vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: MI

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-03-08 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: NY

Complaint narrative:
I'm a victim of fraud and someone used my personal information to attempt to collect credit products in my names. Does inquiries Consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NV

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX 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 non-monetary relief
Consumer complaint received 2024-03-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A person claiming to be a representative of XXXX contacted me saying that someone was using my XXXX account to commit fraud. They said in order to prove my identity I needed to do some transactions using my Wells Fargo credit card. The representative had me transfer {$8000.00} from my credit card to my checking account then transfer {$4900.00} to XXXX XXXX in order to transfer to different bank account. I transferred the {$4900.00} to the anonymous bank account using XXXX  XXXX. When the representative kept on insisting I make more transactions I grew suspicious and I hung up on them. 

When I called Wells Fargo to report that I got scammed the fraud claim representative gas lighted me and basically called me XXXX for getting scammed. I canceled my credit card and the checking account I used that tonight. I eventually put in a claim saying I got scammed and I shouldn't be responsible for the money that I transferred to the scammer. Wells Fargo is denying my claim because they say they couldn't get their money back from XXXX thus I am responsible for the money I transferred on behalf of the scammer.

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 2024-03-08 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: PA

Complaint narrative:
While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/year> they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.

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 2024-03-08 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: PA

Complaint narrative:
While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/2022 they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: PA

Complaint narrative:
While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/2022 they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : A {$1000.00} withdrawal that I knowing did not make. ; Reference The second phone call with Wells Fargo with XXXX XXXX and XXXX, the Wells Fargo investigator, XX/XX/XXXX On XX/XX/XXXX, I went to the Wells Fargo ( WF ) Branch, office, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Ca, XXXX, to deposit {$1000.00} in {$20.00} bills at one of the outside ATMs. All the ATMs are located outside next to each other in row. The ATM accepted 30 bills and rejected 20 bills. After the {$600.00} deposit, I have a paper receipt showing the {$600.00} deposit at XXXX tried to deposit the remaining {$400.00}, but the ATM rejected my debit card. Taking my debit card I went inside to deposit {$400.00} left which took about 7 minutes.The teller told me the ATM would only accept 30 items. IThe next morning I looked at my WF account on my I phone and saw the online receipt for the {$400.00} deposit at XXXX XXXX, and an online withdrawal receipt for {$1000.00} at XXXX XXXX. I.am respectively requesting documentation of the phone call and what the conclusions were by Wells Fargo of the following items. 1. Verbally, what I understood was that the camera ATM records were reviewed and nothing was observed. What did that mean?. Was i recorded taking the money? There are 3 ATMs at that location, I used the extreme left ATM, nearer the street..Was that the ATM camera reviewed or is there only one camera for all 3 ATMs? 2. The Wells Fargo letter of XX/XX/XXXX, states a {$1000.00} withdraw was made at XX/XX/XXXX, XXXX XXXX. My {$600.00} deposit was made at XXXX. Wells Fargo started that time stamp was not important. Why not?. 3, Request that the camera records be reviewed for 65 minutes, starting at XXXX XXXX  to see if anyone else picked up any dispensed money.. I can potentially claim stolen property funds on my tax return Thanks you

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have asked for my credit report for all XXXX credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XXXX since XX/XX/2021, but they tell me that I can't report him as XXXX and I'm not sure as to why because I'm his ex wife and he has been XXXX since XX/XX/2021.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After numerous attempts to have these fraudulent names and addresses removed from my credit reports and request only name reporting as XXXX XXXX XXXX on my credit report as well as the only address reporting on my credit report as XXXX XXXX XXXX XXXX, XXXX NC XXXX The credit bureaus refuse to remove other fraudulent names and addresses from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After numerous attempts to have these fraudulent names and addresses removed from my credit reports and request only name reporting as XXXX XXXX XXXX on my credit report as well as the only address reporting on my credit report as XXXX XXXX XXXX XXXX, XXXX NC XXXX The credit bureaus refuse to remove other fraudulent names and addresses from my credit reports

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX -- - AFFIDAVIT I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, and reachable at XXXX, do hereby declare and affirm the following under the penalties of perjury : XXXX. I am the affiant in this matter and have personal knowledge of the facts stated herein. 

XXXX. I assert that fraudulent XXXX XXXX XXXX and XXXX accounts have been erroneously linked to my credit profile, and I categorically deny authorizing or owning any such accounts. 

XXXX. I have diligently pursued resolution through official channels and have filed an FTC Identity Theft complaint under reference # XXXX. Additionally, I have submitted numerous complaints to the Consumer Financial Protection Bureau ( CFPB ), all of which confirm my non-authorization of the aforementioned accounts. 

XXXX. It is crucial to note that the said accounts, identified as XXXX XXXX # XXXX and # XXXX, were previously deleted from my credit profile, further supporting the acknowledgment of their fraudulent nature. 

In light of the above, I hereby affirm the veracity of the contents of this affidavit to the best of my knowledge and belief. 

Executed on this XXXX day of XXXX, 2024. 

__________________________ XXXX XXXX -- - Both accounts were previously deleted by XXXX, then reappeared. 
XXXX  XXXX Dispute # XXXX / XXXX. 
These are not my accounts please re-delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXnquiry : XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00}

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made my credit card payment on XXXX XX/XX/year>. Payment posted both in my XXXX  XXXX XXXX account and in my Capital One account. I should note that my father and I both have Capital One credit cards. I paid our balances on the same day, both in sequential order. Both posted in both places as stated above. His available credit ( {$500.00} ) is updated the very next day. Mine still has not. I was told that they placed a hold on my card to ensure the payment would go through. It has. It is not pending. I was told by their customer service agent that, and I quote, 100 %, for sure, your available credit will be updated and available for you to use on the [ XXXX ] XXXX [, 2024 ]. Today is XXXX XX/XX/year>. It still has not updated. These people have upended my life! I rely on this card to live on throughout the month. Ive just had major XXXX, and Im on XXXX and not able to work. I can not afford to just lose {$500.00} on their whims simply because they felt like it for whatever reason that day, even after having already received my payment, AND holding an additional {$500.00} in collateral ( this is a secure credit card ). Placing a hold on my account was totally unnecessary and was most likely a result of discrimination. I can not even buy groceries now because they wont do what theyre supposed to do, what theyve promised to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the repeated attempts to rectify the late opening of my account with your esteemed institution. Despite my continuous efforts to resolve this matter, I have encountered significant challenges, leading to undue inconvenience and financial implications on my part. 

I would like to bring to your attention the following issues I have encountered : Communication Breakdown : Despite numerous inquiries and follow-ups, there has been a noticeable lack of communication regarding the status of my account opening process. This has left me feeling uninformed and uncertain about the progress made. 

Administrative Errors : On multiple occasions, discrepancies in the documentation submitted have been cited as reasons for the delays in processing my account opening request. However, upon careful review, I have found no inaccuracies in the information provided, raising concerns about the efficiency and accuracy of your administrative procedures. 

Financial Implications : The delays in opening my account have resulted in missed opportunities and financial implications, including late fees and penalties incurred due to the inability to access necessary banking services in a timely manner. 

Customer Service Experience : The overall customer service experience has been subpar, characterized by unresponsiveness, lack of accountability, and a failure to address my concerns in a satisfactory manner. 

Given the aforementioned issues, I urge you to take immediate action to rectify the situation and expedite the opening of my account without further delay. Additionally, I request compensation for the inconvenience caused, including reimbursement for any financial losses incurred as a result of the delays. 

Furthermore, I expect a formal acknowledgment of this complaint and a detailed plan outlining the steps you will take to prevent such incidents from occurring in the future. As a valued customer, I believe that transparency, accountability, and timely resolution of issues are paramount to maintaining a positive relationship with your institution. 

Please treat this matter with the urgency it deserves, and do not hesitate to contact me should you require any further information or clarification. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wish to file a complaint against JPMorgan Chase Bank for withdrawing a total amount of {$9700.00} from my bank account without my authorization. I demand immediate reimbursement of all funds by JPMorgan Chase Bank. 

Here are the details : On XX/XX/2024, JPMorgan Chase Bank made unauthorized withdrawals of {$1800.00}, {$3000.00}, {$1400.00}, {$500.00}, {$2900.00}, and {$1.00} from my bank account, totaling {$9700.00}. 
On XX/XX/2024, upon discovering the unauthorized transactions, I immediately contacted JPMorgan Chase Bank customer service, who assisted me in filing the first claim. 
On XX/XX/2024, JPMorgan Chase Bank customer service informed me of the rejection of reimbursement. 
On XX/XX/2024, I filed a police report and presented it to JPMorgan Chase Bank again. The bank staff assisted me in filing the second claim. 
On XX/XX/2024, JPMorgan Chase Bank staff once again notified me of the refusal to reimburse, stating it as the final decision, without providing any written documentation.

Company response to consumer: Closed with explanation