vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX : ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : **** XXXX : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : **** XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX EXPERIAN ACCOUNT NAME XXXX XXXXXXXX XXXX  XXXX ACCOUNT NUMBER : **** EXPERIAN ACCOUNT NAME XXXX XXXX  ACCOUNT XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT 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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to express my deep concern and frustration regarding a disturbing incident involving Wells Fargo Bank. I discovered that a fraudulent checking account was opened under my name without my consent or knowledge, leading to a myriad of inconveniences and hardships. 

Upon reviewing my credit report in summer of 2022, I was shocked to find an unauthorized checking account listed under my name with Wells Fargo. This discovery not only came as a complete surprise but also raised serious questions about the security protocols and identity verification processes employed by your institution. 

The implications of this fraudulent activity have been far-reaching and disruptive. Firstly, the unauthorized checking account has tarnished my credit history and could potentially affect my ability to secure loans or other financial services in the future. Moreover, the fraudulent account has led to financial losses, including overdraft fees, insufficient fund charges, and potential damage to my credit score.

The inconvenience caused by this fraudulent checking account extends beyond just financial repercussions. I have been forced to spend countless hours attempting to rectify this issue, including contacting Wells Fargo 's customer service, submitting identity theft reports, and communicating with credit reporting agencies. This has resulted in significant stress and anxiety, as well as disruptions to my personal and professional life. 

Furthermore, the lack of communication and assistance from Wells Fargo throughout this ordeal has been deeply disappointing. Despite numerous attempts to resolve the issue, I have encountered delays, confusion, and a general lack of accountability from your institution. This has only exacerbated the frustration and inconvenience caused by the fraudulent checking account. 

As a victim of identity theft, I implore Wells Fargo to take immediate and decisive action to address this matter. This includes fully investigating the fraudulent account, removing it from my credit report, and implementing stricter identity verification measures to prevent similar incidents from occurring in the future. Additionally, I request compensation for any financial losses incurred as a result of this fraudulent activity. 

I trust that Wells Fargo will prioritize the resolution of this issue and take proactive steps to ensure the security and integrity of its customers ' accounts moving forward. Your prompt attention to this matter is greatly appreciated.

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 2024-05-20 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: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX  XXXX # XXXX this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for XXXX & Ok payments for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy because the payment history reflects last payment XXXX on Experian. XXXX reports it charged off 60 days late. XXXX reflects nothing. 
XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. XXXX has no payment history reporting. 

I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. 

Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. 

The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. 

I prefer to be contacted only via mail or email for any correspondence regarding this matter. 

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 explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX at Wells Fargo banking XXXX was charged XXXX overdraft for something for no reason. I spoke to a customer service rep, and they did not want to dispute the charge no action take was taken on their behalf

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 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
Zelle 's app isn't able to work properly on ios 10 or higher per customer service rep. Because of this, I am unable to access funds from a settlement through Zelle because my bank won't allow Zelle to be used because of their unwillingness to refund when scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To XXXX XXXX XXXX. 
On XX/XX/XXXX my husband purchased a Japanese sword on XXXX for {$560.00}. On XX/XX/XXXX he went back into e-bay to check if sword was mailed and get a tracking number. Nothing was done. He called sender who provided her cell number multiple times and was paid which she shouldn't have, She said she was mailing out package each time he spoke to her. Contacted Truist to get money back.There was no tracking number because she never mailed the item.XXXX was contacted also.Her name is XXXX XXXX XXXX XXXX. Item # and Order number will be provided to XXXX XX/XX/XXXX Truist was contacted regarding return of money because item was never XXXX spoke to XXXX case number XXXX. XXXX. There is also a charge for {$1.00} and {$55.00}. XXXX makes you pay a {$1.00} and will get back and then they charged us {$55.00} to speak to XXXX of their agents.who could not help us with fraud. They just hung up. We were not aware of the charge till the bill came. We are not paying either of those also. A few days later we spoke to XXXX at Truist XXXX case number. We were told that they are working on it. On XX/XX/XXXX we get a letter from Truist that the charge is valid. We called several times and said they are still working on it.They lied to us. We went to bank and that's how we found out it was closed out. Sent info to XXXX FTC and you.We are not paying these charges. We notified them in plenty of time Truist and e-bay. Truist states that if there is a fraud or scam charge on your card it will refund your card within XXXX business days per an oral conversation with Truist Bank.We have done that. We also notified the sheriff dept.

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 2024-05-20 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: MD

Complaint narrative:
Eight fraudulent charges were made using my account information on XXXX and XX/XX/XXXX and a few others were attempted. Post dates and amounts : XX/XX/XXXX : {$93.00}, XX/XX/XXXX : {$64.00}, XX/XX/XXXX : {$64.00}, XX/XX/XXXX : {$2.00}, XX/XX/XXXX : {$48.00}, XX/XX/XXXX : XXXX, XX/XX/XXXX : {$24.00}, XX/XX/XXXX : {$29.00}. Two attempted charges at XXXX XXXX in XXXX, MD were for {$250.00} and {$300.00}. There were others, but Wells Fargo claims they no longer have a record of those attempts and they could not provide me with any details. The bank contacted ME when the XXXX XXXX purchases were attempted, and I talked to Wells on the phone and identified all the fraudulent charges I did not make. On XX/XX/XXXX I received a letter from Wells stating my disputes were all denied solely because I had my card in my possession when the charges were made, further citing there is " no known technology '' that would make spoofing a physical card with my data on it possible. This I find incredibly convenient, as " shimming '' card data is a known scam, as documented on XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX ). Yes, my card has been in my and only my possession for years. The only time the data could have been shimmed was from three ATMs ( XXXX MD, XXXX NM, and XXXX WA ) or at a card reader at my dentist 's office in XXXX XXXX. 

As Wells Fargo was not going to credit back the money I've lost to this scam, I attempted to get further details about the transactions so that I could reach out to the companies where these purchases were made, and in every case, Wells Fargo was unable to provide me with details ( no timestamps are recorded for the credit card that was tapped, and therefore no security footage can be reviewed to see who swiped a fake card with my data on it ).

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 monetary relief
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted the following complaint to Experian XX/XX/24 : I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balance owed to this original creditor. Where is the information coming from?

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 2024-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I underwent an embryo transfer at the end of last year in XXXX, resulting in a {$100.00} balance in my XXXX financial account. The bill from XXXX was sent in XX/XX/XXXX, and I paid the balance on XX/XX/XXXX. Unfortunately, XXXX did not update my payment in their system and forwarded my information to AR Resources, a debt collector. 

In XX/XX/XXXX, I received the first letter from AR Resources stating that I had an outstanding balance due to XXXX. Upon receiving the letter, I immediately contacted XXXX 's financial department and spoke with XXXX to update their system and inform AR Resources that the balance had been paid. 

Despite this, on XX/XX/XXXX, AR Resources sent me another letter claiming that XXXX notified them my outstanding balance remained unpaid. This is highly irresponsible and has caused unnecessary stress and inconvenience for me. It is AR Resources ' responsibility to ensure that account balances are accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
An incorrect collection is on my credit report. I do not owe this company. I have asked for proof that I have ownership to this debt but failed to give me this information. 
XXXX XXXX XXXX XX/XX/XXXX Credence Resource XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
An incorrect collection is on my credit report. I do not owe this company. I have asked for proof that I have ownership to this debt but failed to give me this information. 
National Credit Systems XX/XX/XXXX Credence Resource XXXX XXXX National Credit Adjustment XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you require the Transunion 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. On XX/XX/year>, after not checking my credit report for over 10 years, I discovered a fraudulent, inaccurate, and false account listed under XXXXXXXX XXXX with the account number ( XXXX ). I do not recognize this account, nor did I authorize its creation or any related activity. I feel unsafe knowing that my personal information has been compromised and misused. This fraudulent account must be removed from my credit report immediately to prevent further damage and stress. Please find attached account in question as well as a copy of my consumer XXXX credit report, which shows the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that these accounts, collections, are indeed the result of identity theft and fraud. I request your urgent action to resolve this matter and block the fraudulent information as stipulated by law. Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2024-05-21 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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.

Complaint narrative:
It has been drawn out into the open that XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/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