vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX  and XXXX my FSA debit card ( issued by Optum Bank for Optum Financial ) was used fraudulently at a pharmacy I regularly do business with. There were two debits for {$100.00} on each of the three days totaling. {$600.00}. I called Optum XX/XX/XXXX after noticing the debits and initially was told to contact the Pharmacy as they could reverse the transactions. When I went to the Pharmacy, they told me they would look into it then called me a few days later to inform me that they could not find the transactions. I then contacted Optum again to begin a formal investigation. The card was cancelled, and I was told I would receive a new card and also some paperwork that would need to be completed and signed but that they would begin looking into the fraudulent debits immediately. I received the new card and a a few weeks later an affidavit which I signed and returned by certified mail. Per the USPS tracking info ( Tracking Number XXXX ) was received at Optum 's XXXX, XXXX  offices on XXXX XXXX XXXX. Since then, I have been calling every two to three weeks trying to get the status of the investigation, but I keep getting the run around and was always told it can take up to 90 days. If the 90 days is calculated from when first reported that has passed some time ago. Since I did not have access to the stolen funds, I was unable to use the card for medical expenses as only {$550.00} of that {$600.00} will be carried over to XXXX. Their offshore call centers are unhelpful and refuse to escalate my calls to anyone in the fraud department or a supervisor. My employer only started using Optum for our XXXX accounts starting XX/XX/XXXXXXXX  and if this is how they handle issues I dread to think what may be ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
on XXXX XXXX XXXX, I received an alert through XXXX XXXX that my credit scored dropped XXXX points. Then is when I started to pursue and see what was going on. I seen Navient hit my credit with a delinquency and a no payment for 90 days. I immediately called them, and they told me they were trying to reach out to me and send me mail stating i was on the verge to be penalized, but they had the wrong info. My phone number was wrong and also my address. its not fair that i never knew this. they have always had my info correct in the past. They had no way of communicating with me and advising me I was going to be penalized. Ive had this account open for several years and nothing like this has ever happened. I sent them a goodwill letter on XX/XX/XXXX and I will attach it with my claim explaining everything that had happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-03 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: GA

Complaint narrative:
Examine the attached documents. I want the bureau to start investigating these accounts, as I am consistently punctual with payments, yet they are wrongly reported as late.

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 2024-01-03 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:
I did not authorize these fraudulent inquiries on my consumer report and according to the FCRA I would like to be removed or deleted immediately Thanks XXXX XXXX XXXX, credit cards, XXXX XXXX XXXX XXXX XXXX XXXX credit cards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Per 15 USC 1681 ( FCRA ), as a Federally protected consumer I have the right to privacy and accurate reporting to my credit profile. I am not liable for a debt with XXXX, nor do I have a contract with DIVERSIFIED ADJ SVC. Upon request I was denied an original contract from DIVERSIFIED ADJ SVC which they failed to provide. I contacted XXXX XXXX and XXXX concerning the matter to verify the accuracy of this reporting which all failed to provide me with sufficient information pertaining to the validity of the inaccurate reporting to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want this inquiry removed from my credit report. I sent FTC to this company and they still have not taken this off my report. Under law I ' am now seeking damages as this matter has caused me 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want this inquiry removed from my credit report. I sent FTC to this company and they still have not taken this off my report. Under law I ' am now seeking damages as this matter has caused me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
Under the FTC law and my report filed these 2 inquiries need to be removed from my report. I " am now seeking damages of {$1000.00}

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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XXXX I received a letter in the mail asking for a copy of my tax return to complete an application for credit that I did not initiate. After contacting the sender and reporting the application as fraudulent, their representative suggested I contact the credit bureaus and place a freeze on my credit, in addition to pulling a copy of my credit report. 
On XXXX, I attempted to pull a copy of credit report from Experian to check for other fraudulent activity, but Experian 's website would not allow me to login, and suggested I call them at XXXX. 
I called XXXX several times in an attempt to fix my issue with logging in, and Experian appears to have an automated system that is designed to frustrate callers into giving up on trying to reach a live agent. The automated system stated it would send me a temporary password and a reminder of login name via email, but would not confirm what email address. 
When I finally spoke with an agent who identified herself as XXXX, she had me confirm my identity and while reading me the security questions, interrupted me several times, and then selected " none of the above '' for my checking account number verification, without me instructing her to do so. 
When I asked XXXX to speak with a supervisor, she declined to transfer me immediately, and I informed her I would be filing a complaint with the CFPB, as I had informed her I had multiple checking accounts and was reading off the checking account numbers to her one at a time, to see if any of them matched one of the possible answers to the security questions she asked me, before she interrupted me multiple times and had eventually selected an option for me, without me instructing her to do so. 
XXXX eventually transferred to a supervisor named XXXX, who then told me she would let the management team know about XXXX 's service, and agreed to assist me in logging into Experian 's website. The supervisor XXXX stated that she was unable to access the security question that XXXX was provided, and as a result, she would need to wait 72 hours in order for the system to generate new security questions to allow me to attempt to fix my access again. 
So in the end, Experian was successful in their efforts to prevent me from pulling my free credit report in order for me to identify any other fraudulent credit activity.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I attempted to use my credit card to purchase airline tickets on XX/XX/XXXX. I have a {$5000.00} credit limit and it was all available I had no outstanding balance. The transaction was for {$2200.00} and was declined. The reason the bank gave was " fraud alert. '' I called TD Bank, it took 45 minutes and jumping through hoops to get them to unfreeze the account and allow me to use it. On XX/XX/XXXX I attempted to make a {$62.00} purchase at Target with my debit card from the same bank, TD Bank and the transaction was declined. 

This bank is the fraud. They have a faulty and phony algorithm. Their random use of " fraud alert '' is NOT TO PROTECT THE CONSUMER, it is a fraudulent system to protect themselves. They caused me embarrassment and XXXX I am XXXX XXXX XXXX, I have a XXXX XXXX, they are causing me stress for NO REASON AT ALL! This bank has done this to me so many times and they get away with it. They need to be held accountable for how they play with people 's lives. I go into the world with a certain secure feeling that if I have money in my account, if I pay my balance on time, if the credit limit is available - that I will be able to conduct commerce without stress and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
XXXX XXXX XXXX has been inaccurately reporting information on my credit file. I have attempted to resolve these issues with XXXX XXXX XXXX directly, I have attempted numerous times with Transunion, XXXX and XXXX as well. XXXX XXXX XXXX refuses to provide me with proof of late payments. XXXX XXXX XXXX is now reporting an account that they stated they closed in XXXXXXXX XXXX XXXXXXXX  as " 30 Days Late '' across all three credit reporting bureaus.

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 2024-01-03 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My best friend XXXX XXXX transfer to me XXXX us $ from his regions bank account ending on XXXX to my regions bank account ending on XXXX at the day XXXX, the both account was blocked and i can use my funds, and customer service said that they have to check the transactions and we also verified all the movements buy they dont want to release the funds.

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 2024-01-03 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 CONSENT TO, AUTHORIZE NOR BENEIT FROM LISTED 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to express my ongoing concern and to seek resolution regarding the mobile deposit issue that I previously reported. Despite the closure of the case on your end, the issue remains unresolved from my perspective. 

In an earlier complaint, I was advised to present the physical checks or contact the check maker to file a claim with their bank. However, I must reiterate that the physical checks are no longer in my possession, and the check maker was unable to file a claim with their bank for the funds. This puts me in a challenging position, as I am unable to follow the suggested steps. 

Given this predicament, I am seeking your assistance in understanding how I can recuperate the money that was deposited into my account ending in XXXX. This amount represents a significant sum, and its absence has caused considerable financial distress. 

I respect the bank 's policies and the necessity of security measures. However, I believe my situation warrants special consideration due to the unique circumstances. 

I kindly request a re-evaluation of my case and a clear pathway to resolve this issue. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and assistance. I am looking forward to your response and a favorable resolution. 

Sincerely,

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have discovered unauthorized, fraudulent wire transfers and unauthorized fraudulent withdrawals from two of my bank accounts, that I am reporting under the ( Electronic Funds Transfer Act. ) Regulation ( E. ) And ( J. ) For an adjustment back to my current account. 

One account has since been closed, the other account is still current.

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 2024-01-03 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT REPORT A LATE PAYMENT ON A OPEN ENDED CREDIT ACCOUNT AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I FILE A COMPLAINT WITH CFPB WHICH YALL STATES : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, CHARGE OFF AMOUNT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns. 
THIS DOES NOT RESOLVE MY CONCERNS AS AGAIN under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. PLEASE PROVIDE PROOF OF SUCH WRITTEN INSTRYCTIONS OR REMOVE LATE PAYMENTS ASAP!!!!

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 2024-01-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT REPORT A LATE PAYMENT ON A OPEN ENDED CREDIT ACCOUNT AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I FILE A COMPLAINT WITH CFPB WHICH YALL STATES : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, CHARGE OFF AMOUNT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns. 
THIS DOES NOT RESOLVE MY CONCERNS AS AGAIN under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. PLEASE PROVIDE PROOF OF SUCH WRITTEN INSTRYCTIONS OR REMOVE LATE PAYMENTS ASAP!!!!

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 2024-01-03 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: MO

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX, XXXX is breaking the consumer law pertaining to XXXX XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 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 explanation