vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I have attached a statement of a full description in regards to the fines you levied against Wells Fargo for illegally charging Bank customers for overdraft fees from XXXX XXXX XXXX Bank customers. But also showing in XXXX  that they are still doing the same thing by stating the same reason they did before you caught them apparently thinking they got away with it once and still made money, why not again. They are habitual abusers based on their history and charges you fine them for. 

Please see attached documents where we give the history and details, ( we tried to stay brief, knowing you have to read a XXXX  of these a day and must be XXXX XXXX by the end of the day so know we understand that and did not try to say anymore than we had to so you didn't have to read a novel but just the related facts. 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I recently obtained a copy of my credit report and noticed that Santander has not removed and updated the late payments in XX/XX/2017 and XX/XX/2017 on my account. I previously had an account with Santander that has been paid as agreed and closed. When I noticed the inaccurate late payments, I contacted the creditor via phone and mail. The representative assured me the information was due to a billing error and would be updated correctly. 
Furnishing late payments to my profile due to billing errors is in violation of 15 USC 1666B. I've contacted the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) via phone to try to resolve this issue as well, and the changes have yet to reflect. Reporting this information to my profile is impacting my payment history and opportunities to obtain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft from XXXX XXXX breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX Bureaus. Experian has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest XXXX is from XX/XX/XXXX, XXXX XXXX XXXX  XXXX was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX. ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint to EQUIFAX for allowing fraudulent inquiries and fraudulent information on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate information are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I decided that I would keep a closer eye on my credit. When I first looked I was freaked out to find that there were some MAJOR errors on my report. My rights and privacy are being violated and it is causing a major riff in my life ; I have been unable to focus at work, because this is dominating my thoughts day in and day out and I need 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 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: IL

Complaint narrative:
They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with XXXX XXXX XXXX. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. 
As of XX/XX/XXXX you owed {$1500.00} Between XX/XX/XXXX and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Im noticing that youre furnishing an alleged debt that I have noknowledge of. I hereby am disputing this debt and requesting proof of this alleged debt according to 15 usc 1692g this account is severely effecting my credit score negatively and impacting me from receiving new credit products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: VA

Complaint narrative:
Received a collection notice from this company saying I owe XXXX  XXXX for a mobile bill that I never had.I was part of a security breach my information was leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NC

Complaint narrative:
I asked the company multiple notices requesting a full account accounting per 12 CFR 1026.13. Provide details promptly or remove the account and its still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just reviewed the copy of my credit reports and It seems that there are inaccurate and unauthorized inquiries reporting. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine.

I have listed the inaccurate in XXXX  and sent it to the Bureaus. Please see the attached file on this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Multiple deposits have been made to my checking account from a Merchant with the description of CA DIR ACH. I have tried for well over a year to get the correct information for these deposits that have been made over a span of multiple years ranging amounts from {$100.00} to over {$6000.00} and are deposited sporadically. When we have spoken on the phone with their call center they give us the Merchant information and contact and it is INCORRECT. They said it was California Direct Access Program, XXXX XXXX XXXX and the said it has nothing to do with them. When we go into the office they say it is XXXX and said to complete an outreach form. I did that with no response. I found their number and they said they do not make any deposits to any accounts from their office. BofA just keeps giving us the wrong information and said they have limited information on the Merchant. They have to know their Merchants and how to contact them but will not assist in getting the answers. 

Can you please assist me in getting BofA to give me the detailed information on these deposits that are over {$26000.00} over the years. 

Merchant ID on the report shows 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to XXXX  XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Equifax XXXX XXXX is breaking the consumer law pertaining to XXXX  XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed the folliwing account askingn for verifacion documentation and debt valalidation they keel saying debt is validated but they dont provide any kind of documets proving or proff of debt. 
their response as follows : In reference : XXXX XXXX OF A Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

they have not gave me any time of proff of validation of this account this has happened more than 4 times they have failed to provied it

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This complaint is in addition to the closed complaint XXXX. 

On XX/XX/2023 I was robbed in XXXX AZ. My phone, wallet, and computer were stolen out of my hotel room. In addition to running up my credit cards the thief ( s ) proceeded to hack my phone, send themselves a {$1000.00} XXXX transfer, and wire {$1200.00} and {$5000.00} out on my checking and savings account. The total of the theft was over $ XXXX. 

All of the fraudulent charges have been returned by the financial intuitions except for the {$1200.00} and {$5000.00} wire transfers from my Wells Fargo accounts. Wells is claiming I am responsible for the someone using my user name and password. 

On XX/XX/XXXX, at approximately XXXX I met with a teller at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. She put me on the phone with telephone banking to suspend all accounts and stop all the pending fraudulent transactions. There will be a recording of these calls and video evidence of that phone call. The telephone banker assured me that all my accounts were frozen and they had done all they could at that time to minimize the damage. At XXXX that XXXX  the wire transactions were still pending in my account as I took screen shots to share with XXXX XXXX ( attached ). If Wells Fargo would have proceeded to stop the wires on XX/XX/XXXX at XXXX that they never would have went through.

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 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial has been asked to correct the proper information reported to the credit bureau since XX/XX/XXXX. as far as correcting the delinquent payments on my account. The account was never late. A Westlake representative asked me to hold off on making a payment because the account was being paid off on a payment between XX/XX/XXXX and XX/XX/XXXX due to my insurance company reaching out to westlake to notify them of payoff for the car after the car was declared a total loss. Westlake financial is a bully with customer and treated me as if I was a front door rug to wipe their feet on. They are a company that seems to get away with derogatory remarks to clients and unfair reporting due to retaliation for customers paying out early on their accounts. Westlake has a reputation of horror stories for dishonesty from other customers and harassment experiences. I am writing to express my dissatisfaction with Westlake 's reporting on my account, stating that it was late. This information is incorrect, and I request that you rectify this error promptly, or for the account to be deleted immediately please please please and 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 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX, I entered into a vehicle loan with XXXX XXXX XXXX as a co-signer on a vehicle loan for an acquaintance of mine that needed help with getting a loan. A XXXX XXXX XXXX was purchased at XXXX XXXX XXXX in XXXX, ND. The loan was in excess of {$23000.00} and was for 60 months. The other party on the loan had the vehicle from XXXX, it was repossessed in late XXXX, and never made any payments. At the time of the loan, I was not mentally or emotionally well and also was not cognitively aware of all of what was happening and did end up hospitalized after this as a result of my poor health. I do have a history of XXXX XXXX XXXX, financial mismanagement due to my brain injury and other mental health and physical health disorders including XXXX and XXXX. I did file a fraud claim with XXXX XXXX, but it was denied. I also filed a vulnerable adult report with XXXX XXXX XXXX XXXX, XXXX XXXX, MN ; but was told it did not meet the criteria of financial exploitation. The vehicle was eventually repossessed, and I am actively working with XXXX XXXX to rectify this situation. I am able to provide more detailed medical information to show that, at the time of entering into this loan agreement, I was mentally and cognitively unable to understand the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
I recently obtained a copy of my credit report and noticed a series of late payments reflecting for months XXXX of XXXX  being reported on my credit report. I reached out to the Credit Reporting Agencies via mail and phone to resolve the errors as I have not been late. 
Furnishing late payments due to any billing errors is in direct violation of 15 USC 1666B. I requested verification of the late payments as to date I have not received any updated information. 
The late payments are impacting my payment history and my ability to obtain credit. I have not been late with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting these late payments on my profile are indeed inaccurate.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently obtained a copy of my credit report and noticed a series of late payments reflecting for months XXXX of XXXX  being reported on my credit report. I reached out to the Credit Reporting Agencies via mail and phone to resolve the errors as I have not been late. 
Furnishing late payments due to any billing errors is in direct violation of 15 USC 1666B. I requested verification of the late payments as to date I have not received any updated information. 
The late payments are impacting my payment history and my ability to obtain credit. I have not been late with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting these late payments on my profile are indeed inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information has been used fraudulently without my knowledge nor consent. This has resulted in a un-authorized bankruptcy being reported on my credit reports, along with an account, several addresses that I'm not connected to, and some un-authorized inquiries. I am requesting that these items are deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief