vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: IL

Complaint narrative:
Im XXXX my purse was stolen with me and my childrens important information inside. I immediately made a police report. Later on I get a notification from my the bank ( XXXX XXXX XXXX ) that my account had been over drafted I immediately informed the bank of my situation. To my knowledge they corrected it. Later down the line this same account appears on my credit profile. I contacted the bank again in XXXX they asked me for a police report I sent it to them and also all 3 credit bureaus. XXXX and XXXX removed the accounts immediately following my dispute including documentation. Equifax is constantly saying that the account is verified when this same account had been removed from two other credit bureaus following my last dispute. This is really hurting my credit profile. I have constantly called and constantly disputed these two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Attached is the company 's attempt to avoid complying with my ( Certified Letter ), asking for verification in writing. They avoided my instructions by denying that any copies exist because, " an application was completed '' ( possibly because they don't know via ), " phone or internet '' as per their response ( s ) to me in the attached LETTERS below. In another response to me they are saying if I need anything else refer back to the credit agencies for more information. Totally disregarding their responsibility to me the consumer and violating consumer laws of fair treatment to consumers exposing the culture of the companies predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NC

Complaint narrative:
I had over {$5000.00} fraudulently charged to my business debit card. These all happened back to back on XX/XX/XXXX. Got an alert from Wells Fargo and immediately cancelled card and opened a fraud claim. 
This claim was denied and closed. They said they will not reconsider. Absolutely unacceptable as I did not make these payments or authorize anyone to do so. I am a small business, I run everything myself and over {$5000.00} is serious. 
Some of the big charges are to XXXX, a personal loan/credit card company. I do not know this company and have any accounts with them. That can be proven. 
However, whoever stole my debit card info paid XXXX {$3500.00} + {$1000.00} on XX/XX/XXXX. There were also charges from XXXX in XXXX. XXXX XXXX in FL. All in the same day. We live in NC. 

I need to do everything possible to get my rightfully earned money back so I can change my bank.

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 2023-10-03 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: AK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: AK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-03 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: AK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-03 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Card refuses to call back or respond. I have complained here about at least XXXX separate, different issues and they automatically close all my complaints saying they are duplicates even when they aren't. I call and they claim they can't help me because it's the wrong department and they have to transfer me, but either they disconnect me, they transfer me to a line that is closed and automatically hangs up, or they claim their computer system is down and someone will call me back. This has been going on for XXXX years now and not a single person has called me back or responded to an email not once. Discover is stealing money from people by adding charges to their accounts and they refuse to give consumers a chance to get it fixed by blocking all lines of communication. This is absurd and needs to be stopped right away. It should also be noted that I have had XXXX fake charges on my account in XXXX year 's time and they refuse to respond, claiming ANY dispute is the same as a previous one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Attached is the company 's attempt to avoid complying with my ( Certified Letter ), asking for verification in writing. They avoided my instructions by denying that any copies exist because, " an application was completed '' ( possibly because they don't know via ), " phone or internet '' as per their response ( s ) to me in the attached LETTERS below. In another response to me they are saying if I need anything else refer back to the credit agencies for more information. Totally disregarding their responsibility to me the consumer and violating consumer laws of fair treatment to consumers exposing the culture of the companies predatory 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 non-monetary relief
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Attached is the company 's attempt to avoid complying with my ( Certified Letter ), asking for verification in writing. They avoided my instructions by denying that any copies exist because, " an application was completed '' ( possibly because they don't know via ), " phone or internet '' as per their response ( s ) to me in the attached LETTERS below. In another response to me they are saying if I need anything else refer back to the credit agencies for more information. Totally disregarding their responsibility to me the consumer and violating consumer laws of fair treatment to consumers exposing the culture of the companies predatory 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
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was called from XXXX a man from XXXX telling me that some one was trying to open a carge card in texes useing my name.went on talking sead he was from XXXX XXXX dept and needed to clear that up after talking he told me I could check on that his name was XXXX XXXX XXXX security badge XXXX he than turned me over to a specalist XXXX XXXX XXXX at XXXX. He metiond the XXXX credit cards I had and the a amounts on them he had the last XXXX of my social. and this is how he was going to help old people like me it was my lucky day because of the Fed debit redution act of 2022 I only needed to pay XXXX % of the balances on those cards. talked a little more told him if its to good to be trough it is and hung up

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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Weltman, Weinberg & Reis Co., LPA sent me a letter dated XX/XX/XXXX implying I owed them monies from a credit card my father had when he died. He died in XXXX of XXXX and I was in no way affiliated with said card or any of his financial matters. I am reaching out to you directly as I am disturbed by this letter and don't feel I should even have to waste a stamp on a response to them. This is a clear shakedown attempt and I find it unfair I'm required to even have to spend this time writing you. I am writing you however so something is documented that I least responded once as something tells me had I responded to them via letter I would only have started an ongoing situation thus wasting even more of my time. 
Thank you in advance for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I reached out to let the company know that the information being reported was inaccurate and was told that it would 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
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NC

Complaint narrative:
The company I'm disputing is Mohela. They reported my student dept into two seperate accounts instead of just one and reported my payments incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I lost my t-mobile phone and money and my account was accessed through it. My money was taken from my savings account and sent to my checking account, then sent to my cashapp, then sent to a XXXX banks while locking me out of my cashapp account. I called as the transactions were still pending and told to call back once they went through. I did so then was blamed for the money taken from my account. Chime has not gotten the amount of money I need refunded correct since I placed the claim, it is only supposed to be for XXXX total. XXXX I had to set up another account in order to dispute the charges and they too blamed me. They are both stealing people 's money and not protecting them when supposed to. Please assist this has been going on in Disputes for over a year and u also have a police report that was filed and given to them as evidence. Along with multiple screenshots showing my whereabouts and the transactions that were taking place and the struggle I encountered trying to not get my account hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
About 95-100 days I put a complaint in with PNC Banking XXXX Due to money missing from my account. As long as the investigation was going my account was fine. The day of the investigation ending {$50.00} or more dollars disappeared. This has been an ongoing thing for awhile a now. Although its small amounts of cash and at my pay rate all my cash is accounted for being its low income. Yesterday I had a total of {$180.00} in my account. I believe it was {$3.00} which was scheduled to come out my account with my card lock on, for my XXXX. I thought it was XXXX stealing from me, now Im sure its an inside job. Preferably someone that knows me. With the pictures you can see I added {$200.00} from savings to my checking which made my balance {$230.00}. I added {$50.00} of that to XXXX. In the process of doing that {$3.00} transaction fee was added to my account because I went over my limits bringing my total down to {$180.00}. Definitely not understanding how my account is at {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
It first started around XX/XX/XXXX I got a debit card in the mail for a XXXX Bank account. I called and reported it fraud. I also revived a letter from XXXX bank stating they didnt accept my application. I never applied to either of these banks. 
Fast forward a few weeks I received a Email about setting up my Ally bank account on XX/XX/XXXX I called and the operator advised me just to ignore the email. I explained to her how I didnt feel comfortable ignoring it and how my information is in their system without my knowledge. She still advised me to just ignore the emails. I started to received emails about adding XXXX account? 
So I called again XX/XX/XXXX to report the fruad and this time the operator reported it and shut down the account. 
I woke up this morning XX/XX/XXXX to yet another email about an account trying to be open Without my knowledge or consent. This time it was from XXXX bank. 
Ive never applied for any of these account and I have no idea how they have my email and information.

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 2023-10-03 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation