vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. 15 USC 1681 section 602 A, states I have the right to privacy, 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MS

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX 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 2022-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received notice that my account was closed and sent to unclaimed property at the end of XX/XX/2022. I immediately called, the same day, to find out how to retrieve my funds. I sent an email to XXXX as instructed. After six weeks with no response, I called back and filed a complaint and was told someone would get back to me in two weeks. And I sent another email to unclaimedproperty. After another four weeks and no contact, I called again and attempted to escalate to another level. These new people were no help whatsoever and were at a loss where to send me next. I called the unclaimed property number and was told to go a branch and they would have the information on claiming property. The branch has absolutely no way of knowing what to do and cancelled my appointment after eight days, because eight days was their first available appointment. I called the unclaimed property back tonight, XXXX XX/XX/2022 immediately after my appointment was cancelled, and was told they should never have sent me to a branch. All I could do was file another complaint, my fourth. 
So how do I claim unclaimed property : 1. There is no information on claiming unclaimed property anywhere on the Wells Fargo website.

2. There is no information on claiming unclaimed property from any of the Wells Fargo customer service phone numbers.

3. There is no information on claiming unclaimed property from unclaimed property phone line.

4. No one at the Wells Fargo branch has any idea how to claim unclaimed property.

After 12 weeks of trying, and filing four complaints that were supposed to result in being contacted, I still have not a single idea of how to submit a claim. I don't know what documents they might want, or forms to fill out.

I have been told repeatedly by Wells Fargo that the case numbers I refer to have no meaning or use whatsoever. So every phone call results in a new file being opened, with all the same information regurgitated by me, followed by the promise of being contacted in two weeks. I have spent 17 hours on the phone with Wells Fargo and have not ever received a single piece of information in regard to claiming unclaimed property. I have made zero forward progress and have no hope of any, as I have now called every recommended number, and keep getting referred back to the same numbers that have already resulted in nothing.

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 2022-10-13 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-13 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:
I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXXXXXX 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 2022-10-13 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:
I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-13 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: TX

Complaint narrative:
They were trying to take money out of our account. Bank closed us due to the fraud. Now my husband and I get non stop calls and non stop emails Texts. He wired {$500.00} to have us give back, after that he had a picture of the bar codes on receipts and started trying to empty our accounts.

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 2022-10-13 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? Additionally, I contacted the bank and they agreed to remove the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already disputed this account several times and stated that I am an identity theft victim. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this accounr from my file like the other bureaus have done. 

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 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Have you heard about the more recent phishing scams using PayPal invoices? I think there is some liability on PayPal 's part. When my elderly relative received an invoice sent via XXXX he hovered over the return address to verify the sender. It really was sent from XXXX, and further it appeared to have been sent by " Billing Department of PayPal '' because the scammers had set their PayPal account company name to be " Billing Department of PayPal. '' *It seems outrageous that PayPal lets scammers use company names like that, which are so obviously designed to defraud people. * It made the phishing message seem even more legitimate. The message claimed to be alerting my relative to a possibly fraudulent pending charge. The charge would be posted in 24 hours. Since the message really came from XXXX and was sent by " Billing Department of PayPal, '' my relative believed it and called the toll free number provided in the email, and was scammed for almost {$70000.00} by two people over the course of two days. There was an initial scam and then a " fraud investigator '' contacted him to further scam him. It's sickening.

The scammers sent wires out of my elderly relative 's bank account, but since his PayPal account was unharmed PayPal hasn't been very helpful. They won't even let him file a complaint.

PayPal should not let scammers set up company names like " Billing Department of PayPal. '' That's entirely within PayPal 's control. They are letting scammers use their platform to defraud people and they don't seem to be doing much about it except tell people to report suspicious messages. That's not enough to protect the less scam-savvy members of society. 

Thank you in advance for any pressure you can put on PayPal to change this outrageous policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a Natural person and a consumer. Please do not close this complaint stating it is not me filing it. On XX/XX/2022 I mailed Equifax an FTC Identity Theft Report. Because I am a victim of Aggrevated Identity Theft. I pulled my credit report on XXXX XXXX and it was not reporting. I pulled my consumer credit report on XXXX XXXX Equifax is reporting the XXXX account. This account is listed in the Identity Theft Report I sent to Equifax on XXXX XXXX. First off Equifax is in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account to my consumer reports that has not been validated. Please see the attached FTC Identity Theft Report and credit reports from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I contacted Chase Bank on XX/XX/XXXX to submit dispute on one of my transactions. 
I disputed transaction in the amount of {$14.00} because I returned my merchandise to the merchant personally and the merchant supposed to process a credit for the same amount. However, the credit has not been processed by merchant or by Chase bank and no credit was posted to my checking account ending in XXXX. Therefore, I expected that Chase bank will conduct thorough investigation of the disputed transaction and will be able to resolve this dispute to my satisfaction. They accepted my claim on XX/XX/XXXX and issued me a temporary credit in the amount of {$14.00} and advised me that if they found that the transaction was processed according to the information I provided or authorized, they will reverse temporary credit. 
On XX/XX/XXXX, Chase provided me update on the status of my claim and informed me that they found transaction was processed accordingly or was authorized. Therefore, they will be reversing a temporary credit. I called Chase Dispute Department to request the information they used to conduct their research and explanation. They advised me that they contacted the merchant, and they received response from the merchant that transaction is valid. Chase requested from me a receipt showing the proof that merchandise was returned, and they will be presenting to the merchant to act on my behalf. I advised the representative that I do not have a receipt anymore since it has been over 2 months since transaction date. Then, they said I must contact merchant directly to resolve dispute. I advised them that they should represent me as a customer and help me to resolve this dispute. They did not even offer me to provide any proof they received from the merchant that allowed them to make decision to deny my claim. 
This company made deceptive decision against the claim, and I feel that I should not be treated this way. I have neither merchandise nor money because of their fair decision ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
XXXX XXXX Bankruptcy Reference Number # XXXX In XXXX of XXXX, I filed for bankruptcy. Since then the bankruptcy has been XXXX and is reporting on my credit reports. 

I sent a letter to the USBK Court XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, XXXX, Transunion and XXXX and the Clerk of the Court responded saying that they do not work with any credit bureaus.

I have previously disputed with Each bureau Transunion, XXXX, and Transunion an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.

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 2022-10-13 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: MS

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXXXXXX 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 Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 2022-10-13 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: MS

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: GA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$260.00}.

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