vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CT

Complaint narrative:
this is a report against elan financial XXXX Texas I had there rewards credit card from Webster bank it is issued by them, I had lost my card and even reported them but my balance was all time high I told them it was fradulent and my mobile app was locked too they kept charging me with late fees and they didn't help me reopen online banking and said your account is in danger of fraud I told them I need help with online banking they didn't my face id was gone too and they kept hanging up on me and never helped XXXX and told me we are sending your account to collections and reported my high balance to all credit beuaeres including XXXX my credit score dropped from XXXX to XXXX and slowly to XXXX and they assigned a specilist to my cases and told me I will receive a phone call I have not received a single phone call in 2 months I always try to talk to them but they keep switching me and transferring my calls to different department they seriously have 1 star rating online please help me get my score back it would be Great if you guys report or tell this to other 2 beuares. and I hope they don't send my account to collections.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-03 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: PR

Complaint narrative:
I did not received the XXXX XXXX XXXX. When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.

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 2024-04-03 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: PR

Complaint narrative:
I did not received the XXXX XXXX XXXX When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Theres a amount that went up to {$10000.00} and I am not able to access my own funds. Theres over XXXX separate emails and up to XXXX emails that have been sent to crypto.com from last year XXXX up to the current date of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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 examined my credit report and observed inaccuracies in the listed accounts.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is the third attempt to ask US bank to correct this error by allowing fake checks with the same check number to be cashed multiple times. The check was issued by US Bank as an online payment to my mortgage bank, which is XXXX XXXX. The check was stolen and the payable to was altered and was deposited three times. US bank rejected the first deposit attempt, but cleared the second and third deposit. The amount of the check is {$1100.00}. The two successful deposits are total {$2200.00}. This is US bank 's responsibility who allowed fake checks with the same check number to be cashed twice, and ironically, the fake check was rejected the first time but allowed to be cashed twice afterward and the check was written by US bank itself. With the two years long back and forth, US Bank only refunded bank one check amount of {$1100.00} and refused to refund the second fake check deposit. The Bank representative called and accused me of making trouble and refused further discussion to resolve the issue. Additionally, seeking help from federal banking authorities could be another way for resolution. Attached with the highlighted statement that shown the three withdrawn transactions. I'm in hope that US Bank will take this seriously and refund the {$1100.00}.

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 monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received my credit report and found out that someone opened a credit account number XXXX with XXXX Bank online using my name, date of birth and social security number. 
I didn't open this account and don't have anything to do with it. I called XXXX Bank and filed a complain on XX/XX/2024 at XXXX pm. They closed the account but it has a balance of {$4200.00} This damaged my XXXX XXXX a lot and I also filed a complain with the XXXX credit companies. 
I received the result from Transunion as follows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. '' I placed a freeze initiated a fraud on my account. I also filed a police report with XXXX Police Department and filled a claim on 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i informed XXXX XXXX that they have no legal right to attempt to collect in new york state they are not licensed to conduct business in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
In late XX/XX/XXXX I received a letter and check ( {$5800.00} ) from Wells Fargo, for payments not being processed in a timely manner. They said it was compensation but I was under the impression it was reimbursement for over-charged interest. I thought it was part of the class action lawsuit for errors from XXXX XXXX. In XX/XX/XXXX I received a 1099-INT for the entire amount. 
I called Wells Fargo on XX/XX/XXXX for a detailed accounting of the payment because I was led to believe that the remittance was reimbursement for over-payments. I was told at that time by the Wells Fargo agent that it was for over-payment on the account from XXXX to the close of the account. I explained at this point if it was reimbursement for over-payment, that it is not earned interest to be reported on a 1099_INT, and I want a detailed accounting so that our accountant can file an appropriate tax return. A case number was provided ( # XXXX ). 
I again called Wells Fargo on XX/XX/XXXX because we had not received a response from the initial request. At that time, they informed me the request was never submitted and thus a new case had to be opened ( # XXXX, this was emailed to me the next day ). They escalated the case to the executive office. Wells Fargo agent stated they needed 10 days to complete their research. 
I received an email XX/XX/XXXX stating they could not finish the research request and they hoped to have it completed by XX/XX/XXXX. This is beyond our tax deadline, so now to avoid penalties and fines we must pay for an amended tax return and pay full taxes although we do not agree that the amount Wells Fargo provided to the IRS in the XXXX is correct. 
We have had problems with Wells Fargo and this account for years. This was a personal loan for a motor home and Well Fargo held the title for it. After paying off and closing the account, we never received a title or even a letter stating it was paid. They had the title in their possession and after requesting it and a letter stating it was paid off, we did not get it for months. They can not update our address in their system since the account is paid off, thus I received the 1099-INT in XXXX. They can not even send an email correctly, they sent initial emails to one email address, and the follow-up to a completely different one.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data International Inc reported to the credit bureaus that I owe {$4400.00} to XXXX XXXX XXXX  TX. They did not contact me at all, and decided to report this under collections. I'm a victim of an identity theft and have never lived at that apartment. My lawyer has sent them a letter in XX/XX/2024 including my police report and Federal Trade Commission report. As of today my lawyer did not hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: MD

Complaint narrative:
please see attached 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: UT

Complaint narrative:
I have attached some paperwork it is not everything as it was to much to attach. I was past due on my loan there were two payments not posted to the loan. I was going to pay everything that was past due and the two payments would be the balance I was locked out of the online portal. When you get locked out if you have signed up for electronic correspondence you wont receive any kind of correspondence. I told this to XXXX from SN Servicing. She constantly ignored my requests for information to be mailed to me. The amounts that she was saying were way off base. I had not received a statement since XX/XX/XXXX. This was XX/XX/XXXX. I also found out that they changed the terms of the loan, We purchased our home XX/XX/XXXX on a 30 year conventional sometime in XXXX or XXXX they changed it to a 40 year loan and we never refinanced. As soon as I started asking questions thats when she really didnt want to help and tried to rush it into foreclosure without sending me any information or anything that told me what they were charging me for. I am so sick I haven't slept in 5 days or eaten anything. I'm old maybe that is why they are doing this to us. I need help please someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Law firm sent me forms stating that the judgment was dismissed. VA loan officer said I am unable to buy a home with VA loan because lexis nexis shows XXXX on their database but my credit reports don't show a bankruptcy XXXX as it never was filed. I've contacted law firm and they stated they've done everything on their end. I ; 've tried contacting lexis nexus but have had no luck. The city it was filed in was XXXX XXXX in CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding the handling of a fraudulent withdrawal from my account. I recently discovered that {$98000.00} was fraudulently withdrawn from my account through wire transfers. While I appreciate the return of {$25000.00}, I find it unacceptable that only a fraction of the stolen amount was reimbursed. 

I want to emphasize that I took every possible precaution to protect my account. I did not open any suspicious emails, respond to any messages, or answer any phone calls that could have compromised my security. Despite my efforts, my account was still compromised. A Wells Fargo investigator did mention something about " sim phishing '' The fact that only {$25000.00} was returned to me implies that I am somehow at fault for this fraudulent activity, which is simply not the case. I urge you to reconsider your decision and provide a reimbursement for the full amount stolen. 

I expect a prompt and satisfactory resolution to this matter. Failure to do so will leave me no choice but to escalate this complaint further. 

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to report an unauthorized digital checking account opened in my name by Experian, a situation that not only compromises my financial security but also suggests a broader issue with Experian 's account management practices. 

Despite multiple attempts to resolve this with Experian, including through their customer service, the response has been inadequate. Notably, a representative admitted awareness of this issue since last XXXX but failed to provide detailed information or a resolution. This conversation, coupled with similar experiences shared by others online XXXX XXXX XXXX XXXX XXXX ), indicates a systemic problem. 

I urgently request the CFPB 's intervention to : XXXX. Investigate the unauthorized opening of digital checking accounts by Experian. 
XXXX. Ensure the immediate closure of my unauthorized account, with confirmation to me. 
XXXX Review and address the broader issue to prevent such incidents, protecting consumers ' rights and financial integrity. 

Your swift action in this matter is crucial for consumer protection and trust in financial practices.

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