vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
While I was out of the country. Dates when I went to XXXX XXXX. I noticed many unauthorized transactions occurring on my checking acct. There transaction also occurring at different locations ( XXXX XXXX XXXXXXXX ) which I was not is those locations. I called my bank immediately and filed the fraud claims. During my stay in XXXX, I received an email stating that the found no error on those transactions and closed my claim. Once I was back in the XXXX. I called my bank to figure out what happened to my claim and they simply said after the investigation, we have reviewed and find that there was no error made or see any suspicious transactions on your account. Claim has been closed. They say theres nothing further they can do. Perhaps try reaching out to the merchants and file a claim with them. PLEASE HELP ME PLEASE!!! I really need my money. Thank for your help in advance! 
Below are the amount and dates for all the unauthorized transactions : XXXX XXXX XXXX 
XXXX. {$140.00} XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX {$83.00} XXXX XXXX XXXXXXXX XXXX. {$110.00} XXXX XXXX XXXX. 
XXXX. {$96.00} XXXX XXXX XXXXXXXX XXXX XXXX {$73.00} XXXX XXXX XXXX XXXX 
XXXX. {$11.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$67.00} XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX {$41.00}

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 2024-06-29 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: NJ

Complaint narrative:
On XX/XX/XXXX i reviewed my credit reports and discovered that 3 accounts that were idenity theft

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 2024-06-29 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:
On XX/XX/XXXX i reviewed my credit reports and discovered that 3 accounts that were idenity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: Kikoff Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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:
I have tried contacting this company about this account, my identity was compromised. To remove these fraudulent account off my report, i even tried to pay it off it still there. 

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 2024-06-29 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: IN

Complaint narrative:
I have tried contacting this company about this account, my identity was compromised. To remove these fraudulent account off my report, i even tried to pay it off it still there. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: AZ

Complaint narrative:
I have a near perfect credit score. I applied for a credit care thru XXXX XXXX XXXX California Nevada. I was denied because XXXX " could not verify the Social Security Number or alternative identification number '' I provided in my application against information they " obtained from the credit reporting agency '', Experian. I was advised to call Experian at XXXX. I reached an automated answering system that, when I tried to get an explanation, could not offer any explanation and said that it was not possible to speak to a " representative '' at all. I logged onto the Experian website and found there is no freeze on my credit, and no way to contact anyone at Experian to troubleshoot. It is therefore completely impossible to figure out why I can not apply for new credit cards.

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 2024-06-29 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: SC

Complaint narrative:
I am writing to express my concerns regarding several issues I have experienced with the credit bureau. These issues include billing errors, inaccurate credit reporting, multiple unauthorized inquiries, incorrect address listings, and accounts that do not belong to me.

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 2024-06-29 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: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 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 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am having an issue with the company Venmo releasing my funds on my account. For almost four ( 4 ) weeks, I have been attempting to get Venmo to correct a credit card issue with their system. I was able to accept credit card payments using their system. However, their system WILL NOT release the funds to me. I have alerted the company to the issue, yet, they have yet to correct it ; however, they refuse to correct it. I need to know when will the actions of this company be considered theft of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

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 2024-06-29 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: PA

Complaint narrative:
According to FCRA 605B, you must delete any incorrect accounts from my credit report. Could you examine the documents? Several accounts listed have reporting inaccuracies, including amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Remove these inquiries, as I have no knowledge of them, and the company acted without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self Finical/LEAD XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX Number : XXXX This company is reporting inaccurate information on my credit report thats Violating my rights as a consumer. They have violated many laws based on the information they reporting on my credit report. I have reached out to the agency All XXXX credit bureau, XXXX XXXX and XXXX and I have yet to receive any type of response besides this account been violated. This account is inaccurate This company never sent me a 1099-C form for the write off of my debt but yet this Account is showing up on my report when In reality, the agency already wrote this account off on their taxes. Im requesting that this account get removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX, XX/XX/XXXX, I opened a Chase total checking account using an online promotion that promised to pay me {$300.00} after I received {$500.00} in direct deposits. I opened the account and set up direct deposit with my employer. My check was deposited successfully, then suddenly I was unable to access my account via the app. I reached out to Chase to XXXX  that my account was locked for suspicious activity that they couldn't explain and that the only way to unlock it was with my debit card which hasn't arrived yet. Once I received my debit card I called them and was told I had successfully verified and that the account would be unlocked soon. Instead, chase abruptly CLOSED the account with no explanation and told me that a check would eventually be sent with the amount of my direct deposit. This prevented me from accessing my money for several days. I visited my local chase branch to attempt to resolve the issue. I provided them with the promotion code for the {$300.00} offer but instead of reopening my account the opened a new one. It turns out that instead of opening the correct account that qualifies for the promotion they instead opened an account called " chase secure banking '' which doesn't qualify for the offer. 

I believe that the bank illegally discriminated against me.because I just turned XXXX and haven't had any accounts before. So this incident resulted in me not being able to access my funds ( as of today the check STILL has not arrived with the balance of my account ), AND they seem to be withholding the {$300.00} bonus offer that I should have been entitled to by closing my account and then opening a different kind of account in the branch. 

I want Chase to be accountable for their mistakes and honor the {$300.00} promotion that I had signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: VA

Complaint narrative:
On around XXXX of XXXX, I opened at Discover IT secured credit card. I opened the card with a {$300.00} security deposit. As time went on, I expected the card to graduate to a non-secured card and be converted into a regular card. Upon graduation of the card to a non-secured card, I would receive my deposit returned. The graduation never occurred. On XX/XX/XXXX, I closed this account with no balance or pending charges on the account. The account had {$300.00} of {$300.00} available. Upon closing the account I called customer service to inquire when I might receive my deposit returned back to me. I was informed it would be at least two billing cycles plus ten days. I feel this is absolutely absurd considering there are no outstanding charges and/or pending charges assessed to the account. I feel my deposit should be returned to me in a much more timely manner than in excess of sixty ( 60 ) days. It didnt take this amount of time for Discover to receive and apply my deposit upon opening the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I would like to dispute off the following negative accounts on my credit report. 

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 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 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 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 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 2024-06-29 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: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: PA

Complaint narrative:
FCRA 605B obligates you to remove any incorrect account from my credit report so please check the documents, as some of the listed account have inaccuracies in reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 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 non-monetary relief
Consumer complaint received 2024-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion, I got a letter from you saying the accounts listed below were verified or modified. Can you send me a description of what you verified or modified. 

XXXX. XXXX XXXX XXXX XXXX XXXX : Account # XXXX : Please provide a description of the procedure of the investigation used to verify this account. 

XXXX. XXXX XXXX XXXX : Account # XXXX : Please Provide a description of the procedure of the investigation used to modify this account. 

XXXX. XXXX XXXX XXXX : Account # XXXX : Please Provide a description of the procedure of the investigation used to modify this account.

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 2024-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Robinson & Hoover
State: OK

Complaint narrative:
These people are Corrupt. I do not owe I'm not paying anything. These people know that the car was returned they did not provide the title within 30 days. They did not do what they were supposed to do. They are making false claims about something that I do not owe. They are capable of murder they are participating in a conspiracy to commit murder, they're lying, one of the attorneys is having an inappropriate relationship with another attorney, and they're paying people under the table to get judgment that they feel benefits them. Stealing money from me. I am working on getting charges filed against this lady and these people. XXXX XXXX continues to report information that they know is false and is not correct they have not verified it just because somebody sends you paperwork saying that this and that doesn't mean that it is valid and it's not valid I've disputed it several times but it's okay because like I said karma is a XXXX and I'm coming after y'allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are running a Ponzi Scheme Fraud so is Robinson Hoover and Fudge. They file hundreds of thousands of lawsuits against people every day. They sold a car that was defective knowing that I could seriously be injured or the XXXX causing death. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also falsifying records and lying to try to extort money out of me. The attorney XXXX XXXX XXXX which they transferred over to is also a co conspirator and is also participating in a conspiracy to commit murder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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