vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: MO

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the follwoing items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2022 I reported to Huntington bank that I was scammed through XXXX for {$560.00}. After calling in and being transferred to the digital department, I explained the incident to the lady who was very nice and a soured me they would look into it. I then informed her that I had documentation ( a text transcript of the scam ) but she said that they did need it because XXXX cases are pretty open and shut but if they did they would send a letter requesting it. She then provided me with a case number # XXXX and that was it. I waited about a week then I received a letter saying basically they werent going to refund the money. Which I believe isnt fair because they never reviewed the text proof that I had of this being a scam so now Im out {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 explanation
Consumer complaint received 2022-08-16 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: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
For the last XXXX months, I have been sending certified letters in regards to the XXXX XXXX and XXXX XXXX to all three bureaus, Experian XXXX XXXX XXXX and XXXX XXXX I have sent multiple letters in regards to a filing error that I noticed on my credit report. According to the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There is a clear discrepancy between all three bureaus in the payment history. XXXX is reporting a 30-day late, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while XXXX and Experian reporting an on-time payment. XXXX payment history is also incomplete. The dates for 30-day and 60-day are not consistent throughout all three bureaus.

I will attach the letters that I have mailed out, as well as screenshots of my credit reports. 

I am demanding that all payments are updated to paid-as agreed, as the payment history is not consistent. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please someone help me. My money has been stolen and Wells Fargo allowed someone to access my account and take all my money. Around 2 years ago Wells Fargo reached out to me and told me that someone had information, all my information and was conducting transactions on my account. Which at the time I closed that account and opened a totally new account. There was a password placed on my account and I was ok for a while. Some where along the way my password was removed from my account. And the fraud started again. I have had to file multiple claims on fraudulent transactions on my account. I have a XXXX and I told Wells Fargo about this and they still continued to ignore my cried for help. I told multiple tellers that something was going on with my account which they assured me everything would be ok and taken care of. Which was a lie. They let someone once again steal all my money and said it was me. Totally unfair and not true. I want to close my account but I really need help as again I have a XXXX and Wells Fargo has fully taken advantage of me. They fully knew that someone had and still apparently does have access to my information because they are the ones who alerted me. Please someone help me as I have nothing now because of me trusting in Wells Fargo and them continuing to lie to me and telling me they will protect my money. I have been a Wells Fargo customer for over 15 years.

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 2022-08-16 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: MA

Complaint narrative:
An unauthorized account with the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, XXXX, TransUnion and the creditors wont fix the problem even with a police report and a FTC 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 2022-08-16 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: MA

Complaint narrative:
An unauthorized account with the name of XXXX XXXX XXXX and a XXXXXXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, Equifax, XXXX and the creditors wont fix the problem even with a police report and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX 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 2022-08-16 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: AR

Complaint narrative:
I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$130.00} Open balance XXXX XXXX XXXX Original creditor

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 2022-08-16 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 The following Creditors have violated my rights : Absolute Resolutions Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXXXXXX Account no. XXXX XXXX XXXX XXXXt Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account no. xxxxxxxxxx 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 2022-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX, XXXX Account no. XXXXXXXX XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account no. xxxxxxxxxx 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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020

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 2022-08-16 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022, a fraudulent charge ( + XXXX XXXX XXXX # XXXX XXXX XXXX ) appeared on my credit card for the amount of {$40.00}. 
On XX/XX/2022, I contacted Meriwest Credit Union and informed them that this charge was not made by me and my credit card was stolen. 
On XX/XX/2022, I received a new credit card from Meriwest Credit Union. 
However, on XX/XX/2022, Meriwest Credit Union reversed the provisional credit to my account. I tried explaining to them several times that this charge was not authorized and me and credit card was stolen, but they refused to listen.

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 2022-08-16 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
When first fraud charge comes, I had to call the creditor to report fraud activity even XXXXXXXX XXXX XXXX XXXX XXXX  makes this incredibly inconvenience of having to call them repeatedly. When account was closed and new credit card number was sent. I thought that was it then second fraud charge from same merchant comes, I called them again because their live chat won't help, just keep asking XXXX person to call them again. I told them again of everything. Account closed and new credit card number sent once again and third time, I'm still seeing fraud charge from XXXX. I explained everything to live chat and live chat is still asking me to call them again to no solutions end.

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 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC
State: PA

Complaint narrative:
Texted me at XXXX p.m. which is a violation of fdcpa.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2022 a unauthorized ATM withdrawal for {$400.00}. was done at the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. I called my bank ( Chime ) and was told nothing could be done until the transaction was out of pending status. XX/XX/2022 the transaction was no longer in pending status so I call the bank again. This time I was transferred to the dispute department. I answered all the questions and was told it could take up to 7 days for the dispute department to process. Early on XX/XX/2022 I checked my account to find the transaction was no longer in dispute it was completed and denied. Again I contacted the bank and was told by customer service and also the supervisor of customer service that they could not tell me why this decision was made. I checked my e : mail and found a memo from Chime stating because the transaction was done at a XXXX and I usually use XXXX atm ( never ever in XXXX XXXX ) they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NJ

Complaint narrative:
I had identity theft on my social security number, name, and my personal l information such as different addresses. Which compromised my credit report being hindered and myself taking a hit on my social and name. Which is defamation of my name and character.

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 2022-08-16 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: AR

Complaint narrative:
I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX  Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor {$130.00} Open balance XXXX XXXX XXXX Original creditor

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