vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. 

The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. 

Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My saga with Barclays has been ongoing since XXXX of this year ( XXXX ). It is now XX/XX/. In XXXX, someone used my personal information to fraudulently apply for and open an Old Navyist Rewards Credit Card, and then proceeded to make 3 in-store purchases between XX/XX/XXXX and XX/XX/XXXX for an amount close to {$1000.00}. I called Barclays, who I guess services the Old Navcyist credit cards, to report the fraud. They gave me no information at that time about what information they needed from me in order to prove that this was fraud ; they simply told me they would investigate. They investigated, and determined it was indeed me who opened the account and made the charges. So I filed a police report, reported the fraud to the credit bureaus, and provided this information through the mail to Barclays. Barclays claimed never to have received the information I mailed to them. So, I faxed it to them. I also sent them copies of time- and location-stamped digital photos showing that I was not in the locations where the purchases were made on XX/XX/XXXX and XXXX. I did not have location services turned on on my phone at that time, so I'm not sure how else I can prove that it was not me. They have once again denied my fraud claim and are preparing to send my account to collections. 

This is ridiculous and an insulting waste of my time. My credit history prior to this fraud shows a near-perfect record. I have never opened a rewards credit card of any sort, and though I have made purchases from Old Navy in the past, I have never made a retail clothing purchase for anywhere near the {$700.00} of one of the fraudulent charges that were made to the account. My credit was excellent for my entire adult life until this fraud, and I am outraged. I'm not sure what else I can do to prove that I am not responsible for this account. Hopefully this complaint will 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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
From XXXX to XXXX of XXXX I was charged for a electric bill that I never used.. Its call XXXX XXXX, its in Texas.. I dont live in Texas , and I never been to Texas !!! Its on my credit report as a collect for {$350.00}

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 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Okay I went into the Wells Fargo branch on XXXX XXXX in XXXX Virginia to withdrawal cash that I had received through the XXXX app so I was going to put the money back in my account to get a cashier 's check and they proceeded to tell me they embarrass me in front of everybody but say that I was being scammed and proceeded and I kept saying I'm not being scammed they proceeded to tell me I was being scammed okay and then they freeze my account put a hard hold on it for I can not access any money or anything and tell me that people have requested a refund because it was an unauthorized use of the XXXX app which I got no documentation or proof of and this has been going on 3 weeks now my account was supposed to close yesterday on the XXXX I have not paid my rent because of this I got an eviction notice because of this and they're telling me they're going to keep it open until XX/XX/XXXX in case there's more people there wasn't but three transactions done Wells Fargo this is the second time I've dealt with these people the first time they did the same thing to me same back thing same issue and I think they are to be held accountable because first of all no proof of anything they can't give me no proof I can't even go in the bank and tried to get in my account no longer allowed to have online access you know my rent was due on the XXXX of this month and today is the XXXX and I got an eviction notice because of this that money belongs to me fair and square and they need to pay me my money let me have my money because all this is false accusations and I want something to be done I'm tired of Wells Fargo treating people like this I'm not the only one that's been done like this

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 2023-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The American Express gift card can not be used at online vendors or XXXX XXXX. Declined with no reason given despite the card being advertised to work with these service or refund the balance as cash or check to be actually useable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent in {$37.00}, XXXX to Select Portfolio Servicing to be applied towards my monthly payments which would have covered a total of 12 months, since I already had a partial credit on my account. That means my next monthly payment would have been due on XX/XX/XXXX. Since then I have had nothing but trouble. It began with a phone call from SPS Mortgage saying I was past due on my account for the XX/XX/XXXX payment. I let the representative know that the large payment was to be applied to my monthly payments, representative said okay and she would take care of it. Over the next several months I had several phone calls and letters saying I was past due. I had to continue explaining how the payment was to be applied to several representatives and managers since SPS Mortgage kept reporting me as past due. I was always reassured by Managers and representatives that this would be handled. When the calls continued and past due letters kept coming I finally requested my money back. SPS Mortgage stated they are unable to refund me my money nor can they apply the money towards my monthly payments and that I am now being reported to the credit reporting agencies as past due. I am also to resume my payments or my home will go into foreclosure! I didn't know what to do so I sent in 2 more payments in XXXX of XXXX to cover the past due months and SPS Mortgage is now expecting me to make my next payment on XX/XX/XXXX. My credit report is down by XXXX points because of the past due reporting which is now affecting my other credit accounts and I can not afford to keep making these double payments. SPS Mortgage didn't seem to care and let me know that if I don't then my home would be reporting as past due, continue getting late fees and added interest and go into foreclosure. Please Help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding my credit report, specifically in relation to TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding certain inaccuracies present on my credit report. To date, TransUnion has not responded to my inquiry. I am seeking assistance in rectifying this issue. Below, I have outlined the inaccurate information and the necessary corrections : The account under the name " XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX ) does not belong to me. I request that it be removed from my credit report. 


The account attributed to " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, XXXX : {$670.00} ) is not associated with me. Please remove it from my credit report. 


The account in the name of " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) does not pertain to me. I request its removal 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 2023-10-21 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:
There are items that I have identified as identity theft on my credit report. I did not provide written instruction for any of these items to be reported on my consumer 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 2023-10-21 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:
There are items that I have identified as identity theft on my credit report. I did not provide written instruction for any of these items to be reported on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MN

Complaint narrative:
I was with Chime banking for several years. I have tried disputing an account transaction with them from XXXX. 

In the ammounts of {$200.00} and {$1000.00} Intially a few months back I just said forget it. They kept closing the dispute dispite me adding proof. 

They asked me several questions that XXXX would not provide. 

XXXX closed my account. " services not rendered '' Chime has never received any type of refund to my account. 

Chime continually denies my dispute. They claim they are doing an investigation, but several times they came back with a descision with 20 minutes, 30 minutes an hour. 

That is not an investigation. 

I am uploading documents showing XXXX agreed to reimburseme me. " However '' XXXX does not send out personal details as far as the number. This can be seen in my screenshots in there terms and conditions. 

Chime needs to provide me with temporary relief as well as do a full investigation..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Failure to Respond within Requested Timeframe Dear TransUnion, I hope this letter finds you well. I am writing to express my disappointment and concern regarding your failure to respond to my previous letter, dated XXXXwithin the requested timeframe of 30 days. As a result, I am left with no choice but to proceed with legal action against TransUnion LLC. 

Despite providing ample time and opportunity for TransUnion to address the inaccuracies on my credit report and offer fair compensation for the damages incurred, I have received no response or acknowledgment of my concerns. This lack of communication and failure to rectify the situation has only exacerbated my frustration and the harm caused by TransUnion 's actions. 

I want to reiterate the seriousness of the situation and the potential legal consequences that TransUnion may face because of its non-compliance with the Fair Credit Reporting Act ( FCRA ). By neglecting to respond within the requested timeframe, TransUnion has demonstrated a disregard for its legal obligations and a failure to provide the necessary resolution to this matter. 

I am left with no other alternative but to engage legal counsel and pursue legal action against TransUnion to seek the remedies I am entitled to under the FCRA. This includes compensation for damages, legal fees, and any other relief that the court deems appropriate. 

TransUnion 's lack of response has only further damaged my financial reputation and caused emotional distress. I implore TransUnion to take immediate action to address this issue and prevent the need for further legal escalation. 

I expect a written response from TransUnion within 10 business days from the date of this letter. This response should provide an explanation for the failure to respond within the initial requested timeframe, a clear plan to rectify the inaccuracies on my credit report, and a fair and reasonable offer for compensation for the damages incurred. 

Please be aware that any further delay or lack of response from TransUnion will only strengthen my resolve to pursue legal action and seek the full extent of the remedies available to me under the law. 

Thank you for your immediate attention to this matter. I hope that TransUnion will take this final opportunity to rectify the situation promptly and avoid the need for further legal action. 

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 non-monetary relief
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. 

The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. 

Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.

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 2023-10-21 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: FL

Complaint narrative:
I am writing to report an issue concerning incorrect information on my credit report, specifically regarding my interactions with Experian. On XX/XX/XXXX, I contacted Experian about the following inaccurate information on my credit report, and as of today, they have not responded. I am providing the details of the erroneous accounts and the necessary corrections : The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3500.00} Please remove this account 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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Regular Checking Account ending in XXXX Citi Reference Number : XXXX C : Consumer Financial Protection Bureau Case # XXXX CC : Office of the Comptroller of the Currency Case # XXXX Hello XXXX, You recently reached out to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency regarding your concern about Citi, and weve reviewed your request.

Please accept our sincere apology for any frustration this matter may have caused. It is our goal to provide all of our clients with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance.

Upon receipt of your inquiry, a review of Citibanks records and the circumstances surrounding our decision to close your banking relationship was completed. While we are sorry to learn of your disappointment with Citibanks decision in this matter, as outlined in your deposit account agreement, Citibank reserves the right to close an account at any time and for any reason, with or without cause. We apologize for any inconvenience this may have caused.

Please be advised, the attached account closure notice issued to you on XX/XX/2023, informs you the account closure process takes up to 60 days. A {$29000.00} refund check will be mailed to the address listed on the account under a separate cover for your receipt once the closure process is completed. Should you have any additional questions, please contact our Fraud Prevention Department at XXXX, Monday - Friday XXXXXXXX XXXX - XXXX XXXX  CT. 

Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. 

Thank you, Your Citi Executive Response Team 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 monetary relief
Consumer complaint received 2023-10-21 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: Account Resolution Corporation
State: FL

Complaint narrative:
Account Resolution is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times?

According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
Account Resolution is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times? 
According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.

Company response to consumer: Closed with non-monetary relief