vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: AZ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-28 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/23, I submitted a mortgage pre-approval request to Chase Bank to obtain information on what would be needed for to be pre-approved/approved for a mortgage through them. In the application, I selected that I did not consent to a credit pull. I spoke with a lender shortly after, who requested additional information. After the phone call, My wife and I both received notifications that a hard inquiry had been made on our credit by Chase. I then spoke to the lender again on XX/XX/23, who attempted to mislead me in to believing I had consented to the credit pull on the application. During a second phone call that day, the lender admitted I did not digitally consent, but that I had verbally consented, which I had not. 

On XX/XX/23, I attempted to contact the lending manager regarding this issue and received no return call after leaving a message. On XX/XX/23, I sent an email to the lending manager detailing the situation, their failure to return my call, and requesting contact within 24 hours. The lending manager contact me on XX/XX/23, following the email, and stated that they would begin the inquiry removal and it should take approximately 5 days to remove the inquiry and they would update me with additional information. On XX/XX/23, a member of the Chase Escalation Department contacted me to request details and informed me they would have the inquiry removed. 

On XX/XX/23, after receiving no additional information or contact, I sent a follow up email to the lending manager requesting an update on the situation, as the inquiry was still on both my wife and I 's credit report. He replied and stated that the matter was being handle by the " Executive Department '' and that he would inform them I would like an update and would update me when he had information. He then sent a follow-up email stating it was being worked on and he would provide information when it was available. I also received a second call from the escalation department, and a voice mail, stating it was being worked on. I also received a letter from the individual in the escalation department stating they would have answers by XX/XX/23 ( 30 days past the initial request for removal ). 

On XX/XX/23, I again received a call from the individual in the escalation department, on a recorded line, stating that their solution would be to " mask '' the inquiry so that it would not be visible to a company performing a credit pull, and would not affect my credit score. When I brought up that it was still visible on my report and my score still reflected the pull, I was told that " I could see it, but companies would not be able to. '' When asked when the inquiry would be REMOVED from my report, I was told they could not remove it an only mask it. 

Their actions violated the Fair Credit Reporting Act regarding non-consenting credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I was approved and financed a lemon vehicle with XXXX XXXX XXXX and Westlake Finanical. On XX/XX/23 I purchased the vehicle and shortly after leaving the lot the check engine light appeared. Once I finally got it home oil had leaked on to my driveway. i made several attempt to reach out to my salesperson and the manager with no success. I made a visit today to cancel the purchase and get my deposit and they told me neither option was avalable. They promised to fix the vehicle but I would rather get my refund and return the car and be released from the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: AL

Complaint narrative:
Over the pass almost 2 years, I have contacted Equifax about fraudulent credit checks on my credit report. Each time I summitted a dispute on line they come back the net day and say the inquiries will stay on my credit for 2 years. I did not apply for any mortgage but Equifax is in so many words saying I did apply for a loan from these Mortgage companies. 
I have a freeze and a block on my credit reports all 3 of them and they have been there for about 8 years but still Equifax allowed these companies to check my credit. I have sent mail over the pass 2 years and they sent back by e-mail saying they will stay on my report for 2 years. I have also sent several letters to Equifax about this but I never got any response back from them, it's like they threw the letters away. I also sent form 605B and no response from them. I don't understand why they are doing this. They don't care about anyone 's credit being exposed. They are allowing companies to check my credit without my permission. I also ask them by mail if I could put a statement on my credit report but to no avail. They said I had to write to them so I did but they did not response back to me about this. They are just allowing anyone or company to check my credit. What good a is a freeze and a block on my credit when they are allowing companies to check my credit. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: Informative Research
State: AL

Complaint narrative:
Over the pass almost 2 years, I have contacted XXXX about fraudulent credit checks on my credit report. Each time I summitted a dispute on line they come back the net day and say the inquiries will stay on my credit for 2 years. I did not apply for any mortgage but XXXX is in so many words saying I did apply for a loan from these Mortgage companies. 
I have a freeze and a block on my credit reports all 3 of them and they have been there for about 8 years but still XXXX allowed these companies to check my credit. I have sent mail over the pass 2 years and they sent back by e-mail saying they will stay on my report for 2 years. I have also sent several letters to XXXX about this but I never got any response back from them, it's like they threw the letters away. I also sent form 605B and no response from them. I don't understand why they are doing this. They don't care about anyone 's credit being exposed. They are allowing companies to check my credit without my permission. I also ask them by mail if I could put a statement on my credit report but to no avail. They said I had to write to them so I did but they did not response back to me about this. They are just allowing anyone or company to check my credit. What good a is a freeze and a block on my credit when they are allowing companies to check my credit. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: OH

Complaint narrative:
I seen that the company Sentry recovery and collections had reported an amount for {$2300.00} on my credit report with original creditors being XXXX XXXX XXXX. I called the veterinarian office and they stated that it was only {$120.00} not that outrageous amount which was still over the original {$2100.00} emergency XXXXXXXX total bill amount. I'd already paid all but the {$120.00} because I had caught XXXX that hit me hard. I called sentry recovery and collections and spoke with XXXX XXXX. I informed him that I had contacted the original creditor, and they had told me that the bill is only {$120.00}. He refused to verify the accuracy of the amount owed when had attempted to ask him to verify it, instead he became very rude and stated that I needed to provide proof from 2 years ago and would not investigate the inaccuracies.

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 2023-08-28 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-28 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Monthly fees were charged different amounts on different accounts. I was not spending money or using the accounts as one was an open estate account. Because I was not using these accounts I didnt monitor them until I noticed one disappeared from view, then another went negative. Apparently my banker/advisor is no longer there and my accounts were not bundled even though I had preferred and premier services. 2 accounts went negative and were closed, all accounts had unapproved fees. Ive reached out multiple times and received approx {$110.00} in credits back, Im still fighting with them. Ive lost access to the closed account details and only have access to the statements from the open accounts.

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 2023-08-28 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: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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 remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly 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 2023-08-28 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2023-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a complaint to Capital one in XX/XX/2023 to remove 2 fradulent credit cards opened in my name ending in XXXX and XXXX. I received a letter about a month later saying they will remove the acocunts and that still has not happened. I submitted numerous documents to them proving I did not open or authorize anyone to open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA
State: PR

Complaint narrative:
Hello, I was initially drawn to do banking with XXXX XXXX after learning about their high yield savings account and their " round up '' and " jars '' saving features for saving available through their application and provided with their spending account. I had no issues making an initial transfer of XXXX XXXX to the savings account and after my debit card arrived I decided to make the switch over to XXXX XXXX from my previous banking institution. I proceeded to update my billing information with subscriptions, loans and other bills that I have and I also updated my automatic deposit info from work. I also proceeded to transfer all of my funds ( XXXX ) from my checking account to XXXX XXXX and I also linked and transferred XXXX from my wife 's account to the savings, since we plan to consolidate our savings here. On Wednesday of last week ( XX/XX/XXXX ) an account restriction was placed on my checking account. When I tried to contact XXXX XXXX  via the live agent chat it was not available so I reached out to them via the only other means available, email. In response to my email I received and automated message stating that my account had been placed on a restriction and that it was likely due to having transferred funds from an external account which I did not own ( I'm assuming that would be my wife 's account which I linked through their application ). After I responded back to inquire about the approximate time it would take to remove the restriction, they replied back with the following automated message : Hi Thanks for reaching out! I'm going to transfer you to the correct team and someone over there will be able to help you out. They typically reply within 1-2 business days. You'll get a push notification and/or an email notifying you when they respond. 

Today is XX/XX/XXXX and I have yet to hear back from the " correct team '' which I'm assuming is their fraud department. I also sent follow up emails today to request an update to which I received the same automated response. I did call the number on their XXXX page which has an automated response and says they are only communicating via their chat ( which is no longer available ) and email. Today I also noticed that my transfers have been withdrawn from my previous bank account ( and wife 's ) but are still pending at XXXX XXXX  and I assume it is due to this restriction that they've placed. I've been forced to use credit while I wait and hope for a prompt resolution to this, but I'm afraid that will not be the case and soon I will start defaulting on payments to other institutions and become financially stalled due to this situation.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DFC Global Corp.
State: CA

Complaint narrative:
XXXX XXXX ( Money Mart ) ceased operations in California and refuse to refund my balance. I contacted, them by phone, used password, provided last 4 and haven't changed my address of record. They stated that I have to remember my last transaction which was in XX/XX/2023. 
The outstanding amount is only {$30.00} but the provider is maliciously withholding the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed account : 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 Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX a spoofed call from td bank contacted me acting as a fraud agent on behalf of td bank. They told me my acct was hacked and I needed to open all new accts. I did so bc who was I to question a call from my back. Why would I think it was fraud? I walked the thief through in setting up a zell transaction which allowed him to rob me of XXXX. Td bank fraud dept. will not reimburse the acct saying they can not prove I didn't take the funds out and rob myself and file a claim. 
I filed and official police report and provided all required documentation and they denied my claim 4 times. I have not yet received notice since I filed the police report on XX/XX/XXXX. It's a criminal offense to file a false police report so they are citing me as a criminal. I want my name cleared and I want the money returned. TD bank is aware of this scam and have done noting to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error 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 non-monetary relief