vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-24 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: MN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-06-24 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: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Started dispute in XX/XX/year> about my XXXX XXXX, that is showing a 120 days late. 
On my Transunion report, it is saying paid as agreed and showing late payments. 
This is an older account XXXX XXXX XXXX. 

All other credit agency XXXX, XXXX are showing correct information

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
TJ Maxx Mastercard ( Synchrony ) ; On XXXX I received email they were going to start charging $ XXXX/month to receive statements in the mail. I logged into my account and elected to use paperless statements to avoid this fee. I have nearly always paid my balance off in full each month and the card is now always used in any given month. I did not receive an electronic or paper bill the following month. Then, on XX/XX/year>, I received a paper bill, indicating that my account is now delinquent, incurring {$27.00} late charges and {$6.00} in interest charges. I called Synchrony, they informed that they never got the notice to switch to paperless, and that the bill was sent ( though it was never received ). They said they would wave the late charge but would not waive the interest charge. Its ridiculous to charge people to get statements, but even more ridiculous to penalize them when they don't receive them. My credit score is XXXX and I have literally never missed a payment before for anything. I believe this is a deceptive practice they are employing to attempt to extract fees and interest from customers like myself that generally don't pay any of these things based on how they are used.

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 2024-06-24 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: GA

Complaint narrative:
Unauthorized Charge - Claim Number : XXXX I am writing to follow up on my previous complaint regarding the unauthorized charge on my Wells Fargo account and to express my continued dissatisfaction with the resolution provided by Wells Fargo. 

Background : On XX/XX/year>, I discovered an unauthorized charge of {$1000.00} on my account and rightfully reported my card as stolen. Following this incident, I had to replace my phone, phone number, ID, and card because it was all attached to my Phone via XXXX wallet. Wells Fargo initially provided a provisional credit of {$1000.00}, which was later reversed when they denied my claim, stating the transaction was authorized and there was no processing error. 

Response from Wells Fargo : Wells Fargos response indicated that their investigation confirmed the transaction was authorized and advised me to follow up with the merchant for further recovery efforts. They also mentioned that I could request documentation used in their decision-making process. 

Additional Concerns : During a phone call with an executive officeXXXX on XX/XX/year>, I felt as though I was being interrogated when I am the victim. The officer questioned me about emails from XXXX and other details regarding my new phone, which made me feel my words were being twisted because I am not as good with verbally using my words due to my XXXX. This approach was upsetting and made me feel disrespected as a long-time customer. I have been with Wells Fargo for almost 10 years and have never an issue like this on my account. When I have a genuine issue, this is how I am treated? I want to make it clear that I did NOT authorize this purchase. I request that further communication be conducted in writing ONLY, to avoid any further misinterpretation of my words. I will not be taking any phone calls. 

Additionally, I am attaching a photo that shows I had to order a new phone, which also includes the new phone number that has already been linked to my Wells Fargo account. This further supports my claim that the transaction could not have been authorized by me and that I had to completely get a new phone and number.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX I need the credit bureaus to delete all inaccurate addresses from my 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 2024-06-24 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
over the past several months someone is attempting to open Chase accounts under my name. XX/XX/XXXX marriott platinum XX/XX/XXXX marriott platinum XX/XX/XXXX XXXX XXXX  my XXXX  and XXXX  are locked and frozen. i dont understand how these people are still submitting apps under my name. how do i get the information the are using to submit the applications and how do i get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: GA

Complaint narrative:
I took out a XXXX XXXX from Republic Finance for roughly {$900.00} odd dollars. They have an agency XXXX and XXXX garnishing my wages, having me pay them monthly saying that i owe them over {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I emailed advocate XXXX XXXXXXXX regarding obtaining a School Misconduct Discharge Application. I received the following email " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Private Consolidation ) does not meet the criteria for you to receive an application ''. Navient were the ones who recommended consolidation of my private loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I spoke to a bank of America employee XXXX to be exact.. she lied several time. I asked for prove of my signature plus prove of contract of loan. She asked for my email. SS. An said she would provide me an said she HAD ALREADY EMAILED ME ALL PROVE AN IT WAS A LIE. SHE DID NOT PROVIDE ANY INFORMATION. AFTER I CALLED HER SEVERAL TIME WEEK AFTER WEEK AN SHE NEVER RESPONDED TO MY CALLS AFTEE LEAVING SEVERAL MESSAGES. XXXX XXXX AN A LIER. I NEED BANK OF AMERICA TO REMOVE THIS WRONG ACCUSATIONS OF MY CREDIT REPORT. THEY HAVE FAIL LIED AN REFUSE TO CORRECT THEIR MISTAKES.

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 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I found someone withdraw XXXX dollars from my checking account from mobile APP. Since I were not in XXXX and was alert this is fraud for faked check. I asked my wife to call wells fargo to claim a fraud. Wells Fargo closed this account and build a new checking account and let me transfer all money to the new checking account and tell me they will investigate this claim and will give me result in next XXXX business days. On XX/XX/XXXX, I came back to XXXX and just go to wells fargo local branch in XXXX XXXX ( since wells fargo sent me feedback email for XX/XX/XXXX service but I were in XXXX! ) to ask them and want to have video record ( I guess someone did it in this branch since I got feedback email for this branch ) so I can give record to police ( I called XXXX when I were back in XXXX ). When I were waiting in the line, I found another XXXX dollars have been withdraw in branch from the new checking account. I am so hurry and asked mangers to for help but they let me wait and tell me we don't have time. I feel so frustrated and go to police department then I call wells fargo claim center again. Wells Fargo play a game for me in the next 5 days, I call them they just said it is still under investigation and we will notify you but I lost XXXX dollars in total and need money to pay my rent, XXXX and tuition. feel so helpless!!!.

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 2024-06-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Complaint Summary : I am submitting a complaint regarding being locked out of my SoFi account, which resulted in significant inconvenience and financial risk while I was traveling. Additionally, SoFi 's response to my formal complaint about this issue was inadequate. 

Details of the Complaint : Issue : Locked Out of Account Incident Description : Date of Incident : XX/XX/year> Date Access Restored : XX/XX/year> Communication with SoFi : On XX/XX/XXXX, I was locked out of my SoFi account and immediately contacted SoFi customer service by phone. 
Despite explaining the urgency of my situation ( traveling and needing to access funds for essential expenses ), I was told to submit a request through the online form. 
The representative informed me that they might get back to me in 2-3 days. However, I did not receive any response until XX/XX/XXXX, which is one week later. 
During this period, I repeatedly called customer service, but each time I was told that nothing could be done over the phone and that I had to wait for a response to my online request. 
Impact : I needed funds urgently while traveling to cover important expenses. Fortunately, I had another debit card and access to other cash, which prevented a potentially disastrous situation. 
Being locked out of my account and the lack of timely assistance put me at significant financial risk and caused considerable stress. 
SoFis Inadequate Response : Upon returning from my travels, I submitted and escalated a formal complaint seeking compensation for my negative experience. 
SoFi simply denied my request with a generic response stating " apologies for any inconvenience, '' which is inadequate and does not address the severity of the issue. 
Requested Resolution : Monetary Compensation : {$300.00} for the significant inconvenience, financial risk, and inadequate assistance provided. 
Formal Apology : A formal apology from SoFi for the inconvenience and stress caused. 
Improvement in Customer Service : Assurance of improved customer service and better handling of such situations in the future to prevent recurrence. 

Contact Information : Name : XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I need the credit bureaus to delete all inaccurate addresses from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX - They claim in XXXX of XXXX someone named " XXXX XXXX XXXX opened a credit line of {$4000.00}. 

This is FALSE : - At the time of XX/XX/XXXX, I was XXXX XXXX XXXX. 
- I was a XXXX. 
- Also my name is " XXXX XXXX '', - My last name is one word " XXXX '' XXXX, they have the incorrect name. 
- XXXX did verify that the account was not mine and took it off of my account with them. Yet somehow XXXX refuses to take it off of my account. 

I have never, nor has anyone in my family, had any credit line with XXXX XXXX. It says someone paid off parts of this credit line and used some of it, that was not me. As, again, I was a minor and " XXXX '' is not my last name. By the way, I got my first ever credit line at the age of XXXX in 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 2024-06-24 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: TX

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