vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, at XXXX pm, I deposit {$590.00} on my saving account, with available balance {$1000.00}, so I take my receipt, and I forget to take my card, so after 3 minutes, I check my saving account, I see that I only have {$73.00}, Somebody withdraw {$1000.00} dollars on my accout, so I call Wells Fargo after a few minute, the took my information, after 3 days, they sent me a message telling me after investigation, there is no error happened on my 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 monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11 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: NC

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On this account, I have consistently ensured timely payments, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

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 2024-05-11 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: PA

Complaint narrative:
Remove these inquiries, please. I have no information about them, and the company carried them out without my consent.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am an account holder with American Express Serve, and recently my account as well as the lohin information was fradulently used. My bank failed to allow timely access by restricting me from updating the information required to bypass the 2-step verification process and resetting the password. This allowed for unauthorized transactions on the account during the period that I was unable to access the account. This incident has now been identified as identity theft, and this includes the past 12 months in which transactions and the tampering and missing of funds have become evident. The bank has been notified and have not made the necessary changes to the account including returning such funds that I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have always ensured timely payments on this account, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..

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 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX. 
( XXXX ) XXXX XXXXXX/XX/XXXXMeta XXXX, XXXX XXXX, California, XXXX ( XXXX ) XXXX I've reached out to XXXX for my account being compromised on the date of : XX/XX/2023 for multiple possible purchases made through my accounts, identity being compromised through their helpline # that turned out to be decisive. Fraudulent. My identity was compromised accounts were opened up, and XXXX never has fixed this to this day or compensated me for my credit being ruined and hardship and loss of money and control over my identity being sold out all over the Internet. Possibly thousands of dollars by using my identity to purchase crypto through my XXXX being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit 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: NAVY FEDERAL CREDIT UNION
State: ND

Complaint narrative:
Since XX/XX/XXXX I have informed Navy Federal that my credit accounts were compromised and my cards and banking info had been stolen and used to make fraudulent purchases. I was told time and time again that this was not true. I was called a liar. My accounts credit and checking accounts were suspended and ultimately put in collections. They shut my access to everything and basically didnt even try to help or even treat me like a consumer. I was called a liar and even when I made XXXX FTC complaints and several complaints with CFPB previously they never made an effort to hear me out. I made Police Reports XXXX of them since XXXX and even sent emails talked to their retention department and fraud department all only to be ignored and theyve even hinted at me somehow being responsible. Well on XX/XX/XXXX I received a message from Navy Federal informing me that the XXXX credit Card I had was found in the possession of someone who was in their custody and they gave me the police department number and a case number so I could talk to them. Police have updated my report and they will be sending it to the States Attorney here in XXXX for prosecution if the individual has indeed stolen and used my card information and still had it 2 years from the date it was reported stolen. I have made so many complaints and yet even still Navy Federal when faced with the truth has no accountability or integrity at all to do what is right to correct their mistake and apologize to me as well as reimburse me for what they called me a liar for. My credit still has not been informed so that they can update my file. This has been 2 years of complete neglect, incompetence, and disgusting behavior from an institution who refuses to acknowledge poor customer service and they continue to treat me and Im sure others this way. Its a shame that a lot of Veterans and their families are subject to this unbelievably horrid service and lack of decent and respect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed errors on my credit report and sent dispute letters to Experian and XXXX XXXX months ago. It's been more than XXXX days, and neither has responded, which violates 15 USC 1681 ( a ) ( 1 ) ( A ).

According to 15 USC 1681 ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their file at a consumer reporting agency, and the agency receives notice of the dispute, they must conduct a reasonable reinvestigation within XXXX  days. 

If they can not correct this issue and accurately reflect my on-time payments, I demand that they remove it entirely from my credit report because it is affecting it negatively.

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 2024-05-11 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 was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from 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 2024-05-11 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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:
On or about XXXX of 2023 I noticed accounts showing up in my credit report. I did an investigation, and found that my identity was stolen and used fraudulently to open various accounts in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my police report and copies of my identity proving who I am and were I reside. I'm trying to buy my first home and it has been a up hill battle. 
Thank you for your time Sir/Madam

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 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
there are some account that is not mines

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 2024-05-11 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: TX

Complaint narrative:
I am writing to address a serious violation of the Fair Credit Reporting Act ( FCRA ) that has occurred. It has come to my attention that unauthorized inquiries were made into my consumer report from various entities without my consent or a permissible purpose. These inquiries are in direct violation of the FCRA, as detailed in [ insert relevant sections of the FCRA ]. 

According to the FCRA, a consumer report should only be obtained for purposes authorized under the law, and without my consent or a permissible purpose, these actions are unlawful. Furthermore, obtaining information from a consumer reporting agency under false pretenses carries significant penalties, including fines and imprisonment. 

In light of these violations, I demand the immediate deletion of the unauthorized inquiries from my consumer report. Additionally, I will seek compensation in the amount of {$1000.00} for each unauthorized inquiry, as provided for under 616 of the FCRA. 
Please find enclosed a list of the unauthorized inquiries made for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To resolve this matter promptly DELETE ALL INQUIRIES or I will seek an attorney and demand {$1000.00} per inquiry violation, I request that payment for each unauthorized inquiry

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Request for Deletion of Collection Account [ Account Number : XXXX ] I am writing to you regarding the above-referenced account with XXXX XXXX XXXX XXXX It has come to my attention that XXXX XXXX XXXX has obtained and furnished my consumer report without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The violations are as follows : XXXX XXXX XXXX has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ).

Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), XXXX XXXX XXXX is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ). 

XXXX XXXX XXXX has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ).

Furthermore, XXXX XXXX XXXX has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that XXXX XXXX XXXX promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action. 

Thank you for your immediate attention to 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 explanation
Consumer complaint received 2024-05-11 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: GA

Complaint narrative:
THIRD ATTEMPT. Third Party Creditors IS NOT LICENSED AND BONDED TO COLLECT ANY DEBT for me IN THE STATE OF GEORGIA AS PER NMLS ( National multi state licensing system ) consumer access. This is illegal Accounts- XXXX XXXX XXXX XXXX XXXX XXXX LL- 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 2024-05-11 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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:
Did not consent to unauthorized items the items were not authorized. 
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 2024-05-11 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: IL

Complaint narrative:
Did not consent to unauthorized items the items were not authorized. 
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 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Account is ID theft. Police report filed and submitted with my CRA disputes. I will also be submitting FTC affidavits regarding identity theft. I have retained legal representation.

Company response to consumer: Closed with explanation