vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: WA

Complaint narrative:
XXXX a magazine subscription company called me and let me know I had one a trip. All I had to do was sign up for a subscription to get said trip. I signed up and realized that this was not the case and cancelled it 4 months in after realizing this was a scam and I was never going to get said trip. I called and cancelled and also gave the company a complete rundown of how terrible this practice was. Being XXXX I fell for it. 

I received a collection for {$870.00} on my credit in XX/XX/XXXX. I called the company because I had no knowledge of the debt. The creditor gave me the original creditor information and I realized just as many others they had not cancelled my subscription and are now trying to come after me for said payment. I have no received any of these said magazines, bills anything since XXXX. 

I have reported this company to the FTC for fraudulent business practices. I have seen many open online about this same company scamming others as well. 

I want this account removed as it is very obviously fraudulent.

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 2024-07-12 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: EQUIFAX, INC.
State: ND

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
Global credit union notified me of possible fraudulent activity on my account on XX/XX/24 via email and phone call. I answered the phone call and told them I did not make the transactions in question and it sent me to a representative. When speaking with the representative it was after hours but we went through multiple pending transactions that all took place in XXXX XXXX, CA on XX/XX/24. All of which were fraudulent, he said he was going to flag them as fraud and hopefully since they were still pending they would not go through He then stated I should call back in the morning to make sure the fraud department opens a case. I called back the fraud department the next day while running errands and they opened a case regarding roughly 15 transactions. One of the questions the person asked me was if I had my card still on me, I told her yes it was as home ( I don't carry my card on me since this isn't my main account ), during the call I returned home and went to grab the card and realized the card was not where I thought it was and that the card was in fact either lost or stolen. The lady stated they would investigate the transactions and it would take 7-10 days. I got a letter in the mail stating the fraud claim was denied and I could get a copy of the investigation. I called Global to request a copy of the investigation and they stated they did not investigate the transactions because I stated in the call i authorized the transactions. after clarifying with the lady on the phone Global decided not to investigate and to deny the fraud case because I didn't realize my card was missing. Some transactions are no longer on my account but the following fraud transactions are still on my account : XX/XX/XXXX XXXX {$100.00} XX/XX/24 XXXX XXXX XXXX XXXX {$100.00} XX/XX/24 XXXX, XXXX XXXX {$2.00} XX/XX/2XX/XX/XXXX XXXX {$3.00} XX/XX/24 XX/XX/XXXXXXXX XXXX {$210.00} XX/XX/24 XXXX, XXXX XXXX {$32.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$32.00} XX/XX/XX/XX/XXXX XXXX {$210.00} XX/XX/24 XXXXXX/XX/XXXXXXXX, XXXX XXXX {$10.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$13.00} XX/XX/XX/XX/XXXXXXXX XXXX XXXX XXXX {$8.00} XX/XX/24 XXXX in XXXX XXXX, XXXX XXXX {$5.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$5.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
There was a payment made in the amount of {$200.00} due on the XXXX of XXXX paid on the XXXX of XXXX. Because the payment was returned, due to paying it from a wrong checking account on my end, they marked me as 30 days past due as of today. I checked the check information on the terms and conditions and I did not see that this would happen.

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 2024-07-12 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXX  - Inquiry Date : XXXX XXXX  - Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX - Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX - Inquiry Date : XX/XX/year> These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable. 

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I made a deposit through the mobile banking app with two checks one for {$330.00} and one for {$150.00}. The money was immediately credited to my account, and I use some of it as it was for a business trip I was taking that weekend. In addition to those two checks, I deposited other cash into my account through XXXX  to use for my trip. The next day Wells Fargo went in my account and took back the credits for those two checks and put them on hold for over 10 days but did not tell me why, and this overdrew my account in addition to putting a hold on the money that I had deposited in there in addition to the checks. The day they put a hold on my checks those two checks already cleared the check writers account. I have never had a return check and I have never had a problem with fraud. They would not tell me why at first that they put a hold on it but then they came back and said for fraudulent activity but could not explain why. And when I explained to them there was nothing in my account that would even suggest remotely fraud they could not give me a straight answer and would not credit the money to my account even though those checks had already cleared. Instead they keep telling me I have to wait until the XXXX for my money to credit and this deposit was done on the XXXX of 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 2024-07-12 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: SC

Complaint narrative:
MY PERSONAL INFORMATION WAS BREACHED/STOLEN 2020 AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-07-12 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX & XXXX XX/XX/XXXXDate of Inquiry XX/XX/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 2024-07-12 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
I AM STILL SEEING SOME INACCURATE ACCOUNTS ON MY CREDIT REPORT. Please check the documents because I've included everything there regarding this important matter.

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: AZ

Complaint narrative:
My account with ACHIEVE PERSONAL LOANS was never late! I have had exceptional payment history with ACHIEVE PERSONAL LOANS and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ACHIEVE PERSONAL LOANS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a new account with Citi bank. I was informed that I needed to fund the account within 90 days. To do so, I initiated XXXX XXXX transfers from my XXXX XXXX  account, totaling {$480.00}. These funds appeared in my available balance at Citi. 

Additionally, I set up XXXX XXXX transfers from my XXXX XXXX account, each for {$700.00}, to further fund the Citi account. These XXXX transfers were placed on hold and scheduled for release on XX/XX/XXXX and XX/XX/XXXX, respectively. The held funds were not added to my available balance. 

On the morning of Wednesday, XX/XX/XXXX, I discovered that my available balance of {$480.00} had been completely removed, causing my account to overdraft. This happened again on Thursday, XX/XX/XXXX, as more money was taken from my account. 

Citi representatives informed me that the {$700.00} XXXX transfers were reversed, but this should not have affected my available balance, as those funds were on hold and pending. The reversal of the XXXX transfers should not have impacted the {$480.00} that was already available in my account. 

Despite multiple attempts to seek clarification and resolution from Citi, I have not received a satisfactory explanation for why my available balance was affected by the pending ACH transfers. This situation has left me without access to my funds and has caused significant stress and frustration.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax continues to play games with access to their website for me. I am unable to login or access my crucial financial information they keep from me. When asked directly or through a previous CFPB complaint they say it's accessible, and give steps to resolve. These steps do not resolve, so anything Equifax shares is a lie. I've wasted too much time on this issue and Equifax admits it's a problem, but doesn't resolve. 

Last complaint, they didn't even address this ongoing issue of NO ACCESS/ SUCCESSFUL LOGIN to Equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for an online casino that I had no idea was an illegal unlicensed operation. They overcharge my card and never delivered anything they promised they had no business operating in the state of California and taking credit card payments as a form of payment as it being an illegal company, I feel robbed of over {$24000.00} and theres no way I can pay for this.

Company response to consumer: Closed with explanation