vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and identified several inaccuracies associated with my account. I believe these inaccuracies are negatively impacting my credit profile and hindering my ability to secure credit. I request your assistance in investigating and verifying the accuracy of the following item on my credit report : XXXX 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 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Previously I was a victim of fraud. The criminals tricked me into depositing fake or empty checks into my bank account while also tricking me into gaining my trust. I had my account closed and later discovered that I was a victim of fraud and identity theft ( IRS approves ). 

Yesterday I inputted my information for a checking account following a {$300.00} bonus offer and was instantly accepted. I had an active account and even deposited $ XXXX for a wire transfer for a SUV I won on an auction. 

After submitting the wire transfer, making deposits ( with cash at atm too ), and given a debit card. 

The bank messaged me Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because the closure by Wells Fargo or its affiliates of a previous account you owned. 
-If ongoing reviews are active then why was I approved for a bank account in the first place? 
-How did I get approved for an account if the ongoing reviews are active and flagging me? 
-Was this really an ongoing review or a targeted one? 
-How is blacklisting me from creating a bank account while I was another poor victim towards fraud and online scammers justified?

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 2024-02-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My account got frozen XX/XX/2024 without informing me why. Ive reach out every way I possibly could calling 50 times plus, emailing CEOs and everyone that could possibly help, live chats, social media, The better business bureau, every way I possibly could. Nobody can tell me why my account was frozen everyone keep saying a department is going to reach out via email and they havent for a week and this supposedly department doesnt have a phone number doesnt have a email I could reach out to doesnt have a name. Nobody could tell me why my account was frozen for no reason there is no fraud on that account. The money is straight from the IRS, theres no reason the account should be locked. They reached out before they froze my account. They wanted a picture of my ID front and back. I sent the pictures and they still cant tell me why my account is frozen everyone I talk to says they dont know nothing I called multiple times a day I email multiple times a day , Ive tried everything and still cant get no response. I cant even close my account with them. Nobodys reaching out to me and I need my money. I have a toddler I am a single mom and those are my funds that I need to pay bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
MACYS/CBNA XXXX XXXX XXXX XXXX XXXX OH XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. MACYS/CBNA. ( " Miscellaneous Department and Variety Stores '' ) on date XX/XX/year>. I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed.Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that [ Credit Bureau Name ] investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations.Enclosed are copies of relevant documents supporting my claim, including [ list any supporting documents, if applicable ] .Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-02-25 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: AL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Date - XX/XX/24 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, Wa Action by me - notified the company but did not get any clear resolutions. 

Complaint Summary : I was deceptively enrolled in a credit card program at an XXXX XXXX store. Despite being offered a rewards program, the store associate initiated a credit card application without my full understanding or consent. I was tired and became suspicious when asked for my social security number, but I feel misled into applying for a credit card I did not want as during the entire process not a single time the word " card '' was mentioned. 

Detailed Description : - I was approached by a store associate who offered me a rewards program to save money on my purchase. 
- The associate began an application process that I assumed was for the rewards program.The associate did not mention the word " card '' at any time during the entire encounter. 
- Without clear explanation, the process shifted to a credit card application. I became suspicious when asked for my social security number. 
- Feeling tired and pressured, I completed the application, believing I could sort it out later. 
- I have since discovered that I was enrolled in a credit card program I did not want and did not fully understand.

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 2024-02-24 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: CA

Complaint narrative:
Check was cashed on XX/XX/XXXX, but money frozen until XX/XX/XXXX. Wells Fargo pretended nothing happened, and my money wasn't just frozen for 10 days. 

I cash a {$1500.00} check on XX/XX/XXXX and sent {$380.00} available immediately to XXXX. On XX/XX/XXXX got an email said my {$1500.00} check was on hold and charged overdraft fee. Called Wells Fargo, and they said the check was " not payable '' and I need to call the check issuer. 

The check issuer said the money {$1500.00} left their account on XX/XX/XXXX. Check did not bounced. Money left their account properly. I still can't see my money on XX/XX/XXXX. 

On XX/XX/XXXX I saw a balance {$1100.00} on my account suddenly and a post dated {$1500.00} check that was claimed to be deposited on the XX/XX/XXXX, but money was actually frozen until XX/XX/XXXX, causing the overdraft fee to show up on 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 monetary relief
Consumer complaint received 2024-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out to Transunion on XX/XX/2024 regarding numerous unauthorized inquiries reporting on my credit report. I have not received adequate disclosures for the inquiries reporting on my credit profile and I have received no response. I thoroughly listed all inquiries that are reporting inaccurately and asked to seek immediate attention to resolve this issue as I believe they are in violation of my FCRA rights and breech of privacy. Today, XX/XX/2024, marks 1 month without Transunion responding and I demand attention to this serious matter.

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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I am writing to bring to your attention a concerning experience I have encountered with Current, an online banking service, regarding the handling of my account and the delay in resolving a critical issue. 

On XX/XX/year>, I initiated a transfer of funds from my XXXX XXXX account to my newly opened Current online banking account, totaling {$3400.00}. This transfer was made with the intention of saving for a significant deposit on a new living arrangement, as my current residence has become uninhabitable due to various issues. The funds successfully reached my Current account on XX/XX/year>. However, to my dismay, upon logging into my Current app, I discovered a small red banner indicating that my account had been locked without any prior notification. Despite diligently checking my email for any correspondence, I did not receive any communication regarding the lock. I immediately sought assistance through the app 's chat function, only to find it unhelpful as I was merely informed that my account was under review. No details regarding the reason for the review, its expected duration, or potential resolution were provided. Frustrated by the lack of clarity and the urgency of my situation, I attempted to contact Current 's customer service via phone. Regrettably, locating their contact information was challenging, and upon finally reaching them, I was informed that their fraud team was investigating the matter and that I would be contacted once a resolution was reached. Despite their assurances, a whole month has elapsed since the funds were transferred into my account, and I am still without access to them. As of XX/XX/year>, I am deeply distressed by the prolonged delay and lack of communication from Current. I am in urgent need of these funds to secure alternative housing and have shown considerable patience in awaiting a resolution from the institution. However, the continued absence of clarity and access to my funds has placed me in a precarious financial situation. I implore the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Current provides a swift and satisfactory resolution. My ultimate desire is to have the funds returned to their original source, as the current circumstances have caused undue distress and inconvenience. 

Thank you for your attention to this matter. I trust that your intervention will lead to a fair and expedient resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
I am writing to file a formal complaint regarding unauthorized hard inquiries listed on my credit report, which is in violation of my rights under 15 U.S. Code 1681b and The Privacy Act of 1974. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization, whether written, unwritten, verbal, or non-verbal, as permitted by 15 USC 6802. 

The following unauthorized inquiries were made without my consent or authorization : XXXX. XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. XX/XX/XXXX - XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX These inquiries were conducted without any permissible purpose as defined by the aforementioned statutes, and their presence on my credit report has negatively impacted my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against the entities responsible for these unauthorized inquiries. Furthermore, I demand that all credit reporting agencies immediately remove these inquiries from my credit report to prevent any further harm to my credit standing. Thank you for your attention to this matter, and I anticipate a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
XX/XX/XXXX Freedom Mortgage and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX  NOTICE OF MOTION FOR RELIEF FROM AUTOMATICSTAY AND ABANDONMENT OF PROPERTY, PROVISION DIRECTING RESPONSE THERETO, AND SETTING HEARING ON OBJECTIONS, IF ANY Court was to be XX/XX/XXXX, at XXXX The Trustee in Bankruptcy Objected to the Motion and to bring proof on the date in question and no proof was given and so the attorneys above withdraw their motion and came after me in civil court. with a different attorney XXXX XXXX XXXX XXXX and XXXX XXXX date filed XX/XX/XXXX because Trustee was going to take the home and sell it and pay the Creditor Freedom Mortgage money due, they refused and had the attorneys withdraw. This is not my Debt I have a letter from them that I'm not a party of interest nor Heir or relative to borrower { Ex-Wife } I'm not a cosigner/co borrower, not on Home, not on Taxes, not an Executor of Estate, nor successor, nor Deed/Title on nothing. I'm an Ex-Wife Divorced 27 years ago in XXXX and we went our separate ways, I didn't live with the Deceased I was XXXX miles away in a different county, never knew he had a home, and today a server came and smacked papers in my hands for a lawsuit from freedom mortgage because the Bankruptcy didn't work. If plain A didn't work do B I was told by the FTC and CFPB that the parties above can't come after me and EX WIFE and they are, and Freedom Mortgage took no for an answer. they have been lying to all parties.to get at me like they said sorry but I'm not responsible for his debt.

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 2024-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
" There is need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This is listed in the Fair Credit Reporting Act 15 USC 1681 section 602. I have the right as a Consumer to make sure my privacy isn't being violated by being shared by such consumer reporting agencies such as XXXX, XXXX, and XXXX. 15 USC 6801 states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' None of the consumer reporting agencies, financial institutions, XXXX XXXX XXXX XXXX, Capital One, nor XXXX XXXX have my consent to furnish this information. They also never had my written consent. Whether it be verbal, non-verbal, written, or implied in any other fashion any and all consent is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, Capital One, XXXX XXXX never informed me of my right to exercise my nondisclosure option. It is also stated in 15 USC 1681C ( a ) ( b ) that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' states in 15 USC 1681e. XXXX, XXXX, nor XXXX are maintaining reasonable procedures. As a Consumer I have the right to opt out at any given time according to 12 CFR 1016.7, and have decided to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ABSOLUTE CREDIT  LLC
State: PA

Complaint narrative:
After doing research, this business is not legally licensed to collect in the state of Pennsylvania which is whats needed to be able to collect a debt. Also, this is a medical collection. According to the CFPB, any medical collect that is under {$500.00} isnt legally supposed to be on my credit report and has to be removed. 

In addition, this company is violating my rights this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and Absolute Credit LLC is in clear violation. 

For this reason, I am requesting debt validation, the purchase agreement between the original creditor and your company and lastly please provide proof that your company is licensed and bonded. Please cease all emails, calls and other forms of communications unless you can provide this information in full.

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