vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was charged {$570.00} as a deposit from XXXX XXXX XXXX on XX/XX/23 and have contacted both XXXX and Wells Fargo about the funds being returned. The funds were supposed to be returned as XXXX  days after rental return. I contacted XXXX and they said they have no say in it and advised me to contact Wells Fargo about the situation. I contacted them and have had the claims process started, no information has been given past an email I recieved on XX/XX/23 informing me the process has started. I would like to see if I can have the charge returned to me or have this looked into to make the process go faster than a XXXX XXXX. Their website saying within XXXX  days hasnt been met and I am still missing the {$570.00} from my account. 

Attachment XXXX is the withdrawl for the deposit Attachment XXXX is the charge without the deposit ( from XX/XX/23 ) Attachment XXXX is the charge with the deposit ammount ( XX/XX/23 )

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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Im truly dismayed to see that there are SEVERAL fraudulent and unauthorized credit inquiries that I NEVER permitted on my credit report. I do NOT recognize ANY of the following inquiries and I am METICULOUS when it comes to managing my credit and finances. Please REMOVE these unauthorized inquiries at ONCE!

The following credit bureaus are reporting these unauthorized inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hi! This is a follow-up to my complaint case # XXXX that was never resolved. 

Based on the letter attached in the above case dated XX/XX/XXXX, Ally Bank has elected to charge off our loan and release the lien, and they are in the process of doing so at this time. Today, XX/XX/XXXX, I received a letter from Ally Bank and once again it is about an offer for a resolution to avoid foreclosure. I was expecting to receive the hard copy of the said letter that they will release the lien and charge off the loan. This company has been giving me stress for over a year now. And I thought this would be resolved. Are they trying to trick their consumers and CFPB? They said one thing but did not follow through. They have to stick to what they say in that letter dated 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 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
*XX/XX/2023    XXXX XXXX XXXX XXXX XXXX XXXX XXXX
*XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 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 2024-01-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX

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: NY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I called Wells Fargo for fraud going on live time with my account. I was transferred to Fraud dept. 
The guy/woman I think named XXXX verified the claim was submitted by CS. 
Told me a new card was being resent to me as we speak and it would be 7 days. 
He told me I could go into the bank and write a check to get money and survive until the card arrived. 
I told him the criminal illegally wiped me out and I have a negative balance. A hot check was illegal. He told me nothing else could be done because the transactions were still pending. I asked why would they allow the transaction to post and give the criminal my money but make me suffer vs. stopping the transaction before posting it. No Answer. 
I asked again and he loudly spoke over me ; so I loudly spoke over him to ask my question a 3rd time. I know they can reverse a transaction because they instantaneously did for one by the criminal today. 
He told me I was rude and asked if I wanted his help. I said yes I do, but if you are not going to answer my questions then get me your manager or boss. He again yelled that I spoke over him. 
I told him I had to speak over him because he would not shut up and answer my questions. I asked to speak to his boss then told me the conversation was over and hung up. 
I called back and spoke to XXXX who read from a script and repeated stated the claim was processed and Fraud is handling it. 
The same fraud dept that hung up on me? Im supposed to trust them? How does an XXXX person with XXXXXXXX XXXX ; no means of money or gas or food/water survive while they play thumb wars for 10 days. Again, I was told the claim was processed and they are working on it. So I asked the same question ; why would the first guy tell me to go to a bank location and write a check off an account with a negative balance after someone wiped out my account down in XXXX? Does Wells Fargo want me in jail? Is this how they treat all customers who call to report fraud? They simply hang up on us instead of helping? 
So now I have to wait 10 days with XXXX money ; no food ; no gas ; no means of survival because the Fraud and customer service groups at Wells Fargo refuse to answer or help me other than tell me to wait it out. 

Wells Fargo acts like they care very little for their customers as I have seen a 36 % customer service rating. After how I was treated, I would give a 0 % rating. I am leaving this bank after being a customer for near 30 years and my account being hacked 3 times in last 10 years. They have a security problem.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Your company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2024-01-04 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
1. On XX/XX/2024, I pulled my credit report and discovered how Capital One Auto Finance has been furnishing my income and transaction history, to credit reporting agencies. Per the Internal Revenue Service, " charge-offs '' are considered taxable income and my income is non-public personal information that Capital One Auto Finance has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. Those entities are 3rd party companies. 

2. Due to the said actions of Capital One Auto Finance, I have faced socioeconomic discrimination in regard to credit transactions and I have been injured by their furnishings ( my non-public personal information provided to a financial institution ) of the respondent. I have been denied credit and access to my to my human right of realization pursuant to 42 USC 1981. Pursuant to 15 USC 1681b Permissible Purposes ( 2 ), the respondent was never granted written consent. If in any way the respondent was granted written consent, it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority. The respondent 's unauthorized actions act as unauthorized use of my credit card and the action taken against me has caused emotional damage and distress. It is humiliating and embarrassing being denied my own credit. 

3.Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer may have given the respondent with or without proper consideration, written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 . I was never provided adequate notice that I can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. 

4. If the respondent 's answer to this complaint is served upon me by an attorney or any member of the American Bar Association, I would hope they heavily consider their oath whereas it states " I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. '' Any action against this oath is misconduct and actionable per se.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT : XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX XXXX  XXXX # XXXX ACCOUNT : XXXX XXXXXXXX # XXXX - 15 U.S.C 1681 sec 602 A. States I have the right to privacy.

-15 U.S.C 1681 c ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

-15 U.S.C 1681-2 ( 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 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I just got my credit report on XX/XX/XXXX and I noticed some accounts in my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) at this point I believe theyre are doing this on purpose. According to 15 USC 1681e ( b ) 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. 

They must be blind because everything is inconsistent

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
They have charged me 3 times for one transaction at ATM multiple times, they charged me XXXX in international charged for a company based out of new hampshire. I paid off a loan that took out a payment I did not authorize the amount or transaction.i was at a XXXX balance and they paid it anyway causing over draft fees and are threatening me to cover the charge or they will add more fees and take legal action. I tried disputing a few items on my account that wasn't authorized and they said not there problem.

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 — Account information incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
On XX/XX/XXXX I viewed my credit report on XXXX XXXX. I saw that my XXXX dropped XXXX points. 

EdFinancial/XXXX XXXXXXXX XXXX account decreased by {$83.00} from {$3000.00} to {$2900.00} been XX/XX/XXXX to XX/XX/XXXX This is incorrect. On XX/XX/XXXX I submitted a {$510.00} payment and on XX/XX/XXXX I submitted a payment of {$100.00}. 

My monthly payments are {$50.00} and my recent payment was on XX/XX/XXXX of {$150.00}. Every time I submit a payment pay double or triple of whats due. 

Please view attached documents

Company response to consumer: Closed with explanation