vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30 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: CO

Complaint narrative:
XXXX XXXX processed my info to someone who stole my identity and issued an account for XXXX XXXX in Ohio this is identity theft not me. Account opened XX/XX/2023 Amount owed {$690.00} I have called XXXX  XXXX  to file fraud activity.i have frozen my credit with all 3 bureaus XXXX XXXX XXXX XXXX XXXX  XXXX XXXX oh 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 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: PA

Complaint narrative:
I have emailed the department or education/XXXX  and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/XXXX  then all of a sudden report 90day late XX/XX/. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late

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 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I reached out to the debt collection agency and they agreed to a pay-to-delete solution. There were two accounts that were supposed to be deleted from my credit report but are still being reported on my report. After 30 days I reached out to the original creditor and provided them with proof of payments and they said they would update the information but never did. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting these items on each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Best Buy Credit Services card from the creditor Citibank. Best Buy arbitrarily closed my account without asking my consent, and without giving a chance to remedy, on the basis of my race and gender identity after initially requesting a credit increase. As soon as I reached out to Best Buy they cancelled everything having to do with my account and even blocked me from making purchases online while logged in ( requiring me to open a new account ). All purchases were instantly denied regardless of payment method used even though there had never been any issues prior. After the account closure I went to XXXX XXXX XXXX and enrolled my best buy account into XXXX XXXX managed payment services which negotiated a lower interest rate and makes all payments for me. They have never missed a payment and best buy has been paid consistently. In spite of this, they continue to report every month as more progressively late now showing 90 day late even though they have been paid promptly. Attempts to resolve this have been met with profanity.

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 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX WELLS FARGO XXXX XXXX : Was called by " sergeant XXXX '' XXXX from the XXXX XXXX sheriff department claiming I failed to appear in court and I am under penalty of 1968-1 due to not abiding to the Notice of Erroneous XXXX Exemptions. XXXX XXXX was the financial XXXX who would be collecting payment and he told me to send payments to XXXX, and XXXX XXXX payments in the amounts of {$1800.00} & {$600.00}. 

As soon as I transferred this money I called Wells Fargo immediately and asked them to reverse payment and they had said they could not do so bc it is through a non secured company, XXXX. I filed opened up a complaint through wells fargo and they dismissed it and said they do not have any phone numbers, addresses or contact information through XXXX. They were no help. However there is a protection clause that finacial institutions have and they disregarded this. I also asked for the routing, bank and reciepient information of who I sent the money to and they did not have that 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX Court : Federal XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX Court : Federal XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number XXXX XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : 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 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my Transunion, XXXX, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

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 2023-05-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, Equifax, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, XXXX, and Experian credit reports and discovered I have XXXX late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i lost XXXX dollars total bank America let someone change my account info on line and put XXXX XXXX and gift cards on my account..i was getting XXXX dog at that time I have XXXX XXXX a XXXX XXXX i got notice on email. i called and said no they apologized and didi it any way. my email was changed and i had no idea so i could not get online and see what was going on my phone got hacked could not get text messages still is that has been for going on 4 years fbi DA state representatives At the time mayor XXXX and and local and state police did and continue to do notiing i get death threats been through 2 XXXX XXXX 9 XXXX  have 2 XXXX that firmware was eaten and have a forensic computer company that still trying to help me. this started on XX/XX/2019 till today been through 101 emails addresses 10 credit cards. my tv is hacked and my car. they steal my mail. i actually XXXX XXXX had a XXXX had no phone for help was found two days later on the floor my XXXX XXXX XXXX  in hospital 2 months.

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 2023-05-30 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: NM

Complaint narrative:
On XX/XX/2023 I wrote check number XXXX payable to The XXXX XXXX XXXX. The check cleared my account on that day and was credited to my account at XXXX XXXX XXXX XXXX. Then again on XX/XX/XXXX, the same check was again debited from my Wells Fargo account. This one is a fraud. I wrote only XXXX check for {$2900.00} and it was debited twice. I need to get my {$2900.00} back from Wells Fargo. I have filed 3 complaints with Wells Fargo. They keep closing the case and I have to have it started over again. One of the claim numbers is XXXX. I think that is the most recent one but I may be wrong. Another claim number is XXXX. There is no progress on this issue and I still don't have the {$2900.00} back. I need this to be resolved. Wells Fargo was negligent in clearing the same check twice and the second time it was not cashed by the payee. I don't know who cashed it the second time as the endorsement is illegible.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureus one bureu show XXXX missed payments then at another bureu it is reporting XXXX I will like for issue to be resolved

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm a service member XXXX XXXX. 


On XX/XX/XXXX I opened a CD account with XXXX XXXX  and transferred {$30000.00} from my Wells Fargo checkings account to fund the CD account. My location was marked as " suspicious '' by XXXX XXXX, who locked my account and initiated a fraud inquiry. 


After about a week my access was restored and I found that my XXXX account reflected {$0.00}. I called XXXX XXXX, who stated that the transaction was cancelled immediately upon the fraud investigation, and the funds were " returned to sender '', presumably that same day. 


I opened a claim with Wells Fargo for my funds. Two weeks later they stated that my claim was denied because my account was correctly charged. I never suggested that it was incorrectly charged, only that I had never received the refund. 


They open a second claim to look further into matter. About another two weeks pass and they claim that my account was not charged at all. I call them again to follow up ( XX/XX/XXXX ) and they said that this second claim was denied because they believed the transaction occured on XX/XX/XXXX instead of XX/XX/XXXX, another error on their end. 


Wells Fargo then asks me when XXXX returned the funds, to which I conceded that I did not know for sure. I can only assume the same day if it was " immediately cancelled '' as XXXX XXXX  suggested. Wells Fargo responded that I needed to take this up with XXXX XXXX, because if they had returned the funds, it would've showed up in my account. I'm amazed with their faith in their processes given their seeming inability to even file claims correctly and waiting for weeks on end only for me to point out their own mistakes. 


I've called them several times ( ~8 ) concerning this while being in a XXXX environment - accommodating their claims ' department working hours from a different time zone with inconsistent phone service due to my location. Every claims response they've sent has been via letter ( not email ) to my home address - which of course takes time to deliver. My family must then take a picture of the letter and forward it to me via my VOIP number. So by the time I even see Wells Fargo 's response, at least a week has passed assuming I have internet access. Most recently, I asked to escalate my issue and was placed on hold for about 20 minutes before my call disconnected due to aforementioned phone service. 


I'm frustrated with Wells Fargo inability to conduct even a proper inquiry. Any assistance you can provide or point me towards is greatly appreciated. I will do my best to provide any follow up information if necessary.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: NE

Complaint narrative:
On XX/XX/2022, an amount of {$3600.00} was falsely reported to a credit agency. I have had numerous calls about this matter. I have sent emails, pictures, etc to get the issue resolved. I DO NOT owe the alleged {$3600.00}. I have copious amounts of documentation regarding this matter. I have had to get a lawyer involved, and nothing is done about it, STILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported, as their inclusion violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the immediate removal of these accounts and information from my consumer report to rectify the violation of these legal statutes. Please take immediate action to remove these accounts and information promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: IL

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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