vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX  XXXX Balance {XXXXXXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {XXXX XXXX XXXXXXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ) XXXX Balance : 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 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account and my XXXX XXXX  XXXX XXXX XXXX ) .Both account was charged fee over the years.

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 2023-06-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {XXXX XXXX XXXX SER ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX 
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts were opens fraudulently and the bureaus keep validating accounts that stem from identity theft. This is unlawful and unfair to be victimized, these accounts are not mines. I know my rights under section 605b and section 609 of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And this is not my address delete it XXXX XXXX XXXX XXXX XXXX CA  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 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Account ending with : XXXX Hello, I am writing to address a matter concerning a recent letter received from U.S. Bank. It states that XXXX XXXX, with whom I conducted business in the past, has filed a chargeback for a trade we completed between XXXX and XX/XX/2023. 

The payment in question was made through XXXX for specific reasons, and it is important to note that XXXX transactions are typically non-reversible. Despite this, U.S. Bank did not take the initiative to investigate the claim or make efforts to contact XXXX for further investigation. As a result, they deducted {$480.00} from my account, asserting that I should not have received this money, and subsequently closed my account on grounds of fraud. 

I possess all the necessary supporting documents for the trade carried out with XXXX XXXX. Furthermore, XXXX should be able to provide additional information such as IP addresses, phone login details, and other authentication measures that only a bank account holder would possess when making such payments. 

Despite numerous phone calls to the fraud department and several emails to my branch manager, I have had no success in resolving this matter. U.S. Bank has placed a hard hold on my account, withholding my funds and preventing me from conducting any banking activities. 

Thank you for your attention to this urgent issue. I kindly request your prompt assistance in rectifying this situation and ensuring the release of my funds. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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:
Hello, I opened XXXXhree dispute cases with Wells Fargo Bank regarding the non-receipt of merchandise/services from an online gaming company. These purchases were made to upgrade my gaming account. 

Wells Fargo Bank closed the disputes without requesting any supporting documents. They claimed that I had filed too many disputes and were unable to assist me. 

I provided supporting documents for the website purchases, clearly stating that I did not receive the service. Furthermore, I included confirmation from a customer support agent, affirming that the transactions were pending and not permanent. I was assured that a refund would be processed eventually. Unfortunately, this refund never materialized. 

Despite sending multiple faxed documents to request the reopening of my cases, I have not received any response from Wells Fargo. 

I am now seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ). I kindly request their intervention to urge Wells Fargo to reopen my claim with the merchant. Additionally, I request that the merchant either provide credits to my account or refund my money. 

Please find below the claim numbers : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has shown blatant disregard for the FCRA. I have sent numerous correspondence requesting that two fraudulent entries on my credit report be blocked under FCRA Section 605B. My first try the credit bureau listed the fraudulent entries as verified. Upon my second notice, I was notified that the dispute did not come from me and it did. I tried to reach out to Experian to confirm I was in fact the person who sent the correspondence but I was rudely hung up on. I would like to add I include my identification documents each time I send letters to a consumer reporting agency.

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 2023-06-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

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 2023-06-05 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: NE

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: NE

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: GA

Complaint narrative:
I have sent multiple letters to TransUnion for the past year citing fraudulent information being present on my consumer credit report. For over a year I constantly get stall letters from TransUnion stating that the complaint did not come from me despite confirming to them on numerous occasions that I am the one submitting these disputes and providing identifying documentation.

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 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: GA

Complaint narrative:
I XXXX XXXX had no knowledge of this debt from a summit collections account. Summit collections have not called my phone one time. This is illegal debt and identity fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I reached out to XXXX requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with Oportun on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give XXXX permission to but these inquires on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
In XXXX of XXXX I requested and was granted a forbearance with my mortgage company Shellpoint financial services. In XXXX of XXXX Shellpoint ended my forbearance without my consent, approval, or knowledge. It wasnt until after I had received several very confusing and contradictory letters in the mail that I called them to find out what the deal was and why it seemed like my forbearance had ended when I did not end it, that I was told the situation. Although I was not aware of it at the time this would be 8 months short of what I legally was entitled to. Since that time I have been scrambling to come up with the money to get caught up despite the fact that I am still experiencing a hardship. I am currently working with a housing counselor to try to talk with Shellpoint but they are not even acknowledging the fact the they are denying me time that by law I should have had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CRED Technologies dba cred.ai
State: CA

Complaint narrative:
On XX/XX/2023 a company by the name of Cred.ai, which provides a credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX licensed by XXXX XXXX XXXX, blocked my card. I reached out to Cred.ai only to be told I would receive an email with further instructions to remedy the situation. 

I received the email on XX/XX/2023 from Cred.ai support, which was asking for me to use the provided link to upload a picture of my driver license, my social security card as well as a selfie with me holding my driver license. After uploading it said that the upload was successful and was submitted. 

As of today, Ive called almost every day to get an update as to my card and why it is still blocked. Ive sent a total of four ( 4 ) emails to them asking for updates. All of which has gone without a response of any kind. Every time I call, the representatives inform me my card is still blocked and they have no further information. They inform me that they will escalate the matter and someone will reach out. Yeah, at this rate I have a better chance of winning the XXXX every Wednesday and Saturday before anyone reaches out to me from this company. 

Im tired of getting screwed by this company. Either they unblock my card and we go about our business or they REFUND ME everything that is in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
My SS XXXX is deposited in my government issued XXXX acct on the XXXX of each month. I went to the ATM on the XXXX of XXXX to withdraw my rent & discovered a charge of {$120.00} that I never made had made me short to pay my rent! I called US Direct Express to report the unauthorized charge & in the time it took to get them on the phone another charge of {$120.00} was also charged to my card. The bank told be the merchant who charged then was " XXXX XXXX XXXX XXXX  '' at XXXX. I called the number and it was not a company & there is no such business listed anywhere on the internet! The bank told me I had to wait 3-4 days until the theft was complete & the thieves had been paid my money to file a dispute on the charges. This is so wrong! The bank is trusted with my government benefits & this is the only income I have since my XXXX diagnosis last summer & {$250.00} really truly hurts me & my family. It has made it so I am unable to pay my rent! XXXX & homeless because my benefits are being stolen & the bank is allowing it to happen. This banks consumer dispute process is non existent & doubt they approve any at all as they just claim they never received any paperwork back from the consumer & close the file. This needs to change! If a consumer notifies the bank of a blatant fraudulent charge/outright theft occurring & the bank processes the charges anyway then they should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief