vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
We were victims of identity theft back in XX/XX/XXXX at Wells Fargo Bank, I filed a XXXX page CFPB complaint and XXXX attachments ( case number XXXX. ) The bank sent an official reply of XX/XX/XXXX and proclaims the case is closed. ( Wells Fargo case number XXXX. ) The case is not settled and Wells Fargo should remain accountable for a cashiers check they advised they mailed to the impersonator XX/XX/XXXX ( check was dated XX/XX/XXXX ) in the amount {$1400.00}. The check was cashed and we are still awaiting the funds to be returned. 

In Wells Fargo 's XX/XX/XXXX letter they advised the claim amount checks were mailed to the address XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. I submitted a copy of the check the check was not mailed to the address they claim but to the impersonator 's address. 

The check was forged and cashed. Wells Fargo has advised they are seeking the funds from the company that cashed the check. This should be Wells Fargo 's responsibility to return the funds to us as they mailed the check to the wrong address and the check was cashed. I had called the bank on XX/XX/XXXX to confirm they had the correct address and again on XX/XX/XXXX to confirm the check was mailed. They confirmed the check was sent, but advised me it went to the impersonator 's address. When I received a copy of the forged check, I noticed the issue date was XX/XX/XXXX. They could have easily stopped payment on that check. 

The response to my original complaint by Wells Fargo on XX/XX/XXXX is very vague when it comes to details. Their lack of specific details makes this case look more favorable on their behalf. My original complaint and their reply do not coincide in many areas. To add insult to injury, on XX/XX/XXXX I receive a letter from Wells Fargo that I XXXX be a victim of identity theft that actually occurred early XX/XX/XXXX. The same day Wells Fargo sent me another letter regarding potential identity theft along with a kit regarding steps to take.

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 2024-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
Credit fresh, A line of credit offered by XXXXXXXX XXXX, mailed me a XXXX for {$2000.00}. 

I was requested to give my social security number to have the application processed. I was never Given full disclosure that I did not need to provide my Social Security number to have the application processed. 
15 USC 6803 XXXX asked for full disclosure of what all my social security number is being used for. I was told they cant tell me and it will be mailed to me. 
28 CFR 802.23 ( C ) ( XXXX ) I also did not see either of these disclosures listed in below code on the Preapproval letter or the application or application process. 
16 CFR 4332 Lastly, the preapproval that I was sent because I met the qualifications and criteria to be mailed the preapproval clearly states that this is a firm offer of credit A firm offer is an irrevocable offer to contract under Article XXXX of the Uniform Commercial Code In a sale of goods, if the seller is a merchant under the definition of a merchant in XXXX, and promises in signed writing to keep an offer open, a firm offer is created. 

It states that the offer was made XXXX, XX/XX/XXXX and expires on XXXX XX/XX/year>. 

I am still within the timeframe to accept this irrevocable offer, but I am being denied access to these credits. 

XXXX XXXX In short states if XXXX part of the contract becomes unenforceable, the rest of the contract remains. So this denial does not constitute invalidation of the whole agreement. Therefore, adverse action can not be taken. 


I have reached out multiple times in regards to this and spoken with supervisors and representatives. I have been hung up on and I have been passed to XXXX representative to another to only re-explain myself and be told that they are not privy to the private information that the underwriting uses to deny my application. 

I clearly tell them that the offer I received was a firm offer, and that the adverse action is inappropriate, possibly unlawful and should not be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: GA

Complaint narrative:
On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for consumer portfolio due to discrepancies. They responded as this account is accurate and updated. It is not. 

I sent a follow up letter XX/XX/year> to them stating that I would like for this account to be removed. 
Again they did not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
XXXX Transunion XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name XXXX XXXX XXXX - Account Numbers : XXXX Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this 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 2024-06-04 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: TX

Complaint narrative:
XXXX XXXX Equifax Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. XXXX, XXXX and TransUnion. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter 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 2024-06-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. XXXX, EQUIFAX and XXXX. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit 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 2024-06-04 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I called the number on my Macy 's credit card in early XX/XX/XXXX to report a fraudulent in-store purchase made in the amount of {$1000.00}. The employee assisting me somehow also included some online purchases that were authorized and made by me. The investigations team for the Credit card company denied my claim because of those online purchases, stating that the items were delivered to the correct address. However, I am trying to file a claim for the fraudulent in-store purchase that was not made by me.

The fraud occurred in-store at a Macy 's store in XXXX California XXXX XX/XX/XXXX for the amount of {$1000.00}. The agent told me the purchase was made by an account look up and they by-passed the signature required. 
The agent closed that card and I was issued a new Macy 's credit card in XXXX. 

Then on XX/XX/XXXX there were two more fraudulent in-store purchases made at a Macy 's store in XXXX for the amount of {$700.00} and Macy 's in XXXX XXXX for the amount of {$390.00}. Both in-store purchases were made by an account look up and again, the signature required to make the payment was by-passed. 

I have been trying to resolve these issues by calling every month since my first fraud claim. They denied my first claim because of the online purchases that I did not report. I called to request that the case be reopened for the fraudulent in-store purchases and was again denied because of the online purchases that were attached, that I did not claim to be fraudulent.

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 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
As I get closer to being able to apply for XXXX there has been hiccup after hiccup. Without my permission they signed me up for admin forbearance in XXXX. I successfully got it removed so I could continue making qualifying payments. I have always been signed up for auto pay to ensure that it is paid on time. When the loan was transferred over to the new servicing website I signed back up for it. I have a statement saying my auto paymebt would come out XX/XX/year>. It was not removed so I was late. I've never been late in a payment. I called and they said their records show auto pay was active XX/XX/year>. So they gave me a document that isn't matching the information they have or are giving. That worries me. How am I supposed to trust what they tell me if the documents they give me aren't accurate. When I call it seems no matter who I talk to, they dont really have answers or know anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-04 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: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-04 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2024-06-04 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: The Bureaus, Inc.
State: PA

Complaint narrative:
My credit report is showing a Collection from XXXX XXXX XXXX, on my XXXX and XXXX and XXXX account, which was sold to XXXX XXXX XXXXXX/XX/year> AND THE BUREAUS XXXXXXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title

Company response to consumer: Closed with explanation