vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We ( spouse & I ) purchased washer & dryer at Best Buy approximately XX/XX/XXXX. They applied {$3000.00} to a Citibank credit card and we paid the balance with cash ( {$1200.00} ). The balance included XXXX pedestal drawers, delivery, installation, installation parts, & 1 haul away. These were top of the line XXXX front loading appliances. We understood that delivery would take place in the not too distant future. We were notified later that the washer & pedestals were not yet available but they would deliver the dryer with the washer and pedestals would come later, which we agreed to. Upon arrival and un-crating, it was obvious that dryer was damaged. They ( Best Buy ) offered to leave dryer, as it was operational and they had already removed the old dryer from the basement, until they could bring a replacement along with washer & pedestals. Next at a later date, another damaged dryer was delivered. We refused delivery. This happened yet again and we refused again. Then they delivered a damaged washer. We refused delivery yet again and canceled the entire order when prompted to do so if we desired. So they removed their dryer and we sought out a different vendor. During this time span, we paid on the Citibank card regularly, XXXX payments totalling {$400.00}, not to mention the original cash payment of {$1200.00}, which we reasonably expected to be refunded. Since the cancelation of the order, we have not been refunded the {$400.00} and have been hounded for payment of balance due of varying amounts from {$190.00} to {$1700.00} ( +/- ). Plus interest accruing! We are to a point where we have no idea who to dispute to or what to dispute when it all is so simple. Since they have refunded the {$1200.00}, cancel the balance due and refund our {$400.00}! We had already disputed the balance due as well as the {$400.00} to Citi and the man agreed that it was a simple calculation and there really should be no dispute. He said we should here from Citi within 90 days. We're not even sure who we are dealing with, Citi or Best Buy. Help! 

Order numberXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE ON MY CREDIT FILE AND THEY ARE NOT AUTHORIZED. THEY DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION WITH INK SIGNATURE TO ACCESS MY INFORMATION. THESE ACCOUNTS NEED TO BE REMOVED ASAP PER LAW COMENITYCAPITAL/PETCOMC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Beginning of XXXX I was a victim of card theft the perpetrator withdrew money money from my account at a atm. Chime denied my dispute 5 times even after I provide documents that they ask for. They did no investigation denied my dispute within 6 days. I asked for video footage which could possibly help identify the person seeing my card was stolen at a establishment. Chime employee made bias statements. And it seems they dont even do there job just deny me. I submitted a police report and a written statement to chime. They also never send me anything of why my claim was denied which was requested several times.they denied my claim 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I insist, without any delay or excuse, that you promptly correct these accounts from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.

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 non-monetary relief
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I insist, without any delay or excuse, that you promptly correct these accounts from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct these accounts immediately : XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year> someone accessed my account and wire transferred my entire balance out and into some other account that isn't mine and I don't have access to. I submitted a fraudulent charge claim on the fraudulent transaction and they closed my account and opened a new one, but they refused to return the stolen money. 

Someone stole almost {$30000.00} from my account and they are just telling me to deal with it, and that it is a legitimate transaction by me. I have told them adamantly that I have no idea what this is or who could have done it. I was hoping they would be able to pull the money back from wherever it went since I told them it wasn't me. I was hoping I wouldn't just lose out on {$30000.00} of my hard earned money for whatever reason... 

This fraudster/thief was able to wire my money to some account and do it in a way that made it look legit. This kind of fraud has to be stopped or so many people will lose their money to thieves... I'm guessing maybe they pretended to be me and maybe had an account in my name or maybe they had access to my email or phone number somehow? I don't know what they did but they bypassed Pentagon Federal Credit Unions security measures in order to access my funds and clear out my entire account and just get away with it. 

I think PenFed should pull this money back from wherever it went and tell that merchant or bank that it was sent there fraudulently, and they are in possession of stolen money .... 


I have also filed a police report, and I'm doing everything I can to prove these aren't legitimate transactions like they claim they are. Can Penfed pull this money back somehow and leave whoever received the stolen money on the hook for the XXXX? I don't care what you need to do but this was my life savings and its was just stolen from me. I will attached the police report as well as the letter I got in the mail telling me these transactions were legitimate...

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 2024-06-17 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: AK

Complaint narrative:
On the XXXX of XXXX, XXXX, and XXXX I have been charged a {$25.00} service fee for being under the {$20000.00} in total between checking, saving, and CD required to have a premier checking account with Wells Fargo. 

This is due to the Wells Fargo app telling me my direct deposit is available 3-5 days before the XXXX. It will show I have my direct deposit all the way until the end of the month, but then when the XXXX rolls over my statement will show that I was never given the direct deposit until the XXXX, which then puts me under the {$20000.00} total required. 

I contacted their primer checking hotline and was essentially told that I should wait until the XXXX of the month to make any purchases to ensure I am not spending money I do not have. I repeated multiple times that the app is telling me I have the funds and was notified that the funds were available multiple days before the end of the month. 

They put in an escalation ticket after I requested to speak to someone higher. Then I got an email from the escalation team essentially saying that the fees were just. The escalation team did mention the XXXX fee was waived, but the other XXXX were staying.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: NY

Complaint narrative:
I was sentenced to XXXX  years in XXXX I was released this year XXXX. My social security card, ID, and birth certificate were left in my home at that time of my arrest and someone stole it. Someone has been using my information to open bank accounts, credit cards, get car loans etc... None of this has been with my permission. There were a few accounts that I gave power of attorney for but none of the ones listed in this complaint. All of the items should be removed. I was incarcerated and therefore none of these accounts belong to me.

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 2024-06-17 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:
I was sentenced to XXXX  years in XXXX. I was released this year XXXX. My social security card, ID, and birth certificate were left in my home at that time of my arrest and someone stole it. Someone has been using my information to open bank accounts, credit cards, get car loans etc... None of this has been with my permission. There were a few accounts that I gave power of attorney for but none of the ones listed in this complaint. All of the items should be removed. I was incarcerated and therefore none of these accounts belong to me.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: WA

Complaint narrative:
Balance owed : {$2000.00} Company : Plaza Services LLC XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE ON MY CREDIT FILE AND THEY ARE NOT AUTHORIZED. THEY DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION WITH INK SIGNATURE TO ACCESS MY INFORMATION. THESE ACCOUNTS NEED TO BE REMOVED ASAP PER LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-17 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: FL

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE ON MY CREDIT FILE AND THEY ARE NOT AUTHORIZED. THEY DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION WITH INK SIGNATURE TO ACCESS MY INFORMATION. THESE ACCOUNTS NEED TO BE REMOVED ASAP PER LAW CXXXX 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 2024-06-17 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: NJ

Complaint narrative:
I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

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 2024-06-17 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-17 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: NJ

Complaint narrative:
I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: NJ

Complaint narrative:
I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

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 2024-06-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief