vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: LA

Complaint narrative:
On XX/XX/XXXX XXXX I Went to purchase a Motorcycle. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.

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 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp {$4400.00} was stolen out of my account. I have filed dispute after dispute with cashapp which they are the worst customer service I have ever had to deal with I have been hung up on disregarded and they down right refused to help. I was denied then received a email stating that they agree that my account has been compromised and that they have now secured it. With that being said I thought finally I will have my money returned too me not 24hr after receiving that email I received another email saying that my dispute has once again been denied that the transaction in question was completed successfully but I dont understand how if I have been hacked and they stated that they recognize just that. I never gave anyone permission to add or remove my bank information and I definitely never gave anyone to cash out every penny I have to my name. I have been treated like XXXX and I have still done all I know proving that I was hack the money was wrongfully removed from my account to a unknown debit card that I have even contacted the head of XXXX department that cashapp said the money successfully received and they first of all gave me XXXX different trace numbers for this one transaction and top that off the bank informed me that the transaction doesnt exist and the ach numbers are not real ach numbers! I have my own opinion of the hacking is a inside job but I also had lost/stolen my phone and wallet around this time but I cant see how some random person would have this knowledge ability or access to have done this so quickly unless they already know and have access to the financial platform and when I asked a customer service representative about a prior rep that I spoke to he choked up and put me on hold for a long time and then finally came back to tell me that he isnt allowed to tell me the name of the individual that I had already spoke to and he couldnt tell me why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for Transunion from Credit report. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for XXXX from Credit report. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? XXXX equifax and XXXX continue to respond with verified I have already submitted the letter from XXXX nexus where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters XXXX, equifax and XXXX have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? XXXX XXXX and Experian continue to respond with verified I have already submitted the letter from XXXX XXXX  where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters XXXX, XXXX and Experian have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!

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 2023-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I used my card to purchase something online ( XXXX, ORDER # XXXX & XXXX ) on XXXX of XXXX. I did never received my orders till this day, XXXX, XXXX. However, I did attempted severally to contact the company requesting for my orders, through email message, and they keep telling me I will be getting it, and yet, it was all fase. 
But, as the month of XXXX and XXXX goes by, to close to ending. I contacted the company again, and yet nothing was done. I contacted the XXXX  ( MONEY NETWORK ) to report the issue. The complaint description, and companies informations given to the Bank. I have called the Bank several times to get an update, also refund me the amount of {$140.00}. Since, I did not receive any of my orders till day. It's been about 3 months. I am really desperate for my money being refunded, credited back to my account. Since, I am going through great financial difficulties. I need my money refunded back to me. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
See document attached

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Im in a XXXX XXXX bankruptcy due to a couple missed payments on mortgage. I went to a company out of California and they screwed me out of {$5000.00}. And that put me further behind and Im in bankruptcy owning XXXX for 7 years. It was a court order to refinance in order to keep my home Ive been current since then.Wells Fargo denied approval for refinance for a loan modification I went to 7 other banks and Wells Fargo would not provide the pay history and Im still in the bankruptcy payment my First mortgage and Second Mortgage and the Trustees. My Mortgage is XXXX and my Second Mortgage is {$200.00} and the Bankruptcy Trustees is {$900.00} Please help

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 2023-05-16 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: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX Account Number : XXXX WAKEFIELD Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANA Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) : states I have to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The promotion rate of my Bank of America Visa expires this month. I told the bank that I wanted to transfer the balance to a new card. I was told when I opened the new account that I should call to do the balance transfer when I get the new card. I received the new card today and called the bank to do the balance transfer as I was told to do, however when I called I was told that Bank of America can not pay off another BOA credit card. I was totally mislead. If they can not transfer the balance I want the account removed from my credit report and also remove the inquiry. BOA case # 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 2023-05-16 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2023 I requested Discovery to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Discovery send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX Account number XXXX Closed Date opened XX/XX/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 2023-05-16 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:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX, XXXX Account number XXXX Closed Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An employee stole a credit card from us and used it for several months, making hundreds of purchases for thousands of dollars... The card was not issued in her name and the personal charges were not authorized. During this timespan, it was discovered that our business card was also fraudulently used for about XXXX charges in XXXX XXXX. These fraud charges were made by making XXXX separate charges, all XXXX fraud charges were made in one day, roughly {$6000.00}. Wells Fargo fraud department did not catch this obvious fraud for the charges made in XXXX, and they also have refused to refund the money, actually they described the charges as authorized... 
After making this discovery of the fraud in XXXX. The employee who was fraudulently misusing the card to make personal charges called Wells Fargo impersonating the card holder of the card she was misusing, and fraudulently persuaded Wells Fargo to send her another card. Wells Fargo issued her a card, that was not in her name, but also they did not even verify if the card they were issuing was for a person employed by my business, which it was not. 
Criminal charges have been filed and the District attorney plans on perusing my case. But Wells fargo has refused to return the fraudulently stolen funds. 

There was another card that was fraudulently used by this person. XXXX has found that the charges are fraudulent and they have returned the stolen money to my business. However, Wells Fargo has refused to return the stolen funds.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit card is not minesXXXX XXXX XXXXXXXX XXXX. Fraud

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 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Earnest Inc.
State: CA

Complaint narrative:
Back in XX/XX/2018 Earnest approved me for a {$50000.00} loan which was deposited as agreed upon and paid back in full within 2 months. During this approval and payback not once did earnest send this information to all credit agencies to report this account and perfect payment history. 

They have still refused to report this good standing paid back loan to my history as I am entitled to as a consumer and protected via FCRA and US code subchapters. 
They took my money with interest back and decided to damage my credit history by this action for any future personal loans. When asked via multiple attempts to fix this issue they refused. 

I have attached all proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Description of events : I came to agreement with XXXX XXXX about selling my computer to him for {$880.00}. He went ahead and told me to request money through PayPal. Which I did. Not after i get a email from PayPal saying funds will be on hold until I send a verification of shipment. Which I went ahead and shipped out computer and placed insurance on shipment for {$1200.00}. Then received an email saying funds will be placed into my account on Friday  XX/XX/XXXX same day of computer delivery. Friday  comes around and I get another email saying that I needed to send {$400.00} to the buyer since he sent an extra {$400.00} in order to get a increase in limit so I was to send those {$400.00} to refund back what he sent on top of the {$880.00}. The {$400.00} I sent were to XXXX XXXX which the main buyer XXXX claims it was his step son. 

In total I lost {$1200.00} in value goods.

Company response to consumer: Closed with explanation