vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter responding to me & CFPB INFORMING ME ALL OF MY WELLS FARGO ISSUES HAVE BEEN RESOLVED, IE Identity theft account XXXX, which has been resolved & CASE CLOSED? I also received a letter asking if I attempted to open an account online & to walk into a branch to show my ID. So I did today & I WAS TOLD I CANT HAVE AN ACCOUNT BECAUSE OF AN ACCOUNT CLOSURE? WHEN I ASKED THE BANKER? HE SAID HE HAD NO FURTHER INFORMATION TO GIVE? IM @ THE END OF MY PATIENCE TRYING TO RESOLVE WELLS FARGOS COMMUNICATION PROBLEMS & BEING REDIRECTED DEPT TO DEPT WITH NI RESULTS! IM CONTINUING TO RECEIVE LETTERS ATTEMPTING TO COLLECT THE DEBT WHICH HAS BEEN CLOSED & REMOVED? & I CAN NOT OPEN A CHECKING ACCOUNT BECAUSE OF AN ACCOUNT CLOSURE THST KNOW ONE CAN GET INFORMATION TO FIX???

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 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reported the capital one inquiry as fraudulent with XXXX and it is not going away. I contacted Capital One Auto over the phone and they requested I mail in the following : Name, DOB, address, SSN, fraudulent application number, and identity theft report. I mailed all this in to them and they are saying its still not enough proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-03-06 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: IL

Complaint narrative:
Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - Experian, XXXX, and XXXX. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : 15 USC 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

15 USC 1681i ( a ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

15 USC 1681s-2 ( a ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiry need to be removed : XXXX XXXX XXXX - Date : XX/XX/2023

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 2024-03-06 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2024-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: SC

Complaint narrative:
My husband and I installed solar panels on our home in XXXX of XXXX and they were fully functional and approved to operate by XX/XX/XXXX. Mosaic financed the purchase of the solar panels prior to installation. When looking at the statement one day, I noticed that our principal amount was not moving, but steadily increasing each month. I was confused about this, so I called Mosaic customer service to inquire about why my payments were being applied to the principal. The customer service agent explained that we were being charged {$5.00} interest per day on our principal balance of {$20000.00}. I also found out that although our payments did not begin until XX/XX/XXXX, the interest began as soon as the loan was approved. This was not explained to us when he agreed to terms over the phone or we would have never gotten the loan. Although we have been paying the contracted amount of {$140.00} per month since XX/XX/XXXX, by the time I realized what was going on, we were so far in the hole that we now owe {$20000.00}. We were not even made aware that we could make payments prior to XX/XX/XXXX! I just need this company to be more upfront about their fees and not rush buyers through the process of signing the contract over the phone. We are now trapped in this contract and are going to have to make triple payments in order to make a dent in the principal without drowning in the interest. I feel that this is predatory lending and this company needs to be held accountable. We have no issue with paying the loan as agreed on the phone, but the contract and the phone conversation to get us to sign varied significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to AMEX. AMEX stated that the account was canceled then in XXXX it populated back onto my bank account. I never authorized opening any accounts, nor did I sign for any cards, also I never used the stated card. I have no active AMEX cards opened in my name, nor have I ever opened one or missed a payment with my credit cards. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. Since then we have contacted the sheriffs fraud department and initiated an investigation. AMEX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
Re : Demand to Delete and Remove Inaccurate Credit Information To Whom It May Concern at the CFPB : I am writing to file an official dispute and demand that inaccurate and unauthorized negative information be permanently deleted and removed from my credit reports with the major credit bureaus - XXXX, XXXX, and TransUnion. I have endured significant financial hardship and distress due to these wrongful credit listings that I have no knowledge of nor provided any form of consent for. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have federally protected consumer rights to privacy, accuracy, and the ability to withhold permission for information to be furnished to the credit bureaus. The erroneous accounts listed on my credit reports violate the following provisions of the FCRA : 15 USC 1681, Section 602 ( a ) establishes my right to privacy and to have only fully accurate, relevant information reported on my consumer credit reports. 

15 USC 1681s ( a ) ( 1 ) states that no person or entity shall furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

As I did not authorize or consent to the reporting of this inaccurate information : Account # : XXXX or XXXX Last Activity : XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX The status shows open on 2 bureaus but closed on the 3rd the furnishers and credit bureaus failed to maintain reasonable procedures as mandated by the FCRA. This represents a clear violation of my consumer rights that must be corrected. 

I have made attempts to resolve this matter directly with the credit bureaus by providing documentation and following their dispute processes. However, they have failed to permanently remove these erroneous and inaccurate items from my credit file as required by federal law. 

Therefore, I am escalating this issue to the Consumer Financial Protection Bureau to demand a full investigation and the permanent deletion and removal of all inaccurate negative information on my credit reports immediately. 

Enclosed is supporting documentation of the inaccuracies along with previous correspondence with the credit bureaus showing their violations. I reserve the right to pursue any and all further legal remedies available to me under the FCRA if this matter is not promptly and permanently resolved through correction of my credit reports. 

Thank you for your timely attention to this serious matter. I look forward to your investigation and the complete deletion and removal of all inaccurate items from my credit reports as mandated by law.

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 2024-03-06 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: GA

Complaint narrative:
Re : Demand to Delete and Remove Inaccurate Credit Information To Whom It May Concern at the CFPB : I am writing to file an official dispute and demand that inaccurate and unauthorized negative information be permanently deleted and removed from my credit reports with the major credit bureaus - XXXX, Equifax, and XXXX. I have endured significant financial hardship and distress due to these wrongful credit listings that I have no knowledge of nor provided any form of consent for. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have federally protected consumer rights to privacy, accuracy, and the ability to withhold permission for information to be furnished to the credit bureaus. The erroneous accounts listed on my credit reports violate the following provisions of the FCRA : 15 USC 1681, Section 602 ( a ) establishes my right to privacy and to have only fully accurate, relevant information reported on my consumer credit reports. 

15 USC 1681s ( a ) ( 1 ) states that no person or entity shall furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

As I did not authorize or consent to the reporting of this inaccurate information : Account # : XXXX or XXXX Last Activity : XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX The status shows open on 2 bureaus but closed on the 3rd the furnishers and credit bureaus failed to maintain reasonable procedures as mandated by the FCRA. This represents a clear violation of my consumer rights that must be corrected. 

I have made attempts to resolve this matter directly with the credit bureaus by providing documentation and following their dispute processes. However, they have failed to permanently remove these erroneous and inaccurate items from my credit file as required by federal law. 

Therefore, I am escalating this issue to the Consumer Financial Protection Bureau to demand a full investigation and the permanent deletion and removal of all inaccurate negative information on my credit reports immediately. 

Enclosed is supporting documentation of the inaccuracies along with previous correspondence with the credit bureaus showing their violations. I reserve the right to pursue any and all further legal remedies available to me under the FCRA if this matter is not promptly and permanently resolved through correction of my credit reports. 

Thank you for your timely attention to this serious matter. I look forward to your investigation and the complete deletion and removal of all inaccurate items from my credit reports as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX XXXX. I was notified by text that a " XXXX '' had been added to my Chase Bank XXXX account. I did not recognize that name and immediately went to a Chase Branch to ask if the text was valid. They indicated it was and gave me the number to Chase fraud. Upon calling I learned that someone had accessed my Chase account and transferred {$5000.00} from my savings to my checking and then made XXXX XXXX transfers to this XXXX totaling {$5000.00}. I filed a fraud claim while on the phone. Upon arriving home I found that there was a Remote Session window open and someone had remoted into my computer to steal my money. I recalled that I had opened an email previously and clicked on a link and my computer warned me it was suspicious and I closed it. I believe this is when the thief/thieves accessed my computer and uploaded something to track my keystrokes for log in information. 
I filed a police report with the XXXX Police Department and I also hired a computer specialist to examine my computer as well as take it back to factory reset to insure the thieves would no longer have access to my computer. 
I have provided Chase Bank with the XXXX Police report, a letter from the IT specialist explaining how the thieves accessed my computer as well as XXXX alarm reports and XXXX  camera video footage showing I was not home at the time of the online theft from my Chase account. I have resubmitted my fraud claim twice after Chase rejected my fraud claim and they have rejected it each time. Because my username and password were never changes and my IP address was used and there were no failed log ins, Chase will not refund my money. I submitted a letter from the IT professional testifying how the thieves accessed my computer, but Chase will not consider that. I am a retired person and veteran of the XXXX XXXX living on a fixed income and I need the {$5000.00} stolen from me. Chase was negligent in not flagging this suspicious behavior and stopping it before the thieves got my money and they should do what is right and return my funds to me. I even stated I would submit to a lie detector test to prove I do not know who " XXXX '' is, that I have never given access to my banking information to anyone and that I have no idea who stole my money. Please help me as I have no one else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After receiving a, " XXXX XXXX  ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes XXXX XXXX BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON CREDIT REPORT : 1. ) CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX XXXX. ) XXXX Inquiry : XX/XX/XXXX XXXX. ) CAPITAl ONE BANK USA Inquiry : XX/XX/XXXX XXXX. ) XXXX Inquiry : XX/XX/XXXX XXXX. ) CAPITAL ONE BANK Inquiry : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-06 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: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : 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 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I filed a complaint against national credit systems and XXXX XXXX XXXX, on XX/XX/2023. File # XXXX. 

NCS response was that they are a third-party collection agency that now takes full ownership of this debt, and sent an 189 page attachment of a leasing contract. 

This debit is for an eviction. XXXX XXXX XXXX illegally evicted me from my unit. There is no eviction letter, and no eviction filed against me in the magistrate court of XXXX XXXX. 

I am requesting the eviction letter that validates this debt. If the documents can not be provided. I am requesting immediate deletion of this debt.

Company response to consumer: Closed with explanation