vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
repetitive Baseless phone calls and Delay tactic letters. No form or sense of a resolution. 
This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products. 

Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 

Unaddressed Past Issue : Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for XXXX days. 

Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. 
Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date..

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 2024-10-22 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: NJ

Complaint narrative:
I received a credit monitoring alert today, Tuesday XX/XX/2024 that I have a credit inquiry from : XXXX. 

I did not apply for nor authorized this company to pull and access 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 non-monetary relief
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$230.00} 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My wife and I both opened United XXXX cards, managed by Chase. We were induced to sign up for these cards by an offer on United 's website during the flight booking checkout process. We were promised XXXX bonus miles once we have spent {$3000.00} in the first three months of having the card. 

Chase refuses to honor this promise. I have shown Chase confirmation from United that this is the offer we signed up for, and we have shown Chase a page on United 's website that advertises this offer. Still, they refuse to honor it. 

This is the final step before I file suit in small claims court. I have already rejected the arbitrartion provision in Chase 's contract. I plan to pursue treble damages under the consumer fraud statute. 

You can see the offer below. The card that we both signed up for is the second from the left XXXX XXXX XXXX XXXX I have attached a chat transcript from United confirming that this is the offer we signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX, 2024 I started receiving message about unauthorized charges. I checked my bank app and there were multiple charges from retail stores {$4200.00}, {$1200.00}, {$3400.00} I called my bank IMMEDIATELY!!! At first they were understanding sent a new card and credited it back. Today, almost a month later to my surprise I noticed the charges were back to my card. I was devestated and called my bank again!!! They told me that the case was closed and it was found not fraud Im so confused and I asked them why? Why are they holding me responsible? They just replied, We investigated and closed it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To my disbelief, I discovered this morning that there are accounts on my credit report that shouldnt be there, and Im clueless as to why. I always monitor my report, but suddenly, there are issues Ive never seen before. I refreshed my browser thinking it was a technical issue, but the errors remained. I now ask that my documents be thoroughly reviewed to ensure this never happens again.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im genuinely stunned to find inaccurate accounts on my credit report today, and I dont understand how this could happen. I check my report often, yet this time, out of the blue, discrepancies appeared. I tried refreshing the page, hoping it was just a glitch, but the problem persisted. I need the documents Ive sent to be reviewed carefully so that I can stop worrying about this once and for all.

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 2024-10-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As of XX/XX/year>, all XXXX major credit bureausEquifax, XXXX, TransUnion, and XXXX made it impossible for me to add a personal statement to my credit report despite my repeated efforts to contact each one of them over the past two weeks. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports and to add a personal statement explaining their side of the story if a dispute is unresolved. The persistent failure of these credit bureaus to facilitate this process violates my rights under the FCRA and has left me without a means to ensure that my credit report accurately reflects my circumstances. This stonewalling not only hinders my ability to clarify my credit history but also raises serious concerns about their compliance with federal laws designed to protect consumers. 

Moreover, XXXX, XXXX, and TransUnion have closed out all of my disputes filed directly with each of them without providing me any results or explanations for their decisions. This is a clear violation of the Fair Credit Billing Act ( FCBA ), which mandates that credit bureaus must investigate disputes and provide the results to the consumer. By failing to inform me of the outcomes, these bureaus have disregarded their legal obligations and left me in the dark about the status of my disputes. This lack of transparency is particularly troubling given the serious nature of the inaccuracies on my report, which include incorrect information fraudulently provided by XXXXXXXX XXXX The continued presence of these errors on my credit report has unjustly affected my credit standing, undermining the purpose of the FCBA and FCRA. 

In addition to their failure to provide dispute results, XXXX, XXXX, and TransUnion have perpetuated the misinformation supplied by XXXXXXXX XXXX despite clear evidence that refutes the bank 's claims. The FCRA requires credit bureaus to ensure the accuracy of the information they report. However, by maintaining false information on my credit report, they have further violated my rights under the FCRA. This persistent inaccuracy has not only caused undue harm and inconvenience but also highlights the systemic issues within these credit bureaus regarding their handling of consumer disputes and adherence to federal regulations. The combined failures of these institutions to investigate, resolve disputes within the legally required timeline, and provide necessary information underline the urgent need for immediate corrective action to rectify my credit report and prevent further legal ramifications.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As of XX/XX/year>, all four major credit bureausEquifax, Experian, XXXX, and XXXX made it impossible for me to add a personal statement to my credit report despite my repeated efforts to contact each one of them over the past two weeks. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports and to add a personal statement explaining their side of the story if a dispute is unresolved. The persistent failure of these credit bureaus to facilitate this process violates my rights under the FCRA and has left me without a means to ensure that my credit report accurately reflects my circumstances. This stonewalling not only hinders my ability to clarify my credit history but also raises serious concerns about their compliance with federal laws designed to protect consumers. 

Moreover, XXXX, Experian, and XXXX have closed out all of my disputes filed directly with each of them without providing me any results or explanations for their decisions. This is a clear violation of the Fair Credit Billing Act ( FCBA ), which mandates that credit bureaus must investigate disputes and provide the results to the consumer. By failing to inform me of the outcomes, these bureaus have disregarded their legal obligations and left me in the dark about the status of my disputes. This lack of transparency is particularly troubling given the serious nature of the inaccuracies on my report, which include incorrect information fraudulently provided by XXXXXXXX XXXX  The continued presence of these errors on my credit report has unjustly affected my credit standing, undermining the purpose of the XXXX and FCRA. 

In addition to their failure to provide dispute results, XXXX, Experian, and XXXX have perpetuated the misinformation supplied by XXXXXXXX XXXX, despite clear evidence that refutes the bank 's claims. The FCRA requires credit bureaus to ensure the accuracy of the information they report. However, by maintaining false information on my credit report, they have further violated my rights under the FCRA. This persistent inaccuracy has not only caused undue harm and inconvenience but also highlights the systemic issues within these credit bureaus regarding their handling of consumer disputes and adherence to federal regulations. The combined failures of these institutions to investigate, resolve disputes within the legally required timeline, and provide necessary information underline the urgent need for immediate corrective action to rectify my credit report and prevent further legal ramifications.

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