vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, while on vacation in XXXX XXXX, my wallet was stolen from my purse inside the wallet was a Wells Fargo debit card, my sons Wells Fargo credit card and other items that One would typically keep in a wallet. Upon realizing that the card was gone, Wells Fargo was immediately notified that the card had been stolen. The charges were denied by me ate particularly disturbing because theres a series of charges for a jewelry store for {$10.00}. In addition, whoever took the wallet use my sons credit card Wells Fargo credit card at the same jewelry store. The following day that card was immediately canceled as well. Well but the charges still got pushed through by Wells Fargo. Theres about XXXX of them which shouldve alerted Wells Fargo that there was a problem with the card. I have tried two times, to submit a claim they did close the card and send a new card. However they continue to deny the claim they say that we used a person authorized by us. I believe the problem had to do with a debit withdrawal but Im sure youre aware that fraud is very sophisticated these days and people have ways to use a debit or credit card at an ATM, I really need help with Wells Fargo regarding this because in good faith I notified them immediately. I dont know how they contacted people in XXXX or if they even did I think they are just denying the claim. Ive been a loyal Wells Fargo customer for years and they are not giving the support that they should give. I even told them if they had a problem with the debit card withdrawals to remove those and just reimburse us for the other purchases which we did not make but they continue to deny the charge please help.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I would like to unfreeze my credit report because I am in the process of opening a new savings account. As part of their standard procedures, financial institutions often perform a credit report review to verify identity and assess eligibility. By temporarily unfreezing my report, I am allowing the bank to complete these verification steps without delay, which will help me establish the account and take an important step toward building my savings and achieving financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Westlake Services, LLC
State: GA

Complaint narrative:
I noticed an inquiry from your company that I do not recognize. Please send me all information including your reason for this pull

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 2024-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I had XXXX XXXX  to give me an estimate for new flooring. While we were discussing potential payment, I had mentioned wanting to pursue financing if we did business together, and then the sales person started asking me questions like my social, etc. I assumed it was for pre-qualification like I was told, so I answered them. Then when I said I had to think about it, it was only then that I was told he put in an application for Wells Fargo financing. I didnt realize he had applied for a credit card in my name. He also told me I could cancel without any problems if I changed my mind, but I had to sign otherwise it would be a problem for him. So I signed but I canceled the project the next day. They still opened a card in my name and it is now opened on my account and affecting my 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 non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my account on false fraudulent charges. I have asked for my funds to be returned to me totaling over $ XXXX. I need these funds to pay bills and have not been able to without borrowing money because of this. This is costing me a lot and it has been months and they have yet to return my funds 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 2024-10-29 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I, XXXX XXXX, a consumer has asked the three major credit reporting agencies to update and remove all inaccurate, and incorrect information from my credit report. I have on several occasions I requested that XXXX, Equifax, XXXX remove all negative accounts from my credit report. All three companies have refused to comply. They continue to ignore my request to correct my credit. The following accounts needs to be removed from my credit report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 
I AM REQUESTING THAT THAT THESE ACCOUNTS BE COMPLETELY REMOVED AND BLOCKED from my credit file. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

The law is clear that they must be accuracy in their reporting. According to the FCRA disputed items must be reinvestigated or delete from my credit report.

Please I am requesting that you remove all inquiries and Identity Theft from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
Upon checking my credit report this morning, I noticed some unauthorized inquiries that I cant explain. I viewed my report as I usually do, but, unexpectedly, there were inaccuracies present. I tried refreshing the page to see if it might just be a technical error, but the inquiries still showed up. I am demanding an immediate check of the documents I've submitted to prevent any more concerns on my part.

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 2024-10-29 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This inaccurate public record information is reporting on my credit report. I have no knowledge about this so please check the documents that I've sent.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Called today, XX/XX/year>, and Rep # XXXX and Rep # XXXX refused to provide me with a 1099C or the correct EIN for tax reporting.

The account is showing as " charged off '' on the credit
bureaus which means a write off to XXXX and reportable income to me. They have not provided me with a 1099C showing the account was actually charged off. Therefore, there is incorrect reporting to the credit bureaus.

The application was a collateral security in the amount of {$5100.00}. They brought the application to the Fed window and got paid. Each and every month they sold the statements as securities and got paid from the sale of them plus they got paid by collecting monthly money from me.

They closed my account without my consent.

They are in possession of contraband - ie my securities.

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 2024-10-29 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: CA

Complaint narrative:
I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
My friend XXXX XXXX added me as an authorized user to his account. My credit was frozen indefinitely with XXXX, TransUnion, and XXXX. Yet you reported a hard inquiry and debt for an account that was not mine and ruined my credit score. This information was incorrect and needs to be corrected immediately.

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 2024-10-29 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: GA

Complaint narrative:
correspondence was sent certified mail due to inaccurate reporting of information on credit report in pursuant with 15 U.S.C 1602 ( P ) ,15 U.S.C 1601 Regulation Z, 15 U.S.C 1666B. see attached

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ME

Complaint narrative:
I am writing to request continued oversight and assistance regarding an unresolved dispute involving my account ( # XXXX ) with Toyota Financial Services. Despite a previous complaint and response, the account remains inaccurately reported as a charge-off, which has significantly impacted my credit score and financial stability. 

Background : In XX/XX/XXXX, my daughters car was involved in a no-fault accident and was totaled. Toyota Financial received an insurance payment, leaving a remaining balance of {$2200.00}. In response to a letter from Toyota Financial dated XX/XX/XXXX, I established a monthly payment plan of {$190.00} with Toyota Financial on XX/XX/XXXX. I adhered to this plan and submitted payments promptly, including a payment scheduled on XX/XX/XXXX. 

However, since XX/XX/XXXX was a holiday, the payment was scheduled to clear on XX/XX/XXXX. Without warning ( no phone or email ), Toyota Financial closed the account on XX/XX/XXXX, canceled my scheduled payment, and sent the account to collections, resulting in a charge-off. Following this, I settled through XXXX XXXX Solutions on XX/XX/XXXX. Despite this, Toyota Financial has continued to report the account as charged-off, resulting in a dramatic credit score drop and limiting my financial options. 

This sequence of events, including an account closure just five business days after the scheduled payment date, is irregular and suggests a potential mishandling of my account. 

Additionally, my payment record shows timely payments prior to this incident from loan inception, reflecting my commitment to good standing with Toyota Financial I am requesting that the CFPB continue to oversee this matter to ensure Toyota Financial accurately updates the credit report for both me and my daughter, removing the charge-off status and marking the account as Paid in Full without negative remarks. I believe this continued support is crucial, given the adverse financial impact this inaccurate reporting has caused and the lack of responsiveness from Toyota Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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 consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX 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. This fraudulent, inaccurate, and false information consists of personal loan opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NV

Complaint narrative:
My credit report has listed accounts that do not appear to be mine or contain inaccurate information.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), the

verification provided lacked the necessary documentation to confirm this account belongs to me. Since I am a XXXX, I demand physical evidence linking me to this account to prevent potential errors. Below are the details of the account in question : Account Information : XXXX Account Number : XXXX ( TransUnion, XXXX ) Credit Bureaus : TransUnion, XXXX XXXX XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance : {$240.00} Credit Limit : {$1100.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor Requested Validation : A copy of the original agreement or contract bearing my signature.

Documentation verifying my involvement with this account beyond the basic details listed in the report.

If the creditor can not provide these documents, I request that this account be removed from my credit report immediately.

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Please provide a prompt response with the requested information or confirm that this account will be removed from my report. Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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