vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-13 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I received a call from my mom, she was crying and a man told me he had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Long story short and 8 minutes later, I had been forced to send a XXXX and XXXX transaction to this man for {$1000.00} each. After texting my mom 's phone confirmation of the payment, my mom, very confused, called me to tell me she was completely fine. 

I immediately notified Wells Fargo and XXXX. XXXX prevented the transaction from completing within the day and confirmed they did so because it was not considered an " authorized '' transaction. 11 days later, Wells Fargo refused to refund my money and stated it was because I authorized XXXX to make the payment and that XXXX was a third party, one that Wells Fargo was not responsible for. I appealed the decision with Wells Fargo Executive Offices and was refused twice. I also requested documentation of the decision but have yet to receive those documents. When I asked about the fact that Wells Fargo OWNS XXXX and created XXXX from XXXX XXXX XXXX XXXX XXXX ( a corporation created by the major banks ) they did not provide me an answer. I also appealed the decision on the grounds that the Electronic Funds Transfer Act requires financial institutions to refund customers that were forced to withdrawal money from ATMs while under threat/duress and this situation is no different. Again, no response from Wells Fargo. 

I understand I only lost {$1000.00} but I can not accept the fact that Wells Fargo told me it was my fault for using a third-party money transfer company which they own, they endorse on their app and they allow their customers to continue to use despite admitting there are signifcant issues with the program. XXXX is their scapegoat which allows them a loophole to avoid compliance with the Electornic Funds Transfer Act. This further does not make any sense when a company like XXXX, was far less resources, was able to address the situation swiftly.

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
on XX/XX/2022, I received a letter that stated I owed XXXX XXXX  money that I don't know about. the debt collector is Transworld System Inc. on XX/XX/2022. I sent them a debt validation they failed to response to me ( Failure to Validate Letter ) on XX/XX/2022 I sent them another letter and they failed to respond to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On XX/XX/XXXX, I wrote to XXXX, XXXX, & equifax requesting an re-investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ). you will be liable for you willful non-compliance Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I request the following accounts be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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

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 2022-04-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXXXXXX XXXX  XXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
I have a bank account in XXXX ND. DCI froze my account and took 100 % of funds in that account. 
I am on SSDI every dollar I have was from SSDI. 
I have another very old federal bank they did not touch. But I have no available branch. So I transfer to my local bank for better access, I called DCI, they basically said too bad so said and took 100 % of available funds, and have my account frozen. 
This is not legal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me XXXX XXXX, XXXX XX/XX/2020 ONEMAIN XX/XX/2020 ONEMAIN XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear Bank of America On ( XXXX XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XXXX XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.

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 2022-04-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My wife and I received a call from Chase credit cards that they saw what they believed were fraudulent charges on our credit card in XX/XX/XXXX. We agreed that 4 of the charges were fraudulent on our card and therefore closed this card and opened a new card. Chase started the process of fraud resolution and finally noted that they closed 3 of the 4 charges and said they were charging us for the fourth item. This item we were told on XX/XX/XXXX by Chase was considered a legitimate charge and that we need to pay it. This item on our bill was from " XXXX XXXX '' for {$390.00} which is a XXXX XXXX XXXX in XXXX XXXX area. We live in XXXX and have not been to XXXX XXXX XXXX for 20 years. We disputed Chase again with the following email : Chase, We are sending this email to substantiate a phone conversation that was had between XXXX, a representative at XXXX XXXX, and XXXX and XXXX XXXX. After a rebill was presented to the XXXX XXXX and several conversations with Chase, we reached out to the XXXX XXXX XXXX. XXXX said that the charge was made online, the person making the booking had my name, card number, security code, and address. XXXX presented an email that was " XXXX ''. I did not write the email down however, XXXX does have this and it is not associated with my account. We have not traveled to XXXX XXXX XXXX in the past 20 years, and did not get the service that was fraudulently billed. XXXX said he has taken this to the top and there is nothing they can do about it but was very supportive to the fraudulent nature of this interaction. Hoping that police could become involved and check possible camera footage if any exists. 
XXXX and XXXX XXXX So, we received an email today XX/XX/XXXX dated XX/XX/XXXX from Chase indicating that they re-reviewed all the data and we still are responsible for paying for this fraudulent charge to our card.We have been with Chase for 30 years and have never had an issue but this one effects me and my credit. I don't intend to pay the {$390.00} but will pay the other remaining balance and close the card. Can you help here???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, Transunion and XXXX account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent Account # XXXX has violated my rights. 

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.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, XXXX and Equifax account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent Account # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I opened an account with Paypal on XX/XX/2022 and I went through all of the verification and the last portion of it was just confirming my address after that I received an email from them letting me know that my account is permanently suspended so I gave Paypal a call I contacted representative and they stated that my account is going to be permanently closed due to Fax or something she said all the facts from accounts and I was telling the representative that that has nothing to do with my account is a Business account Basically theyre referring my account off of something else Im not Sure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I disputed {$6200.00} for services I did not receive from XXXX. On or about XX/XX/XXXX I was issued a provisional credit for {$6200.00} from US Bank. 

I did not receive any request for additional documents, nothing by mail, email, phone, text, or online notification within the US Bank portal, or from XXXX XXXX. 

On XX/XX/XXXX I noticed {$6200.00} was deducted from my business checking account with US Bank. Upon calling US Bank customer service they referred me to their Cardmember Services Department in North Dakota. I was told at that time US Bank had concluded their investigation on XX/XX/XXXX and mailed me a letter which I should receive within 10 days, On XX/XX/XXXX I called Cardmember Services again and explained I had not received any letters and asked that they read me the address on file. US Bank had erroneously mailed both the document request letter XX/XX/XXXX, and the notification letter XX/XX/XXXX to me personally not my business and they did not include the suite number. On XX/XX/XXXX I asked that the dispute be reopened because US Bank did not follow the proper timeline set by XXXX and upon their own admission mailed both letters to the wrong recipient and without identifying the proper suite number. 

On XX/XX/XXXX I received another letter this one mysteriously now included my suite number which was dated XX/XX/XXXX. US Bank now claims that under XXXX Regulations they have no recourse. I have tried making contact with XXXX XXXX but can not get anything but an auto-response stating they have nothing to do with their own cards that banks make their own rules which is a much different story than US Bank . 

After complaining to CFPB, US Bank CEO XXXX XXXX, Chief Legal Council, and every other federal watchdog I could find I received a letter sent to my home address from XXXX, Office of the President claiming the following ; documents received after allotted time frames and unable to assist per XXXX, the responsibility of providing us with accurate mailing address which they had, and finally in the absence of bank error, we are unable to grant your request. 

I have asked XXXX for a copy of their guidelines and they have refused to answer. 

I believe US Bank did error as they were provided a copy of my business documents which included the suite number. US Bank sent the document request and decision letter to me personally and without a suite number but when I filed a complaint the letters magically included the suite number or were sent to my home.

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 2022-04-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  is reporting that I have XXXX accounts with them XXXX I know I opened in XXXX of XXXX ; the other is saying it was opened in XXXX of XXXX for a loan amount of {$7200.00} but that account is now charged off. If that was my account why would the company turn around and give me another loan less than a year from one another? I have tried to get this resolved with the company and they have done nothing but give me the runaround.

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