vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo called me on XX/XX/24 to report a fraudulent charge and someone impersonating me to get my account information. They filed a claim for {$430.00}, but after months of " investigating, '' they denied it and took my money, alleging I made the purchase without providing any proof. Why did they bother alerting me to fraud if they were just going to reject my claim? 

Wells Fargo called me from their executive office today, XXXX, accusing me of either making the purchase or allowing someone else to use my card for it. Their justification? Because the scammer had my address, they consider it a legitimate transaction. But they refuse to provide proof of where it was delivered!!! My address is public knowledge and any scammer can easily gain access to this information. 

Wells Fargo refuses to provide me with the document showing proof that this fraudulent purchase was delivered to me! Or provide any proof other than a verbal statement that the merchant knew my address? And that I need to resolve it with the merchant? I DON'T EVEN KNOW WHAT THE MERCHANT IS! Why did Wells Fargo call and alert me to this fraudulent transaction, replace my debit card, and investigate the fraud only to steal this money from me? 

Wells Fargo is infamous for their crooked business practices, opening fake accounts, and prioritizing profits over customer protection. I fully expect this {$430.00} fraudulent charge to be refunded to me as federal law requires Wells Fargo to do. 

I DID NOT MAKE THIS PURCHASE NOR DID I ALLOW ANYONE TO USE MY CARD!!!!!!!!

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 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-04-09 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX 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 of 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 2024-04-09 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: PR

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital tole and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-04-09 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I

have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed. I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX CAP ONE NA Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX CARD Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Complete Department Stores XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : Sales Financing Company XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Farm And Garden Supplies And Services - non specific po box XXXX XXXX, XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired XXXX XX/XX/XXXX Business XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX : Mortgage Reporters XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-09 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: MI

Complaint narrative:
XXXX Opened : XXXX, XXXX 2022 Amount : {$1500.00} I reached out to the company and no action was taken. I filed identity theft report

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX BANK XXXX NAVY FERDAL CREDIT UNION XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have a XXXX business credit card issued by my bank. I have an advertising relationship with XXXX for services on their site. I cancelled that account in XX/XX/2024. I discovered while reconciling my statements they continued to take money out in XXXX and XXXX. Their reasoning is that I had not jumped through all of the hoops to cancel the account. I was unaware of these hoops. 

I contacted the card issuer and they said they can not stop XXXX ability to charge on my credit card, the best they can do is file a dispute. I did file the dispute. They said I would have to contact XXXX to find out why they are able to continue taking money after I cancelled my account with them. 

My concern is that I did not have the control over my credit card to decide who continues to have permission to receive payment this way. I have many other vendors ; utilities, streaming services, etc. that I use my credit card to pay with autopay. When I change credit cards I have to supply the new number to those companies for them to continue to receive payment that way. 

That wasn't the situation with XXXX. I have had to change my credit card many times over the past few years, typically due to a fraud situation. I never had to supply XXXX with the new number. They were able to continue taking the payment regardless of how my card changed. 

I don't understand how that is legal and that I don't have control of my credit card.

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 2024-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email that my account was closing on XXXX XXXX and would be receiving a cashiers check on XX/XX/24. Today XXXX XX/XX/24 I received an email that my account has extended the closure of my account until XX/XX/24. When I contacted loss prevention they seem to not be able to give me an honest answer of when is my account going to close and when I contacted Wells fargo Excutive Department, they were unaware of my account being reactivated again, As of now I am deeply in debt for not being able to pay for basic necessities for my family and myself. Wells Fargo is keeping close to {$29000.00} of my personal money.

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 2024-04-09 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-04-09 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have made several calls to Navient to determine the status of the student loan my ex spouse and I share. I am a co borrower on the loan and have been making payments for over two decades. We both are eligible for PLSF so I have been trying to obtain information about the loan status and if a forgiveness is underway and if so how will I be informed about it and or any possible reimbursement. I have called in XXXX, XXXX, XXXX and I have not had much assistance. I have an opportunity to consolidate the loan but as a co borrower I was told I can't move forward. I offered to accept the loan all together but again not resolution or discussion was entertained by Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
I am writing to file a formal complaint against transunion for inaccurately reporting my payment history. I recently obtained a copy of my credit report and discovered that it inaccurately reflects late payments on my account. Despite consistently making payments on time, my credit report incorrectly indicates that I have been late in making payments. 

The inaccurate reporting by transunion has had a detrimental impact on my credit score and financial well-being. As a responsible consumer, I have diligently made all payments on time, and it is unjust for my credit report to reflect otherwise. 

I request that the following actions be taken : 1. Immediate correction of my payment history to accurately reflect that I have never been late on any payments.

2. Investigation into the practices of experian to prevent such inaccuracies from occurring in the future.

3. Compensation for any damages incurred as a result of the inaccurate reporting, including any adverse effects on my credit score and financial opportunities.

I have attached documentation supporting my claim, including evidence of timely payments and copies of my credit reports indicating the inaccuracies. Attatched is my XXXX report that is reporting the payment history correctly. 

I appreciate your prompt attention to this matter and request that you investigate this complaint thoroughly. Please inform me of any further steps I need to take to resolve this issue. 

Thank you for your assistance in this matter.

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 2024-04-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I notice I had fraudulent accounts on my report. Please remove these accounts from my reports ; they are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report 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 explanation