vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: MI

Complaint narrative:
Contemporary information Corp is reporting incorrect information on the consumer file they have populated for me. There is a civil record that is incorrect. I have disputed this information and it still remains. I am giving CIC 7 days to produce the records used to verify the information or I will being pursuing legal action. You will be responsible for all legal fees incurred for pursuing this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Have contacted Western Union at XXXX to find out about the status of my refund of {$6000.00}. 
On XX/XX/XXXX XXXX opened a case for the refund : number XXXX. 
Then on XX/XX/XXXX XXXX told me that the check had been processed on XX/XX/XXXX and was mailed to my address so give it about 5 to 7 days. 
Called again on XX/XX/XXXX and XXXX told me that they were working days not calendar days and would probably receive it by XX/XX/XXXX. 
Today XX/XX/XXXX called once again and now XXXX told me that the transaction was under review. 

Since the money transfer was on XX/XX/XXXX I feel that they are giving me the runaround and my money is in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a previous complaint and received a phone call at XXXX XXXX  today XX/XX/year> from a man named XXXX stating that wells Fargo would not be refunding my {$6300.00} because that was the decision the investigating agent has made. I let him know that these charges were not authorized and he said he believes they were. I also let him know that the charges I am talking about are a different merchant than the one he was stating. They will not release/refund my money. He said he couldnt help me. Please help. The charges not authorized are from XXXX in the amount of {$6300.00}.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Ive reviewed my credit report and found multiple billing inaccuracies. These late payments dont align with my typical payment habits. Please address these mistakes and update my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
LexisNexis is reporting XXXX XXXX XXXX as Im at fault. My insurance company has instructed me to contact LexisNexis and let them know to correct it. They have not and Im unable to obtain vehicle insurance until they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am writing to formally request that the inquiry listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. This inquiry was made as a result of unauthorized access to my personal information, and I am requesting its immediate removal from my credit report. 
The following inquiry should be blocked and deleted from my credit file : XXXX. XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am writing to formally request that the inquiry listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. This inquiry was made as a result of unauthorized access to my personal information, and I am requesting its immediate removal from my credit report. 
The following inquiry should be blocked and deleted from my credit file : XXXX. XXXX XXXX  XXXX XX/XX/year>

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 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union intentionally keeps charging me excessive overdraft fees. I called in about a {$55.00} charge from XXXX and disputed it because of an incident with the company. After taking my information the next day Navy Federal Credit Union charged me {$29.00} stating from a {$33.00} transaction. If XXXX XXXX would have reversed the transaction as I stated the account would not have incurred this fee. Navy Federal Credit Union intentionally hold transaction to cause the account to go into overdraft to access these fees. They are also not returning money they took from me previously even though they are currently being required to return customers money due to a lawsuit bought against them by the CFPB. They have not returned any of my money and I have consistently complained about this bank and their illegal practices. I am fed up with this bank and their illegal practices. XXXX XXXX stole my tax refund for allege overdraft fees but have been unable to prove this. I am now gearing up to sue this bank if this is not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am writing to formally request that the inquiry listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. This inquiry was made as a result of unauthorized access to my personal information, and I am requesting its immediate removal from my credit report. 
The following inquiry should be blocked and deleted from my credit file : XXXX. XXXX XXXX  XXXX XX/XX/year>

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 2024-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Complaint filed requesting CFPB 's assistance. The company responded to CFPB but has not responded to me. After review of the information furnished by the collection agency provided on behalf of XXXX XXXX XXXX, and due to the fact that the lease contract lacks fulfilling " consideration and capacity, '' as it pertains to me as the alleged debtor the contract is not valid. I have taken steps to communicate with all parties but none of the entities have responded to provide me with any information such as collection notices or consumer rights notices. I dispute owing {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Block, Inc.
State: TX

Complaint narrative:
I have been using Cash App and my account has been charged multiple times on transactions that I did not make or authorize. 
The most recent being on : XX/XX/XXXX @ XXXX, in the amount of {$37.00} XX/XX/XXXX @ XXXX the amount of {$5.00} XX/XX/XXXX @ XXXX in the amount of {$5.00} XX/XX/XXXX @ XXXX in the amount of {$5.00} all being from " XXXX XXXX '' I reached out to Cash App Support several different times about this issue and they have done nothing. They wont even tell me and information on the merchant so that I cant try to contact them on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I looked my credit score and noticed that there was a hard credit inquiry be between XX/XX/year> and XX/XX/year>. 
After looking in to it FEB/DESTINY Mastercard. Did the inquiry. I do not know if they sent a card to someone or not. All I know is that I did not apply for a credit card or give my personal information to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding XXXX XXXX XXXX, which is reporting inaccurate information on my credit reports. The reported balance owed is higher than the actual amount, payments made are not accurately reflected, and there are significant inconsistencies in the account information. Despite my efforts to dispute these discrepancies, XXXX XXXXXXXX XXXX has failed to verify the debt and provide accurate updates. This is a clear violation of my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Inaccurate Balance Owed : The balance reported on my credit report is higher than the actual amount I owe. There is a clear discrepancy between the reported balance and the actual amount that I have documented. 
Incorrect Payments Made : The payments I have made towards this account are either not reflected or are inaccurately reported. This misrepresentation has caused unnecessary damage to my credit. 
Failure to Verify Debt : I have disputed this debt with XXXX  XXXX XXXX, providing documentation to show the errors. However, they have failed to investigate and correct the inaccuracies on my credit report. 
Violations : Failure to Investigate and Correct : XXXX  XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to verify and correct the inaccurate information on my credit report after I disputed the account. 
Inaccurate Reporting : The inaccurate balance, incorrect payment history, and inconsistencies in the reported information violate the Fair Debt Collection Practices Act ( FDCPA ) by providing false or misleading information to the credit bureaus. 
Damage to Credit : Due to the inaccuracies in this account reporting, my credit score has been negatively impacted, despite my efforts to resolve the issue. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the reporting of my XXXX  XXXX XXXX account {$13000.00}, including the incorrect balance owed and payment history. 
The failure of XXXX  XXXX XXXX to verify and correct the debt after I disputed it with the credit reporting agencies. 
The violation of federal laws related to credit reporting and debt collection practices. 
Appropriate action to ensure this account is corrected or removed from my credit report if the discrepancies can not be validated. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and correspondence related to my disputes. Please let me know if you require any further information. 

I appreciate your prompt attention to this matter and look forward to a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2024, I was scammed by a fraudulent account of someone that I have met personally. They were not this person that I met earlier this year ( fake dupe page of the real person/service provider ). The real woman I know of was named XXXX. They claimed to specialize in growing and selling XXXX and XXXX accounts, which are different niches that could help promote/sell related products like dropshipping etc. The cheapest account was XXXX followers page for {$10000.00}. So I was duped into buying one on XXXX XXXX split transactions to a business account- half on XXXX, half on XXXX  that wasnt hers or a company owned by the real woman. Her also, made-up assistant that she had me contact, XXXX, never said anything about it taking several days. She mentioned it would take XXXX hours via email. When I started questioning it because I still hadnt received it by day XXXX, and started to believe she didnt even have what she was selling. Several inconsistencies started to come up as far as her identity compared to the woman, XXXX, I met at the mixer earlier this year. I asked for a refund because it seemed odd. She accepted and I have several screenshots of the agreement of a refund on my behalf. She then stopped responding XX/XX/2024 and I still have not received my refund. And when I called out that she was not the real XXXX, I was blocked. 

There are other details, but I submitted those along with proof and conversations in my police report with the XXXX XXXX, tracking number XXXX. 

I then contacted my bank, Wells Fargo, and although they agreed that I was scammed through an impersonator/fraudulent person and service, they chose to classify it only as a scam and refuse to refund me, chargeback the fake merchant or disclose any other details as to why it wouldnt qualify for any action on their end. The woman I spoke with from the XXXX department, was XXXX, XXXX or XXXX on XX/XX/2024 at XXXX EST. As for XXXX, Wells Fargo told me to call XXXX, but XXXX told me to call my bank since the funds came from the banks balance, and when I called Wells Fargo Back, they said nothing could be done about it since XXXX was just responsible for sending the amount to the recipient. No matter if it was the wrong person, it was misspelled, a fraudulent person, etc.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
The TD bank debit card number was stolen to make fraudulent charges from XXXX. I filed my first complaint of XXXX charges I believed were fraudulent on XX/XX/XXXX : Date Bank XXXX Account Number Transaction Type Description Debit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$69.00} XX/XX/XXXX XXXX XXXXXXXX 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 * WA {$280.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * WA {$17.00} Today I received a letter from TD bank stating that their review concluded that an error did not occur and the reason given is that similar transactions were authorized by me and the spending pattern was consistent with previous account history. 

Although the charges XXXX look legit on my banking statement, they WERE NOT mine. I want the bank to provide proof that the XXXX account that made these purchases were owned by me, because I checked my account and they are not on there. I lost over {$1700.00} dollars right before XXXX, I have been a loyal TD bank customer for over 25 years. Their denial of my claim without a sufficient explanation or providing sufficient proof is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For about a month I have suspicious activities going on, on my personal checking account. Someone is using my checking account and wiring money from my bank to another bank. I have to call my bank every week to dispute a charge. My bank is not doing anything to secure my checking account. My bank can't explain what's going on with my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have received reports from XXXX XXXX on XXXX hard inquiries that I absolutely did not submit. XXXX from XX/XX/year> and then again yesterday on XX/XX/year>. I see the XX/XX/year> XXXX is from XXXX XXXX  and the XX/XX/year> XXXX is from XXXX XXXX. 

I received a letter in mail today regarding XXXX XXXX  declining my application due to lack of personal information. So someone is submitting these inquiries, has my correct address since the mail came here, but is missing some information. 

Both were placed on a Sunday and exactly one week apart apparently.

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 2024-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have received reports from XXXX XXXX on 2 hard inquiries that I absolutely did not submit. One from XX/XX/year> and then again yesterday on XX/XX/year>. I see the XX/XX/year> XXXX is from XXXX XXXX  and the XX/XX/year> one is from Capital One. 

I received a letter in mail today regarding XXXX XXXX  declining my application due to lack of personal information. So someone is submitting these inquiries, has my correct address since the mail came here, but is missing some information. 

Both were placed on a Sunday and exactly one week apart apparently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I paid my Care credit account in full for the amount of {$8200.00}. I also accidentally sent another payment after for {$3800.00}, leaving me with an overpayment of {$3800.00}. I called to get a refund and they gave me XXXX confirmation numbers stating they would refund me the overpayment. However, after looking at my account I noticed they are saying I still owe money and are charging me interest. They claim to have refunded me the payment in full. I called multiple times to get it fixed and they keep saying it is fixed and they will send me a refund of {$3800.00}. But my account is still accruing interest and it still shows a balance even though my payments have cleared the bank. I am currently out {$3800.00} and have a paid off account that is accruing interest.

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