vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Citi acc # XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also States a consumer can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer Report ' does not include-any report containing any information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NC

Complaint narrative:
I called Transunion on XX/XX/XXXX to ask why my credit score had changed. The operator couldn't explain why tried to put me through to another department, that didn't happen. On XX/XX/XXXX I received in the mail from Transunion a credit report saying that I requested it but I did not. Today XX/XX/XXXX I have been on the phone numerous times trying to get someone to explain why a company did a search on my account. It states it was done via Transunion XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX which is a transunion phone number. Many people are complaining online since at leastXX/XX/2013about this company doing credit checks and charging them without their permission or ever having done any business with them. Yet they are still operating under the name of Transunion. I am still on the phone with Transunion as I am writing this complaint waiting for someone to answer my question that no one seems to want or can't answer. Why are they still doing business with these people? They're a credit agency that should be protecting us! I also have XXXX XXXX XXXX that requested a check, why, I've never applied or done any business with 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 explanation
Consumer complaint received 2023-06-20 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:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX  XXXX Opened XX/XX/XXXX and amount {$1400.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX XXXX Opened XX/XX/2021 and amount {$1400.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
I reported fraud to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed charges on what was to my knowledge a ( closed card ) The charges totaled {$430.00} The charges stemmed from XXXX I had an identity theft report, I had an agent as well as an FTC report XXXX 
I disputed unauthorized charges on a card from XXXX XXXX XXXX 
I spoke with the fraud team to dispute the charges and had confirmation from the agent that the card was indeed closed so i am not aware how the charges were made. 
The agent explained while I was enrolled in the credit protection, they reopened the card. 
This was done without my knowledge. 
However they provided a provisional credit, Next, i requested they close this card, send a new one, I pay my bill for the month as I await my new card to be shipped. 

As i receive the new card, I realize that they reversed the provisional credit from the fraud in which i was supposed to be 0 % liable. 

They also waited until after i paid my bill. 
This was unethical, I reported this to them, they sent me a charge from XXXX {$19.00} A charge from XXXX XXXX to some unknown name {$120.00} I never made a prior purchase or any from the merchants " XXXX or XXXX XXXX 

I redisputed the fact that they reversed my provisional credit. 
They provided me a letter showing something was ordered and shipped, i have no order I received in my building, also, I have that XXXX XXXX charge that they only provided the transaction details from XXXX XXXX  No where in those details does it support or show that they can hold me liable from fraud from a compromise from unauthorized charges. 


I already established with the fraud agent when making the report for dispute XXXX that I hadn't used my card in entire XXXX  year going all the way back to when I enrolled in credit protection program, That is when the card was closed. 
They had a discrepancy on their end, reopened the card, the lost card which was reported was used. 

I am disputing this {$12000.00} & {$19.00} totaling {$140.00} this has been causing financial burden This has caused my credit availability to change This has dropped my credit score this has caused overwhelming issues. 

I am reporting XXXX XXXX XXXX their practices of false misleading assurance is wrong. 
They are not doing their part for the consumer on the card and services they offer. 


I reported this to all the bureaus I reported the fraud to FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: AZ

Complaint narrative:
On XX/XX/2022 added XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA all accounts have violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: LA

Complaint narrative:
Transunion continues to willfully non comply by removing 2 adverse inaccurate Non public personal information. 

US DEPARTMENT OF EDUCATION XXXXXXXX US DEPARTMENT OF EDUCATION XXXX Accounts have been illegally Reaged since first dispute..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/23 we filed 3 affidavits of fraudulent use of our checking and savings accounts at the XXXX XXXX in XXXX NJ. 3 checks were split deposit with cash back totaling approximately {$6400.00} at XXXX branches in XXXX NJ. The checks used by a perpetrator were not even micro encoded with Bank account or routing number. In addition, checks were not endorsed with signature. In addition, we seldom go into a branch, which would only be in XXXX NJ, we use online banking, electronic banking and ATMs. NOW XXXX IS TELLLING US OUR CREDIT CAN TAKE UP TO 30 DAYS!!!!!! These transactions were not performed by us, they were negligence on the part of the the XXXX staff - banking 101!. There is no reason for them not to credit our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 I ordered a part from carid.com I placed the order for a car part for {$16.00} The order showed free shipping so the total charges on my screen came to {$16.00} when I receive the item the company charged me {$160.00} for shipping the item. 
I contacted the company and I contacted the credit card company ( Chase ) to dispute the shipping charges ( which was an extremely unfair amount ). The item weighs XXXX pound so even if they wanted to charge me something for shipping, {$160.00} is extremely high. 

Chase credited me for the {$160.00} and then on my XXXX statement they reversed the charge. And threw {$160.00} back onto my statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
Transunion is reporting 2 hard inquiries on my consumer report that I did not give consent or authorize. The hard inquires are dated : XX/XX/XXXX XX/XX/XXXX They are both from an unknown company called XXXX XXXX. I did not apply for credit on these dated nor do I know who this company is. Transunion needs to immediately remove these unauthorized fraudulent inquiries or Transunion will be in willful violation of the FCRA. 

I have also attached identity theft reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
equifax is in violation of the fair credit reporting act they removed an account that didnt get verified than put it back on my credit report they are in violation reporting both of these XXXX XXXX accounts on my credit report after they were removed and if these items arent removed i can sue for XXXX $ per account. i ask that you the cfpb help me get these accounts removed because they are in violation of the fair credit reporting act I have provided documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent a wire Transfer from my XXXX account to my Wells Fargo account. Wells Fargo claims they have not recieved the wire transfer. Opened up an investigation at XXXX and they confirmed through the Fed Reserve that the money is intact at Wells Fargo. Also Wells Fargo sent a message to XXXX saying they received the wire but they are refusing to release the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Received on XXXX XXXX XXXX a written dispute From Me that highlighted all inconsistencies and incorrect information on my credit report. They never initiated the disputes on my behalf until Today. I have spoken with Them in regards to remedying the matter every day they have been available since the mailing of the dispute. In response Verbal Disputes were placed on my account and not in connection with the Supporting documents I sent. Ive explained to them I am undergoing a mortgage and more than likely will miss the deadline because now my investigation will take an additional 30days to resolve. 

Similar Time frames and situations as for EQUIFAX And XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: PA

Complaint narrative:
There is false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right of privacy. 15 U.S.C Section 604 Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: CA

Complaint narrative:
Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and XXXX XXXX shall also be responsible for charges and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: CA

Complaint narrative:
Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and XXXX XXXX shall also be responsible for charges and fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with 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 2023-06-20 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: LA

Complaint narrative:
XXXX XXXX XXXX in XXXX Louisiana Fraudulently ran my credit more than authorized without approval. And furnished illegal 3rd party non public Transactions and Experiences 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 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
When my financial hardship began I contacted my lender Marcus by Goldman Sachs in XXXX 2022 to inform them that Im having difficulty making the full payment and can I request a hardship or assistance plan? I was informed by their rep. NO i dont qualify. It bothered me because another lender company I applied at the same time worked with me and I have no problems and I'm currently back making my regular monthly payments with that lending company. But Marcus has been a complete opposite and nightmare. The numerous calls through my day. This company called over 15 times in a day and everyday but sunday. It was so horrible that I had to cut my phone off because they called so much. Plus the letters about the loan to make it seem as if I was not contacting them to work something out. I reached out again in XXXX, XXXX, XXXX, and in XXXX. just to see if I qualify and again all four times their Rep told me no about a payment plan and that I dont qualify. The conversation in XXXX I mentioned to that Rep. than stop all the phone calls if you cant help me and all Im asking for was a short term plan just until I can get back on my feet. He went talked to his manager and came back with NO! because I dont qualify and informed me that collection calls will continue. As they did everyday but sunday! 15 plus phone calls from Marcus to add on the stress level I was already under. Letter in XXXX came that they charge off to XXXX XXXX XXXXXXXX for non-payment after I made numerous attempts to make payments just not the regular monthly payment as they requested during that time and they not once worked with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with 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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
Requested documentations to verify allege debt and were not able to deliver all Requested documentations under the law so XXXX days has passed and they haven't delete the file from credit file

Company response to consumer: Closed with explanation