vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
This is my second complain about this. 

On XX/XX/XXXX at XXXX my Wells Fargo account was hacked by unauthorized scammers who sent {$990.00} to XXXX XXXX using this email XXXX They enrolled me into XXXX through my Wells Fargo account and stole the money from my wife 's saving account. I called Wells Fargo immediately and reported the unauthorized transaction. They set up claim # XXXX and told me they will investigate what happened and asked what time of day I was available so that they could call me for questions. Wells Fargo never contacted me after this. I also had to ask Wells Fargo to change my user ID and password to prevent anymore theft from the hackers. The following are phone number the hackers used to contact me. XXXX, XXXX, XXXX, XXXX. The hackers sent me a text and told me they could give me my money back if I called them. I ignored their calls and texts. I also filed a police report XXXX with officer XXXX of the XXXX XXXX, IA police department. Today I received an email from Wells Fargo stating that the payment was processed as requested. I did not request nor authorize this or do it myself. There was no request from me. The only people that requested it our the criminals that stole the funds. Regulation E states they must return my funds for this unauthorized withdrawal. XXXX even states this on their website. Wells Fargo is incorrect stating that I authorized people to steal from me. 

Wells Fargo 's response to my first complain was that the transaction was an XXXX sale. 
What sale? What was purchased? Where is the information from XXXX? I have no information about any transaction sale with XXXX. I don't think it is even possible to pay with XXXX on XXXX. They only offer XXXX and credit cards. What does this have to do with them gaining access to my wells fargo account? A XXXX transfer to XXXX XXXX was done directly through my Wells Fargo bank account. There was no involvement by XXXX. XXXX was the email my money was sent to. That is not XXXX. No money is being sent to XXXX or handled by XXXX. My account was hacked and the money stolen. Nothing was authorized. Wells Fargo needs to provide more information about this supposed XXXX transaction.

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 monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WV

Complaint narrative:
My account is almost negative XXXX dollars because of repeating pos signature decline fees. My card isn't linked to any subscriptions or reoccurring payments but Ive continued getting signature decline fees, multiple times a day during the XXXX weeks between my payroll deposits. So before every payday my account is already in the negative and it's taking chunks out of my paycheck for something that I didn't do. I've called and complained multiple times but nothing has been done. The people from customer support are very rude and won't answer any of my questions or even try to help. I could understand if I was actually using my card to make purchases or attempt purchases while it was in the negative, but Im not. Ive asked them to unlink it from any reoccurring payments and subscriptions and they said they did but they obviously didn't because of the constant fees I'm being charged. I don't make alot of money and I'm trying to get money saved up for a place for me and my girlfriend. We have a XXXX XXXX year old with another baby on the way. Money is already tight and these constant fees are really making it so much harder. Can you please help me get my money back, please.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I lost my phone at the mall on XX/XX/2022 around around 5 something ish, I had my phone in the fitting room at XXXX since thats the last place I saw it at. My last purchase was from XXXX at XXXX. Anyways as I was checking out, I dont think the lady at the cashier gave me back my debit card since I couldnt find it when I was XXXX talking to the bank. My XXXX XXXX and my XXXX was still connected when I was walking out XXXX when I got a notification from cash app saying you tried to add {$1000.00} but was decline. I pause for a min and said what. So at the moment Im looking in my person and shopping bag for my phone and at that moment I realize I lost my phone. The phone that I lost is a XXXX XXXX XXXX redXXXX I stored all my pins and passwords in my notes because sometimes I forget my log in information. So the person try to add {$1000.00} again and I guess my bank decline it. So they kept trying until my bank was able to let them added money. So they tried for XXXX $ and another XXXX $ and I knew at that moment there was no way to turn off my card because I didnt have a phone to call them. So I immediately rush to the car to charge my phone well my sister phone and made the call to my bank and told and explain to them what happen. They told me to file a police report and I did just that. I showed the officer the person who sent themselves money using my card and they said it was a fraud and not a real person. So chime my bank couldnt do anything until my transaction are not pending anymore. Finally Monday came by I called them up and told them to start the dispute and they told me they did and wait to hear back from the dispute team. The next day I check my phone they close my case because they said I dont have enough evidence to show it wasnt me. When I have a police report and the whole person name and everything who sent money and Im kind of upset because they didnt even look though my case fully just automatic say nothing wrong and close case. A normal bank would say we get back to you with 3-5 days not a day would take. This bank doesnt protect anyones money. Any bank well lock someone card if the money or anything is over the limit. So Im want to file a complaint against this bank and take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
Second attempt. Prior complaint XXXX Chime posted a transaction in the amount of {$30.00} from XXXX. This transaction was not mine. They closed the dsipute without refunding my money. I asked for proof, as in receipts for items purchased or what the charge was for with a receipt. They ignored my requests. They credited the {$30.00} back to my account on XX/XX/22 and then deducted the amount on the same day. They need to credit my account the {$30.00} back to my credit builder account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: General Motors Financial Company, Inc.
State: OR

Complaint narrative:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, 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.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I received a letter from Transunion regarding my previous complaint. The action they took is inadequate and not appropriate for this situation. They added remarks to each of the negative items from XXXX and XXXX instead of removing them. It has been over 7 years since the first late payment for each of these accounts, they need to be REMOVED. This has not been an issue with the other credit reporting agencies. I will be seeking legal representation if this matter is not resolved quickly.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax : Fraudulent activity on account and incorrect and inaccurate accounts XXXX XXXX : XXXX Acct. XXXX XXXX * XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2022, I purchased the item ( front door and the installation ) from Home Depot located in XXXX XXXX NC, store number XXXX XXXX  # XXXX. The total amount that appears on my XXXX credit card is {$1700.00}. The door was installed on XX/XX/2022 ( due to supply chain global issues ). However, the product installed is defective. The installer identified the defects of the product and documented them in the report that was sent to XXXX and its vendor XXXX. I have been in contact with the XXXX executive team as well as with customer service ( available in writing upon request ), however, there is no progress on the issue. I only have a contractual agreement with XXXX and with no other vendors XXXX  uses, therefore, my complaint is addressed to XXXX XXXXhe cold weather is approaching and I still have big air gaps through the door and door frame. I have pictures and videos proving my concerns. 
This issue classifies as a false advertisement.

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 2022-10-12 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: AL

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 usc 1681.

Equifax is govern by 15 usc 1681 and they violated my rights numerous of times. I demanded the account listed below be romper because According to 15 usc 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: NC

Complaint narrative:
Equifax modified information on my credit report while supposedly processing a dispute. The dispute in question was started on XX/XX/2022 and documentation was provided with the dispute. While waiting for the dispute to complete the information was corrected and updated by the bank. On XX/XX/2022 the account showed XXXX late payment, exceptional payment history, and a XXXX balance. After Equifax completed their dispute on XX/XX/2022, my account now shows two late payments and a balance of {$230.00} which is incorrect. I have faxed a copy of my credit report from XX/XX/2022 proving that the bank reported correctly. I also submitted a credit card statement showing that my account balance is XXXX along with a letter from the CEO proving that there should be no late payments reflected on the account. I spoke with numerous agents who all basically called me a liar and told me that I was crazy because the bank has not reported since XXXX which is false. All I was looking for was for them to own up to their mistake and fix it. The only resolution they provided was for me to submit a dispute and wait 30 days. I tried cancelling the dispute but they would not allow it. I assumed that once they saw the account had already been updated to show the correct information they would see there was nothing to be done but instead they modified my account information and basically refused to do anything to fix it. Had they taken the time to review the document from the CEO that I emailed them and looked a copy of my current credit report and done their jobs correctly my score wouldn't have dropped XXXX points for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
I reached out to TransUnion LLC twice Wednesday, XX/XX/2022 and today XX/XX/2022 to complaint about them having my personal and private information without my oral or written consent and for furnishing inaccurate information on my behalf without verifying anything. I have filed an FTC report for identity theft that themselves are participating in it. In my FTC report, I let them know that it was not made in error nor in misrepresentation of material fact relevant to the request. I have listed some accounts and inquiries that needed to be removed within 14 days as the law require. Not only they told me they rejected my FTC report but at the same time they added an identity theft statement to the report ( i did not know that a limited liability company can reject a consumer identity theft report ) but the supervisors were very rude saying I can GO KICK ROCK and I can go file thousand of complaints with the cfpb that they do not care and they will not remove anything in flagrant violation of my federal protected right. ( BASICALLY, I CAN GO XXXX MYSELF. THEY ARE THE ONES WHO RUN THE SHOW ) I have a recorded audio of both interactions with TransUnion LLC supervisors in case i have to turn to the federal court for resolution and remedies. I have attached is the letter i received from them.

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 2022-10-12 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )

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