vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
After being loyal customers of Wells Fargo for over 30 years, on XX/XX/year> we received two letters from Wells Fargo informing my wife and I that our three accounts with them ( Checking, Savings and Premier Checking ) were being closed effective XX/XX/XXXX, XXXX letters said that Wells Fargo 's decision was final.

We were beyond shocked. We have never bounced a check and have nearly perfect FICO scores. Over the years we have had millions of dollars move through our accounts from paychecks, mortgages, etc. Never have we ever had one problem. 

We immediately called the number on the letter which was signed " XXXX XXXX XXXX '' : XXXX and received absolutely no reason or basis for the account closures from the agent answering the phone. We then asked to speak to a supervisor who parroted the same thing as the initial agent - " Wells Fargo reserves the right to terminate any account at any time- supposedly this was in documents we signed with Wells Fargo- for any reason without explanation ( interesting since our our original accounts were with a bank Wells Fargo purchased, so we never signed any documents with them ). The Wells Fargo agents said just like we could go into a Wells Fargo branch and close our accounts without any reason, they also could close our accounts without any reason. 

The letter says that Wells Fargo performs ongoing reviews of all accounts to manage its risks. As part of that our accounts were deemed suitable to close. Two of our children also had their accounts closed because I was listed on those accounts when they were children ( both are since grown and living on their own ).

It seems incredible to us that they can unilaterally and unequivocally demolish us with this action. We have our Social Security checks direct deposited and XXXX XXXX payments associated with those accounts. Worst yet, my wife is on a XXXX XXXX  list and needs highly expensive medications to manage her XXXX XXXX disease.The premiums for those drugs comes out of our Wells Fargo account The XXXX  and XXXX  this has caused us is incalculable. We spent the day scrambling to create a XXXX  XXXX XXXX account and reach out to all our direct depositors/auto payees to change our banking information. 

It is hard to believe that a company which constantly thanked us for our loyalty and being such good customers finds themselves dumped. We both feel violated with no recourse, thus our reaching out to you. At the very least we expected an explanation, but were offered nothing. Wells Fargo promised to have a " manager '' call us last evening or this morning, but thus far, as of XXXX XXXX  XXXX XXXX, no such call has ever materialized. 

Hopefully you can help us understand what happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Kovo
State: CA

Complaint narrative:
Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have been making monthly payments since XXXX  without missing a single payment, and my loan amount with interest, has actually increased. As a responsible XXXX and paying over XXXX  monthly payments ( $ XXXX ) on time and never missing a payment, as my credit report will validate, I am humbly asking for this loan to be forgiven and shown as paid in full, which would help my family and I tremendously in this current economic uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots 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 2024-05-03 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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:
Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. XXXX XXXX XXXX Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
They adjusted the XXXX amount after about a dozen phone calls but they keep applying it back. This amount was a separate payment mistake from my XXXX XXXX XXXX card account ending in XXXX that was distributed through bill pay to them. I caught my mistake and called them to tell them they needed to send it back immediately to my XXXX card thru electronic payment back and on a recorded line with XXXX bank ( my bank ) the lady XXXX was on a original 3 party line when the 1 st attempt of acknowledgment had been settled. Verbally. Then Capitol One diminished their word and kept charging it back to me as a purchase. They did this to me 3 times. This began in XXXX. Now its XXXX and I am still fighting them. Absolutely ridiculous! And my bank incurs on that one. Please help me get my credibility back, fix my credit report by them making me close my good standing cards that I always pay off now making me look bad. And I would like my accounts reinstated with out any issues. Also they have been trying to add my payments that I send in as a balance instead of reducing my cards. And accused me of the system does not make electronic mistakes. So after awhile conversations got pretty heated but I also did apologize to all. But this should not be happening to me. Someone is trying to steal my information and I have been told someone has been calling in acting as me and it was not. They said I was lying about that too!. I have no reason or purpose for lying. Just want this settled. And the XXXX refunded back to XXXX card XXXX from Capitol one added back to my XXXX credit card. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX XXXX {$1600.00} } XXXX 15 U.S.C, 1681section 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 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX { {$1600.00} } XXXX 15 U.S.C, 1681section 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 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 2024-05-03 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of 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 2024-05-03 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of 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 explanation
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
Thanks for the response to the first complaint. Caine & Weiner is reporting a collection account to XXXX, XXXX and XXXX. The account number for XXXX being XXXX as having a balance of {$670.00} dollars. Account opened XXXX XXXX. The CFPB is consumer friendly outlet for complains so I will like to keep the conversation back and forward here. 

Please reply with a purchase agreement. Please reply with the original certificate of indebtedness. Please reply with proof of the required notices sent to me before you reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: MI

Complaint narrative:
After many attempts on disputing inaccuracies on my consumer report the XXXX  reporting agency claims that they verified these accounts as accurate when these companies have not investigation properly. Transunion has on the FOLLOWINGS account : XXXX XXXX # XXXXwhich states charge and has a past due balance reporting {$1300.00} XXXXthere shouldn't be a balance if the account is charge off .with the last payment made XX/XX/2020 XXXX is also reporting a chatge off with a past due balance of XXXX which should not have a balance reporting and states my last payment was XXXX XXXX XXXX with a incomplete payment chart that is missing XXXX  months of payment history. 
XXXX has an incomplete report that missing payment amount date of last activity, payment amount high credit, the date of first delinquency showing XXXXwhen XXXX  show payment made XX/XX/2020 also missing high credit and the amount balance which that it should not have a balance amount.these are all inaccurate data on my report thus has been frustrating. For these companies to lack on proper 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After many attempts on disputing inaccuracies on my consumer report the three reporting agency claims that they verified these accounts as accurate when these companies have not investigation properly. XXXX has on the FOLLOWINGS account : XXXX XXXXXXXX XXXX XXXXXXXX states charge and has a past due balance reporting {$1300.00} .there shouldn't be a balance if the account is charge off .with the last payment made XX/XX/year> Experian is also reporting a chatge off with a past due balance of XXXX which should not have a balance reporting and states my last payment was XXXX XXXX XXXX with a incomplete payment chart that is missing 2 months of payment history. 
XXXX has an incomplete report that missing payment amount date of last activity, payment amount high credit, the date of first delinquency showing XXXXXXXXwhen experian show payment made XX/XX/year> also missing high credit and the amount balance which that it should not have a balance amount.these are all inaccurate data on my report thus has been frustrating. For these companies to lack on proper 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 2024-05-03 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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