vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
On XX/XX/year> I was notified by Wellsfargo that internal fraud had occured on my account. I spent hours on the phone and in a brach to resolve. I was told my account was accessed by a fraud IP address and all my accounts were at risk. My checking account, savings account, XXXX, money transfers and credit card had all been hacked. I was told to change all of my online access which I did, I was told to open new checking and savings accounts, which I did. I was told after investigations that the moneys transferred would be returned. The fraud transactions on my XXXX were returned, the credit card transactions were retruned, the debit transactions were returned. All were investigated and determined to be fraud. All of these transactions happened on the same day. However, the monies transferred to my checking ( {$1000.00} & {$900.00} ) were then withdrawn at an ATM. This was also FRAUD. I have never withdrawn money from an ATM in the years I have been a customer. I was in possession of my card the whole time and no one has access but me. This was done in fraud and I would like my money returned.

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 2024-04-30 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: MA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-30 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: GA

Complaint narrative:
According to per USC 16814I DID NOT AUTHORIZE THE REPORTING OFFICES, ACCOUNTS UNDER 115 USC 1681 C-2 PLEASE BLOCK & REMOVE THE FILES. ALL LISTED FILES LISTED BELOW ARE FOR ALL THREE MAJOR BUREAUS ... ADDRESS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Around XXXX of XXXX an account showed up on m credit report for {$550.00} for a company I XXXX Systems ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claiming to be collecting for T-mobile I disputed it with the credit XXXX Credit Bureau it was investigated and removed but in XXXX of XXXX this account showed up again. I disputed the account once again and called my phone company T- Mobile with whom I still have an 18 year phone account with an they have no record this account, and they could not help me. I have a disputed with XXXX and I tried to upload my phone bill but XXXX is having trouble with their uploading system, I will keep trying. I don't owe this money and someone is clearly using my information, I ask if you could help please resolve this dispute.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 my Home Depot account was used at a store XXXX miles away from my residence in XXXX XXXX XXXX. I received an email from Home Depot about the suspected fraud and I called Citicorp immediately to dispute it as I was at home at the time. I also cancelled the account. On XX/XX/2023 I received another notification that my account was used a second time at the same location, while I was also at home. My wife can verify both times of my location. When I called Citicorp and asked how can they used a closed account I was told that a new account was automatically opened and the new account was used. I did not ask for a new account and was unaware that one had been opened. After a couple of months the first charge was reversed. The second charge is still on my account as of today. I filed a complaint with my local police after some digging they found video of a couple, not my race, making the purchase. I called the Citicorp fraud dept and told them the new information and they asked me to send me my drivers license to verify my identity. I sent it in early XXXX of 2023 and on the XXXX statement the charges were reversed. On the XXXX statement the charges were reinstated without any notification from Home Depot or Citicorp. I called again today and am going through the same run around as I have done for the past 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 monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to contest the inclusion of this bankruptcy on my credit report. It's alarming because I possess a court letter clearly stating it should not be reported to you. Additionally, the involvement of an unauthorized third party adds to the ridiculousness of this situation.

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 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This is an additional complaint against AMEX. My original CFPB complaint # is : XXXX. 

I am attaching the original cease communication letters sent to Amex on XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-30 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: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I am a card holder with AVANT credit card. ( Web Bank ). IN GOOD STANDING. My bill is due the XXXX of every month : it is ALWAYS paid on time. ( Last payment posted XX/XX/XXXXXXXX. Today XX/XX/XXXXXXXX  I received an alert from my private bank that Avant attempted a debit of {$1200.00}. I immediately attempted to log into my Avant account. Unsuccessfully so I attempted to reset the password I checked my email for the link there was none however I did see an email from the day before stating that they updated my email as per my request. I did not make a request to update my email I do not have an alternative email. I then called my financial institution my private bank who issued a stop payment on the transaction and gave me the phone number documented to the transaction. When we called the XXXX XXXX Avant it was an adult dating XXXX line we immediately knew there was a problem. 
I took my card out of my wallet and called the phone number on the back and I informed supervisor XXXX XXXX that their corporation seemingly had been hacked not only did someone change my email in their system but they attempted to withdraw money from my bank account without my consent and I explained the phone number attached to that transaction was an adult chat XXXX line I even called the number and let the supervisor listen to the phone call it was not advant. I explained that now my personal banking account have been compromised that I have had this account since XXXX and someone had compromised the routing and account number through their corporation. All I got was an apology and someone would reach out to me in 14 days. Not only was I trying to correct my problem but I was trying to inform this banking institution that their corporation had been compromised and their customers information had been compromised I have had no resolution except I am having to pay {$35.00} to make a stop payment for this unauthorized transaction. I feel at this point in time the Federal department in charge of these such things should look into this as I am sure I am not the only customer who has been compromised and personal information leaked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX with XXXX XXXX XXXX said loan was taken out through XXXX XXXX. ( I believe my original home loan 31 years ago was taken out through XXXX XXXX, but loan was sold to someone else shortly after purchase. I've never had any accounts at XXXX XXXX besides this short-lived one. ) He said it was taken out on XX/XX/2020 ( that's not a special date to me. ) He noted the application said I worked at XXXX and XXXX ( I was to interview for a job there years ago, but never actually went to the establishment for the interview. ) The email associated with account is XXXX. ( My daughter 's name is XXXX XXXX which is not common, but she doesn't think she ever established a XXXX email. She'll check on it today once she's out of her exam. ) He noted two phone numbers- XXXX and XXXX. ( Phone ending XXXX is presently my active cell phone number, while phone ending XXXX was my home phone number disconnected several years ago. ) The amount due on the installment loan is {$2500.00}. On my credit report, it shows XXXX XXXX XXXX with phone XXXX and when I called I spoke with XXXX XXXX. He's started at investigation on his end as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : 1. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX XXXX XXXX 2. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX 3. Date : XX/XX/year>2022 Company : XXXX  XXXX 4. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX 5. Date : XX/XX/year>2022 Company : XXXX  XXXX 6. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX  XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile. 
5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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
Consumer complaint received 2024-04-30 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 2024-04-30 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: NM

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 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