vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
I have contacted the companies and the credit reporting agencies about these inquiries that I did not recognize and they refuse to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted the companies and the credit reporting agencies about these inquiries that I did not recognize and they refuse to remove them from my credit report. 

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 2024-01-30 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
While visiting XXXX on vacation, my phone was stolen on the XXXX  of XX/XX/XXXX. After stealing my phone, the perpetrator was able to gain access to all of my online accounts and drained my checking account, made purchases through multiple apps, and did a {$4000.00} cash advance using my Wells Fargo Visa XXXX XXXX card. On XX/XX/XXXX before leaving XXXX XXXX XXXX home, I had to purchase a used phone and then was able to see all of the damage done. On XX/XX/XXXX after a lot of back and forth with Wells Fargo, they concluded that the claim was valid and made the funds returned to me final in the amount of {$6600.00}. The credit claim of the {$4000.00} cash advance, which is part of the same incident, has still not been resolved however. The departments are separate and that has made this process extremely difficult and time consuming. I have spoken with them multiple times and the claim was not even in their system properly as showing that my phone had been stolen even though they were made aware repeatedly and I have had to fax documents multiple times as well. The said the claim was closed and then it was suppose to have been reopened for review but this never happened either. I have been given multiple case numbers, but the most recent was case number : XXXX. I spoke with someone named XXXX on XX/XX/XXXX who said to fax the documents again to the attention of the online fraud leadership team, which I have done, but I don't have faith it will make a difference and I need help getting this resolved. Also, I reported the incident to the XXXX XXXX at the time it happened and the case number is : XXXX. I have attached the documents that the debit fraud team asked me to send to resolve the claim, which was proof that I had to purchase a new phone while in XXXX. I've also attached the letter from Wells Fargo that the debit fraud claim was approved and reimbursed. Also to note, the nature of the transactions on my account at the time is what helped prove the fraud, as there were multiple attempts at cash withdrawls at the time and the types of transactions were clearly fraud.

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 2024-01-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife and I have a Citi Bank XXXX XXXX Credit Card. Through our online account, we indicated that she would be travelling from XX/XX/XXXX - XXXX with the intention of using these credit cards as her payment method while on this trip. 

Along with these credit cards, my wife only brought around XXXX dollars USD with her. Upon arriving to XXXX XXXX, she is being prompted to use a PIN to complete any credit card transactions. We were not made aware that a PIN may be required and it was not something we were familiar with. I also did not know what the PIN was, and it wasn't until contacting Citi that I realized how archaic of a process to obtain a new PIN. 

After speaking with several customer representatives at Citi, they refused that I speak with a supervisor to help escalate this issue further. I assumed they might be understanding, or have some means to help with this situation, but other than shrug their shoulders, they were not helpful one bit. 

I wanted to get in touch with a supervisor or a manager, as I had hoped I could get this issue escalated with the intention of having a new PIN overnighted ( at my expense! ), but they refused to let me speak to a higher-up telling me they also could not do anything. 

This is my wife 's first time travelling over seas and Citi never made me or my wife aware that a PIN may be required. Had they made us aware in the first place, prior tot Travelling, this would not be as big of an issue. 

Citi needs to publish this information and make it more clear AND visible so that others do not run into a situation like this. You would think Citi would be understanding and try to help in this situation, but they didn't have a care in the world or try to help at all. Clearly they do not put American Citizens first, especially in this type of situation. 

Now my wife has {$200.00} cash to get her through an entire week. Then what? Citi at no point tried to make this right even when I offered to pay out of pocket to have a PIN overnight mailed to me. 

Again, I can not stress enough, had we known we would need a PIN, we would have been sure to set this up. The PIN requirement was never made apparent at all when we placed the travel dates on our card. It is unacceptable, especially in the digital age of XXXX, to have to send a PIN via snail mail and have no alternative means to recover or reset this PIN.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX, TransUnion, and XXXX consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report and marked the items. 

Items : 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 2024-01-30 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, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report and marked the items. 

Items : XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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 sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2024-01-30 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: IL

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 2024-01-30 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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Regarding CFBP XXXX XXXX : XXXX I am re-opening a complaint here and providing the additional information requested as the reference above has already been closed out and there was no way to respond to it. 

I called in to Amex the number on the back of my card to provide additional information as instructed per the response AMEX sent me dated XX/XX/2024. They were unable to get me to the correct department to provide the information requested in XXXX XXXX XXXX : XXXX. The Customer Care representative gave me a ton of hardship even after explaining to him that I have additional information I would like to submit as instructed by your team. Although he could not open the letter, he did have access to notes but still refused to help. This morning has been extremely frustrating for me when reaching out to AMEX on this matter. 

This is why I am attaching this additional information for your review here and hope someone at AMEX in the correct department or A. Young, can reach out to me about this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXXXXXX XXXX XXXX  I opened a Sephora Credit Card to earn rewards. I used the card and had a balance of XXXX. I never received my card in the mail and so I had to call the company to get help logging into the site so I could pay the bill on time. It was already 1 day late so I was told to make the payment right then and that they would be able to waive the late fee. So I entered my banking information and paid the bill right then and there on XX/XX/XXXX I realized days later on XX/XX/XXXX I received a " RETURNED CHECK CHG '' on my account because I apparently made a small typo when I entered my account number. So I went online, added my CORRECT information and paid the new balance of {$280.00} in full, minus the {$30.00} fee which I called to get waived. They said they are " allowed '' to charge me that fee. I asked for a supervisor who said the same thing and basically laughed at me. I tried to call a second time in XXXX for the same reason except now, the card had automatically run a payment from my old information, so I was charge a second fee, this time for {$40.00}. I called and asked to have that one removed to which I was told no again. I messaged on their internal messaging system about this issue and have gotten responses back from a XXXX, with no information what so ever. So I now owe ( XX/XX/XXXX ) the card {$76.00} for {$70.00} in RETURN CHECK CHG, which was a TYPO, not insufficient funds, and {$6.00} in finance. It's a disgrace that they can fleece people of their money with such fees for a simple mistake that was quickly fixed and the bill was paid in full. The White House is currently trying to stop these fees and with that momentum I hope this can be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax : XXXX ) Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
XXXX ) Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 

XXXX : XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I had to withdraw my XXXX for {$1300.00} because I am getting evicted. My deposited the check to my Cash App account on XX/XX/XXXX XXXX XXXX XXXX ( a Saturday ) with a message on the app saying that it will be available WITHIN 4 business days. It has now been 7 business days and I have been calling and emailing with representatives for days with no kind of explanation or consideration at all. They just keep telling me to be patient and wait. I called the issuer of the check ( XXXX ) and they informed me that as of XX/XX/2024 the check was in cashed status and they no longer have possession of the money. This means that THREE days after I deposited the check cash app gained access of my money and now SEVEN DAYS LATER ( 5 business days ) I still dont have my money. Every time I call the representative pretends to be looking into my case for an insane amount of time ( Ive been on hold for 40 minutes at a time ) and comes back with absolutely nothing. They just tell me to be patient and allow more time for the check to be processed! I AM BEING EVICTED! With XXXX XXXX! This is not right! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
deposited check into new Capital one savings account. was notified my deposit would be on a 5 day hold and set to be available XXXX the XXXX. which is very fair considering this is a brand new account. 

few days later, see i am now unable to withdrawal funds from this account. 

call capital one and they say they need me to verify an external bank ive linked. i verify and am told that the restriction should lift. 

days later i am still seeing the notice on my account. i call capital one and am told that they need to verify the check with issuer- okay. i provide the mobile number i have and am told that the number is non verifiable. its the only number we have for them and i suggested the issuer call capital one to verify. was told that is not possible. 

XX/XX/XXXX arrives and funds are available- yay! now i can pay rent, right? nope! still a restriction on my account. 

i call capital one today to attempt to verify the check again only to be met with the same response- we can not verify with this number. 

i dont see why it is my responsibility to verify check with issuer, especially since the check has already been cleared and made available. and even if so, why can they not just call up to capital one to verify any information needed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Tribal Lending Enterprise, Inc.
State: AL

Complaint narrative:
Description of complaint : On XX/XX/year> Ascend Loans correctly charged me for my bi-weekly payment, then a few days charged me AGAIN for the same amount. When I spoke with XXXX, she said I was only charged on XX/XX/year>. Please the attached the another payment was charged. Please return that extra payment IMMEDIATELY. Thank you. 

Desired settlement : Refund Money paid to business : {$120.00}

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 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I was scammed during Covid shut downs ... .I was current they offered forbearance and promised on tape when jobs were reinstated they would redo loan and start from there. They kept asking for the same pay stubs and info over and over until they forEclosed behind my back THIS WAS A ONCE IN A LIFETIME PANDEMIC AND GOVERNMENT HAS NO PLAN TO HELP KEEP OUR HOME WE HAVE BEEN IN FOR 20 YEARS. ALLOWING THESE XXXX STEAL PEOPLES LIFE TIME OF WORK AND SWEAT SPS IS A UNDERHANDED COMPANY AND I NEED HELP I QUALIFIED FOR OHIO SAVE THE DREAM BUT THEY BOTH JUST DRAG FEET SO THE AMOUNT IS CRAZY NOW I NEED THE COMPANY TO TAKE THE BALANCE OF THE AMOUNT DUE MINUS THE XXXX XXXX AND TIE THE BALANCE INTO THE LOAN ITS A WIN FOR EVERYONE PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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 sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

Company response to consumer: Closed with non-monetary relief