vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am writing to dispute a charge of {$29.00} to my Wells Fargo XXXX  Credit Card XXXX on XX/XX/XXXX. The charge is in error because the due date is the XXXX of each month. Over the last 3 months, the Wells Fargo website has been deceptive and misleading after changes to new XXXX  Checking accounts are required to be open. How is it late on the XXXX if it's due on the XXXX? Mere stealing and price gouging from senior citizens. I spoke to a Wells Fargo employee on Monday, XX/XX/XXXX, Wells Fargo informed me my account was late and I needed to pay {$210.00}. What! I said -- this is a fraud! I couldnt be behind {$210.00}. My usual payment is XXXX dollars. I DID NOT AUTOPAY. I paid {$91.00} by clicking on Set up AUTOPAY! WELLS FARGO IS DEFRAUDING THE PUBLIC BY HAVING A SELECTION TO SET UP AUTOPAY- which IT AUTOMATIC MAKE PAYMENTS ONLY without CANCELATION! -IT DOES NOT CONFIRM AUTOPAY IS SET UP GIVING THE LEAD FOR WELLS FARGO TO CONTINUE MISLEAD THE PUBLIC WITH DECEPTIVE GOVERNMENT BAD BUSINESS PRACTICE! I tried again to set up AUTOPAY, IT TOOK {$120.00} THIS TIME WITHOUT CANCELATION AND NO AUTOPAY SET UP CONFIRMATION!

Fraud fraud fraud. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the SCREEN screenshot of the LATE PAYMENT on XX/XX/XXXX, AND XXXX ATTEMPT TO SET UP AUTO PAYMENTS BUT GOT {$210.00} DECUCTION FROM MY CHECKING ACCOUNT. {$210.00} WAS NOT DUE UNTIL XX/XX/XXXX! 
copies of SCREEN SHOTS supporting my position and experience. Please correct the error on my account promptly.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-18 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: OH

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.

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 2024-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This letter serves as a follow-up to my previous dispute letter regarding the charge-off account associated with [ # XXXX ], which I originally sent on [ XX/XX/year> ]. In my initial dispute, I outlined several specific requests for documentation to validate the accuracy and legality of this account 's reporting. Despite your response, the documentation provided does not fully satisfy my requests, as it lacks the required comprehensive details outlined in my initial letter. 
To reiterate, I am requesting the following documents and information to ensure a proper and thorough reinvestigation of my dispute : 1. Authenticated Double-Entry Accounting Records I requested full double-entry accounting records, including a detailed breakdown showing all debits and credits for this account, in compliance with standard accounting principles. Please ensure that the documentation provided includes authenticated evidence of this account 's debt validation.

2. Authenticated Evidence Based on [ State Name ] Law As mentioned in my original letter, I require authenticated evidence of your legal right to report and collect this debt, including original signed contracts or agreements proving my obligation to pay. This request also includes compliance with the [ State Consumer Debt Collection Law/Act, with citation if available ].

3. Permissible Purpose and Reporting Status Verification Verification of your permissible purpose for reporting this account is necessary, as well as clarification of the current reporting status. This documentation should demonstrate your ongoing legal right to report and collect this debt.

4. Documentation of Debt Securitization I request confirmation on whether this debt has been securitized or transferred to another entity, and if so, documentation that clarifies your continued right to collect and report on this debt. 5. 1099-C Form Request If the debt has been fo
rgiven, canceled, or settled for less than the full balance, I request a copy of the 1099-C form filed with the IRS, as required for cancellations of {$600.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: UT

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : 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 2024-12-18 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: FL

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is violating my rights by continuing to report inaccurate information to my consumer report the other XXXX agencies have removed the information XXXX is refusing to uphold its legal obligation and I demand that all inquiries and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all be deleted immediately from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My electrician sent me a bill, I paid it with my credit card and a few minutes later I got a call from my electrician saying I should pay with a check instead to avoid the 4 % surcharge for using credit card. So I then paid with a check. Electrician told me to call the card company to get a chargeback for the credit card payment. 

I called my credit card company ( Capital One ) a few minutes after the charge, and explained the situation, they said to wait for the transaction to go through because it was still listed as pending. I called again a few days later when it was no longer pending. They opened a dispute that is has now become unresolvable. The credit card company is refusing to do a chargeback. I have a huge charge sitting on my credit card. I wasted hours getting the email from the electrician telling me to get a chargeback, the paid invoice I got from the electrician, copies of the endorsed check ( front and back ) and they are still refusing to do a chargeback, telling me I need to show my bank account statements and every time I call they are asking for more and more paperwork for what should have been a five minute chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OLD NATIONAL BANCORP
State: KY

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. Upon reviewing my credit report from [ name of credit reporting agency, e.g., XXXX, XXXX, XXXX ] on [ date ], I noticed inquiries that I did not authorize. These inquiries negatively impact my credit score and overall creditworthiness.

I did not provide consent for these entities to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only occur with my express authorization or for permissible purposes as outlined in the Act. 

I request that the CFPB investigate these unauthorized inquiries and take appropriate action, including directing the credit reporting agencies to remove these inquiries from my credit file and addressing any violations by the entities that made the inquiries.

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
My credit limit was reduced from {$1400.00} to {$820.00} because I utilized credit on other accounts and my minimum payment was not to the company 's liking. They may have included the " payment '' of {$14.00} which was really just me redeeming my " reward points '' for a statement credit. I have never been late on this or any of my revolving accounts in over 8 years and " their interpretation of my future performance '' is unsatisfactory. 
My account was opened in XXXX of XXXX. From XXXX to XXXX of XXXX  I made small payments of at least the minimum required on my account. in XXXX of XXXX, I paid my balance of {$1300.00} in full. I maintained a XXXX balance until XXXX when I purchased XXXX  presents and set up a payment plan for XXXX  bills which auto deduct from this account. On XX/XX/XXXX of XXXX, having still made all payments on all bills on time and never being late, my current balance was {$780.00} and the company cut my credit limit to {$820.00} ( so they could leave room for their interest charge ) due to me utilizing my card and their intuition that I would not be able to pay it. 
I called and spoke with a representative because I was given zero notice from the company ( even though they would bounce one of my XXXX  payments ) and was only made aware by a credit monitoring service I utilize. She read the letter they intended to send with the reasons for cutting my credit limit. Once I stated I was going to file a CFPB complaint, she stated she could " have them take another look at it '' since I disagreed with their findings however it would take 60 days to look at it and then they would mail me their findings afterward. 
I want my original credit limit reinstated as that was what I was given when I signed up. These businesses can not cut your credit limit to your current balance and then claim we are a risk because we are at our new max balance, which will also further reduce our credit scores.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX XXXX please remove and block this information from my credit report within 4 business days pursuant section 605c of the fair credit reporting act

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are lice
nsed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In short i had to file a complaint with goldman sachs over some apple charges that were fraudlulent. In the process i think the company got scared because they refunded me my money which is all i wanted in the first place. On XX/XX/XXXX i had a ton of charges go back on my card and i was told they were provisional reversals because the company had refunded me. That was fine, i was happy the company accepted responsibility and refunded my money. On this same date i literally requested with a senior agent to verify that all cases were closed, that my balance was correct and i would not have any other issues with this. She stated that is correct XXXX. I thanked her and said good job Goldman Sachs. That was the end of the conversation. Fast forward to XX/XX/XXXX i start seeing this charges pop up on my phone totaling around XXXX/XXXX dollars. Again i text in and this time i get someone who did not understand the issue so i told XXXX to give me the number to the bank so i could call in. I called in and spoke to a nice gentleman who listened and went over everything with me, he then said he would need to connect me with the correct department so i spoke to fraud again and told them i wanted to dispute every reversal of provisional credits that happened on XX/XX/XXXX. She said she would get this done, i also asked her how i could send in my evidence and shes told me i would receive and email which i never did. I only got something saying there was a dispute for a XXXX charge. i don't even know what that is. i am disputing the provisional chargebacks today in the amount of XXXX not a XXXX charge. I will attach a screenshot of the conversation i had with the rep from start to beginning. You will see at the end of this conversation where she stated what my final balance is. If this is a mistake on the part of XXXX then that is on them not me. At this poing i have been lied to regardless of the situation and my account balance is not what i was told it is supposed to be. Please find attached where i verified with XXXX via TEXT CHAT initially

Company response to consumer: Closed with explanation