vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The crime occurred somewhere online or either someone had stolen my personal info out of my wallet or back pack or in my mail from moving homes. I'm not sure and I do not know. but I do know is that I have countless transactions and charges on my card and bank account. That were not approved by me. I had filed to reports with my bank and requested what do I need to get this resolved I have never been a situation like this in my life. My bank has locked me out of my own online account to where I can not even view the information I need. along with why my submittals had been denied they can not provide me with information I need. they told me to wait. keep my account open because I can not view the info I need if I close the account. mean while this person has been using my personal info to open accounts move money over to some random account they have open loans in my name liquated the fund in my account and ruin my credit in the proceeds. While im getting behind and struggling to pay my bills. This has has been a domino effect that has just made everything in my life horrible. I do not even know the total amount lost from with the countless fraudulent transactions and loans but what is most alarming is how this person was able to get all the money. open two loans all under the radar without me ever signing anything or seeing anyone how these accounts got opened in my name one from Wells Fargo and the other from XXXX XXXX, then my bank is claiming I created these accounts when I had no clue. I was unaware until i looked closer at my statements I did not know someone was moving money from my account and set up payments for the loans how someone has stolen my identity and was successful at getting these loans taking the money out from my account and ruining my credit is truly mind boggling. Along with that I have been gettin harassment calls threats and and text from random numbers and people. Which has now put a toll on the relationship of the girl Im living with if I get kicked out I can not get approved to live any where with my credit ruing from all the unapproved charges transactions and loans. Its bad enough that she now thinks I'm cheating XXXX from these random number and pictures of girls claiming to know me from these malicious spam like texts and calls. As well as Wondering why my credit had been ruined when it was so good before. This experience had been a defamation of my character I cant explain the pain suffering this has created in life I havent been able to think straight since all of this has happened.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an offer from American Express for a pre approval I applied for the card and it was declined. When I checked the reason it was an error page with no explanation. Also when I was logged on I noticed 3 previous applications that were declined. From XX/XX/2023 to present. I recognize 2 of the applications in XX/XX/2023 and XX/XX/2023. The others were not authorized by me. The offers were deceptive and misleading when it applies to good credit and your score. My score is over XXXX with Good credit .When I read one email from them without the error. It stated that my denial was because I had collections and inquiries and it didnt make since because at that time that was not correct. And the rep I spoke to completely Bias and I was XXXX to get a denial by her tone with me telling me people like me dont get approved often only middle aged white individuals and that I have audacity inquiring about a card with there company when I was sent the offer. 
The unprofessionalism was real and she hung up on me when I asked to speak to her supervisor and would not give me her name,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: IN

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 2023-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 2023-11-22 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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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 2023-11-22 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2023-11-22 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: IN

Complaint narrative:
On XX/XX/2023, I noticed an inaccuracy on my credit report. I am not liable for The XXXX XXXX XXXX XXXX. This account is not mine. I did not signed into a contract with them. I have a right to privacy. Any credit reporting agency can not furnished an account without my written permission under the FCRA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: MI

Complaint narrative:
I have two ( 2 ) different copies of a XXXX XXXX acct/trade with data as reported by Experian : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both show the CORRECT last payment made for the account : {$150.00} on or around XXXX XX/XX/XXXX. A screenshot of the acct/trade with Experian taken on XXXX XX/XX/XXXX shows an incorrect last payment and date " {$80.00} as of XX/XX/XXXX " with a status update of XX/XX/XXXX. What this implies is the account/trade was CHANGED after XX/XX/XXXX in response to a prior dispute. However, the sticky information was preserved to maintain the account/trade in my Experian consumer file with false/misleading/inaccurate information. The CO annotations can only exist with respect to a Date of First Delinquency ( DoFD ). According to the Experian data, the CO status and monthly " CO '' derogatory indicators for this acct/trade shows as XX/XX/XXXX. I have Payment History reports supplied by XXXX XXXX from XXXX XXXX of XXXX for both XXXX and XXXX. Taken in conjunction wih the transaction notifications suppied to me by my financial services company, AND XXXX XXXX, it is clear the misapplication of the one-hundred XXXX ( XXXX ) dollar payment ( supposed to apply to the account/trade disputed here, XXXX ) was applied to another account XXXX. This single misapplication caused the account to be charged-off which is unfair and unlawful. Moreover, the account/trade is not being reported with maximum possible accuracy. The error on XXXX XXXX part caused the CO and thus to persist the CO payment status and/or the monthly payment history/status that indicates a CO XXXX XXXX XXXX XXXX see attached " XXXX  ). XXXX XXXX has a history of failing to correct consumer files for their student loan portfolio ( see attached CFPB XXXX XXXX XXXX " XXXX '' and see attached " XXXX '' ). Thus, the accoun/tradeline needs 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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The balance due for this account is not the correct amount that is reporting on my credit report. The last statement for this card was {$650.00}, which has already been settled and discharged with the IRS. I'd like to ask for the original creditor to verify with the last statement for this account under UCC Article 9 that shows {$700.00} as the balance due on this account with the proper remittance so that I can properly settle this account or please delete this account immediately as it is inaccurately reporting under the FCRA.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am writing to express my immense frustration and disappointment with the customer service provided by American Express in relation to my Hilton Honors Credit Card, which includes the XXXX XXXX benefit. I have encountered a critical technical issue with the registration of my XXXX XXXX, and despite opening four separate cases with Amex in the last five weeks, I have yet to receive a satisfactory resolution to this matter. The first case was initiated on XX/XX/XXXX ( case number XXXX and XXXX ), and I was initially told that it typically takes 7-10 days to resolve such issues. However, it has now been well over 5 weeks, and I have not received any updates or progress reports from Amex regarding the status of my case. This is not only unacceptable but also extremely inconvenient for me, as I rely on the benefits associated with my Hilton Honors Credit Card, including the XXXX XXXX. When I called Amex seeking assistance, I was met with further frustration. The customer service representatives could not provide me with a specific timeframe for when the issue would be resolved. I was simply told to wait, which is not an acceptable response, given the extended time it has taken to address my problem. Furthermore, there was no offer of any alternative solution or workaround to mitigate the inconvenience I am experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello on XX/XX/XXXX  complaint # XXXX I filed a complaint against all three credit agencies about stuff being reported on my account as in accurate. I assumed that XXXX was on all three of my credit reports, but it's only on one. I don't know how they have a alleged debt on one credit report but not on the two others. I would like for EXPERIAN to remove XXXX off my credit report for inaccuracies. and for not doing a proper investigation on the complaint. I haven't heard anything back from EXPERIAN.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting that I have an eviction on my record but I dont. They reported to a tenant agency that I have an eviction and I dont and I have hard inquiries on my report that I havent made.

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 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Issue : Capital One credit card late payments reported. 

In accordance with the Fair Credit Reporting Act, Capital One has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please provide me with a statement of account with proper remittance for this credit card under Article 9 of the UCC that verifies the amount of a {$410.00} late payment being reported on my consumer credit profile. If the original creditor can not provide that documentation, please delete this account immediately as it is inaccurately reporting under the FCRA.

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 2023-11-22 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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC
State: SC

Complaint narrative:
SRS called saying I allegedly owe a debt and it was placed with them by a client of theirs. 2 of their debt collectors hung up the phone on me while I was talking ( which was very rude and unfair ). The 3rd guy, XXXX whom Id spoken with, I asked him to transfer me over to his manager or Supervisor and the phone went silent for a few minutes, he didnt try to transfer me over but as soon as I said they are being recorded as well, I heard him immediately say hold on while I transfer you and a few seconds later the manager came on. They want to talk but when I start talking about their unfair practices, they hang up the phone as I continue to talk. As I talked with the manager, he was very rude, unfair, and the conduct was very much abusive with repeated infliction of verbal abuse, such as the use of derogatory remarks and insults, saying I need to stay off XXXX and XXXX from watching credit gurus. I felt very much insulted, belittled and they insulted my intelligence. I know the laws and I research FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ) all the time. I told the manager I do not watch XXXX  and he insisted on trying to tell me that I do and that I watch XXXX and that I need to stop listening to it. Why is it that when a consumer who knows the laws, they talk to you as if you are uneducated and they are the only ones who know the laws? They were intimidating and deliberately tried to undermine my work and reputation and I honestly feel SRS was out to oppress me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: CA

Complaint narrative:
So theres 2 problems here I did not know I can file a complaint this way, I had a total of XXXX charged to my account through cash app which was connected to my debit card unauthorized transactions that I did not make my self or allow anyone else to make. I had the physical card on me. XX/XX/XXXX was the first unauthorized transaction in the amount of XXXX dollars to XXXX  XXXX XXXX and between that date and XX/XX/XXXX there were a total of 11 transactions totaling XXXX that was sent to this person that I do not know and have no business with. I reported this to Wells Fargo before 60 days had past the last transaction that was made on XX/XX/XXXX of 2022 I made the report on the Transaction XX/XX/XXXX of XXXX  and my claim was denied for a reason unknown. To me. 

The second incident was a withdrawal in the amount of XXXX or XXXX Im not 100 percent sure on the number because I cant access my account anymore due to the closing my account after reporting these fraudulent transactions. I used my Wells Fargo card for a down payment on a car from XXXX so when the money was deducted from my account I didnt think twice about it about 30 days later I get a letter from XXXX XXXX saying if I dont resolve the balance of my down payment my car will be repoed. So I go back and look at the transaction and apparently someone was able to withdraw the money from my account and Wells Fargo denied my claim with nothing on their findings and on top of that closed my account after reporting it to them.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief