vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank has made so much stress in me and affected my credit with pay in 4 they charged me numerous overdraft fees and have falsely changed dates of deposits so that they can charge overdraft fees. The manager knew he was in the wrong and refunded some overdraft fees but not all and it should not have happened in the first place. They were rude unhelpful and told me to close my acct. I am a single mom and this has affected my credit and upsets me because when I closed my acct he gave me refund check of XXXX that was left un my bank but he ows me over XXXX and I will have to take to small claims because I have several statements printed and the show different details. If you look at my ending balance of XXXX on XXXX XXXX then add my deposits of XXXX that would be XXXX and if you subtract my card withdraws of XXXX if you subtract it leaves a balance of XXXX and the XXXX. Was in overdraft fees and 1 XXXX XXXX  transfer of XXXX so my ending balance should be XXXX and that is mine and owed to me and since they have messed up my credit that I was trying to re-establish and have cause me to have late charges and lowered available credit and issues so I'm paying for US Bank mistakes and I won't give up on fighting for my rights and I was treated unfair and I'm very upset.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX XXXX XXXX XXXX Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for XXXX Theft. I have a complaint with the Washington State Attorney General XXXX XXXX and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Equifax, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: AZ

Complaint narrative:
From XX/XX/2023 to XX/XX/2023, a total of 14 unauthorized transactions were made to my Wells Fargo debit card. Four transactions were made on XX/XX/XXXX, each transaction was for {$500.00}, totaling {$2000.00}. One transaction was made on XX/XX/XXXX totaling {$400.00}. A total of four transactions were made on XX/XX/XXXX, one for {$400.00}, one for {$1000.00}, one for {$1000.00} ( again ), and finally one for {$400.00}, totaling {$2800.00}. One transaction was made on XX/XX/XXXX, totaling {$500.00}. Three transactions were made on XX/XX/XXXX, one for {$800.00}, one for {$700.00}, and one for {$500.00}, totaling {$2000.00}. One transaction of {$300.00} was made on XX/XX/2023. This brings the total of unauthorized transactions to {$8000.00}. Im not sure who stole my debit card information during this time ( could have even been at a restaurant, or anywhere ), I tried calling Wells Fargo multiple times and explained my situation and why my debit card was not reported stolen until XX/XX/XXXX. I let them know I was unaware my debit card was being used by someone else, they still are not cooperating and refunding me my money. How am I at fault someone stole my information and was using it without me knowing? I will keep trying to contact Wells Fargo, hopefully we can work something out.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I HAVE BEEN DEALING WITH THIS  COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX) ACCOUNT  NUMBER (XXXX) , AND EVEN WHEN I HAVE DISPUTED IT  WITH TRANSUNION JUST ABOUT 3 TIMES , INCLUDING ONES THAT I DID CALL  TRANSUNION ON (XXXX)  TO THE  DISPUTE DEPARTMENT WHICH  AT THE TIME THE GENTLEMEN WHO WAS RUSHING ME TO COMPLETE DISPUTE AND NOT VERY HAPPY  ON PHONE, I HAD THE FEELING THAT NOT A SINGLE THING THAT I WAS TELLING HIM TO STATE IN DISPUTE WENT THRU. THE GUY DID NOT HAVE THAT MUCH PATIENCE WITH WHAT I WAS STATING, NOT A VERY GOOD EXPERIENCE WITH TRANSUNION PEOPLE. 
ON XXXX I GOT  MESSAGE , THAT THEY COULD NOT REMOVE ACCOUNT FROM MY CREDIT REPORT FROM TRANSUNION.
0N XXXX I DECIDED TO GO AHEAD AND PUT ANOTHER DISPUTE ON TRANSUNION WITH  THE DIFFERENCE THAT THIS TIME I WAS GOING TO TYPE IT MY SELF, I DID GIVE THEM DETAILS OF PROBLEMS , AGENCY NAME, AND ALL THE HEADACHES THAT I WAS HAVING DOE TO BAD  CREDIT REPORT. ON XXXX I GOT MESSAGE THAT THANSUNION COULD NOT REMOVE ACCOUNT FROM MY CREDICT REPORT, AND THATS ALRIGHT I AM WRITTING   YOU TO PLEASE HELP ME UP WITH THIS MATTER.
BUT AWAY ON XXXX I DID DISPUTE THIS ACCOUNT (XXXX) WITH XXXX AND THEY WERE ABLE TO  DELETE IT (REPORT NUMBER
XXXX  ), I AM ALSO VERY HAPPY TO SEND PICTURES AND  CREDIT REPORT FROM EXPERIAN  IF YOU LIKE.
I DO WORK VERY HARD AND PAY MY BILLS ON TIME  TO HAVE A GREAT CREDIT REPORT ,  A REPORT THAT LATELLY DOES NOT LOOK LIKE IT JUST TO LOOK BEFORE THIS ACCOUT IN COLLECTION IN 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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; UXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$4200.00} ; XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4200.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid 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:
In XXXX I purchased 2 lamps I chose for XXXX 3days later the shop owner called and said he did not have what I pick but he would pick for me bigger and more beautiful lamps his words not mine I said no just reverse my charge he said no as soon as I got back from my 10 day trip I called Discover they said until the charge came in they would take care of it. They did reverse but 2weeks later they reversed there reversal and said he proved he shipped them The wrong lamps did show up but they were not what I order so I called Discover to let them they know the wrong ones had arrived Discover told me to send them back with proof of delivery I did. They reversed the charges again but a week later they reversed them a gain and I had to remain all the paper work and a copy of his text stating he switch the lamps to some they he did have I not only mailed the paperwork but also went to XXXX XXXX and faxed them at the end of XXXX they said all was good and not to worry I closed on my new condo XX/XX/XXXX so I did not keep my papers now Discover charged my account almost 6months later and said he had a no return policy this is not a return he switched product on me and admitted it but Discover does not care. I have talked to many people at discover and on the phone they agree with me but say there manager made the decision to believe the shop owner on no returned so now I have paid the charge have no lamps because Discover told me to mail back the wrong lamps I have nothing for my XXXX dollars but the shop owner has the money and I have paid Discover so I do not ruin my credit. I was so mad I told them to canceled my card and they told me my husband was the card holder not me I said I did not know that my name was on the card My husband of XXXX years passed away last XX/XX/. I tried to pay on line but had to call and pay in person with my routing number now this afternoon I found out Discover open an account in my name with a balance of XXXX please help stop this this is not fair if you what more information please call they admitted they have all the paperwork

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Finance Discover Credit Card company is pulling a soft inquiry every 2 or 3 days and it shows up on my credit report one after another after another. Literally 2 to 3 times a week. I am not interested in their financial services and have asked them to stop on numerous occasions. I feel as it is a harassment against me and my credit report. I realize it is not the same as a hard credit inquiry but they are doing it in excess.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of XXXX, a check in the amount of {$15000.00} was given to me as a gift. I endorsed the check to my family member. Because the check was from Chase she thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because they claim they were not able to verify me by my phone number. They told her that because I was not able to be verified by phone that I would have to bring my ID into the bank branch to be verified. When I was able to bring the ID to the bank they told us that they no longer accept identification verification in the bank branch and I must be verified by phone. They explained that my phone number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money back or returned to the original account.. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$470.00}

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 non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
In XXXX I had a deferment of my loan. I deferred my payments to the end of the loan due to covid epidemic. Through this time of deferment this company has Reported late payments to the credit bureau as being late. This needs to be change as it was in deferment.

Company response to consumer: Closed with explanation