vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I signed up for tanning at XXXX XXXX XXXX XXXX on XX/XX/XXXX with plans to pay for a month to month membership. On that date I paid {$53.00} for one month of tanning. I used one month of services and never went back. On XX/XX/XXXX I was charged {$100.00} which I did not authorized. Upon calling the business they told me that I agreed to a 90 day commitment which involves three months of billing. I never agreed to this and never signed anything. They told me they would not do a refund because they have a no refund policy. 

I clearly remember on the day that I signed up that there point of sale system/tablet was not working so they were unable to have me sign anything. The employee also never mentioned I would be entering a 90 day commitment. I asked to see this agreement they were talking about and they sent me a membership agreement that I never saw and doesn't contain my signature. It explicitly says on the bottom of the agreement that you acknowledge and agree to it with a signature but there is no signature. They are charging me and holding me accountable for a contract I never signed. 

I tried to dispute the {$100.00} with Capital One but they are telling me I am responsible because I have no documentation. XXXX XXXX XXXX provided an agreement that has no signature, so Capital One feels I am responsible. I don't understand how an unsigned contract should hold me liable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Date open : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-12-05 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: TN

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-12-05 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX improper handling of my credit report, which has negatively impacted my credit score despite my diligent financial practices. This occurred multiple times between, XX/XX/XXXX to XX/XX/year>. Specifically, Equifax has been reporting my XXXX XXXX balance multiple times per month without justification, causing fluctuations in my credit score. This behavior contradicts the reporting standards that financial institutions and credit reporting agencies are expected to uphold. 
Here are the key details of the issue : 1. Inaccurate Reporting Frequency : * My XXXX XXXX account posts my statement balance once a month, as per their standard reporting practice. 
* I ensure that my balance is paid in full prior to the statement date to prevent any adverse effect on my credit score. 
* Despite this, Equifax has been reporting my balance multiple times within a single month, which creates the false impression of increased credit utilization. 
2. Impact on My Credit Score : * The repeated reporting of my balance has led to unwarranted decreases in my credit score. 
* These inaccuracies directly contradict the financial behaviors I have carefully maintained to protect and improve my credit profile. 
3. Efforts to Resolve the Issue : * I have verified with XXXX XXXX that they only report my statement balance once per month, in compliance with industry standards. 
* The issue clearly originates from XXXX reporting practices, not from XXXX XXXX  reporting process. 
This situation is unacceptable as it undermines the reliability of credit scores and misrepresents my financial responsibility. It has also caused undue stress and potential harm to my financial opportunities, including credit applications and interest rates. 
I request the following corrective actions : 1. Immediate Investigation and Correction : * Investigate the cause of the repeated reporting of my XXXX XXXX balance. 
* Correct my credit report to reflect accurate reporting practices. 
2. Preventative Measures : * Implement measures to ensure that such errors do not occur in the future.

* Provide confirmation that my credit report will be updated correctly moving forward.

3. Written Response : * Supply a written response detailing the findings of your investigation and the steps taken to rectify the issue. 
I trust that the XXXX XXXX XXXX will address this matter promptly to ensure that credit reporting agencies adhere to the highest standards of accuracy and integrity. Please do not hesitate to contact me if additional information is required. 
Thank you for your attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
I am writing to formally request the removal of the following unauthorized accounts and inquiries from my credit report. I have been a victim of a data breach, which resulted in fraudulent activities linked to my personal information. Under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that you block and delete the accounts and inquiries detailed below. 
Fraudulent Accounts to Block and Delete : XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Amount : {$14000.00} XXXX. XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Amount : {$500.00} Fraudulent Inquiries to Block and Delete : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX A XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  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 2024-12-05 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: AL

Complaint narrative:
I am writing to formally request the removal of the following unauthorized accounts and inquiries from my credit report. I have been a victim of a data breach, which resulted in fraudulent activities linked to my personal information. Under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that you block and delete the accounts and inquiries detailed below. 
Fraudulent Accounts to Block and Delete : XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XXXX XXXX XXXX  Amount : {$14000.00} XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XXXX XXXX XXXX Amount : {$11000.00} XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XXXX XXXX XXXX Amount : {$500.00} Fraudulent Inquiries to Block and Delete : 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 non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have credit fraud on all banks. I also have credit fraud from credit cards to stolen credit which equals cash to destroying 30 years of excellent credit from XXXX accident to having company that had nurses aides stealing money to stealing automobile. 


Companies, banks and credit. 

XXXX. XXXX XXXX has fraud for years. I kept telling them it is fraud and instead of helping me they closed accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX to stolen cash. 

XXXX. XXXX XXXX XXXX has closed cards and I told them this was fraud. It was 99 % nurses aides because now XXXX and even had internal fraud which they ( bank ) switch money arounnd ). 

XXXX. XXXXXXXX XXXX XXXX XXXX has charged me so much in fees that it is enough to pay a house yearly and I told them it was fraud. 

XXXX. XXXX XXXX has let charges in that were fraud. 

I told all of these plus allot more that I need report wiped and started over. I have been taken advantage of by a company that sent aides that all were criminals, uneducated and straight thieves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased my car in XX/XX/year> with a loan term of 72 months. When XXXX hit I had asked for XXXX deferred payments bring those XXXX payments to the end of the contract. Now that I have asked to pay off the remaining XXXX payments of my contract XXXX is saying I have a balance of {$4600.00}. This doesnt add up with my XXXX last remaining payments its more like {$1100.00} to complete my 72 months when I called to speak to some at XXXX XXXX stated that I still have XXXX more payments remaining that will make XXXX payments in total NOT XXXX payments. All I want is to payoff my loan and be done with XXXX. I have seen that this is a habit XXXX has and have gotten to the point of being sued over illegal repossession and over charging customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to file a complaint against Wells Fargo Bank regarding their mishandling of a wire transfer issue on my savings account and the unsatisfactory resolution process. Below are the details of the events : - Wire Transfer Initiation : On XX/XX/year>, I initiated a wire transfer from my savings account. Later that same day, I received a message from Wells Fargo stating that the transfer was under investigation. 

- Cancellation Notice : On XX/XX/year>, I received an email and a text message from Wells Fargo stating that the wire transfer was cancelled. 

- Customer Service Interaction : On XX/XX/year>, I called Wells Fargo to follow up on the situation. During this call, I was transferred multiple times between different departments, including online banking, wire transfer, and fraud departments. Despite spending significant time on the call, no resolution was provided. 

Moreover, I was given conflicting and incorrect information. A Wells Fargo representative incorrectly claimed that my wire transfer was cancelled on the same day it was initiated ( XX/XX/year> ). However, I have documented proof from Wells Fargo showing that the wire transfer was still under review on that date. 

The repeated transfers between departments, the lack of resolution, and the provision of conflicting information have caused me significant frustration and concern regarding the handling of my account and 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 2024-12-05 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-05 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 writing to formally request the blocking and deletion of certain unauthorized inquiries listed on my credit report. I am a victim of a data breach, and the inquiries detailed below were made without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiries from my credit file : Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
After my first deposit from my job this company froze my account and will not let me access my funds! I haven't been to work in 3 days because I have no transportation and I may lose my job!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-12-05 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Date open : XX/XX/year>

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 2024-12-05 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Date open : XX/XX/year>

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