vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Description of What Happened : Missing Deposit Claim XX/XX/XXXXXXXX XXXX XXXX Claim Number : ** XXXX - Date of Claim : XX/XX/XXXXXXXX XXXX XXXX XXXX Amount : {$17000.00} missing deposit - Action Taken : I filed a claim regarding a missing deposit of {$17000.00} that was originally made on XX/XX/XXXX, which was erroneously processed as a {$15000.00} withdrawal. This totals {$32000.00}, including both the missing deposit and the unauthorized withdrawal. The withdrawal slip provided by Wells Fargo was filled out incorrectly ; my name is not fully spelled out ( only the first letter of my first name is included with my last name ), it is not in my handwriting, and my signature appears twice on the slip. 
- Status : The claim was denied, with Wells Fargo stating that no errors were found regarding how transactions were posted to my account, despite the discrepancies in the withdrawal slip documentation. 

Multiple Fraud Claims XXXX XXXX Total Amount : Over {$30000.00} in fraudulent digital transactions. 
- Action Taken : From XXXXXXXX XXXX XXXX XXXX opened multiple fraud claims regarding digital transactions totaling over {$30000.00}. These claims were ultimately denied, with Wells Fargo stating that I allegedly had the card in my possession and that the transactions fell within my normal spending patterns. However, the fraudulent transactions were digital, and I reported them to Wells Fargo when they occurred. The debit cards were deactivated, and I was issued new cards. I made minimal to no transactions on my debit cards. Despite reporting these issues, I still have not been reimbursed for the fraudulent charges. 

Inadequate Response and Customer Service - Date of Wells Fargo 's Communication : XX/XX/XXXXXXXX XXXX XXXX XXXX Summary : The investigation and communication from Wells Fargo regarding these claims have been disappointing. I have consistently expressed my dissatisfaction due to their failure to adequately address the specific fraudulent activity I reported. In their letter dated XX/XX/XXXXXXXX XXXX XXXX  Wells Fargo stated they would close my cases without addressing my claims for monetary compensation. Furthermore, I have not received a satisfactory explanation for the unlawful denials of my fraud claims. 

Request for Action : Given the lack of satisfactory resolution, I hereby request that the Consumer Financial Protection Bureau ( CFPB ) conduct an investigation into Wells Fargo 's claims handling processes and their customer service practices. I believe their responses to my claims do not comply with consumer protection regulations and fail to provide adequate justification for the denial of my claims concerning unauthorized transactions.

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 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Approve Holdings, Inc
State: NJ

Complaint narrative:
This " AUTO APPROVE '' I don't know how they got hold of my XXXX loan with all my and ny mrs info, but they gave me much lower monthly payments, and after getting both our info, and finally sending to us tge full contracts to sign with DOCU SIGN, WE NOTICE THEN IT WAS ALL A SCAM! they had forgot to mentioned that in order to LOWER OUR MONTHLY PAYMENTS WAS TO ADD ANOTHER 9 MONTHS TO OUR NEW CONTRACT!

WE FEEL WE WAS LIED TO AND TAKEN ADVANTAGE OF DUE TO OUR SENIOR YEARS, AND WANTS TO EXPOSE THIS COMPANY 'S BAD CONDUCTS!! 
Thanks XXXX we caught this in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-10-06 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
applied for jp morgan chase united card recieved with XXXX limit proof of letter. used it once they turned it off for verificvcation and fraud. had to charge an airline ticket on another card. went to weveral branches they said card ending in XXXX was not closed turned it back on and when i got to TN it was off again. went to several branches ande even emailed id verification paperwork and hard copies to the credit bureau experian. They sent me another card to my home in XXXX XXXX then charged me to ssend one TN where i was on vacation without the use of the new card. 


spent coutless hours at branches and on the phone. sent in a registered letter to opt of thier arbotration agreement but need guidance. im a XXXX veteran and my finances have been interrupted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I never received notice of this debt until I checked my credit report stating it was in collections plus this debt was already in my debt management program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Between XXXX there were XXXX fraudulent transactions through XXXX pay XXXX Wells Fargo denied my fraud claim and they stated that my PIN number was used. I did not make these transactions so I don't know how my PIN was used. I tried to use my debit card to get gas and it was denied so I checked my account, saw the transactions and made a report right away. When Wells Fargo denied my claim I asked for it to be reopened and still did not get my money returned! I received 2 letters dated XX/XX/year>. One letter stated that the merchant has refunded XXXX to my account and the other letter dated the same day said that they were closing the dispute because my card and PIN number were used. No money was ever refunded to my account. It is impossible that my card or PIN number were used because the card was in my possession and I did not make these on line transactions. I have been with Wells Fargo for many years and have been happy with them until this incident.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MN

Complaint narrative:
I request in writing XX/XX/year>, to U.S. Bank National Association to stop reporting negative impressions to my credit report. It stopped and then continued. I tender special deposit to U.S. Bank National Association XX/XX/year>, to pay off the account and made Affidavit of Notary Presentment and Certificate of Mailing XX/XX/year>, with Payment in full. I got no response and acknowledgement of my Notice of Acceptance with presentments and payment for the accounts. Instead, they keep reporting delinquency to my account and have their attorney file a lawsuit against my estate. As the implied surety of the Principal Debtor, I have the right to tender payment via special deposit. 
It was neither acknowledge nor rejected. 
This continued negative reporting is harming my financial health and ability to gain credit in good faith.

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 2024-10-06 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:
MESSAGE TO XXXX : Subject : Dispute of Incorrect Hard Inquiry from XXXX ( XX/XX/XXXX ) I am disputing the hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was prequalified for a card, and XXXX disclosed that applying would be a soft pull, not a hard pull. Disclosed that applying will " NOT AFFECT CREDIT SCORE ''. My application was denied, so this inquiry is incorrect. Please remove it from my report ; or I'll have to submit complaint to CFPB and FTC for false inquiries. 

Thank you.

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 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have had money being stolen from me digitally and through credit services since XXXX I cant even get a credit score now its affecting my life I cant get a credit score and the credit companies been charging my money for this free service I need my credit reports and I paid off cards and loans without any credit boost I have a XXXX  loan I never did and I want to made hold from this breech in my life and credit service please help me

Company response to consumer: Closed with explanation