vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, Wells Fargo closed a {$300.00} dollar account for no apparent reason. I have received about 10 letters every month stating they will be in touch within 10 Days with no resolution or respo

nse via phone. I have mailed letters to WF to address this concern. This is the 2nd or 3rd tim
e I have reported this issue to CFPB with no response from you. 

I am appalled to say the least! I need to understand why Wells Fargo Bank is " managing their risk with my name '' Why are they " associating '' any risk with my account! 

I spoke to XXXX at the Executive Offices today to learn they are not able to " escalate this '' any further but provided no explanation as to why. She stated WF had to " manage their risk '' and " associated '' this {$300.00} dollar account with XXXX XXXX XXXX in XXXX, CA as a RISK! 

I am asking CFPB to address this. I will not stop seeking for support until there a better understanding of the issue, period. 

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 explanation
Consumer complaint received 2024-04-17 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 2024-04-17 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 2024-04-17 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: CA

Complaint narrative:
I have had a security freeze with Experian for years. I temporarily lifted it on XX/XX/2024. I was denied credit with Experian listed on the denial letter, so I wanted to log in to put a new security freeze on my account and get a free credit report. My account credentials that I used for years no longer working, I tried retrieving my username and or reset my password. I was asked for my date of birth and social security number, the system rejected the info on 2 attempts saying the info did not match. 

I called the company and after waiting 30 minutes spoke with someone who barely spoke XXXX who informed me there was no account on file for me. At this point I'm worried. Is somehow else using my account with my DOB and SS? 

Has someone hacked my account on Experian, and somehow has my SSN linked to a different birthday? 

Can you suggest a way I can get my credit report from Experian and put a security freeze on my account? How do I know someone else is not using my account since apparently my DOB and SS do not seem to work with Experian to reset password or retrieve username? 

Thank you, 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Marlette Funding, LLC
State: NJ

Complaint narrative:
I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last XXXX  months of billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. Fifth Third Bank has a fraudulent auto loan reporting to my consumer report. They provided me with the original loan contract which has invalid information, the address is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature and did a terrible job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
I submitted dispute through Transunion via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974 and 15 U.S.C 1681E since other consumer reporting agencies has reviewed and removed some of the accounts mentioned earlier. I have attached some documents from my most recent consumer reports from Transunion and XXXX highlighting the discrepancies.

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 2024-04-17 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: CBC Companies, Inc.
State: AR

Complaint narrative:
I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. XXXX XXXX XXXX  has a fraudulent auto loan reporting to my consumer report. They provided me with the original loan contract which has invalid information, the address is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature and did a terrible job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I called the lender and requested that they remove the late payment due to XXXX from my credit report. My state had at the time shelter in place, at the time of the missed payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Sigue Corp.
State: TX

Complaint narrative:
Sigue started having issues with international banks and clients were sending money via their program. The money sent was being cancelled by the banks or sigue themselves. Sigue did not issue a refund to our account. They owe us {$2700.00} dollars. When we spoke with multiple representatives about 3 months ago, they stated a check was mailed with the amount owed. The check as never received. No one responds on any of the phone numbers available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: PA

Complaint narrative:
I am writing to bring to your attention a matter regarding the denial of securities by XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). Recently, I submitted a registered security to XXXX, as per their requirements. However, my application was denied based on information provided by Experian. It is pertinent to note that this denial occurred despite my XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX which should not be grounds for refusal of access to my securities. I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. 

This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Experian. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial.

Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.

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 2024-04-17 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: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 

XXXX XXXX : opened XXXX XXXX, 2023 CAPITAL XXXX : Account number XXXX CAPITAL XXXX : Fraudulent Charges {$2900.00}

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 2024-04-17 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : My only request is that you delete that bankruptcy from my report for the following reasons : According to 15 USC 1681 ( a ) ( 4 ), 15 USC 1692 ( a ), and 15 USC 1681 ( b ) ( 2 ) You have used an abused practice to violate my ( the consumer ) right to privacy by reporting to an agency ( ies ) or third party, a public record which you were not given permission purpose to report or furnish and that report was not furnished due to a response to the order of a court, written instructions from me ( the consumer to whom it relates ) and/or any other reason within 15 USC 1681 ( b ) ( 2 ). Neither have you provided an investigative consumer report that proves you have not used public information to report or furnish my ( the consumer ) information to other reporting agencies or third parties. Lastly, you furnished that report that was not used or helpful for obtaining credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under 15 USC 1681 ( b ) This letter is my final communication in regarding the unlawful entry of a bankruptcy through XXXX XXXX XXXX ARKANSAS At his time take action and delete your unlawful entry ( XXXX ) from my ( the consumer ) report. Failure to delete satisfactorily within XXXX  days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Right to privacy XXXX. ) Permission Purpose XXXX. ) Investigative Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AR XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2024-04-17 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
TRANSWORLD SYSTEMS INC has yet to provide requested documentation. A statement isnt valid debt validation. I am requesting again 1. Purchase agreement between TRANSWORLD SYSTEMS INC and XXXX XXXX 2. I also have yet to see any signature of my name on paper with XXXX  or TRANSWORLD SYSTEMS INC If unable to provide this information I demand this account be removed from my credit 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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Paid XXXX XXXX settled for $ XXXX paid and have proof of payment Then sold to XXXX XXXX on XX/XX/XXXX for original amount of XXXX with no notation of payment/settlement Now sold to Capio group on XX/XX/XXXX for same XXXX XXXX  is also trying to collect on the same amount again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to resolve this issue in XXXX of XXXX in writing with no luck. 3 payments of {$330.00} were made/posted in XXXX of XXXX ; 2 payments on XX/XX/XXXX received on the same day ( interest charged {$20.00} & {$100.00} ) a 3rd payment on XX/XX/XXXX ( interest {$23.00} ). An attorney informed me that because ( 2 ) payments were received on the same day BMO should not have charged me twice with interest. Original loan was 72 months ; this account was closed against my will or primission. I continued to deposit approx. {$330.00}. a month into my BMO account. I forgot about the taken interest payments until I received a survey from BMO bank and I responed with a low score. I received a phone call as to why the low score and I explained my story of double dip intrest charge taken. I was told nothing could be done about this because the account was closed. I withdrew my funds from BMO ( {$5900.00} ). The survey was a reminder of the negligence on my account by BMO. BMO took my interest payment and the availability for me to accure interest on my investment. So I removed my investment from BMO. I am willing to use the accounts again if BMO is willing to make good with what they did, if not Im now good with what I did.

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 2024-04-17 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: FL

Complaint narrative:
On XX/XX/2024 I sent a certified letter to the credit bureaus certified number is : EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/2024 XXXX sent a second certified letter XXXX the credit bureau XXXX certified number is : EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX was still conducting their investigation from XXXX. 

The credit bureaus stated account name and account number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NATLCRSYS- XXXX was properly investigation XXXX but how is that possible? If the open date is an accurate, the date less active is an accurate end date last report it is not accurate. This is grounds for removal. They also are violating my rights under 15 U.S.C 1681 section 604A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.

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 2024-04-17 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
ALLY FINANCIAL I did not authorize this inquiry. They did not provide any signed documents that I am allowing them to run my 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On my credit, it says this account was charged off in XXXX and it wasn't that is very incorrect. These guys keep updating my information incorrectly. This has been going on for months and months. This is my third complaint they only reached out one time and It was just to confirm that I made a complaint, they are reporting late payment history but that is unethical to the simple fact this account was already a charge off, so how can any more payments be reported after that date? It's because they keep changing the date on my credit report and so I need this account removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NM

Complaint narrative:
I called the lender and requested that they remove the late payment due to XXXX from my credit report. My state had at the time shelter in place, at the time of the missed payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track.

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