vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.

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 2023-12-29 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: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 my Wells Fargo Credit Limit was lowered from {$10000.00} to {$8900.00}. I have been a loyal Wells Fargo Customer for over 8 years and have NEVER missed a payment nor have I ever made a late payment. These past XXXX years have been a struggle financially everywhere and I have still been able to maintain a 100 % on time payment percentage. This 10.5 % drop in my open credit line will drop my credit score drastically. I recently paid nearly {$1000.00} to lower the balance owed and Wells Fargo immediately stripped that away. I monitor my credit score through Wells Fargo and it recently went up so I find this to be an unwarranted drop in my credit line. I am only asking for my credit line to be restored to it's {$10000.00} limit to avoid my credit score going down.

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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone stole my credit cards and used it to purchase things and or send money on PayPal. I reported it to my bank and the bank ( XXXX XXXX XXXX XXXX XXXX reported that they sent PayPal the funds back due to PayPal providing a statement. They stated I have to file a claim with PayPal to get my money back. Although I never did business with PayPal. PayPal said the claim is still open and I have to go through my bank. PayPal also stated the claim the banks submitted were incorrect. The banks need to file a proper claim. The people who stole my information are in XXXX. I did press charges Card numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After disputing these fraudulent accounts with Capital One, Capital One Financing Corp has Account numbers XXXX | XXXX that is reporting to my account " XXXX XXXX XXXX ''. After contacting the Capital One Fraud Department, I was informed that this " company " refused '' to remove the " fraudulent account '' associated with my account. Based on the correspondence from Capital One fraud department ( letters attached ), each fraud case was closed for " lack of information '' disregarding faxed FTC letters and FTC reports submitted. As I stated in my previous claims, Capital One Financing Corp and it's third-party debt collecting affiliates are in violation of : 15 USC 6802 : Companies, corporations, CRA 's , etc need written instruction to make a consumer report by the consumer. Without written instruction this " company '' has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law, Capital One Financing Corp has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase forced to closed my account without any further information, I had tried to called them couple times and went to branch got no heard back what is the reason they closed my account and not sending my fund back. I need to the fund for my bills, day care and rent. I did not get any heard back from them at all, they just said keep calling them everyday to check the status of my information, but no information about my return funds been giving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
This account was for XXXX but they took My Money and never confirm XXXX that we agreed to paid and delete now XXXX said I never paid plus why is my account being pass around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023 the amount {$250.00} was deducted from my XXXX XXXX checking account without my approval. This deduction caused my payment to my account at XXXX XXXX  to be declined and subsequently my credit score dropped from a XXXX to a XXXX. Even though I have over draft protection on my account the charge was still declined. Corresponding with XXXX XXXX complaint # XXXX requested a letter from XXXX XXXX XXXX  stating the error and XXXX would resend the Late payment from the XXXX credit reporting companies to restore my good credit. The problem is XXXX XXXX will not issue the letter even though they admit to the unauthorized deduction that Caused the initial problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late, yet they are reporting me as such.

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 2023-12-29 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:
Ive submitted this complaint several times CFPB, XXXX XXXX TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX & TRANSUNION with FTC Fraudulent report support my position. It seems XXXX TRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these accounts blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts removed/blocked per 605b with the attached documents again. Thank you 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 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 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 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 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 2023-12-29 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:
Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from Equifax, XXXX and XXXX. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent.

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries.

The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Examine the attached documents. I insist that the bureau begin an investigation into these accounts, as I am never late, but they are inaccurately reporting me as such.

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 2023-12-29 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: MA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the Equifax Data Breach.I want these items Deleted from my Credit Reports effective immediatelly.I am attaching Proof that Equifax has admitted that i was in fact a victim of this Data Breach and Equifax has done nothing.Please help me Delete these illegall accounts from my credit report.And if they dont get Deleted it i will proceed with a Law Sue immediately.Im attaching all accounts to be Deleted Below. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also i want all Hard Inquiries Deleted from XXXX, Equifax, XXXX from XX/XX/XXXX XXXX XX/XX/XXXX immidiately.Also i want only in all 3 Credit Reports this information Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Im not retired please removed that from all reports.I work full time. 
THATS THE ONLY INFORMATION I WANT ON MY REPORTS DELETE ALL OTHER INFORMATION IMMIDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX put a credit inquiry on 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 2023-12-29 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: MA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXX.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that i was a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL 3 CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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 2023-12-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On Thursday, XX/XX/XXXX, Citibank NA Best Buy made a hard inquiry on my credit. I called Friday, XX/XX/XXXX and informed them of this. They told me someone applied online and hence the hard inquiry. I told them this was not me. They told me it was declined due to misinformation. I asked them how the person applied and where. They told me it was online. I asked them to tell me what information was provided so I can see if I can figure out if I know who did this or if it was a stranger. They would not tell me. They confirmed with me that it was NOT me. They told me they would remove the hard inquiry and I was just alerted of a SECOND hard inquiry made today on XX/XX/XXXX after talking to them. I now have XXXX hard inquiries from them.

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XX/XX/ Venmo froze my account for security verification. I sent in my identification and now it has been XXXX days and I still can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: WA

Complaint narrative:
My social security is paid via Direct Express debit card. XX/XX/2023 I paid to bills one for XXXX, and XXXX. On the XXXX  I noticed two transaction that I didn't make I called to dispute them my debit card was closed and a new one came in the mail. My bill for XXXX was not paid because the card was closed down but the other bill went through. The two transaction for XXXX hasn't been refunded they keep jerking me around and are very rude and hang up on me. I am the victim and direct express continues to victimize me. I live off of social security money and this is a hardship. I have a claim number, XXXX, it for one disputed transaction I have tried to have them add the two other disputed added to that claim they just don't want to refund my money. This is stealing. I am so tired of them hanging up on me. Is this how government workers do business? XXXX  they are out of control. This is my money not theirs. I will file a complaint with social security as well because direct express is good for nothing, I will stop my money going to these government thieves. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have several Certificates of Deposit ( CDs ) at PenFed. I need to " cash out / close '' XXXX of those CDs, with the net proceeds being deposited into our XXXX XXXX Account at PenFed.

Per PenFed XXXX direction, I have submitted formal request ( XXXX ) via email to XXXX asking for the XXXX CDs to be cashed out. 

The formal request included the following specifics : acknowledgement and acceptance of the " early withdrawal penalty '', specific account numbers and dollar amounts of the XXXX CDs in question, specific account number of the Money Market Savings account which I'd like the net proceeds transferred to upon CD closure, and a .PDF containing the entire request with " wet ink signatures '' from myself and my wife ( joint accounts ). 

After XXXX formal requests ( initial request sent on XX/XX/XXXX and a follow up request sent on XX/XX/XXXX ), PenFed refuses to respond or even acknowledge the requests as of today XX/XX/XXXX. 

We have significant near-term needs for this cash ( XXXX XXXX XXXX XXXX XXXX XXXX ), and PenFed 's refusal to take action or acknowledge the request may cause potential unforeseen financial hardship onto us. 

Kindly requesting CFPB to intervene here to hopefully facilitate timely resolution. Thanks so much in advance.

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 2023-12-29 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: TX

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. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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