vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: IN

Complaint narrative:
I did not authorize or initiate these accounts, and it is unjust for me to be responsible for them. I urge you to take prompt action to correct this mistake.

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 2024-02-26 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:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: IN

Complaint narrative:
I did not authorize or initiate these accounts, and it is unjust for me to be responsible for them. I urge you to take prompt action to correct this mistake.

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 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I was approved today for a loan for XXXX via AFFIRM.com I didnt authorize or ask for this loan and I believe my information is compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla gift card with a balance of {$500.00}. I have been unable to use this card since receiving it in late XXXX as the 3 digit security code had been scratched off. My understanding is that is a typical scam and others are currently suing regarding this issue and the lack of protections. 

I started a claim through their process on XX/XX/2024. I was told by customer service to send in all relevant documentation available which I did on XX/XX/2024. I instructed the customer service agent that I did not have a receipt ( as it was a gift ) and they told me that would be fine so long as I submitted everything else ( ID, Visa Card, and packaging ). I was told to wait 30 days. 

After 30 days of no update I called again in early XXXX. It was " escalated '' and I would receive an update within 7 days. 

After more than 3 weeks I called again. I was told it would be " escalated '' again and I'd receive a response within 45-90 days. 

I just want my funds. I have wasted countless hours trying to navigate their customer service phone tree and calling them back time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: WI

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-26 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TN

Complaint narrative:
Had an account with XXXX XXXX XXXX  USBANK is now the account card holder. REWARD POINTS/ PERKS issued on three separate cards with each card having a separate Denomination/ Value/ Amount with the total amount equaling {$220.00} dollars. one card is {$25.00} second card {$100.00} and third card {$100.00}. The value {$25.00} was used up in fees Each card was deducted {$3.00} per month plus inquired about a replacement card because of cards expiration, I was charged an additional {$15.00} per card replacement. 

The cards were never activated for use.

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 2024-02-26 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.

Complaint narrative:
My name is XXXX XXXX XXXX, I'm a US citizen working in XXXX since XX/XX/XXXX and have been employed here. Since then, which is now almost 2 years, I have not been back in the US. Copies of my passport entry and exit stamps from the immigration shows that very clearly. 

In my absence, while I was working in XXXX, my credit card was used between XX/XX/XXXX - XX/XX/XXXX in XXXX, New York, for purchases worth {$2400.00}. Now, please note that during this time I was employed in XXXX, and to prove that I've submitted my pay-slips to the bank via email for both months when these transactions took place. How is it possible that I was physically employed in XXXX and at the same time making the transactions in XXXX? How is it possible that my passport clearly shows no entry during this period, yet still the bank is forcing this amount on me without any proper investigation. 

Furthermore, I've sent the Citibank fraud investigation department several email since this amount reflected on my account. They neither respond nor do they provide any indication that shows a fair investigation is being conducted. I am under enormous mental stress due to the bank 's callous attitude and now have been prescribed XXXXXXXX XXXX XXXX to deal with the stress. I need this matter to be investigated fairly. I have provided multiple times the evidence to the bank via email yet no response. I've also submitted a copy of my last air ticket that clearly shows my exit from the country, if the immigration stamps didn't already prove my point.

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 2024-02-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( EQUIFAX ), has violated my rights. 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. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2

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 2024-02-26 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: NC

Complaint narrative:
I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: PA

Complaint narrative:
I'm deeply distressed and frustrated to discover numerous fraudulent accounts on my credit report, severely impacting my creditworthiness. As I'm in the process of buying a home for my family, this unfair situation is incredibly concerning. Despite my efforts, I've encountered difficulty in getting these accounts removed. Moreover, given that my information was part of the XXXX & XXXX breach several months ago, I expected better protection of my consumer report. 

I feel let down and violated, as my privacy and fair treatment, as guaranteed by federal law ( 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ), have been compromised. This situation is causing me significant emotional and mental stress. It's also unlawful for these companies to furnish people 's information to third parties, constituting neglect and fraud. 

I've already reported this matter to both the local police department and the Federal Trade Commission. Legal action against these companies and credit bureaus for the damages incurred seems inevitable. This ordeal is not only impacting my financial well-being but also this is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: NM

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO BANKAND ITS SUBCONTRACTORS IN FINANCE AND LITIGATION HAVE BEEN COMMITING RACKETEERING AGAINST ME FOR SEVERAL YEARS. THEY MAKE NO DEFENSE TO THE CLAIM MADE AGAINST THEM. THEY CONSENT TO THE CFPB ORDER AND CONFIRMED THE AFFADAVIT OF DAMAGES. BUT AGAIN WENT XXXX XXXX ALL OF XXXX WITH FURTHER RACKETEERING.

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 2024-02-26 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:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it 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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Just filed this complaint with the FTC : I went to XXXX to purchase a plane ticket. They offered a {$200.00} statement credit upon approval for a Southwest credit card. I applied and got a message that they need to contact me to verify who I am. After waiting hours I did not receive a call but had to buy the ticket or possibly lose the price. A day later I got a call and upon answering their questions he said I was approved for {$6500.00} credit line. I asked about getting the {$200.00} credit and he assured me that I would get it on my statement, the delay was just for security reasons. 

My statement came and there was no {$200.00} credit. I called customer service to complain and was told that I am entitled to the {$200.00} credit but because I didnt use the card to pay for the airline ticket I would have to make a purchase, any purchase, and the {$200.00} credit would appear immediately. 

I made three purchases and waited until after they went from pending to charged and no credit appeared so I called customer service again. After explaining this whole scenario again I was referred to someone else and had to explain it all again and I told her if they are not going to give me the {$200.00} credit I was promised by three people I talked to on the phone I want the account closed and the annual fee reversed. After waiting a while she came back to me and told me she was closing the account and reversing the fee. As of today, the same day, the fee has not been reversed and Im not paying the charges until it is because I have no reason to believe anything they say to me. 

I asked to speak to her supervisor and reiterated the whole scenario including closing my card. She asked no questions, seemed to just want to get rid of me by offering me to file a complaint. She would not do anything to even lol into giving me the credit I was promised by three of her CS agents. 

This has cost me time, aggravation, and an unnecessary intrusion into my credit record and all due to their falsely advertised CC promotion not to mention they repeatedly lied to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On or around XX/XX/year> a fraudulent transaction in the amount of {$1000.00} dollars was made using my financial institution 's money transfer service XXXX. The name of the individual on file the money was sent to is XXXX XXXX. This was the information that was given to me by the institution.

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 2024-02-26 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last 4 digit of SSN : 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 2024-02-26 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last 4 digit of SSN : 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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing another complaint. Even though I spent hours working with Bank of America by overpaying, setting up an earlier auto pay date. They Are still charging me late fees. Nothing I do is fixing the situation. They are defrauding 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 monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
Mohela sent me a bill for XXXX that was missing XXXX 's payment and said the amount due in XXXX was {$280.00}. I made my payment, in full and on time, in XXXX my payment history on Mohela 's webiste shows this is as well. Mohela is trying to scam more money out of me!!! What's worse, Mohela owes me a refund for XXXX erroneous payments made in 2023!!! This company is incapable of properly managing any student loans and should be fined approprietly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: SC

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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