vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Discovered on XX/XX/2023 several fraudulent ACH transactions in an Wells Fargo account I manage for a XXXX XXXX XXXX. There were a total of 8 unorthorized ACH tranactions for credit card payments totaling {$33000.00} which started in XXXX XXXX 2023. Upon notifying the bank they returned 2 transactions for {$4500.00}. The remaining they told me could not be reimbursed because they were not notified soon enough. The local bank manager put me intouch with another department within the bank and they said they would contact the credit card companies and try to get the remaining money. They were only able to get another {$11000.00} leaving {$16000.00}. After several calls and promises of call backs that never happened and finally last week I was told the case was closed and we would be out the {$16000.00}. The {$11.00} returned was from transactions in XXXX and XXXX well beyond the limit on notifications. We opened this account last XXXX and other than the fraudulent activity their were no checks or credit card transactions. This leads me to believe our information was piriated internally at Wells Fargo. Also there is a remaining tranaction of {$9000.00} that has no institution associated with it and Wells Fargo can not provide that information.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Subject : Response to Complaint Regarding Account Number XXXX Dear FNBO Thank you for reaching out to us regarding your account, with the last four digits [ XXXX ]. 

I acknowledge that I received our letter dated XX/XX/2023, in response to my complaint. Im dissatisfied with your decision to deny my claim based on the mentioned in the letter. 

I have requested signed agreements or signed sales drafts as evidence for the charges in question. I did not make said charges and will not pay for something I did not do. I will seek legal action if these charges are not revered and credited back to my account or all documentation to determine whether I made/benefited from them. 

If this is not updated and removed from my credit I will be forced to seek legal counsel as this is harming my credit. I look forward to either charges being reversed or copies of all sales drafts that arent credited back. 

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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:
Good Afternoon, I am writing to you as a concerned consumer regarding certain inquiries or " hard inquiries '' on my credit reports that were not performed by me. I would like to respectfully request that steps be taken to remove these inquiries from my reports to the appropriate credit bureaus. 

As a consumer, I have the right to an accurate and truthful credit report under the Fair Credit Reporting Act ( FCRA ). This law establishes that credit bureaus must maintain accurate and up-to-date information about consumers, and must only allow legitimate inquiries on credit reports. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to protection against the collection of unfair or misleading credit information. 

I would like to stress that I did not authorize or request any of the inquiries in question. These inquiries are not representative of my credit history or my financial interactions. Since these inquiries are not legitimate and are not supported by my consent, I request that they be removed from my credit reports immediately. 

It is essential for me as a consumer to maintain a clean and accurate credit report. These unauthorized inquiries could negatively impact my ability to obtain credit in the future and may undermine my confidence in the credit system. Therefore, I urge the CFPB to take prompt and effective action to address this situation and remove these inquiries from my credit reports. 

The inquiries that I do not make and appear on my credit reports are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I thank you in advance for your attention and cooperation in this matter. I hope that the CFPB will take the necessary steps to ensure that my rights as a consumer are fulfilled, in accordance with the laws mentioned above. 

I look forward to your prompt response and satisfactory resolution. I appreciate your time and attention to this urgent 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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:
In addition with the fair credit reporting act Has violated my rights. 

Account # XXXX Re Late payment 15 U.S code 1681 section 602 A states I have the right to privacy.

15 U.S code 1681 section 604 section 2 also states a consumer reporting agency can not furnish a Account without Mt written instructions.

15 U.S. code 1666B A creditor may not treat Account under open and consumer credit Late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top ten financial institution. As of today, XX/XX/XXXX, I have contacted Citi Bank almost daily for the last 4 months. Although some funds have been recovered... .when Citi identified this as fraud, they only refunded some of the funds and did not include the 2nd checking account that was fraudulently opened. I was told all funds and accounts were included in the original investigation. I was later advised in XXXX after the partial credit, that there was an error and the remaining funds would be immediately credited to my account. It is now XXXX ... 2 months after that clarification, and I still don't have the credit in my account. I have not been able to pay my bills and my landlord has filed eviction. I am in desperate need for this to be reconciled immediately. There are still two outstanding fraudulent transactions that have not been reversed by Citi... The identified this checking account and fraud, and I do NOT have access to see the account, so I do not know the account number that was fraudulently issued, however, the Banker at my local branch was able to see the account and confirmed the amounts that the Fraudster moved out of my account was for {$2400.00} and {$2400.00}. I have exhausted all resources, including visiting the local branch weekly. Please advise on this resolution. Thanks, 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm XXXX years old. I no longer have debt, make no payments, do not have any credit cards. I use only one debit card. I own my 2 homes, 2 cars, furniture and appliances. 

I want to make some minor home improvements. XXXX XXXX was asked by my contractor to open a loan for me to do the work. 

XXXX contacted XXXX for a credit score. XXXX said they have no file on me. 

XXXX denied the loan request. 

I can easily prove I have been a responsible debt payer ( utilities, healthcare, taxes etc ) for about 60 years. And previous had mortgage and car payments as well as 5 credit cards. 

I want XXXX to issue a Credit Score for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To Whom It May Concern : Hello my name is XXXX XXXX XXXX. 
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2023-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was XXXX in XXXX XXXX and my phone was stolen from my hand. The next day i woke up to my email noting that i was subject to fraud. The person who XXXX me somehow reset my XXXX and got into my XXXX XXXX on my phone and liquidated my bank of America account. I have provided policy reports, signed Afadavits and screenshots of my email to Bank of America and they keep denying my claim. They are stealing my money even thought it's clearly fraud and have all the evidence to back it up.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault

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 2023-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: OK

Complaint narrative:
I was pre-approved for a home loan from Veterans United, I had tried to buy a house once before but things didn't workout. I told them when I started this time I wanted a new realtor and bank lender. They gave me a new realtor but said i had to keep my bank lender. I asked why he said because he has your case and worked it before, I explained that i didnt like and trust my lender before. But they still put him on my case. Once i started looking at homes my amount was not disclosed to me which was strange but i knew i wanted something around XXXX  which i could afford. I was still able to pick a new home that I liked. It took sometime to build but during the process I turned in all my paperwork needed early or one time. I paid all my fees that was asked or stated. When ever I had questions that I needed the bank lender to ask i could never get a hold of him days or weeks would go by. I told my realtor and she complained about him also, I had a feeling he wasn't working my case because every estimate he gave me the numbers where always different or way off. They couldn't find paperwork that I had turned in. I had to tell them where to find it on there website. They didn't communicate with me at all, it was a constant game of me trying to find my bank lender and get answers. Once the house was finished and we where suppose to close the lender ran my credit again and then stated oh you have a automobile payment which I told him before and we discussed. He started to act weird as in unsure, when it was time to close the dates kept changing and I was asked to be patient. They had already instructed me I could move out my rental place because the home was almost done so I put my notice in. Little did I know we might not close and they said I should trust then I could still move out and they would reimburse me for the hotel. I was scared because they didn't honor anything they had told me before and if I sell my stuff and move out if I don't get the home me and my family would be homeless. The only thing they told me was be patient trust them. I then get a call stating if they can't get the deal done can I get my rental back after they said trust them, so I would have lost all my furniture, key house hold belongings, and etc. Veterans United has almost made me homeless and I just wanted to become a homeowner. I'm a 1st time buyer and this was a nightmare and it seems like Veterans United doesn't have any accountability or cares about veterans.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. 12 US Code 83 ( a ) and ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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. 

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 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 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