vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-03-29 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: OR

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MD

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Good Morning. This is my XXXX  attempt to reach out to you. I have gave the lender everything they needed with the Documents and I always keep in touch with them as well. The last Document they needed was occupancy of my home. Which I sent already. I just went to Doctors yesterday and got my results back. I have XXXX. and so does my Son. I can hardly move, my whole body aches, and I can't swallow, sore throat. My younger Daughter will probably get it next. I hope you take this claim seriously. Because this is really serious and hard for my Family and I to lose our home. I have XXXX XXXX XXXX lined up for Interviews. But I need to fight this virus and take care of my kids so I can get back to work. We have also need to XXXX. Doctors my Doctor said. We really want to save our home not sell it. Please help! Thank you!

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I made a wire transfer from my chase checking account on XXXX XX/XX/XXXX the amount of XXXX XXXX Dollars and send it over to my own foreign bank account in XXXX. Overseas  I have a dollar account meaning when I send money from U.S I will get dollars in the foreign country. I contacted my bank in XXXX and asked them to double check if there is money holding they double check from XXXX 's the money is not there either. they have check all of their system. 

I went to chase bank on XX/XX/XXXX to asked them if they can provide XXXX Document in which the branch supervisor said we don't have that document it only produces this document when chase is receiving the money and in my situation you are sending money so we don't have that document. 

its been 10 days I would like to know where is my money? I also need to add on I did a online wire transfer and the bank account name or address has not been changed at all and I have done many transactions to the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: SC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2023-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Two charges of {$280.00} were flagged. Got a call selected option that said not authorized/recognized. Waited for rep, and never got one. PNC tells me different things, and I am overdrawn. I can not even dispute at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In the description of " What happened '' there is a statement not to send sensitive data, and later in the instructions there is a box later to attach files. I am not sure what I am really supposed to do. I have files to support my claims and will forward them on request. 

Wells Fargo BankHas failed to close a CD I opened years ago. I have submitted proper paperwork and have copies which are not to be included in this complaint by CFPB guidelines. Wells Fargo completed an " investigation '' and failed to refer to two of the three facts stated in my complaint. Additionally, they did not request copies of the paperwork submitted XX/XX/XXXX from their branch office and by their branch office. 

Wells Fargo states in their response that I need to return to the branch office for assistance. Three sentences later the Wells Fargo response states that the banker was not able to proceed with the applicable form. I have a copy of said form completed by XXXX XXXX Phone XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Which he took to the back of the bank and was supposed to have faxed to the back office. And returned to me stating he did fax it to the back office. 

Obviously XXXX XXXX did not fax the form that was completed by him on his computer XXXX while the back office was on the speaker of my cell phone directing him how to complete the form. 

Additionally, not addressed in the response from Wells Fargo is the fact that I opened a CD account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At that time a form was forwarded to Wells Fargo to transfer all funds to said account. As of XX/XX/XXXX these funds have yet to be transferred. I also have a copy of that form also which by XXXX statement I am not to attach to this complaint. 

I continue to be frustrated with Wells Fargo Bank and their flagrant denial to close this account. Wells Fargo 's banking practices are why I am, and have been trying, to close all accounts with them. 

Agin, because the proper paperwork was completed on XX/XX/XXXX and was supposed to have been faxed by a lying Wells Fargo banker with a bad attitude. I request to be compensated of lost interest from XX/XX/XXXX to present. 

XXXX XXXX XXXX Refer to original complaint of XX/XX/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 2023-03-29 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Card opened under my name on XX/XX/2023 with limit of XXXX. Its a chase card. I have XXXX  Chase cards and this one is not mine, nor under my credit card app on my phone. I have contacted my credit score apps. It seems tk being paid so is not hurting my score too much but this is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In XX/XX/2022 I cancelled my account and had the credit card company close my account. Now I am seeing that they are attempting to charge me a yearly fee of {$100.00} for that same account / credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Some one stole my debit card and atm n stole money i informed wells fargo n they end up putting my account in the negative after they gave me a temporary credit for purchases i didnt do. They also closed my account after fraudulent account been going on.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Every month Im charged and charged and Im not happy with the stress they cause when I go to get money out of my account. Ive had a couple of times Im at the grocery store and my card decline and I know I have money in the account and they still charge me the NSF fee

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I had moved from XXXX  to XXXX  during covid for work because i had lost my job in XXXX. I called the title max store in XXXX  every chance I got to tell them everything that was happening. I got behind a few payments because of my job loss, moving and covid. It didn't help that my loan didnt go down any due to the high interest rates. I was very transparent with the title max store in XXXX XXXX  while I was living and working in XXXX. Apparently I was too transparent because after a few hours of being off the phone from the XXXX XXXX  title max store, my car was repossessed that night. My sons car seat was in that car, he couldn't travel anywhere being XXXX  years old without his car seat. I gave almost all the money I had to try and pay my loan and after they took my car I had nothing left. This was during a time people were understanding about covid and job loss. They took my car 2hours away to XXXX XXXX  to sell at a auto auction. I was able to get another loan from a family member to buy my car back. The manger acted like he was being helpful and acted like a friend. They even make sure everyone does a 5 star review on XXXX before leaving with your title loan athe the XXXX XXXX  location. I updated my review to show how poorly he treated customers in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
On my credit report, a payment shows pending for XXXX XXXX XXXX  XXXX. XXXX. 
This loan was applied in error, but repaid within days, much before the due date For some reason it is still showing in my Equifax report and maybe in XXXX report as well which has affected my loan requesting interest rates to go high and bought down my Credit score I have also been affected financially, and have faced a loss of almost XXXX lakhs  in an online fraud investment scheme Request you to rectify it, and I would appreciate a compensation of XXXX lakh  for causing stress and being charged an additional 2 % of the loan, and being rejected by banks to repay the fraud amount. 

I am under serious stress right now, with the anxiety caused due to being rejected by banks, being a victim of fraud, and unable to pay because of low credit score I am also in discussion with the local Police authorities in my area, and in the process of filing an FIR for the same

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX XXXX I received a phone call customer service number from chase saying my debit card was being compromised. Then they text me a link from chase and the person went into my account and did 3 wire transfers and me as a customer that same.day i.notify chase fraud department and went into a branch. XXXXhase refuse to.denied my claim and did not help.me.with this claim.

Company response to consumer: Closed with explanation