vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been 60 days!!! When I call to check on each respected document with each bureau ; I an given the " run-around ''. I am being told that they have not received the documents and that I should just simply mail them again. I have since mailed said documents a grand total of 5 times. I, unfortunately, am still given the exact same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and ( additionally ) I demand that ALL items listed on each letter be DELECTED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, Someone made purchases using my Wells Fargo credit card for over {$10000.00}. This consists of a total of 9 fraudulent transactions made at an XXXX XXXX in XXXX, XXXX on XX/XX/2021. ( I live in XXXX, XXXX and have not been to XXXX, XXXX in several years! ) I have notified Wells Fargo and they are investigating. Could you please look into this matter as well. I am attaching the Wells Fargo statement showing these 9 fraudulent transactions made on XX/XX/2021. I am also attaching a report I made to XXXX Police on the same issue. Thank you and looking forward to hearing from you on this. 

Best, XXXX XXXX Phone : XXXX Email : 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 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My care credit account was closed on XX/XX/21 with a {$4000.00} credit limit and a {$0.00} balance. 

I called to reestablish my account and they refused because of 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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Ive had a credit card account with discover since XXXX. Since then I have attempted to increase the credit limit three times, two of the most recent time being this year. Each time, I am told my credit limit cant be increased but I can not understand why. When I first received the credit card, I was a XXXX XXXX with no job. Albeit now I am a working class member of society making solid income, have a solid credit shore, and I pay each statement on time, so I can not understand why I have not been granted the increase. It makes absolutely no sense. The small limit that I have can barely manage emergencies which is why I dont really use the card. But as soon as I stop using it, I receive an email telling me Im offered 0 % interest for the year. It makes no sense Discover!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I made a ( 2 ) transfer on XX/XX/21, a total of {$7500.00}, to another Member of the Navy Federal Credit Union. It was later realized this individual is a scam/fraud. This individual did not render service and has been avoiding me. I have called Navy Federal several times to submit a dispute, but they have denied me. They have stated that this is not considered an ACH or credit card transaction and that it is considered " Cash to Cash ''. Navy Federal stated that since it is Cash to Cash, they can not do anything for me. I have informed Navy Federal I have proof of the fraudulent activity and the Member 's failure to render the service, they still denied me. I have asked Navy Federal several times if they can provide in WRITING the disclosure that states I waive my rights to any recourse of fraud and scams when performing a Cash to a Cash transaction, they have yet to provide it. Every time I call, they state they are waiting for the " back office '' to reply with the information. They have yet to provide an explanation for why they can not investigate this transaction as they do any other transaction. They have yet to provide any disclosures or literature that informs consumers that transactions between Members are considered " Cash '' transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry XXXX XX/XX/2020, XXXX A XXXX D ate XX/XX/2020 )

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My identity was stolen on or about XXXX of this year. 
I took ALL steps in order to try and put a stop to whomever it was that hacked my computer copies all my cards/bank accounts/savings etc and yet when I am checking my report on on three credit bureau 's there are numerous, I repeat numerous errors not reflecting the corrections made after I spent months trying to fix my credit. I went from having a near perfect XXXX XXXX now down to fair/poor. 

I had to file multiple complaints with the FDIC regarding XXXX XXXX ( also not reflecting on my credit reports ( all three ) Many of my CC reduced my available credit b/c of the identity theft and yet it has not been reported. 

This has nearly ruined my life. I have always been extremely responsible making sure I have autopay set up so I never miss any payments and yet again, this is not reflected on my credit reports. I have asked each and every one of my credit cards and my bank to alert all the credit bureaus ' about the errors and was assured they would do so but after reviewing all 3 of my reports I see that is not the case.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank credit card dept sent email advising I qualify for a pre approved credit card I have had a bank account w Chase Bank for about twenty years and my account regularly monitors my credit history thru XXXX. 
When I completed their application I had a XXXX credit score but they chose to deny the application for unknown reason and the Hard credit check which they did not need to do knocked me down to XXXX or poor score. When I try to call the Chase Bank credit card dept I am on hold wait time if 1hour. 
All I am trying to do is have the hard inquiry removed because I am in the process of moving and the hard hit hurts me on the credit score when applying for apartments. 
I am fine with no credit card because I have no outstanding debt and will never apply for anything chase backed ever again I just want the inquiry removed because they already had my credit score history w/o the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned item. If you can not prove the account information to be 100 % precise.

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently paid off some of my credit card balances and decided to order my Transunion credit report and scores on XX/XX/2021. My credit report showed my recent paid in full on my XXXX XXXX. On XX/XX/2021 my credit score was XXXX. The very next day I had several alerts from different credit unions, I bank with stating my credit score dropped to XXXX. I contacted Transunion, of course they speak how they were trained, going over all the different procedures and nothing in my favor.. I apologize because I really couldn't figure out which section to select to rectify this problem. Of course I had to problem getting my credit score. Just had a big problem with it staying the same.

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 2021-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned item. If you can not prove the account information to be 100 % precise.

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 2021-12-23 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned item. If you can not prove the account information to be 100 % precise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. XXXX will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. XXXX will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
I went too get money from my bank account and seen that the amount I had wasnt there, I notified my bank they said a restraint was put in my account, they gave me the number I notified them, this is the second time they seized my account, I sent in proof that the monies in my account is from pension and unemployment, I sent them my award letter from both pension and unemployment but they still froze my account, spoke too them they claim I never sent any documents too them? I explained too them I have proof that I sent my award letters too them through fax and by mail, I dont owe these people anything! The entire building won the court case against the landlord, we were able too stay until or lease was expire, I never signed any new lease agreement saying I was gon na live there, I moved out before the new landlord took over the building! But yet shes filing judgement against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Earlier this year, I complained to your agency about bank of America, even though I didn't owe money they put my name in chex system for no reason except discrimination. Your agency contacted BoA and they were supposed to take my name off XXXX  after talking with me and you again. I recently tried to open an account and was denied, because BoA never followed through with removing my name. I am calling this pure discrimination. BoA knows I'm a XXXX XXXX, and that is what their discriminating against me for. They are playing with my life with their ignorance. I would like to press charges and file discrimination lawsuit. Please direct me in the proper direction for that and please what ever you can do to assist me would be very appreciative. Thank you

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 2021-12-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2021-12-23 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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