen received- it was clearly never endorsed or properly negotiated.

I asked for the funds to be replaced- they said " Too late the case is closed and it is cleared ''. 
After many arguments- they reopened the case. That was in XX/XX/2024. 
Since that time- I have not been reimbursed and have been the subject of abuse by this bank- making this MY problem. In fact they have closed this case too many times to count. I think you may have records of all the complaints. 
AT THIS JUNCTURE -- I HAVE RESENT THAT AFFIDAVIT -- PER THEIR REQUEST and to date not received any correspondence nor have funds replaced. ( XXXX XXXX ). 

THIS BANK MUST BE INVESTIGATED -- this is not a forged document -- it is internal fraud and mismanageent of my funds. 

PLEASE HELP!!!!!!!!!!!!!!!!!!!!

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone created a CAPITAL ONE Account in my Name and I did not Authorize this. I had NO KNOWLEDGE of this. I contacted CAPITAL ONE and spoke with ( XXXX ) Ladies and was given the Run Around. I spoke with ( XXXX ), ( XXXX # XXXX Fraud Supervisor ), ( XXXX-Application Department XXXX ) & ( XXXX-the one that Hung Up on me because i wouldn't give her my Social Security Number ) and ALL of them told me that they saw my Emails & Application that someone had pretended to be me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Current Employer : XXXX XXXX I have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, 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 2024-10-09 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Transunion credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Also hard inquiry XXXX XXXX XXXX inquired XXXX XXXX. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer XXXX credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint XXXX XXXXXXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.

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 2024-10-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
According to Fair Debt Collection Practices act [ 15 USC 1692 et seq ] to verify debt with " wet-ink signature signed '' Also 15 USC 1666B , a credit agency should not treat a payment on account ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) under an open and consumer plan as late payment for any purpose. 

Experian Credit Bureau has violated my privacy by not verifying debt with " wet-ink signature signed '' And also reporting a late payment on my credit report. Please see attached.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 informationisinaccurate.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 informationisinaccurate.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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 2024-10-09 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: GA

Complaint narrative:
The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, GA, XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!

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 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX PAID UP OUR MORTGAGE DO TO COVID ASSISTANCE PROGRAM UNTIL XX/XX/XXXX. XX/XX/XXXX WE ASKED FOR A REDUCTION ON OUR MORTGAGE PAYMENTS WE WERE TOLD NO BY BANK OF AMERICA, YOU HAVE TO BECOME BEHIND FIRST! BUT WE WILL SEND YOU PAPER WORK AND SEND IT BACK! AFTER 3 MONTHS GETTING BEHIND {$6600.00} ON PAYMENTS BANK OF AMERICA TOLD US SHORT SALE WE CAN NOT REDUCE YOUR PAYMENTS. I FILED A COMPLAINT WITH HUD FOR HELP DO TO DISCRIMINATING AGAINST OUR XXXX. MY HUSBAND XXXX XXXX! THEN I GOT A CALL FROM BANK OF AMERICA CUSTOMER SERVICE MANAGERS TOLD ME THIS WAS A MISTAKE ON BANK OF AMERICA AND IF I WOULD RETURN THE DOCUMENTS BACK FOR THE THIRD TIME TO BANK OF AMERICA SO WE CAN REDUCE YOUR PAYMENTS ARRANGEMENT CORRECT! I WAS TOLD TO REFAX AT ANY BANK OF AMERICA LOCATION AND I DID AND TODAY XXXX XXXX HAD A PHONE CALL FROM BANK OF AMERICA AGAIN WITH THE SAME INFORMATION SHORT SALE! NO WE CAN NOT REDUCE PAYMENTS FOR PEOPLE WITH INCOME ON SOCIAL SECURITY AND PENSIONS TOTALING {$6500.00} A MONTH WE ASKED WHY NOT BANK OF AMERICA COULD NOT AND WOULD NOT ANSWER MY QUESTION!! 
WE NEED TO GET HELP WITH XXXX DISCRIMINATION BY A BANKING INSTITUTION WE ARE TRYING TOO PREVENT FORECLOSURE 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 2024-10-09 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS ACCOUNT, THIS IS FRAUD AND WAS NEVER AUTHORIZED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
A collection agency sent an email on XX/XX/year> informing about a debt of {$370.00} which I was not aware of, since the place where that supposedly debt comes from is a XXXX XXXX XXXX in which I have not lived there for XXXX  years and I had never received a debt notification from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
About a year ago an individual was withdrawing money out of my personal and business accounts at Huntington Bank. I closed out all of my accounts at Huntington Bank and opened business and personal accounts at XXXX in XX/XX/year>. On XX/XX/year> money was withdrawn out of my personal bank account and also my XXXX XXXX XXXX phone account was hacked, and a phone line was added to my family plan. On XX/XX/year> {$7500.00} was withdrawn from my business account from a XXXX branch in XXXX, PA and my SIM card was deactivated, and a new SIM card was given to that individual at an XXXX XXXX XXXX store in XXXX, PA. The account owners email was changed and the password was changed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-09 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-09 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: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
PORTFOLIO RECOVERY wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : PORTFOLIO RECOVERY Account Number : XXXX

Company response to consumer: Closed with non-monetary relief