vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo bank because on XX/XX/2023 I checked my Wells Fargo checking and saving accounts I noticed multiple unauthorized transactions. An unauthorized person was able to login into my account # XXXX and transfer a total of {$8000.00}. There was also multiple wire transfer from my saving account # 1937, {$30.00} was transferred 4 times to an unknown person, {$4600.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, and {$4800.00} to XXXX XXXX to XXXX XXXX. There was also a XXXX to XXXX XXXX in the amount of {$830.00}. The bank has closed the account due to someone having access to the account. 
I called Wells Fargo several times to open claims, never investigate the claims, and they closed the claim without investigating them. They didnt investigate to find XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , and XXXX XXXX , Instead, they try to accountable me for a total of {$28000.00}. 

I have a police report from XXXX Police Department, case # XXXX. The police report is available upon request.

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 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My problem is with Comenity Bank and/or with their debt collection practices. 

I had an XXXX Credit Card with XXXX XXXX XXXX. Late XXXX, Comenity Bank apparently took over the closed account or they took over debt collection for a closed account. But the situation was very unclear and suspicious and appeared fraudulent, because I never had an XXXX Credit Card with Comenity Bank, as they had portrayed. They refer to this account as " XXXX XXXX XXXX ''. The situation looked fraudulent to me, because it seems like some suspicious phishing scheme that does not know how to spell " community ''. 

Nonetheless, I followed the instructions and paid them the requested amount of {$150.00} on XX/XX/XXXX, following their website instructions. Documentation attached or available from my XXXX account. 

Comenity deposited the check for {$150.00} on XX/XX/XXXX. Documentation attached or available from my XXXX account. 

During this time, I also disputed this incident and the negative remarks with the Credit Reporting bureaus, like XXXX, XXXX, etc. Also, it seems like a {$150.00} amount was credited to another Comenity Card that I have with " XXXX XXXX ''. So my thinking had been that perhaps, as part of the closure of the issue with the credit score disputes, they credited the check to " XXXX XXXX '', after closing out the Debt at " XXXX Credit Card '', previously with XXXX XXXX XXXX. On XX/XX/XXXX, Comenity sent me a Refund Check of {$150.00}. I have done nothing with this check, as it seems like a " scheme '' to draw me back into debt collection and " late fees '', if I were to deposit it. 

On XX/XX/XXXX, the daily calls and emails from Comenity Bank resumed regarding " XXXX Credit Card ''. 

My concern is that I am in an endless loop of debt collection with this company, for which they will charge " late fees '' and degrade my credit score. I followed their instructions, paid {$150.00}, which they received and deposited. 

My desired outcome of this complaint is that Comenity Bank should properly account for the check that I had previously sent them, and/or otherwise, close the case of this debt. They should no longer contact me regarding this debt. Additionally, they should please close my other account with them. I want no relationship and no contact with Comenity Bank, as they seem phishy, disreputable in the handling of this matter, and they have aggressive daily phone calls, when I have previously request " stop contact ' and only communicate with me via certified mail. ( Documentation attached and/or available. ) Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 usc 1681i ( 5 ) the credit bureaus said everything was complete and accurate and I asked them how if they have yet to Verify the debt with my signed signature.

Then I asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) and they never did. I have proof my letter for that.

Also according to 15 usc 1681 s-2 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. 

This is violation after violation. This is causing me stress because I have no hope with this system. Please delete account ( XXXX ) XXXX XXXX off my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Servicing Solutions, LLC
State: GA

Complaint narrative:
I never actually refinance my car with this company but they are showing credit reporting on my fico/ XXXX account. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently just received a copy of my credit report and have noticed that you reporting me as late on an account for which I have been late. Could you please investigate this matter as soon as possible, as it is a serious issue for me and my credit score? I can assure you that I have never been late on this 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 explanation
Consumer complaint received 2023-04-02 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was looking for auto loan refinance options and applied to some companies like XXXX XXXX XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount. 

After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : XXXX. ) Pentagon FCU XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX  These hard inquiries were done on my credit WITHOUT MY CONSENT. 

When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do this.

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 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Caine and Weiner is a collection account reporting a debt that does not belong to me. The orginal creditor XXXX XXXX XXXX sold it to this company and the debt is no longer mine nor do I owe it due to the Fair Debt Collection Practices Act. 

Caine and Weiner is reporting a collection account with a balance of {$1100.00} and a past due balace of {$1100.00} which is inaccurate and a violation on this collection/charge off account. 

I have contacted them directly via certified mail twice with no response in over 60 days and they are still reporting to all credit bureaus. They can not verify the debt and violated Fair Dept Collection Practices act 15 USC1692g Sec 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The information reporting is incorrect. It is erroneous. It is reporting that there was a 30 day late. This is not the case and needs to be deleted not only is it a closed account but the uniformity of the credit card company is not reporting correctly the only company that is reporting correctly is 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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The information reporting is incorrect. It is erroneous. It is reporting that there was a 30 day late. This is not the case and needs to be deleted not only is it a closed account but the uniformity of the credit card company is not reporting correctly the only company that is reporting correctly is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Bank XXXX XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXXXXXX  XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Bank of America Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On about XXXX, XXXX I cosigned for my sons home loan through XXXX XXXXXXXX XXXX. What happened next is a nightmare. Chase Mortgage purchased the loan from XXXX XXXX failing to properly transfer the personal and contact information. This resulted in a four month delay in mortgage payments to Chase and a XXXX point negative charge against my hard earned XXXX credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 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 a account without my written instructions 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
Consumer complaint received 2023-04-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax several times since XX/XX/2023. My credit score and report will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: MO

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.

The following accounts has violated my rights : Account : XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX : # XXXX 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 a 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 2023-04-02 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: Experian Information Solutions Inc.
State: MO

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.

The following accounts has violated my rights : Account : XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX : # XXXX 1

5 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 a 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 explanation
Consumer complaint received 2023-04-02 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: GA

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. 

Account name : 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, have 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Address History : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Correct spelling XXXX XXXX XXXX This information is incorrect

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