vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts 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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I previously submittted COMPLAINT XXXX. It was particially resolved and I see that it has been cancelled when there is still {$7800.00} still remaining from three unathorized ACH transactions from Wells Fargo to pay credit cards of an unknown party named XXXX XXXX XXXX XXXX XXXX. Wells Fargo had previously closed this case # XXXX how CFPB was able to get a partial refund of {$9000.00}. Thank you for your making this happen. The Enterprise Complaints Management Office of Wells Fargo contacted me via letter regarding CFPB 's inquiry to my first complaint. They gave a name of a person to call and a phone number. I left two messages to talk with the bank to get the remaining stolen funds reimbursted but I have not gotten a call back. I have had several non responsces for Wells and would like your help to make sure they are not ignoring this matter. 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 monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XXXX XXXX I was a victim of Identify theft via a SIM swap scam with my mobil phone carrier. I notified Bank of America before the fraud even happened that I was a victim and to lock my account. They failed to do that and did not protect my account. 
The thieves accessed my bank account with Bank of America and processed to send {$1400.00} via XXXX to a account that they fraudulently opened in my name with XXXX. 
I have put in a fraud claim with Bank of America three times, they continue to deny the claim even tho I have provided every possible proof that I am a victim of fraud. 
I made a police report, reported to FTC, put fraud alerts on my credit reports and resolved my fraud issues with all others financial services.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I contacted an offer found on a housing swap on XXXX. The police said they did not have prior issues with this housing page. 
I responded to an offer to rent a unit near XXXX Colorado. The name on the listing to contact was XXXX XXXX. She advertised the room as near a bus stop, pet friendly, and the deposit was the same as one months rent. She sent me a rental application on XX/XX/2021 She then said her lawyer approved my application on XXXX21. I went to the unit after my bank wired her thr money to a bank in XXXX  XXXX Texas near XXXX. 
The owners of the property were home and said the unit was not for rent. They let me sit inside their home and call my bank to refund the money. I didn't recieve assistance that day so I went in person to a branch in XXXX. 
They took my story down after I filed a police report with the XXXX police. 
The bank representaive told me this happens sometimes but I was likely to get back 100 % of the deposit. She said if not I guarantee 80 % back in two weeks. 
That felt like a relief to hear. I called them two weeks later and the same rep talked to me. She said they could not send the funds back because her bank said no. The rep told me I should contact that bank and see if I get different results. I said they were a company worth multi millions of dollars. If the bank did not listen to Wells Fargo why would they listen to me. The rep said there was nothing she could do and no money would be returned to my account. 
I filed that report with their fraud department.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Due to the fraudulent charges on my account, Ally is now sending back my auto pay for my cell phone and has also sent back my {$50.00} Payment to XXXX. I mentioned this to them but just like everything. It fell on deaf ears. I failed to add this in on the Original complaint. 
I did tell them I had bills to pay because of them saying their investigation would take 10 business days. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I was charged twice for an item XXXX. Then I returned the item getting a credit of XXXX. I never received the funds for the double draft. I contacted Truist via the XXXX number and submitted all of the fraud claims paperwork via branch and asked them to close down my account due to this being the second time I had fraudulent activity within 30 days. My claim was denied after multiple attempts. Then my account began getting charges. On XX/XX/XXXX I was charged twice for account access fee of XXXX for XXXX and XXXX. Then due to having no funds on my account which should have been frozen I was charged {$72.00} in insufficient funds fees. This totaled XXXX. Upon paying this I was assured that my account was made current, frozen and no more fees would be assessed. That I could go into the branch to close my account but in 30 days it would close due to inactivity. 

On XX/XX/XXXX I was issued a check on auto draft to the closed account. I contacted the XXXX branch and was told my check had been deposited but the location of the check was unknown. Meaning I could not receive/ cash it. On XX/XX/XXXX My check arrived at XXXX XXXX XXXX  missing {$73.00} charged as a recovery fee. On XX/XX/XXXX I went into the XXXX branch and I was notified that my claim was denied and a charge off was made on XX/XX/XXXX for XXXX. XXXX ( employee ) Contacted the corporate office via phone on XX/XX/XXXX three times each time they hung up on her. She stayed in the branch until XXXX and she stated that the next business day she would contact them and find out the cause of the charges and why I was not contacted about my check being received, garnished, and mailed. As well as to what the charges were for.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The information was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The information was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited a payroll check into my USAA checking account. USAA cancelled the check as it was written to my business with XXXX notice or opportunity to provide appropriate documentation to show that the check was written to me. USAA has been completely unhelpful in dealing with the fees associated with over draft. They have no failsafes in place to catch issues like this and no available remedies to assist customers in resolving overdraft fees or to stop the excessive fees. The information is buried in terms and conditions and the consumer has no way to know this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is the only Credit Bureau That is not updating my credit store or reporting accurate information. MULTIPLE accounts had to be removed and disputed due to their lack of diligence. Once fraudulent reports were removed they still did not update my account or score. I have now been added as a authorized user to a new account and they are also not reporting this. They are also showing false information when it comes to my credit score with other Bureaus. I had to go to XXXX and XXXX actual website create an account with each of Bureaus just to get accurate information. My score on XXXX is XXXX my score on XXXX is XXXX but Experian is reporting that my score is XXXX which is absolute blasphemy! I have tried to dispute, call and email Experian with no change and XXXX response, I am looking into possibly opening a lawsuit against Experian for these reasons. And this is also why I am filing this dispute they should not be allowed to function in this manner while working in such a sensitive industry.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I requested and received a balance transfer on my Capital One Visa card in XXXX, 2022. It was for 1 year 0 % interest. Unlike other credit card companies, such as XXXX, XXXX, etc, This company does not show the date of the end of the promotion period on their statements, I feel this is an attempt to have you forget that on a certain date, you will be paying interest. This happened to me this month, and I now owe an additional {$300.00} in interest. I called and spoke with a manager but was told I was out of luck. I am now paying the card off, but I would have paid it off last month had it shown or reminded me on the statement that my promotion period was up. I feel this is intentionally done in hopes you will not realize that your interest free period is up. Unless you remember when it is, you will get hit with the interest because there is never anything in writing regarding the end date except for when you sign up, long ago. They should be required to show the expiration date of the promotion on their statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I have filed an FTC complaint and have that report. Under the FCRA, I am entitled to the removal of inquiries, accounts and personal information that was a result of identity theft. Transunion is refusing to comply. I want the CFPB to enforce my rights. I am including the checklist of items and my identity theft affidavit.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Accounts 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, 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 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Accounts 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, 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems is reporting a collections on an account that was opened XXXX. The amount reported is {$180.00}. 

I asked them to verify this - sent them a letter in XXXX. 

I filed a complaint with XXXX- they researched and removed the reported account from my XXXX credit report. 

XXXX XXXX XXXX have not. 

I DID NOT OPEN ANY ACCOUNT IN XX/XX/2023. I do not owe {$180.00} but they refuse to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!

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 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
In XXXX XXXX  XXXX I closed my account with XXXX and paid {$130.00} which was my bill due at the time time. I called XXXX in XXXX XXXX  XXXX and asked what my remaining balance was after closing the account and the representative told me {$310.00} which I paid with the rep over the phone right then and there. In XX/XX/XXXX I received yet another bill from XXXX which I'm not sure why and they weren't able to tell me as I owed them nothing and received letters from them saying I owed {$0.00}. They have now sent a debt of {$110.00} to a collection agency and this is now on my credit report inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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