vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently reviewed a copy of my credit report and I was shocked to have learned that I have been a victim of identity theft. I have recovered several accounts that were opened by me. I need this to be rectified immediately, this is affecting my financial creditability, I'm unbale to promote at my job and I'm constantly being denied credit! I'm depressed and at my lowest .... I don't know how much more I can take! Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-26 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover card is charging me for a mechanic that I gave the card to, he charged me approximately {$2500.00}. The next day the car broke down with the same issue the mechanic at the 1st shop told me there wasent anything else he could do. I asked for my money back he said no, I then went to a 2nd mechanic that said it was never fixed. I had to pay him another {$2000.00} the 2nd mechanic fixed it. Discover card told.ne I still have to pay the 1st mechanic and I keep trying to ask them why they would allow this type of treatment. They don't care, and the charge is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
They would not close my account without verifying my social security number. Since they allowed my social security number to be used without my consent i did not feel comfortable handing over this information. They were able to obtain my address in order to send me the debit card, but would not verify my account with my address. They will not close my account that I did not open. 

I'm not sure how you can open an account in my name without verifying who i am, but won't allow me to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I placed a order on Thursday XX/XX/XXXX  to XXXX and cancelled part of the order due to shipping lead times on Saturday XX/XX/. I was told on Sunday that the cancellation had been processed and refund issued for the part I cancelled. I reached out to Cash App 's support and was told to reach out to the merchant. I reached out to XXXX support and was informed that I was only charged {$10.00} for the part that shipped out even through I still had a hold on my account in the amount of {$120.00}. I reached back out to CashApp support and was told again that they can not do anything and to again reach out to the merchant and that the charge would drop off in 7-10 business days if there was no further activity on the merchants end. I waited to contact them again until today Tuesday XX/XX/XXXX  to give it time to complete processing from the weekend. As there is still a {$120.00} hold on my account. I again reached back out to both companies that continue to put it back on the other. CashApp still states that there is nothing they can or will do regarding the hold and refuse to release the difference I was charged in the amount of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed and Wells Fargo refused to help. I was scammed by a man of {$480.00}. I was given a check then he requested the money back via XXXX and I sent it like he asked, but before I had sent the money I talked to multiple Wells Fargo employees to make sure everything was fine. I was even on a recorded line when she said as long as the check processed that it was fine to send it through, which it did. This was all said on a recorded line. Then, I am looking at my account a few days later and I am in the negatives. Wells Fargo pulled the {$480.00} out of my account because they guy who sent me the check stopped the payment on the check. After talking to a bunch of other Wells Fargo employees I was told to file my claim and then file two case reports one for sending the money and another for the {$480.00} pulled from my account, which i did as they said and was again told by multiple bankers that everything would be okay and that I would get my money back. Lone behold my claim was closed and they said there was nothing they could do about it. It was a ridiculously long process for everything that the bankers told me to have just been lies. I was given plenty of attitude as well on the all the recorded lines. I am also a college student so they have royally screwed me over when it comes to payments on my college funds.

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 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
I was living in a duplex apartment and out of nowhere, the landlords sold the blg without giving me time to find another place to live. I was told by original landlords that they " didn't want to deal with the apartment because they were getting quite elderly and it was too time consuming and that they found a buyer. They literally had someone come in while I STILL lived there to view it and the following week they sold it. I was told by my original landlords that I had to vacate by the end of the month ( this was mid XX/XX/XXXX ) so the new owner could shut things down and began renovating the duplex. I very huridly got out and attempted to shut off the utilities but was told the final billilng would not be available for another month or 2. When the bill was finally available to me, I was informed by the company, XXXX XXXX XXXX XXXX XXXX XXXXthat the bill was sent to collections because it was not paid by the end of the monthly billing cycle. I then waited for the collections dept it was sent to to contact me, when I got their bill, I PAID IN FULL. I was told they would remove it from my credit report as a bad debt once paid and yet it remains there, though not showing a balance due, it shows up as " potentially negative debt '' owed. I have asked them several times to remove it but they do not. I want it removed as I have honored my part and paid the debt owed...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : BXXXX XXXX XXXX XXXXXX/XX/2022 XXXX 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 of 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX Experian 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 of 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
Received several welcome emails yesterday ( XX/XX/2023 ) informing me that an account had been opened in my name, that I may download the app, set up direct deposit, and a debit card was being mailed to current home address. I have not authorized the opening of this account. 

Reluctant to give out any additional information, an email was sent requesting the closure of this account and related information such as where the account was opened. Received confirmation of account closure, but no additional information shared without more personal data or this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently reviewed a copy of my credit report and I was shocked to have learned that I have been a victim of identity theft. I have recovered several accounts that were opened by me. I need this to be rectified immediately, this is affecting my financial creditability, I'm unbale to promote at my job and I'm constantly being denied credit! I'm XXXX  and at my lowest .... I don't know how much more I can take! Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently reviewed a copy of my credit report and I was shocked to have learned that I have been a victim of identity theft. I have recovered several accounts that were opened by me. I need this to be rectified immediately, this is affecting my financial creditability, I'm unbale to promote at my job and I'm constantly being denied credit! I'm depressed and at my lowest .... I don't know how much more I can take! Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX I applied for a Chase XXXX XXXX XXXX via the XXXX XXXX website. I applied for this credit card under the promotional offer of {$300.00} statement credit ( after first purchase ) and XXXX bonus miles. The {$300.00} statement credit was the ONLY reason I applied for this credit card. 
On XXXX I called Chase customer service to acquire in the stated promotion and was told that Chase has the right to change the promotional offer at will. This is a classic bait and switch. Again, I would never have applied for this credit card, and impacted my credit score if it wasn't for the advertised / published offer of {$300.00} statement credit. 
After a second call to Chase customer service, I was told marking would get a " service ticket '' on XXXX I received an email from Chase stated I was NOT eligible for the advertised {$300.00} statement credit. No explanation. Again, obvious Bait and switch tactic!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC

Complaint narrative:
I applied for a new construction loan with cardinal financial. I was working with a contractor who was vetted and used by the bank prior to my loan. Long story short the contractor was associated with a company named XXXX XXXX  who have been ripping people off and didnt have license contractors and were taking peoples first draws, and not proceeding with the building process. I was working with the same company until I saw the red flags and was introduced to another builder which was vetted by the bank cardinal financial fast for fast forward several months they received my first draw a {$43000.00} and have not done any work on the property in months and will not communicate with me on refunding my money after termination, I found out that they were part of XXXX XXXX scheme, notified the bank, which did further research and found out that there were over 10 other clients of the bank who have been dealing with the same contractor and building company, we have all gotten together and realize we all had the same bank in common and reached out to them for help and they told us we were on our own on getting our money back. I do not believe that is fair being that there were several customers of theirs that were Friday by the same people and associates of the same people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation