vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I hope you're doing well. I'd like to briefly explain my situation. 

I recently received a promotional email from Wells Fargo, which led me to enroll in their program. 

I went to their branch at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, to open a savings account. During my visit, Wells Fargo employee XXXX XXXX made an error while setting up the account. ( How Wells Fargo describes the situation ) Subsequently, I began receiving letters about money laundering. I visited various Wells Fargo branches to resolve this issue, but despite assurances from branch managers that everything was sorted, I continued receiving these concerning letters. I sent three complaints to XXXX and XXXX, but the responses seemed automated and unhelpful. 

After six visits to Wells Fargo offices, I decided to close my savings account. Both managers ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) assured me the matter was resolved. 

However, I recently received another notice from Wells Fargo. I believe I am being unfairly targeted because of my XXXX  nationality. I have lived in the XXXX since XXXX, have never left the country, and have earned all my money legally here. I pay taxes to the XXXX government and am not responsible for the actions of the XXXX  government. 

This will be my seventh visit to a Wells Fargo office and my fourth complaint. Please investigate this matter. 

Warm regards, 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 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I have a collection account reporting on XXXX and XXXX for an account that does not belong to me. I have contacted the collection agency, the bureaus and the creditor. The creditor told me they had no record of an account with me. I have requested to have the account removed from my credit report multiple times, but it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have recently checked my FICO score and it seems that XXXX XXXX has placed a derogatory mark on my score. The XXXX XXXX student loan division does not even exist anymore. They have never corrected the error in my credit report, and this is negatively impacting it in a huge way. 

I have received a 1098E in the XXXX tax year and the loan was disbursed/forgiven. XXXX XXXX however has claimed this as a 1099C, and I also had to pay the IRS for the forgiven amount for the claimed 1099C as income. 

I am very unhappy at this point and demand XXXX XXXX take this derogatoryremark away from my credit report as soon a possible. 

To my surprise, I found out that XXXX XXXX STUDENTLOAN HAS BEEN PENALIZED by CONSUMER FINANCE in XXXX and was ordered to pay XXXX to the consumer andwas ordered to " CORRECT ERRORS ON CREDIT REPORTS '' The company itself was penalized for fraudulent activityand seems like it keeps doing it by destroying itsprior clients credit reports. I wouldlike this to be removed as soon as possible.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have recently checked my FICO score and it seems that XXXX XXXX has placed a derogatory mark on my score. The XXXX XXXX student loan division does not even exist anymore. They have never corrected the error in my credit report, and this is negatively impacting it in a huge way. 

I have received a 1098E in the XXXX tax year and the loan was disbursed/forgiven. XXXX XXXX however has claimed this as a 1099C, and I also had to pay the IRS for the forgiven amount for the claimed 1099C as income. 

I am very unhappy at this point and demand XXXX XXXX take this derogatoryremark away from my credit report as soon a possible. 

To my surprise, I found out that XXXX XXXX STUDENTLOAN HAS BEEN PENALIZED by CONSUMER FINANCE in XXXX and was ordered to pay XXXX to the consumer andwas ordered to " CORRECT ERRORS ON CREDIT REPORTS '' The company itself was penalized for fraudulent activityand seems like it keeps doing it by destroying itsprior clients credit reports. I wouldlike this to be removed as soon as possible.

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 2024-06-23 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:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
The company XXXX XXXX has repeatedly called me on different phone numbers so every time that I block one phone number they call from a different phone number. I have already attempted to pay any debts with a debt consolidation and two of the companies refused any negotiation so I ended the debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-06-23 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: Westlake Services, LLC
State: TX

Complaint narrative:
My information was used for an unauthorized inquiry performed by Westlake Service Inc on XX/XX/year>. Westlake Service fraudulently opened an account on XX/XX/year> in the amount of {$15000.00}. A vehicle was purchased at XXXX XXXX XXXX in XXXX, NC. I have never been to XXXX, NC. I found out that my information was part of the XXXX data breach. I contacted XXXX XXXX XXXX and they have not provided evidence of how they verified identity. They are unwilling to provide any information. I have contacted Westlake Service regarding this account, and they could not provide evidence on their process to verify identity. I have submitted several disputes with all credit bureaus. Westlake Service needs to take responsibility for their fraud, and remove the inquiry and the account from my credit report as I am a victim of fraud. I have filed and Identity Theft Report with the with FTC and my local sheriffs office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-23 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have recently checked my XXXX score and it seems that WELLS FARGO has placed a derogatory mark on my score. The WELLS FARGO student loan division does not even exist anymore. They have never corrected the error in my credit report, and this is negatively impacting it in a huge way. 

I have received a 1098E in the XXXX tax year and the loan was disbursed/forgiven. WELLS FARGO however has claimed this as a 1099C, and I also had to pay the IRS for the forgiven amount for the claimed 1099C as income. 

I am very unhappy at this point and demand WELLS FARGO take this derogatoryremark away from my credit report as soon a possible. 

To my surprise, I found out that WELLS FARGO STUDENTLOAN HAS BEEN PENALIZED by CONSUMER FINANCE in XXXX and was ordered to pay XXXX to the consumer andwas ordered to " CORRECT ERRORS ON CREDIT REPORTS '' The company itself was penalized for fraudulent activityand seems like it keeps doing it by destroying itsprior clients credit reports. I wouldlike this to be removed as soon as possible.

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 2024-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In 2017, a government-backed debt security was used to give rise to a beneficial interest for SYNCHRONY FINANCIAL once credit was acquired by the trust estate in the amount of {$2500.00}, without deliberation with the trustee of said estate. This demeanor advertised by SYNCHRONY FINANCIAL has confirmed deceptive sales practices, in concurrence with indications of illegal insider trading. The institution in dialogue is beneficially inherited by other corporations that have no explicit relation to the trust estate. 

Through the exclusion of material facts, SYNCHRONY FINANCIAL has undervalued the equitable interests of the trust estate, causing damages. Their exclusion of material facts has caused them to devise a scheme to defraud, using the United States Post Office for the purpose of executing a scheme on a government-backed security.

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 2024-06-23 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: NC

Complaint narrative:
I wrote to TransUnion informing them that XXXX  closed this account on XX/XX/2024, which I am unfamiliar with and unsure why it appears on my consumer file. TransUnion received the letter on XX/XX/2024, but I have not yet received an explanation from them regarding the account. As per FCRA section 605b, it is against the law to report information on my credit report without my consent. I kindly request that they remove it from my credit report. 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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A fraudulent navy federal account was open in my name at the time I was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
A self credit account was fraudulently opened and used in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-23 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Not sure there is 2 collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: KY

Complaint narrative:
This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: WI

Complaint narrative:
Fraudulent accounts on 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 2024-06-23 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: LA

Complaint narrative:
I do not recognized these credit inquires and I have asked for them to be removed and the bureaus did not do as I asked. I'm providing an identity theft report which I will attached to this. I'm requesting for them to be removed because they are inaccurate and are not mine.

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 2024-06-23 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: PA

Complaint narrative:
I did not give any consumer reporting agencies written permission to furnish XXXX XXXX XXXX accounts on my consumer report XXXX XXXX XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer

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