vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX of XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing bitcoin. I called the customer support line to refute this charge. The number was XXXX. 

I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX them and the money would come straight back. I was to XXXX XXXXXXXX XXXX  ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. 

I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. 

XXXX would do nothing and claimed that my bank ( Wells Fargo XXXX had a chance of fixing this. 

This XXXX transfer happened under false pretenses and should not be considered valid. It's been a year later and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. 

{$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. 

I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.

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 2023-06-30 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive submitted this complaint 7 times CFPB & EXPERIANXXXX  are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIANXXXX XXXX  with FTC Fraudulent report support my position. It seems EXPERIANXXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the accounts REMOVED per 605b with the attached documents again. Thank you 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 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 2023-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX to XX/XX/2023, I contacted Experian about removing XXXX XXXX from my credit report. XXXX and XXXX have already removed the XXXX XXXX from my account. I have called and disputed the account with the company and they have contacted all credit bureaus. This credit reporting company ( Experian ) has failed to respond and remove the account. XXXX XXXX will be mailing me a letter stating that the account is closed due to identity theft. 


Furthermore, the Experian credit reporting company is not consistently monitoring and updating the credit usage. For example, they checked the credit usage on XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, when the credit usage decreased to 12.5 % from a previous balance of 84.2 %. No change to the credit report. 

However, on XX/XX/XXXX, the credit usage was at XXXX XXXX, they quickly changed the credit score. 

Another example of the inconsistent credit monitoring. On XX/XX/XXXX, my credit usage decreased to XXXX XXXX  from a previous use of XXXX XXXX. My credit score increased by 13 points. 

Why was there no credit score increase on XX/XX/XXXX, when the credit usage decreased to XXXX XXXX? 

There is a pattern of change in credit score when the credit usage significantly increases, but absolutely no change in score ( not even one point ) when there is a consistent decrease in credit card use ( for over a period of one month ). 


Their pattern of notifications and updates shows a pattern change in credit score every month, however there was no update in credit score on XX/XX/XXXX. I called customer service to inquire, they said to wait a couple of days. I had to wait until the next month. That means they waited two months before reporting a heavy use in credit card usage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo Help You have a new message from Venmo regarding request XXXX  XXXX. To respond, simply reply to this email. 

Hello XXXX XXXX, We initiated a trace regarding your withdrawal of {$500.00} initiated on XX/XX/XXXX. Our records confirm the funds were posted to your account ending in XXXX. Please contact your bank 's ACH Department to find the date the funds were credited to your bank account balance. Please provide the following trace number to your bank 's ACH department : XXXX. 

As of today the money has not been transferred. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid 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: VT

Complaint narrative:
On the month of XX/XX/2023, there were several fraudlent charges on my Citi Bank Credit Card, which I have informed my bank and the bank is not accepting my dispute, instead the bank is saying that I owe them money. I have reported the bank about all the disputes as soon as I have reveived my statment and they mentioned that they will remove all the charges and my balance was negative ( - {$20.00} ). And now they have put on all the charges back to my account. 

As I told my credit card company that I don't recognise the charges and I want to dispute all of them, still they are not helping me on this matter and they have sent a bill of {$3800.00}.

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 monetary relief
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/XXXX XXXXXXXX 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 2023-06-30 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: MI

Complaint narrative:
XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX XXXX XXXX, XXXX Florida XXXX is using my personal identifying information to open fraudulent bank accounts. This is the 3rd occasion and all have been reported to their fraud department after hours og being on hold. Bank of America has not closed the 3rd account at my request and remains indifferent to the fact that this is the 3rd time a fraudulent account has been opened. Bank of America has charged fees on the most recent fraudulent account although no transactions have taken place on any of the accounts. Bank of America has not reversed this fee although miniscule. Bank of America has also refused to put in place any measures in place to prevent further fraudulent activity in my name. Bank of America has requested more PII from me in order to complete the claim and close the account. At no time have I opened or wished to have an account with bank of America. No other fraudulent activity using my PII has occurred.

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been unable to access my equifax score for months and have been denied for credit several times because of this. I call equifax and they say somehow my DOB is incorrect in their system but they can not tell me how it was changed. I have sent in the information that they have requested twice and each time have been told they didn't recieve it. This is affecting my life and my ability to move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Okay so on XX/XX/XXXX I was supposed to have a check deposit into my credit karma account and this was from my job on XX/XX/XXXX that Thursday the check was deposited to my account and immediately taken out the account was take the account was emptied I had a deposit of {$1700.00} that was taken out of my account it was taken from someone or somewhere in XXXX XXXX or some XXXX country and I already spoke to someone at credit karma on the XXXX and told them that I keep getting calls stating that fraudulent activities is trying to be you know done with my account I couldn't verify it with the call that kept coming in so I called them and credit karma said your account is fine there is no fraudulent activities being shown on your account then that night around XXXX I see my check was deposited on the XXXX on the XXXX the XXXX was the day that I went to wake up and I see my whole check was negative it was already taken out but somebody in XXXX I sat there and I called them that morning and I told them what happened they said they was going to put a dispute in I called them that Thursday that Friday and that Saturday so the XXXX the XXXX the XXXX all three days I called them and only on the XXXX that I get information about them actually doing this dispute so I gave them all the way up to this week which is now the XXXX of XXXX and they are saying that they're not going to refund my money cuz they couldn't dispute the transaction I live in XXXX  XXXX  XXXX I work online and company called XXXX I do not live in XXXX I do not feel like they really did a thorough investigation and they are now denying me my {$1700.00} back that was not authorized by me to be taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: VT

Complaint narrative:
on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open.

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX, AND XXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to 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 2023-06-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX i pulled my credit report and notices a lot of errors and incorrect information reporting. I disputed the errors stating all the differences in the reporting which was confusing because the FCRA Act i read said that your report should be 100 % accurate and metro 2 stated it must be confirmed true and correct. I asked for a investigation because not only were accounts on my report unbeknownst to me but they were reporting addresses and names and collections and charge offs with past due amounts, or charge offs reporting monthly, i read that those accounts were inaccurate. 
I reported a few of them to the FTC and my report is connected including XXXX XXXX XXXX XXXX XXXX Please look over my report and remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: Self Financial Inc.
State: IL

Complaint narrative:
Under code 15 U.S.C 1681a ( 2 ) ( B ) asking for late payment to be removed from credit file for XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts 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 2023-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts 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 2023-06-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief