vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
XXXX XXXX Wells Fargo Bank Customer Account Number : XXXX XXXX Debit Card Number : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX, XXXX XXXX XXXX Washington, DC XXXX XXXX : ( XXXX ) XXXX To Whom It May Concern, Subject : Formal Complaint Against Wells Fargo Bank for Failure to Honor Fraud Claims I am writing to formally file a complaint against Wells Fargo Bank regarding the handling of unauthorized transactions on my account and the bank 's refusal to honor my claims. Below are the details of the disputed transactions : 1. XX/XX/year> - Unauthorized transaction in the amount of {$550.00} XXXX. XX/XX/year> - Unauthorized transaction in the amount of {$1500.00} XXXX. XX/XX/year> - Unauthorized transaction in the amount of {$480.00} XXXX. XX/XX/year> - Unauthorized transaction in the amount of {$1400.00} These charges were made without my authorization. In addition, the company XXXX fraudulently charged my debit card multiple times after I had already paid them for services. Despite my immediate reporting of these transactions to Wells Fargo 's claims department, the bank has refused to honor my claims and has not provided a satisfactory resolution. 

I am requesting that your office investigate this matter, as Wells Fargo 's failure to address my concerns has caused me significant distress and financial inconvenience. I would appreciate your intervention to ensure that Wells Fargo complies with its obligations regarding fraudulent transactions. 

Please feel free to contact me at the phone number or email address listed above should you require any further information. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IN

Complaint narrative:
XXXX University, University XXXX XXXX. Loan amounts are crazy high. I owe, according to them and XXXX {$130000.00}. My payment is {$890.00} per month. My income is only {$34000.00} Per year. Am a XXXX Veteran with an XXXX XXXX and XXXX XXXX XXXX. I am now being threatened with sever financial repercussions from them at XXXX and EDFinancial. 
I really didn't know I had to repay these loans when I started going to school as it wasn't clear to me. I thought i didn't have to because of my Military back ground. I was XXXX when I started and now i am over 40 % XXXX and may be cleared at 100 % ( waiting on verification from the VA ) due to XXXX XXXX activities in XXXX, XXXX and XXXX. 
I was hoping that some of these " FOREGIVENESS '' items presented to our Legislatures would work out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OK

Complaint narrative:
Heres a template you can use for a dispute letter to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate debt reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Re : Dispute of Inaccurate Debt Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting on my credit report. The creditor, [ XXXX ], claims that I owe an outstanding debt ; however, I have not signed any agreement acknowledging this debt. I believe that this claim is inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Debt : Creditors Name : XXXX  Account Number none Amount Reported : {$8600.00} I am requesting that this debt be investigated thoroughly, as I believe this reporting to be in error. The absence of a signed agreement between myself and the creditor calls into question the validity of this debt. They said its verify, but never provided me with the proof that I signed anything. 

Please take the necessary steps to investigate this matter with the creditor and remove or correct any inaccurate information that appears on my credit report. If additional information is required to proceed with this investigation, I would be happy to provide any documentation necessary to support my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Inquiry Pursuant to 15 USC XXXX XXXX ( a ) and FCRA XXXX ( b ) I am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the fraudulent inquiry listed below from my credit report in accordance with 15 USC XXXX ( a ) and FCRA XXXX ( b ). 
The specific fraudulent inquiry is : XXXX XXXX XXXX  Inquiry dated XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-13 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: FC HoldCo LLC
State: MS

Complaint narrative:
XXXX XXXX There are several accounts from this company, but this particular account does not belong to me. I am formally requesting its removal from my report, as I have never been late on any payments. 

Account Number : XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Fraudulent Collection I have no knowledge of this company, nor did I authorize the original creditor or collection agency to use or obtain my information. Please delete this account from my report. 

Collection Agency : XXXX XXXX XXXX XXXX XXXX Balance Date : XX/XX/XXXX Original Creditor : XXXX Account Number : XXXX Balance : {$510.00} Fraudulent Inquiries : XXXX XXXXE Requested On : XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX VIA DEALER Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX CANNON XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of XXXX ) Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXl XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/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 2024-11-13 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-13 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: NY

Complaint narrative:
I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of a data breach and identity theft, and I am requesting that these accounts and inquiries be blocked and permanently deleted from my credit report pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ). 
Please find below the details of the fraudulent accounts and inquiries that I have identified : Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$650.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1100.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$360.00} XXXX. Bankruptcy XXXX Case Number : XXXX o Date Filed : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$620.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/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 2024-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macys credit card that has an XXXX XXXX portion - the account is through Citi bank. I have 1 credit card with one number. I generally pay the balance off each month. However, when my EFT payments are applied they always go to the wrong account, leaving the credit balance on one account and then the debit on the other. I get hit with late fees and interest charges which I spend hours every month on the phone trying to resolve. In XXXX I closed the XXXX portion of the account to try and resolve the issue. I still am receiving statements for a past due balance even though Citi bank actually owes me a refund when you net the two accounts. Ive been trying for months to resolve and continue to receive promises each time I call that its resolved. I continue to receive bills with past due balances, interest and late fees which is reported to the credit bureau erroneously. Im not sure what to do at this point.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$7000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXX XXXXl XXXX Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXX XXXX XXXX {$4500.00} Date Opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/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 2024-11-13 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX There are several accounts from this company, but this particular account does not belong to me. I am formally requesting its removal from my report, as I have never been late on any payments. 

Account Number : XXXX Balance : {$2700.00} Date Opened :XX/XX/2019 Fraudulent Collection I have no knowledge of this company, nor did I authorize the original creditor or collection agency to use or obtain my information. Please delete this account from my report. 

Collection Agency : XXXX XXXX XXXX XXXX XXXX  Balance Date :XX/XX/2024 Original Creditor : XXXX  Account Number : XXXX Balance : {$510.00} Fraudulent Inquiries :XX/XX/XXXXRequested On : XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX REGIONAL ACCEPTANCE Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX TRUIST DEALER SERVICES Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CAPITAL XXXX VIA DEALER Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX CANNON XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX Requested On : XX/XX/XXXXXX/XX/XXXXInquiry Date : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX) Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has a few errors showing late payments that are uncharacteristic of my payment history. Kindly correct these issues and update my account. Much appreciated!

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE HELP ME AS THESE FRAUDULENT ACCOUNTS ARE ABSOLUTELY NOT MINE. PLEASE HELP TAKE THESE OFF 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 explanation
Consumer complaint received 2024-11-13 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: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I started my least back in 2022. I have complained about the extra fees added such as late fees in the amount of {$29.00} each month. Not being able to access funds in my checking account due to me being late with my loan account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation