vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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:
They said it was their policy to charge for non-WF ATM access to my account. I told them I disagreed with the propriety of this as it amount to a penalty for using another provider service as I had already paid a network fee. I said Do Not dispute the Non-WF provider 's right to make a charge for use of their network and ATM services. I felt that their policy was to discourage my obtainingservices from a competitor - especially as I already pay for their services in a monthly service charge on the account ( or if waived by minimum balance then they are using my money AND charging me an additional service fee for the Non-WF access. 

Further I sated I only use non-WF services when there are no WF ATM 's handy to my point of service. The is a machine nearby but it is 1 ) frequently out of cash or 2 ) is is ( also frequently ) out-of service for other non-explained reasons. 

They refunded the last 3 {$2.00} NWF service changes for " customer relations '' but I told them that this would not deter me from filing a complaint with the appropriate gov agency for an unfair ( and probably illegal charge under anti-trust or anti-. 
competitive practices Summary of occurances : 1. XXXX XX/XX/XXXX {$20.00} ATM withdrawl, {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX {$40.00} ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) I always give very critical consideration to each use instance of third party ATMs etc, as the Network fees are already rather high ( punatively so ) but I believe they have a right to remuneration for their network use. However I have not noticed WF is charging for the same service which I already payfor in my service expectations for WF. I am told this has been their policy for some time- my bad! However this would also qualify as " small print deception '' and rather despicable business practice ( in my opinion ). 

Looking back I find multiple charges as far as I can easily go. They have made significant income off me and obviously others and this windfall needs to be stopped. 
Crying 'caviat emptor ' does not let business off the hook for knowingly deceiving and taking unfair advantage of us all.

DAY

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 2024-01-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I submitted a dispute on XX/XX/XXXX to Northlane for numerous transactions from XX/XX/XXXX until rhe date i submitted my affidavit they informed me as well as in my other CFPB complaint it would take XXXX days to investigate and decide but Per regulation E if a company needs more than 10 business days to investigate a dispute they must issue a provisional credit until the disposition of the investigation which this company is past that time frame and has not compensated me in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. After a thorough examination, I identified multiple companies listed on my report with which I have never conducted any business. The existence of these unauthorized entries raises serious concerns about the possibility of identity theft. 

Enclosed, please find a detailed list of the companies in question and a copy of my identification for the purpose of verifying my identity. Additionally, I want to inform you that I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft incident. 

Given the urgency of this matter and its potential impact on my financial well-being, I kindly request your prompt assistance in resolving this issue. I have taken all necessary steps to report the identity theft, and I am now seeking your help in expeditiously removing these fraudulent accounts from my credit report. 

Your attention to this matter is greatly appreciated, and I believe your involvement will contribute to a swift resolution. If you require any further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your time and consideration. 

Sincerely, 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 2024-01-03 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. After a thorough examination, I identified multiple companies listed on my report with which I have never conducted any business. The existence of these unauthorized entries raises serious concerns about the possibility of identity theft. 

Enclosed, please find a detailed list of the companies in question and a copy of my identification for the purpose of verifying my identity. Additionally, I want to inform you that I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft incident. 

Given the urgency of this matter and its potential impact on my financial well-being, I kindly request your prompt assistance in resolving this issue. I have taken all necessary steps to report the identity theft, and I am now seeking your help in expeditiously removing these fraudulent accounts from my credit report. 

Your attention to this matter is greatly appreciated, and I believe your involvement will contribute to a swift resolution. If you require any further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
Attached Experian will find the " data furnishers '' response to case XXXX XXXXXXXX. 

" Alleged account furnisher '' advised that the " alleged '' account in question is hereby DELETED!!!!. 
Experian has failed to update their records to reflect. Here is the " data furnishers '' response to the disputed account based on identity theft. 

Dear XXXX XXXX, This communication is from XXXX XXXXXXXX XXXX XXXX XXXX, a debt collector, and is in response to a complaint we received from the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXXXXXX case # XXXXXXXX. We take all complaints seriously and evaluate each one on a case-by-case basis. This response was submitted to the CFPB on XX/XX/XXXX. We are in receipt of your FTC Identity Theft Report and have completed our investigation into your complaint. The account has been removed from credit reporting. We have processed a manual credit deletion. Please note that we have no control over the amount of time it will take the credit reporting agencies to update your report. If you need further assistance, you can reach us by phone by calling ( XXXX ) XXXX. We are available Monday Friday from XXXX XXXX XXXX XXXXXXXX XXXX CT. Any of our representatives will be happy to assist you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
I recieved a copy of my credit report and noticed two accounts on my credit file that i never appled for and never used. These accounts are fraud and needs to be removed from my account.

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 2024-01-03 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: TX

Complaint narrative:
I recieved a copy of my credit report and noticed two accounts on my credit file that i never appled for and never used. These accounts are fraud and needs to be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I filed a dispute on XX/XX/XXXX For {$3500.00} original date of purchase XX/XX/XXXX2023 XXXX XXXX XXXX XXXX I spent two hours on the phone yesterday to find out that the dispute is final and closed. I inquire where was the other {$810.00} that I paid on the account. I was informed that I had to pay interest. 
How is it possible for me to pay interest and all the money was credited back to my account? 
I did receive {$520.00} on XX/XX/XXXX because I asked Barclays to mail me a check. 
Ive made a total of {$1300.00} in payments on the account. 
This unfair and unethical practices by this company The owe me 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 2024-01-03 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: NV

Complaint narrative:
XXXX, XXXX, Tranunions need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, Equifax, XXXX need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report I was devastated to find a number of errors on my report. This has absolutely enraged me as I am looking to get and build credit and this gross misrepresentation of my credit is inhibiting me from being able to do so and in turn effecting my day to day life. My interest rates have skyrocketed and this is having a dismal effect on my life and ability to purchase necessities for myself and family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received XXXX AMEX digital cards via email from XXXX of my bosses for my XXXX gift. I tried purchasing items on XXXX and it was declined. I tried purchasing sneakers at XXXX and it was declined. I called up and spoke with AMEX support and they are aware of the problem and told me to keep trying at other online shops to find one that will accept it. I did find one shop and purchased a pair of jeans. I shouldnt have to do this. AMEX should state then that their electronic gift cards can not be used at most places. There is an entire thread on XXXX about this with so many disappointed people who now have worthless cards that can not be used at any major retailers. I can not use this gift card anywhere that I shop! XXXX, XXXX, XXXX, XXXX no one will accept it online and I went in person and they said absolutely. I would like to request a check in the amount of my gift cards to be sent to me please. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error 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 2024-01-03 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: SC

Complaint narrative:
I recently pulled a copy of my credit report and noticed a series of inaccuracies being reported as late payments. During the pandemic, prior to experiencing a hardship I reached out to the creditors to make an accommodation on the accounts to ensure my credit would not be impacted due to lay offs. Furnishing the late payments to my profile is in violation of 15 USC 1681 S-2 ( F ). Not only were the late payments covered by the CARES act during these periods, but I paid as agreed on the following accounts, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Further furnishing late payments is also in violation of 15 USC 1666B, specifically with XXXX account. I've reached out to the CRA ( Experian, XXXX, and XXXX ) attempting to resolve and have this information updated in XX/XX/2023 and XX/XX/2023. I requested verification and have not received a timely response. The late payments being reported are severely affecting me purchasing a home.

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 2024-01-03 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: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: OH

Complaint narrative:
Immediate Action Required : Security Breach Demands Resolution Within XXXX Hours Dear XXXX Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including FIRST PREMIER, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next XXXX hours to : * Remove any and all unauthorized accounts linked to my name. 
* Conduct a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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