vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
I hope this letter finds you in good health. I am writing to report a serious matter of identity theft that has recently come to my attention. It has come to my knowledge that my ex-husband, has unlawfully stolen my identity and opened fraudulent accounts without my consent or knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am providing this information to you with the intention of taking immediate action to rectify this situation and to investigate the identity theft incident thoroughly. I did not authorize or have any knowledge of these accounts, and I have never conducted any business with the aforementioned institutions or individuals on these accounts. I believe my personal information was used fraudulently to establish these accounts, which is a criminal offense.

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 2023-09-07 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: IL

Complaint narrative:
Notifed company of possible identity theft due to data breach but now I seeing a lot of inaccuracies on 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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did a wire transfer on XX/XX/XXXX of {$15000.00} from my Wellsfargo bank account to a XXXX XXXX XXXX recipient. The account and counting number was accurate however the beneficiary name used in the transfer was XXXX XXXX ( Business Owner ) instead of XXXX  XXXX ( Business name ). I reached out to Wellsfargo to make the amendments on XX/XX/XXXX. I was told it will be done and the recipient will get the Money by XX/XX/XXXX. I called XX/XX/XXXX to open a case and requested a refund Claim # XXXX, I was told it will take XXXX working days. I called on XX/XX/XXXX and XX/XX/XXXX and was told it would take XXXX business days which was a different information. I said okay. XXXX working days was XX/XX/XXXX. I Called again - still no update I was told it was assigned to someone XX/XX/XXXX and no update. I walked into the branch on XX/XX/XXXX still no update. My wire transfer fee of {$25.00} was refunded XX/XX/XXXX but my {$15000.00} was not refunded. I called again XX/XX/XXXX and was told they are busy and do not need to look into the file until its the XXXX working day which to the representative started counting on XX/XX/XXXX when he received the file not when I opened the case. I said okay so where is my money? he said they need to investigate, I said what have you been doing since I opened the case? he said hes been busy, today XX/XX/XXXX I Finally got an official communication telling me they do not have an update and they need time to investigate I should give them another XXXX business days which will be XX/XX/XXXX. This delay has cost me loss in my business, emotional stress and discriminated against because I am XXXX. I would like to hold Wellsfargo accountable.

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 2023-09-07 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: LA

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

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 2023-09-07 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: LA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On or around XXXX to XXXX I saw a lot of pre- approvals on Credit Karma , at first I didn't pay it no attention, but Credit Karma kept sending me all sorts of different pre approvals telling me that I was pre approve for credit cards, personal loans and that I can refinance my car. Every day I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was in the perfect place to apply. I got so many offers through Credit Karma that I start to telling my entire family about vacations and investments we where going to use these pre approvals for .So I finally applied on or around sometime in XXXX and I got denied of XXXX credit cards and a personal loan, I was very distraught and very very angry and I felt deceived. I was market for months Credit Karma was telling me that I was pre approved, Credit Karma told me that I was approved this was a lie. I was severely stressed out I was XXXX  for weeks, I had XXXX so bad that I XXXX for months, my XXXX  went from XXXX XXXX XXXX Now every time I see pre approval I immediately close my phone and shut my computer off, this has made me so uneasy and XXXX  that I haven't check my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: IL

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate infromaton for the account listed DEPTEDXXXX  Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We went into the bank on XX/XX/XXXX to report fraudulant activity on our savings account and to close the account. The bank filed a claim. Fraud investigated and saw that their was suspicious activity on our savings account prior to what we noticed and were reporting to the bank. The fraud department reviewed our account, gave us a temporary credit for for {$1.00} which covered the initial debits to our savings account ( in which we never noticed ). 
XX/XX/23 {$1000.00} XX/XX/23 {$1300.00} XX/XX/23  {$1400.00} XX/XX/23 {$960.00} XX/XX/23 {$530.00} XX/XX/23 {$420.00} XX/XX/23 {$540.00} XXXX/XXXX/23 {$640.00} XX/XX/23 {$300.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$1.00} Our savings account is not tied to anything. All of the debits were done by hacking and scam. We filed a complaint with XXXX and have requested an investigation. We have put a freeze on all 3 credit reporting agencies, are changing banks, have registered for life lock for monitoring on all of our financials. 
XXXX and Chase both are denying reimbuising us and just tell us to contact the other company. We have been loyal customers to Chase bank for over 20 years and can not believe this happened to us. We cant believe that Chase bank is not taking responsibility. Public record they were hacked last XXXX after we did some research trying to find out how this happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-09-07 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

XXXX XXXX XXXX pulled my credit on XX/XX/2023 and I did not authorize this inquiry. This is a fraudulent inquiry. 

This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy.

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 2023-09-07 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

XXXX XXXX XXXX pulled my credit on XX/XX/2023 and I did not authorize this inquiry. This is a fraudulent inquiry. 

This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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:
I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am disputing the following collections Accounts XXXX XXXX XXXX XXXX XXXX I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debtThe FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not correctedit could have severe implications on my credit worthinesswhich is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made XXXX different charges on my Care Credit account. On XX/XX/2023 {$1100.00} which has a minimum payment due of {$39.00}. On XX/XX/2023 {$750.00} which is interest deferred. On XX/XX/2023 {$1400.00} which has a minimum payment of {$50.00}. On XX/XX/2023 {$1900.00} which has a minimum payment of {$67.00}. The total minimum payment is {$150.00}. On XX/XX/2023 a payment of {$39.00} was paid to the {$1100.00} charge. On XX/XX/2023 a payment of {$180.00} was paid as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$30.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. Every month I have to call and ask my payment to be allocated correctly as stated above. Everything was fine until my XXXX payment was not allocated. I called in XXXX and spoke to a woman manager who said it was requested in their system but it was not done by accounting for some reason. She said she will tell them they missed it. I called again in XXXX and spoke to another woman manager who said it was still not done and she will ask them to fix it. Once my account updated the person who was supposed to fix the problem made it worse and now instead of my {$750.00} charge showing a balance of {$280.00} it shows a balance of {$6.00}. That means someone took the money that was paid to the other accounts and incorrectly applied the money to the {$750.00} charge instead of only applying {$140.00}. So now I am being charged interest on charges that I already made payments towards. I called XX/XX/2023 and spoke to a man manager who was very short and rude and would not help me, so now I am filing this complaint. My account should reflect the following : {$750.00} charge had payments of {$30.00}, {$140.00}, {$140.00}, {$140.00} leaving the balance of {$280.00}. {$1100.00} charge had payments of {$39.00}, {$39.00}, {$39.00}, {$39.00}, {$39.00} leaving balance around {$900.00}. {$1400.00} charge had payments of {$50.00}, {$50.00}, {$50.00}, {$50.00} leaving the balance around {$1200.00}. {$1900.00} charge had payments of {$67.00}, {$67.00}, {$67.00}, {$67.00} leaving the balance around {$1600.00}.

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 2023-09-07 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
I received credit notifications today, XX/XX/23, that there were new Hard Inquiries that I never made, on XX/XX/23. I called both banks and advised them it was attempted identity theft, they were very friendly, helpful and understanding and provided tips, including contacting the credit agencies, in this case Experian, who had reported the Hard Inquiries. I wanted to dispute the credit inquiries and attempted to do this online with Experian, but for these types of disputes I would have to call. So I called and they asked me questions that were odd and impossible to answer, how am I supposed to know what the fraudsters stole? I just know there are hard hits that aren't mine and the banks even confirmed that they used the wrong home address for me and denied them. Well, less than 2 hours later I get an email from Experian saying the credit inquiries were valid and will stay on my credit report. They obviously made no such effort to confirm anything and assumed I'm a liar.

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 2023-09-07 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: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. XXXX - XXXX XXXX XXXX has been reporting late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has been aware of issues with people login in to mobile banking, not having access to their money at a bank as well as not being able to using debit cards. They have been aware of this for over a month now. I have done a complaint before and they are stating I had no issues with my account or login which I have had issues going on for the past month

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 2023-09-07 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: TN

Complaint narrative:
According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: TN

Complaint narrative:
According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi my issue is someone applied for several unauthorized accounts in my name XXXX being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile

Company response to consumer: Closed with explanation