vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: Comerica
State: CA

Complaint narrative:
XXXX XXXX XXXX my XXXX is available. I went to arm my card had been cancelled. This is 8 times in 12 months. The next day I received 2 texts one asking if I changed my pin I replied no. Low card balance below XXXX XXXX The deposit was greater then XXXX XXXX Someone had illegally pulled the XXXX $ plus out of my account. Because my card had been cancelled and my pin number fraudulently changed I have been Frozen out from contacting anyone from direct express. Because this has happen so many times before I asked your service for dates times and change in protocol to prevent future abuse. I contacted the XXXX XXXX XXXX XXXX Department both then and now. I am asking for audio copies of all fraudulent acts. I want all addresses the criminals requested to send the new cards. I suffer from XXXX, XXXX and XXXX XXXX XXXX XXXX. I need my funds and sent photos of me, my id and my direct express card that I still posseded. I want them to either same day funds and card at there expense and reemburstment of all previous replacement cards. Obviously the protocol does not prevent this crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear cfpb This is a complaint about the bad behavior of wells Fargo bank using tactics to not deal with customer disputes. 

Because I have had XXXX such experiences last year, this disgusting bank will delay time, push the responsibility to the customer for not providing evidence, until the case expires and gets away with it, they will change back from the merchant, and then tell the customer that this dispute failed because you did not provide evidence, thus embezzling these funds. 

Wells Fargo bank opening fake accounts, manipulating mortgage loans, charging unjust fees, and other illegal activities. 

This time I encountered the same problem, raised a dispute again, after XXXX months of no reply, I called to inquire today, the customer service actually asked me you did not provide evidence, please tell us the information. They are going to use the same means to embezzle the funds of customers and merchants. 

I hope the authorities intervene and give a severe crackdown. 

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 2024-01-05 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  - ACCT # XXXX I do not recognize this account. Please REMOVE from my report. This account can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: UT

Complaint narrative:
A fraudulent Account was opened under AAFES/Military Star. The account was approved with a {$6500.00} credit limit and {$100.00} dollars was charged by the fraudulent person to purchase a {$100.00} gift card. 

My XXXX  number, social, date of birth and address was used to open this account to include my email address.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have an ongoing complaint with Citizens Bank, and they did respond. However, they sent a letter to an address where I do not receive mail. I spoke to Citizens Bank Consumer Loan Servicing Department on XX/XX/2024 to notify them they sent mail to an address where I do not receive mail. And worse, could get me killed.

When I submitted the original complaint to CFPB, someone from the Office of the Chairman called me. We discussed the fact that my mail
should be sent to my mailing address on file with Citizens Bank. And I was assured it would.

I shared that sending my mail to my mailing address is of utmost importance to the privacy of my physical address and to my personal safety. I shared that if my physical address becomes public, I could be found and murdered. I was assured that my mail would be sent to my XXXX XXXX XXXX 

Citizens Bank has used my XXXX XXXX to service my account for as long as I have had an account with them.

I am simply asking Citizens to not jeopardize life, to use the XXXX XXXX mailing address listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When attempting to acquire my Experian credit report from XXXX I keep receiving this error message - " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian XXXX XXXX XXXX, please mail your request to the address below using the XXXX XXXX XXXX  Request form. '' This is a violation because it is not free. If i have to mail in a request, i need to buy postage. Sending mail is not free and Experian has neglected to fix this issue for YEARS. There are many many complaints from consumers reporting the same issue online. Experian has still not fixed this issue. XXXX and XXXX provide credit reports with no issue through 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 2024-01-05 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: SC

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: GA

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 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 2024-01-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am including a copy of the letter submitted to Wells Fargo, and the response from the company for your review. 

On XX/XX/2023, I contacted Wells Fargo about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call Wells Fargo with this request to increase my credit balance, and subsequently, my XXXX XXXX. During the call, I was told that Wells Fargo would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, Wells Fargo has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to Wells Fargo on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. 

On XX/XX/XXXX, I received a response letter from Wells Fargo. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that Wells Fargo determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that Wells Fargo considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than Wells Fargo 's chosen language that a credit report " may be necessary '' is deliberately misleading if Wells Fargo 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.

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 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
Unaffiliated third party is in possession of personal information obtained without the authorization of I, with the intent to receive benefits or money. I have no contract with said party, nor was given an reasonable opportunity to opt out pursuant to 15 USC 6802 and Florida State Law, 501.705. Any further communication will result in further legal action taken pursuant to Florida 's Deceptive and Unfair Trade Practices Act, Fraudulent Practices of Florida Law Chapter 817 and the FTC act.

Debt Collector is also misrepresenting that it is affiliated of a US governmental agency of Dept. Of Treasury US Fiscal Bureau in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureaus are obligated by the FCRA to report accurate accounting. ALL credit reports must match with other reports, with XXXX being the most accurate.Said company has 4 days according to LAW to remove such items that do not match with XXXX. I am requesting TRANSUNION and XXXX to provide documentation that shows my credit report is matching my XXXX report.Said Company is liable under the SEC to follow certain rules. I will be filing form XXXX treasury omb forms to audit consumers account if this issue continues. TRANSUNION and XXXX is reporting contradicting information to what XXXX is reporting. XXXX has updated my credit file indicating that the XXXX XXXX Account on file is closed per attached documents.

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had two checking accounts with Citibank ; one for myself and the other for my XXXX  son ; no fees were associated with this account, and if they were, they were reversed/waived. 
I closed my account maybe 2-3 years ago. My sons account had a total of XXXX XXXX in it. 2-3 years later, with no activity on the account, and Citibank is added fees saying that I owe. Total now is over {$30.00}, I believe. 

I asked, when I was a customer do they close accounts due to inactivity. I was told no now I see way. 

This is a clever way to steal money from consumers. 

I asked if the elder customers experience this as well. There was no response.

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 2024-01-05 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: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: KS

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-01-06 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: GA

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. 

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

has violated my rights. Or a list of inquiries : 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 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
On Friday, XX/XX/2024, I received the following error message from payments.google.com : Your profile is under review. 
Your profile is under review. Your service is still active but some transactions may be limited. Please respond to any request for information. 

When I selected Learn More, I was redirected to support.google.com where I received the following prompt : Verify your account We were unable to verify some information in your Google Account, so we have temporarily suspended your account. Until we verify your account information and reactivate your account, you may be unable to buy things from Google or use some Google products. 

To reactivate your account, please provide the information and documents listed below. It's important that the " Email '' field contain the email address of the account that has been suspended. 

You'll need : A government-issued ID. 
A document, such as a bank statement or utility bill, showing your name and address.

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 2024-01-05 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: AZ

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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