vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was not aware that someone got into my bank account through my mobile and debt transtions and XXXX XXXX accounts until Friday XXXX XXXX XXXX when I tried to sign into Truist mobile app to see if my disable check was posted from XXXX XXXX schools. My phone and accounts were hacked and unable to get into my accounts and my phone i couldnt call out or even call 911 if need to and keep lossing internet I was in the hospital XXXX XXXX XXXX XXXX I was finally able to get a hold of my bank and they told me that there were text deposit XXXX to my account and signed and there were transactions that were posted that I was not aware of and did not. There was a charge at XXXX for {$700.00} XXXX XXXX I was in the XXXX XXXX XXXX for XXXX 's appointment in staying there for till Friday the XXXX and I was nowhere near XXXX and don't know of this charge and there was two checks on that day too but are from a roofing company from Texas and they printed my name on the back of them and deposit them and it doesn't look nothing like my signature or the way I write my checks so the bank said that they would give me 30 days for review and to send in anything I had that would give proof what that I didn't do it and they called me back the next day one day later and said that they're closing my account and I'll be no longer have an account with them anymore and they know that I didn't do it but they don't want me too have a checking account with them and close my account and they did not refund my money and use the funds overdraft fees return check fees and everything else on top of it then {$970.00} {$790.00} came out of my XXXX  check and now I can not pay bills and my credit is getting hit because I'm late and I don't know what to do I can't pay bills and they said that they are done with me and I don't know what else to do and they didn't not give me a chance to show them any proof so I'm not sure what else to do also my XXXX XXXX they got into and took the funds and tried to deposit twice with their XXXX XXXX hashtag and it came up scam but it's still went through after their third attempt and now I am XXXX in the hole with them and with the bank

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 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I sent a 609 letter asking them to verify the debt with signature pages & they sent bill. That doesn't prove that it's my debit. This response is the first communication I received from them. I only found out about the account because it showed up on a XXXX credit report. 

Also, this company will remove the account after I dispute it & report it again the next day.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im re filing this issue in relation to case XXXX. Transunion responded that they would delete the information i disputed and they still have yet to do that. This case needs to be reevaluated to have items deleted from my credit report. I've attached file for refence. Transunion response was " in response to your request, the following actions were taken on your credit file : Other miscellaneous actions take based on your request were : Inquiry - DELETED ''

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase JP Morgan Bank shows me getting overdraft fee revese dispute while my account is still positive fraud investagation dispute. The fee came from an unauthorized hold on my checking and saving account that was removed. I was explicitly told by a Chase representative that I will still be charged an overdraft fee even though the charge was removed from my account Chase is routinely stealing from their customer 's bank accounts via illegal junk fraudulent or unauthorized charge nothing is being done about it. My account was closed without my knowledge with a balance of {$1200.00} fraudlent and unauthorized charges, overdrafted fee and sent to collections and reporting to chex system, which in no way states that customers must pay fees for fraudulent or unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In a prior complaint cfpb # XXXX related to unpaid/underpaid property taxes and mismanaged escrow, I noted my credit score had fallen due to Wells Fargo reporting a total mortgage amount well above what my principle balance was set as. I was told in the resolution of my complaint Wells Fargo was reporting everything correctly, and I would have to call credit bureaus. The Wells Fargo credit report provided shows the incorrect amount, but I was told I must be wrong or need to contact the credit bureau. 

Wells Fargo shows my principle balance as {$370000.00}. Credit bureaus, both XXXX XXXX and XXXX ( I have not checked XXXX ) show it as XXXX. That is a difference of over {$14000.00}, and caused my credit score to go down, In most cases moving me from good/fair score to poor scores. I am about to move, this score drop directly impacts my ability to borrow at an optimal interest rate. 

Wells Fargo has made my life hellish for months due to the tax issue and not their refusal to correct the loan amount. I am not sure why there is such a large disconnect, but the only way the bureaus would have this amount is from Wells Fargo. I can not just tell the bureaus they are wrong and get this fixed. Wells Fargo needs to fix this. It is the least they can do after months of pain and emotional distress that they shrug off as nothing and then lie to me that they are reporting everything correctly. 

I am including screen shots of 3 separate credit score details I can access on my Wells Fargo, XXXX, and XXXX XXXX  accounts through credit monitoring service provided. I am also attaching my most recent mortgage statement.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2022 I received and email about a new credit card. I checked my credit and noticed a brand new account and address that did not belong to me. 

I have filed a claim with the IDTheft.gov and tried to dispute with credit companies. 

I do not reside nor have I ever resided in the state of FL.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 I received and email about a new credit card. I checked my credit and noticed a brand new account and address that did not belong to me. 

I have filed a claim with the IDTheft.gov and tried to dispute with credit companies. 

I do not reside nor have I ever resided in the state of FL.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2023 i got a fraud alert on my equifax XXXX XXXX consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
In XX/XX/XXXX I opened an Apple Card credit account with Goldman Sachs ( GS ). Initially I was assigned a credit limit of {$500.00}, which was eventually increased to {$1500.00}. In the time since I opened this account, I have never had a single late payment. Almost every month, I have paid my balance in full, and throughout each month, I have made multiple payments because my spending well exceeds my limit. On average, I have spent anywhere between {$3000.00} and $ XXXX each month. During calendar year XXXX, my spending was {$23000.00} with no missed or late payments. 

Today, out of the blue, I received an email from GS indicating my credit limit was reduced from {$1500.00} to {$500.00}, thus essentially rendering the card useless. The explanation given was a charge of and delinquency with other creditors. 

Several weeks ago I discovered a handful of accounts on my credit report that do not belong to me ; they were fraudulently opened without my knowledge or consent using an old home address in Maryland. I have since disputed these accounts with the CRAs and completed an identity theft report. 

When I contacted GS to explain the situation, i was told there was nothing that could be done to reinstate my credit limit because these decisions are made by AI, and everything is automated.

My account history with GS has been exemplary. The credit limit prior to being reduced was rather modest at {$1500.00}, and it represented a very minuscule risk to GS, especially given my proven payment history. There is very minimal risk of default. Moreover, it was implied that if the balance on my Apple Card was higher than it was at the time the limit was decreased, GS would likely not have decreased it or would have only decreased it by an amount just above the balance. Not only have I been penalized due to delinquent accounts appearing on my credit report that are not mine, but Im also being penalized for making consistent payments and keeping mt balance low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Our household has been reduced to one income causing me to have to pay what I can when I can. So with one main financial I explained to them that I can make the payments just not all at once but within the due month, Weekly One Main Financial calls me with threats and demands that I pay on time or get hit with {$3.00} plus daily late fees. They are rude, demanding, threatening and disrespectful. They only want their money on the date due or they'll harass you until it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I has sent multiple letters over the last 3 month trying to make transunion and XXXX  follow the law. First letter was received by transunion on XXXX. XXXX received theirs on XXXX. Second letter received by transunion and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. All of these letters demanding several accounts be removed from my credit report as transunion and XXXX are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against transunion and XXXX  for multiple violations of the FCRA, the ECOA, and the Privacy act. XXXX had no problem following the law and removing these items. Transunion and XXXX must follow suit and do the same as they are all required by law to report accurate information. All three reports must match. 
30 days is almost up and they have not removed the items from my credit report. They are giving me no choice but to file a claim against 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 non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
A loan/credit card from Capital One is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. Capital One says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
A loan/credit card from XXXX XXXX is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. XXXX XXXX says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a charged off account reporting to all thr CRA with XXXX no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted 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 2023-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A friend sent me money in which I attached all receipts for a trip as seen on the receipts attached. From her phone number etc. We then chose to cancel an I advised once I received funds back she would be refunded. She chose to report fraud instead of awaiting the refund. My bank without researching calling me etc just put fraud on my XXXX account and close permanently. Staying confirmed fraud. I said how was that confirmed I was contacted no one asked me for documentation like a regular investigation. They were just aggressive and told me it was permanent dosnt even try to fix it when I advised I had proof this not fraud. I put a lot of money is this account monthly. See attachments it was clearly sent from the sender XXXX on her own free will thats not fraud. Her requesting a refund is not fraud I have to process her refund from XXXX nothing to do with my bank or XXXX. But my bank stated they confirmed fraud how and where. My bank can confirm both of these ladies sent the money only one lied on it being fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!

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