vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mom passed away XX/XX/XXXX. I've been granted executor of her estate. My mom had XXXX and XXXX  which left XXXX XXXX. When trying to access her account to pay for her services, I discovered her account was {$0.00}. She sold her home in XXXX. Almost immediately, bank records shows she " XXXX  '' herself everyday until her account had no more money. I filed a dispute with capital one for over $ XXXX. Capital One simply said there were no change in login activity so there were no fraud. There's several XXXX  id numbers which I didn't know was possible without alerting the bank. I tried to explain my mom was XXXX XXXX XXXX  of the hospital from XXXX - XXXX. Most of the time on a XXXX. They could not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Contacting yall back cfbp case XXXX again I disagree with the decision Yes I need this case number Wells Fargo case number : XXXX To be reopen and investigation again I did contact the fraudulent department but they couldnt help me fix my issue please help fix my issue and this is the support case number they give me Case number XXXX I have send the statement of the issues and screenshot of the issues to XXXX I am attempting to restore my XXXX account, but I'm unable to use my phone number XXXX or my email address XXXX for enrollment. Please unblock both the phone number and the email so I can proceed with the registration. I've attached a screenshot detailing the issues I'm experiencing. Thank you for your assistance or automatically enroll the email XXXX and phone number XXXX for me into account number XXXX if yall cant unblock the email or phone number or automatically enroll it for me please tell me what bank blocked the email and online number and username is XXXX etc.

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 2024-12-30 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: CA

Complaint narrative:
I requested that my dispute denial be appealed. I provided supporting documentation on XX/XX/XXXX showing that the company was dishonest about their services and algorithm as well as their refund policy. Wells Fargo has once again denied my claim after ONE DAY of investigating, which I find to be insufficient considering the amount of my dispute. I'm requesting that my denial be reversed and all funds credited to me 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 2024-12-30 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: MA

Complaint narrative:
I recently received a copy of my credit and noticed fraudulent accounts in my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-12-30 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: FL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-30 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: FL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-30 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: SC

Complaint narrative:
Since XX/XX/year>, I've had multiple attempts, both successful and unsuccessful, to open a credit card under my name-specifically XXXX XXXX XXXX XXXX XXXX is aware of this. 
I also had my bank debit card number stolen to use to buy a phone from the XXXX XXXX on XX/XX/year>. 
Someone has attempted to change my mailing address and phone number. This is my correct info for the past 7 yrs : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX I do NOT have a California address or phone number at all, nor have I ever. This keeps showing up on all of my credit reports, and it needs to be corrected.

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 2024-12-30 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: SC

Complaint narrative:
Since XX/XX/year>, I've had multiple attempts, both successful and unsuccessful, to open a credit card under my name-specifically XXXX XXXX XXXX XXXX XXXX is aware of this. 
I also had my bank debit card number stolen to use to buy a phone from the XXXX XXXX on XX/XX/year>. 
Someone has attempted to change my mailing address and phone number. This is my correct info for the past 7 yrs : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX I do NOT have a California address or phone number at all, nor have I ever. This keeps showing up on all of my credit reports, and it needs to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
Since XX/XX/year>, I've had multiple attempts, both successful and unsuccessful, to open a credit card under my name-specifically XXXX XXXX XXXX XXXX XXXX is aware of this. 
I also had my bank debit card number stolen to use to buy a phone from the XXXX XXXX on XX/XX/year>. 
Someone has attempted to change my mailing address and phone number. This is my correct info for the past 7 yrs : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX I do NOT have a California address or phone number at all, nor have I ever. This keeps showing up on all of my credit reports, and it needs to be corrected.

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 2024-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
Subject : Complaint Regarding Expired Gift Card and Inactivity Fees XXXX  To Whom It May Concern, I am writing to file a formal complaint regarding the expiration and fees associated with a gift card issued by MyPrepaidCenter.com. This card was provided to me as a gift from the parents of my students and has caused significant frustration due to unclear policies and improper fee deductions. The gift card was issued to me in or around XXXX of XXXX. 

Here are the key issues I have encountered : 1. Customer Service Issues : The customer service number provided does not offer clear options for requesting a replacement card or addressing expired cards. This makes it nearly impossible to resolve issues or seek assistance in a timely manner.

2. Website Navigation and Terms & Conditions : The website is poorly designed and difficult to navigate.
Finding the terms and conditions specific to my gift card was a frustrating experience. The lack of transparency regarding inactivity fees and expiration policies adds to this concern.

3. Improper Deduction of Funds : The original balance of the gift card was supposed to be {$750.00}, but I only received {$570.00}. This discrepancy is due to an inactivity fee, even though the card had not been inactive for even close to a year. The deduction appears to violate the CARD Act, which prohibits inactivity fees within the first 12 months unless explicitly disclosed. 4. Improper Expiration Timeline : The gift card expired in less than a year from the time I received it. As a XXXX XXXX resident, I understand that gift ca
rd funds should remain valid for at least five years under XXXX law. The companys practices appear to violate these consumer protections.

5. Company Information : The gift card was issued by XXXX, and the lack of support from their customer service team has left me with no resolution.

I am deeply disappointed with this experience and believe these actions violate both state and federal consumer protection laws, particularly regarding the expiration of funds and excessive fees. 


Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  # XXXX date opened XX/XX/XXXX bal. {$3700.00}, Pref lease Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXXt # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$3700.00}, Pref lease Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$1200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-12-30 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: MO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-30 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: MO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX {$910.00} was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX XXXX XXXX {$910.00} Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My data was exposed with recent leaks under 15 U.S.C. 1681 FCRA and right to privacy I would like all negative accounts removed from my credit reports from experian, XXXX XXXX, and XXXX. I have been reaching out to all debt agencys and credit agencies involved with no resolution.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

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