vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The bank that issues this card has decreased my limit 2 times now when it gets within a XXXX  XXXX dollars of it's limit. I have never been late nor have I ever gone over the limit but this last time they decreased it it was In conjuction with a payment causing me to go over the limit and making my credit score jump XXXX points. They knew the high fees that they charge would aid in going over the limit. As I stated already I always pay my bills regardless of what my current balance is which is never over it's limit. I have another card with them that was paid off through insurance that I keep on any of my accounts in case I lose my job or injured etc. But I lost my job about 3 years ago which was out of my control and that card got paid off and I was told by insurance company that they disputed it. Just seems odd this bank is only card issuer I've run into yet that decreases ones limit no matter if one pays there bill on time.

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 2024-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024, my online savings account with Wells Fargo bank was hacked. 
A man who identified himself as a employee of the fraudulent department of Wells Fargo Bank ( San Francisco main office ) proceeded to take me through the steps to recover the XXXX XXXX dollars ( my entire life savings by the way ). I followed the steps to recover my savings which of course involved ( the scam ) of transferring the money to XXXX XXXX. 
This incident occurred on a Thursday afternoon and shortly after making the transfer of money, I realized I had been scammed. The first thing I did was to show up at my local Wells Fargo bank ( 9am opening ) and report the scam thinking I could stop the scam within 24 hours ( whenever I pay bills etc. using my online account there is normally a 24 hour wait period ) Anyway, here is where this horrific situation takes an evil turn. Wells Fargo for their part told me I could only report the incident if I would agree that it was NOT BANK FRAUD. 
Seriously, Wells Fargo bank, this is how you treat a 30 year customer who just lost their entire savings ( XXXX XXXX ) For the record, I have tried repeatedly to seek help from Wells Fargo to no avail. 
I have home insurance, life insurance, health insurance etc. but who among us has bank insurance. Wells Fargo is the only one that can help me recover my life savings by declaring that this incident was bank fraud and using insurance to replace my money If you have read this far I beseech you to help me out because I have received absolutely no support whatsoever from Wells Fargo. 
At the very least, on line banking is now going to be a problem for people to be scammed out of their money and the banking industry must provide bank insurance for all customers who are using on line accounts Thanking you in advance for taking on my case, I can be reached at ( XXXX ) XXXX or 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-03 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-03 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: NY

Complaint narrative:
On XX/XX/year> I sent XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-09-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-09-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Data Breach and Violation of Rights Under 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to formally notify you of a recent data breach that has compromised my personal information. Specifically, my name and other sensitive data were included in this breach, which I believe to be a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

According to 15 U.S.C. 1681, I am entitled to the protection and privacy of my credit information. The unauthorized exposure of my personal information due to this breach has caused significant concern and distress, as it puts me at risk for identity theft and other fraudulent activities. 

I respectfully request that the CFPB investigate this matter thoroughly. I would like to understand what measures are being taken to rectify this situation and to prevent similar breaches from occurring in the future. 

Please advise me on the steps I should take to safeguard my credit and personal information moving forward. I would also appreciate any guidance on how to pursue further action against the responsible parties for this breach. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Data Breach and Violation of Rights Under 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to formally notify you of a recent data breach that has compromised my personal information. Specifically, my name and other sensitive data were included in this breach, which I believe to be a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

According to 15 U.S.C. 1681, I am entitled to the protection and privacy of my credit information. The unauthorized exposure of my personal information due to this breach has caused significant concern and distress, as it puts me at risk for identity theft and other fraudulent activities. 

I respectfully request that the CFPB investigate this matter thoroughly. I would like to understand what measures are being taken to rectify this situation and to prevent similar breaches from occurring in the future. 

Please advise me on the steps I should take to safeguard my credit and personal information moving forward. I would also appreciate any guidance on how to pursue further action against the responsible parties for this breach. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
After a detailed inspection of my recent credit report, I noticed multiple accounts that I believe are fraudulent and were added 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
So XXXX and XXXX is reporting XXXX discover accounts on my credit report Experian is not and I dont have a XXXX XXXX with Experian. I want Experian to report those accounts and give me a score. 

XXXX XXXX  XXXX opened XXXX XXXX credit limit {$25000.00} XXXX XXXX  XXXX opened XXXX XXXX credit limit {$9100.00} XXXX Account XXXX opened XXXX XXXX credit limit {$15000.00} XXXX XXXX XXXX opened XXXX XXXX credit limit {$16000.00}

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 2024-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
It is difficult or impossible to communicate with Optum Bank customer service, which is located in the XXXX. The customer service reps can not hear customers because the Optum Bank phone system is chronically broken. 

I made several phone calls today to Optum Bank customer service and on most calls, they could not hear me. I tested my phones by calling other companies and the calls proceeded perfectly. 

This is a chronic problem that Optum Bank has had more than ample opportunity to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MO

Complaint narrative:
My account with ( EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I'm stuck on an endlessly rolling ball of serious banking privacy concerns right now. Here 's XXXX very, very basic issue I'm still trying to understand : This past XXXX, I received XXXX different e-mail alerts saying the Paypal XXXX account linked to my Paypal account was shut down due to " unusual activity, '' and I had to manually reset the account both times. After I received the second security alert for the second night in a row at XXXX AM, I delayed resetting my account for several weeks. I was nervous that someone was messing with my, and my account was just going to keep getting locked every day. I'm now on MONTH NUMBER XXXX of getting ping-ponged between XXXX different companies where I'm just trying to figure out : Why was I getting these alerts?!? Is there some legitimate reason Paypal was manually shutting down my account on those days in XXXX? XXXX was this someone with a weird IP address trying to hack XXXX of my bank accounts, something that's happened to me multiple times in the past? ( and is still currently happening! ) I thought I sent this complaint directly to Paypal on case number XXXX but XXXX ended up intercepting it again. My experience for the past XXXX months has been the following : Anything I send directly to Paypal gets anonymously shut down as " We aren't the company involved in this '' and Paypal says nothing. Anything I send to Paypal XXXX ( as listed on the CFPB site ) OR XXXX  gets a response from XXXX, where they keep saying I need to directly contact Paypal ... when that's exactly what I'm trying to do! And on the lowest rung of the ladder, if I ask this question to XXXX XXXX " wonderful '' lawyers at XXXX XXXX XXXX, they tell me my account was NEVER closed, and I must be making all of this up with my wild and crazy imagination! At the end of the day I'm STILL trying to figure out : What was triggering these Paypal security alerts all the way back in XXXX?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MI

Complaint narrative:
XXXX XXXX XXXX  XXXX : XXXX I am writing to request a detailed description of the verification method followed by your agency to verify this account as it doesn't belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, credit reporting agencies must provide a detailed description used to verify reporting within XXXX  days. Please Delete this account completely from my profile ASAP. XXXX has already acknowledged the error and has updated my credit report with their bureau. I'm requesting that your bureau do the same thing and update 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities.

Company response to consumer: Closed with explanation