vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed/Frauded by someone acting as Wells fargo 's agent on XXXX XXXX XXXX pm I received a text from Wells fargo bank fraud department asking me if I had XXXX {$2500.00} to someone. I answered no. the next text said that " A representative will be contacting you shortly ''. two minutes later someone claiming to be wells fargo Fraud department agent called and said money had been taken out from the bank and I needed to XXXX  the {$2500.00} to a XXXX agent and they will return the money to my account shortly. I questioned him if he was a wells fargo representative and said yes. I checked the number he was calling from and I confirmed that the number was the official customer service number in the back of my XXXX  card. I filed a claim XXXX minutes after he disconnected the call on XXXX XXXX received a response from Wells fargo denying my claim saying they can not money sent through XXXX. this letter was dated XXXX and I received it on XXXX XXXX. 
I have accounts at XXXX and XXXX XXXX XXXXXXXX and they would absolutory handle such a claim.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NV

Complaint narrative:
On XX/XX/XXXX I filed a dispute on for 24 charges that were made on my account. These charges are identical to previously disputed charges and all online transactions. I hadnt used my account online besides XXXX and to pay bills. When disputed I was told to wait 10 days. I also sent a written notice of dispute. When the 10 days was up I was told my claim was denied because the charges matched previous charges. However the charges that they matched are the same charges I have previously disputed. The card company has since reopened and closed my claim several times. When I ask what can be done about This because I didnt make the charges they tell me someone will contact me. No one had contacted me. The claim has been over the ten days and they open the claim and closed it when they want without providing any type of 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 explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was denied access to my account during an unauthorized claim investigation. The claims are still under investigation and Bank Of America is refusing to provide me with and have access to a temporary provisional credit by the 10th business day, in violation of Reg E. They will not let me close my account, they continue saying that the account is in " closure '' and are withholding all the money in my account indefinitely. My online banking access has been suspended, they are refusing to give me any account information.

9 out of 10 employees in EVERY DEPARTMENT I have spoken too, has never heard of Regulation E.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM NEVER LATE IN THESE ACCOUNTS.

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 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In this moment I havent received any information at all from the case

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I contacted Nelnet on XX/XX/XXXX to let them know that they are incorrectly reporting my student loans. They have reported them as included in my bankruptcy and they are NOT! I filed XXXX XXXX XXXX LAST YEAR XXXX! My accounts have been CURRENT before the XXXX. As a matter of fact, they are getting ready to be discharged due to me being 100 % pemanently XXXX XXXX XXXX They blamed the credit bureau for the mistake but XXXX is reporting the same info! They refuse to correct the situation and keep blaming the credit reporting agencies! I suffered a XXXX point loss to my XXXX report and a XXXX point drop to my XXXX report. This is unacceptable. My next step is to sue in federal court for the damages this has caused to my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a copy of my credit report XX/XX/2023, disputes investigation updated XX/XX/2023 & again XX/XX/2023 updated report after disputes investigation again with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Discharged bankruptcy & all accts included should state discharged through bankruptcy.letter attached.

Discharged bankruptcy Accts/Paid Account/Late Payments : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ( closed ) XXXX XXXXDept of Education ( in forbearance-good standing older loans transferred to this new student loan service company/ XXXX XXXX XXXX acct was paid in full due to this consolidation with XXXX XXXX 
XXXX ( closed acct ) Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed/closed if account open should be closed. 

I also read where I can get the updated report after you investigate this from tXXXX XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the re-investigation outcome to be sent to my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a credit monitoring alert this morning XX/XX/2023 from XXXX XXXX alerting me to an inquiry made on my credit by Capital One USA Bank NA on XX/XX/2023 at the address XXXX Capital One XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called Capital One Bank and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from Capital One to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am of victim identity theft and have contacted Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, XXXX and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, Bank of America # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have submitted multiple disputes with Experian regarding inaccurate credit reporting from XXXX, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as Experian shares a duty to ensure the accuracy of the information reported to it by the creditor.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$62.00}

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 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: V and H Portfolio
State: OH

Complaint narrative:
This was a pay day loan taken out. At the time I has lost my job and my checking account was closed, therefore no payments were taken out. I did not receive any follow up from the company and was not aware of the status until it recently appeared on my credit report. 

ANCE AND HUFFMAN LLC Last reported XXXX XXXX, XXXX {$2700.00} Open balance XXXXXXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OR

Complaint narrative:
I opened this bank account with KeyBank in XX/XX/XXXX. I opened it with a reward code XXXX where I should get {$200.00} if make a direct deposit of {$500.00} within 60 days. I made a sufficient direct deposit almost immediately, but never received the account bonus promotion. These things sometimes take awhile to get paid out, and i had a baby around that time so I kind of forgot about it. I finally got around to call them the past week and had a whirlwind of reasons given why i never received it. I first talked to a customer service rep ( CSR ) who told me at first I did not receive the bonus because the promotion was not attached the account. I told them it was and gave the code that was used. She then told me it was because I had an account previously with him from like 5 years ago. I told her that the terms state I must not have had an account open within the XXXX previous months of the new account opening. She agreed but then said it was because my last account was closed on XX/XX/XXXX, and the new account ( with the bonus i'm trying to receive ) was opened on XX/XX/XXXX. I told her this is wrong because i closed that previous account on XX/XX/XXXX. I then asked to transfer to a supervisor. 

The supervisor told me that I did not get this because i opened the account within the 12 month period ( as detailed above ). I was adamant to him that I closed the previous account on XX/XX/XXXX ( I keep good records on this ). He then did some research and found out that I had a conversation with a KeyBank rep in XX/XX/XXXX and there was a close account request submitted at that time, but he was not sure what happened. So he agreed to submit a exception request for me. 

The ops person called me within a couple days about this exception request. After doing some research, he said I did not get the bonus because of my previous account was not closed until XX/XX/XXXX and because the direct deposit i received was likely not payroll ( reasoning was it said 'quickbooks ' ). I told him about my previous conversation with the supervisor on the account closure date, and then told him that i could show proof that the direct deposit was in fact payroll and my company uses quickbooks. He demurred and said he would call me back later after doing more research. I got a call the next day saying the reason I did not receive the bonus was because the code was not attached to my account at opening. I told that was wrong as it certainly was, I have the code used, and even on new promotions, the code is automatically attached. I'm fairly certain KeyBank was just thinking of all possible reasons to deny me my bonus. I hung up and told him I would file a CFPB complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including XXXX, XXXX, and TransUnion, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} 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