vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent letters to Experian on multiple dates asking for them to verify accounts on my credit. I specifically ask them to send me the proof of the information being verified, such as the company contact they verified the information with but they have not sent me this information. They only pretend to investigate and say updated. By law they have to provide me with any information on how they verified an account and they also have to provide this within a certain time frame and they have done neither. I have attempted to resolve this matter with them via mail but they do not respond. By law, if they can not furnish the proof of verification these account must be deleted from my reports which Is what should be done.

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 2023-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: UT

Complaint narrative:
Received a letter from Square for a business debit card. Thought card was advertisement since it did not include any terms and conditions or account agreement. There was not Truth in Lending Act related materials at all, just a card. I realized the business debit card may have been legitimate as it had an account number, CVC code, and expiration date. This happened on XX/XX/2023. I called Square at XXXX and requested a call back in their IVR as that was an option. An agent called me back from the same number at XXXX XXXX  MDT which got me with a " Hardware Installment '' agent. The agent I spoke with could not connect me to a fraud department. They said their fraud department is not customer facing and could not call me back. The agent could not provide details about what date the account was open. I asked if someone needed a social security number to open the account, and they said it is optional. I asked if there was a social security on file, and they said no. The agent told me that when a social security number is entered for an application it encrypts it for them as agents so they do not have a way to distinguish if one was given at time of application or not. The Square business debit is issued by XXXX XXXX, member FDIC. Square  has very vulnerable security as it appears they will let anyone open a business debit card account and does not cooperate with consumers to get additional details when there is a legitimate identity theft concern. All they said was to contact the police. I have no idea what type of account ownership dispute Square does if the " Hardware Installment '' agent is acting in the capacity of a fraud agent and does nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-20 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I

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 2023-07-20 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00} and another XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} 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. 
XXXX  Account # XXXX, 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 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 2023-07-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00} and another XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} 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. 
XXXX  Account # XXXX, 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 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have been a customer of former Carecredit now Synchony bank for 6 years, I have never missed a payment and recently paid my balance off in fulll. The next month they closed my account. No explanation. I have recently paid off my car and three credit card, my credit score has increased by XXXX points. This is a terrible company and they need to face legal consequences for their actions.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Somebody has my information including my SS # and they opened a Frost Bank account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
RE : CAPIO PARTNERS ACCOUNT : XXXX Patient : XXXX XXXX Re : XXXX  XXXX  Hospital Date of Service : XX/XX/XXXX Balance Due : {$210.00} Dear sir/madam, My name as stated above is XXXX XXXX, represented as the Patient, in position of this erroneous Medical debt of Complaint. 

The recurring and threatening dun letters first began thirty days from the date of service, XX/XX/XXXX, and have continued in this manner effectively through the most recent date of XX/XX/XXXX, in my receipt of a Certified letter that in summary has been ongoing now for ( XXXX ) years ; this noted, I had first resolved the issue from the onset with the first known Medical debt collector, XXXX, that after providing written documentation of proof to XXXX, they had still made for an erroneous decision to report the medical debt to all three major Credit Bureaus though in end result of my disputes, the erroneous medical debt was REMOVED from all three major credit reporting bureaus, however each of the XXXX times that the medical debt collection companies were sold, and having changed names, I would only find myself right back to this very current position that is still in existence today, which brings me to my point and my reasoning for reaching out to you in my earnest attempt to please provide me with your assistance with this ongoing and senseless issue that has unwarrantably taken too much of my time and effort to cease this erroneous cronyism once and for all, especially given the fact that I work in a highly regarded Government position that is too, driven from an excellent credit report rating versus that of an unwarrantable medical debt collection company that is currently in a Class-Action lawsuit for unfair and deceptive debt practices. 

Please know that I sincerely appreciate your efforts and any intervention necessary to assist me with this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, two different unauthorized transactions ( {$1500.00} each ) amounting to {$3000.00} was sent out of my Wells Fargo saving account via XXXX without my authorization. Due to the fact Wells Fargo is not my primary bank, I did not notice these transactions until XX/XX/2023, I immediately called Wells Fargo and filed a dispute ( Case number XXXX ). I was told that the investigation may take until XXXX business days for a resolution, and Well 's Fargo instructed me to change my username/password for security purposes. Today, XX/XX/2023, I received an update from an supervisor that my case has been denied. I was very shocked, as without doubt I did NOT make or authorize these transactions. I went straight into the branch and the branch manager filed an " Escalation complaint '', the complaint number provided is XXXX. I was told it would be assigned to a member of the executive office within XXXX business days. 

Well 's Fargo does not understand or seem to care that this money is my livelihood and savings, and they do not seem to be taking it serious. Within XXXX hours they had a decision, when I was told it takes XXXX business days, they clearly rushed the investigation and didn't do proper due diligence. I attempted to reach out to Wells Fargo at XXXX PM and spoke to XXXX XXXX - Customer Advocac. I have filed a police incident number and that is XXXX, XXXX XXXX Police department and I have also filed a fraud alert with XXXX XXXX XXXX ( mobile provider ) because the fraudulent person may have gotten access to my credentials some way or another, both are attached below. 

I am demanding full credit of {$3000.00} back to my account and for the person who did this to be held accountable.

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 2023-07-20 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NV

Complaint narrative:
I am sending this letter on my behalf, requesting that the extended fraud alert that I have on my credit report be removed as soon as possible. Attached are my proof of ID, Proof of address and proof of social security number

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 2023-07-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Searched internet for a higher interest rate for my savings account until I paid quarterly taxes the next XXXX payments so I transfered {$28000.00} from XXXX XXXX  on XX/XX/XXXX to Synchrony high yield savings account. Also, wanted a savings account to deposit savings into on a regular basis with every paycheck. 

Quarterly taxes were due in XXXX. I tried to pay them using the debit card they supplied but it has an expiration date out of range for IRS XXXX website. 

So, I needed to transfer {$7000.00} back to XXXX XXXX, so I could write a check and pay my taxes to IRS and XXXX XXXX XXXX. Synchrony then restricted my account and cancelled the transfer. 

Hence, I had to borrow {$7000.00} from our family business to pay my taxes and next quarterlies are due in XXXX and my license plates and home insurance is due in XXXX. 

I have called multiple times to ask them to contact me and request documents to resolve this situation to no avail.

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