vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

Account Name : Bank of America 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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Bank regarding an unresolved issue involving an ATM deposit error that occurred on XX/XX/2024. Despite my efforts to resolve this matter directly with the bank, I have not received a satisfactory resolution. 

On XX/XX/2024, at approximately XXXX XXXX, I sent my son to the Wells Fargo branch located at [ XXXX XXXX XXXX XXXX XXXX NC ] to deposit {$7100.00} in cash into my account he deposited via the ATM. The machine processed {$600.00} at a time, returning the remaining cash each time, and he continued to reinsert the funds. The machine successfully deposited a total of {$3000.00} in five increments of {$600.00} each. Additionally, it deposited {$480.00} and printed receipts for these transactions, totaling {$3400.00} deposited. 

However, when he attempted to deposit the remaining {$3600.00}, the machine accepted the cash but neither printed a receipt, returned the money, nor credited my account. We immediately reported the issue to the branchs customer service, who advised me to contact Wells Fargos customer service hotline. A temporary credit of {$3600.00} was issued to my account while the bank investigated the matter. 

Unfortunately, on XX/XX/2024, Wells Fargo reversed the temporary credit, leaving my account overdrawn and asserting that their investigation found no errors with the ATM. Despite my multiple attempts to resolve this matter directly with Wells Fargo, including speaking with their ATM service department and submitting a formal dispute, I have not been able to recover the missing {$3600.00}. 

I have enclosed copies of all relevant documentation, including ATM receipts showing the successful deposits, my bank statement reflecting the temporary credit and subsequent reversal, and records of my communications with Wells Fargo. 

I kindly request the CFPBs assistance in resolving this matter. Specifically, I am seeking a thorough review and rectification of the discrepancy, including : XXXX. A re-examination of the ATM transaction logs and cash reconciliation reports for XX/XX/2024. 
XXXX. A review of any available security footage from the ATM. 
XXXX. A detailed explanation from Wells Fargo regarding the investigation process and findings. 

Thank you for your time and attention to this matter. I hope that with your intervention, this issue can be resolved promptly and fairly.

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 2024-05-20 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: CA

Complaint narrative:
I am the victim of identity theft, and did not authorize opening the XXXXXXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.

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 2024-05-20 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 the victim of identity theft, and did not authorize opening the XXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX  keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX  but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

Account Name : Navy Federal Credit Union XXXX XXXX XXXX Late Payment of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> I got a letter from XXXX XXXX XXXX XXXX that I was being sued by a company called Security Credit Services, collection company. They just sued me without even notifying about getting into an arrangement, nothing. That was crazy, they couldn't do that. I had to hire a lawyer and spend XXXX to get this fix and Im still working on it. They dont give me options, I have rights, but they are not considering that. Many people have complaints against that company for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
violation of my right to privacy and unauthorized use of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally bank is charging interest on purchases for {$XXXX} when my entire card balance is only {$XXXX}. When I originally called on XX/XX/24, I was told that the interest was determined by my average daily balance. My balance is only {$XXXX} and has never been as high as their amount of {$XXXX}. In fact, my entire credit limit is {$XXXX}. 
I was told that I should call back in a few days to see if adjustments had been made to the interest amount. When I called back today, XX/XX/24, I was told a waiver request had been denied because I changed my payment due date, so I was still being charged an interest fee on the {$XXXX}. Ok, so I changed the due date, but I still don't owe {$XXXX}. I have never owed that much. This time, the rep said the only thing that could be done was to request another waiver to see if it would be approved this time. I asked how was the {$XXXX} determined, and the rep told me that, since I changed my due date, the interest rate included all purchases made from the original due date to the new due date. My original due date was the XXXX of every month, and I changed it to be the XXXX of every month. That change was requested in XXXX, and since XXXX, my entire amount due has only gone from {$XXXX} TO {$XXXX}. How does that explain the XXXX statement being charged interest for {$XXXX}? The rep told me I would, then, be transferred to another department who could possibly help, the " card services dept. '' I was on hold for XXXX minutes, I spoke to another rep who told me that XXXX doesn't make adjustments on interest fees, but that another request would be submitted to have another rep contact me to explain how the interest rate was calculated for {$XXXX} and not {$XXXX}. The expected return call is supposed to be within " XXXX business days ''. In the meantime, my payment is due, so if/when I make the payment will that be the same as accepting the interest fee?

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 2024-05-20 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: OH

Complaint narrative:
This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The XXXX, XXXX and Transunion all refuse to do their required job and confirm and correct.

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 2024-05-20 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: OH

Complaint narrative:
This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The Equifax, XXXX and XXXX all refuse to do their required job and confirm and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: OH

Complaint narrative:
This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The XXXX, Experian and XXXX all refuse to do their required job and confirm and correct.

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 2024-05-20 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX XXXX And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please 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 explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This account is aged off and they continue to " refresh '' as if active. Incorrect and illegal reporting and refusal to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: AE

Complaint narrative:
I am currently under a XXXX term loan with Ally Auto. I am an XXXX XXXX member assigned to XXXX under XXXX XXXX XXXX. I am XXXX from the military and must ship my XXXX covered under the loan back to the States. I have official XXXX XXXX orders that state a XXXX  to be shipped ; Ally Auto denied the orders and stated I would need an official report from my chain of command signed by my commander that says ( who my spouse is, the year, make, and model, the lienholder and when it going to be shipped. ) They said either I send them that report or give them an official code breakdown stating the orders ' codes. I told them they would not be allowed to receive that, and they told me the only other option was to obtain authorization for coverage by my insurance. I called XXXX, which is the rental insurance, and they gave me authorization for coverage with the period it would be shipped and the name of the loan holder. They denied it again because XXXX provided it in an email, and they would not accept it unless it were in an official document. 

This is keeping me from leaving the country due to a lack of confidence, as stated by multiple ally representatives, that my authorization letter would be accepted. The car is under a loan, which, if I am unable to pay, would require them to repossess the vehicle. Being XXXX is more of a risk for this auto loan company than in the U.S., and yet they are denying the release letter.

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 2024-05-20 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: TX

Complaint narrative:
I pulled my credit reports from XXXX experian and XXXX and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from XXXX Experian and XXXX. ADD NAME : XXXX XXXX XXXX to XXXX, Experian, XXXX. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Experian- XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX DELETE additional INQUIRIES : XXXX  XXXX, XXXX XXXX XXXX XX/XX/23, XXXX XXXX XXXX. DELETE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.

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 2024-05-20 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided.Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies.This is fraudulent reporting! 
Creditor Name : Bank Of America Credititor Address : XXXX XXXX XXXX XXXX XXXX, Texas ( 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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
as i said in my last XXXX fraud complaint on CFPB website... i am claiming XXXX fraud/Unauthorized checking acct transaction of {$1000.00} which occurred at a local citibank atm XXXX XXXX or XXXX location?? ) which occurred on XX/XX/2024 ( i was given a new Case Appeal ID to dispute i did not use my citibank debit card to withdraw {$1000.00} dollars out of my checking account ; i rarely draw more than {$500.00} dollars at a citi atm ... the new Case Appeal ID i got today XX/XX/2024 is : XXXX... ) ... still no citibank atm surveillance tapes request unanswered as of yet... 

Please give me some resolution to this XXXX fraud! 

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 monetary relief