vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX i realized my bank account was completely wiped out. I had XXXX in my checkings account. My bank card was linked to my XXXX and all of my money was transferred to XXXX  to someone i do not know. I immediately called my bank, Wells Fargo, and submitted a fraud/scam claim. I was told by a representative that my funds would be reimbursed. I was later denied my claim and I have been calling for days trying to get an explanation. Representatives have been giving me the runaround. I believe my XXXX account was hacked into and I have been trying to express that to my bank. No one is willing to help me get my funds back at all. I even contacted XXXX XXXX support team. They also denied my claim. This was all of the money that I had to my name and I am very upset because I have never been scammed before, and the bank that I have been with since 2019 is not willing to help me get it back. I have filed a police report against the person who received my money on XXXX XXXX. Please help me get at least some of my money back. I am not able to provide for myself or my child.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to buy a home i notice some Negative report on my credit i contacted XXXX XXXX twice in regards to the same per 15USC 1681 i requested they furnish me with their means of investigation as the information is inaccurate, incomplete and unethical which they refuses to do. This report is misleading, Amiss, and awry and is doing a humongous damage to my character.Your intervention in this matter is highly appreciated. Thank you

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 2024-07-07 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: CA

Complaint narrative:
Someone who probably has my personal information applied to get credit cards which cause inquires on my credit report. The inquires and dates are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
In may they started to remove the account XXXX XXXX and it was suppose to come off XX/XX/XXXX. And when I try to dispute it it says it will be done by XX/XX/year>. And we are past that date and I can't dispute it. It says XXXX XXXX on the account like it's suppose to but when you click on the check status of dispute it says XXXX. So they have it all messed up.

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 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SOFI TECHNOLOGIES, INC.
State: AE

Complaint narrative:
I opened a SoFI account under the guise that I would receive a {$300.00} reward if I established Direct Deposit worth {$5000.00}. Therefore, I switched my Direct Deposit from XXXX and XXXX XXXX  to SoFI. I still have not received the promised {$300.00} deposit, and when I asked why - the customer representative responded that it needed to be completed within 25 Days. Unfortunately, this was not advertised when opening the account. Therefore, SoFI committed false and misleading acts under deceptive practices. Additionally, its no way I could establish my XXXX XXXX Direct Deposit from the Department of Veteran Affairs because the payment is paid every 30 days, and it takes additional time for the VA to implement direct deposit change request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be 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 2024-07-07 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: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be 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 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am trying to buy a home i notice some Negative report on my credit i contacted TransUnion LLC twice in regards to the same per 15USC 1681 i requested they furnish me with their means of investigation as the information is inaccurate, incomplete and unethical which they refuses to do. This report is misleading, Amiss, and awry and is doing a humongous damage to my character.Your intervention in this matter is highly appreciated. Thank you

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 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attempted a XXXX dispute on a long since payed collection for the amount and wording to be corrected. The amount should be XXXX and wording should not state i have a collection with this creditor and that should not show as a new major derogatory or a new collection which was how it was reported on XXXX. The company in question is affirm and on their very own website and and app it shows that it was clearly paid in full in the amount of XXXX in XX/XX/XXXX but XXXX will not update this and it remains on my report hurting my score severely. Im trying to save my familes business that is failing and we've been in business since XXXX and it would devastate 10 families if i cant get correct reporting on my report in its entirety so that i may seek financial opportunities to save our auto repair shop

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 2024-07-07 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: CA

Complaint narrative:
I attempted a XXXX dispute on a long since payed collection for the amount and wording to be corrected. The amount should be XXXX and wording should not state i have a collection with this creditor and that should not show as a new major derogatory or a new collection which was how it was reported on XXXX. The company in question is affirm and on their very own website and and app it shows that it was clearly paid in full in the amount of XXXX in XX/XX/XXXX but XXXX will not update this and it remains on my report hurting my score severely. Im trying to save my familes business that is failing and we've been in business since XXXX and it would devastate 10 families if i cant get correct reporting on my report in its entirety so that i may seek financial opportunities to save our auto repair shop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
I always pay above the amount due on my credit cards. Ally credit card I have been paying {$150.00} a month for the past 4 or 5 months. On XX/XX/XXXX, I scheduled a payment of {$150.00}, which was deducted from my checking account but then they took the entire balance of {$1000.00} out as well, which I did not authorize. 
I only get {$1400.00} in Social Security benefits each month to pay my bills. I never would have authorized that much money to come out all at once. I told XXXX at Ally but she insisted that I authorized it and said it would take 2 weeks to just check into it. They had no right to take out more than authorized ; I told her it must have been a computer glitch but she didn't care and was very rude. 
I contacted my credit union and filled out paperwork advising them of the same because of my monthly bills coming out of that account. I didn't want all of the overdraft fees as my bills are mostly autopay since collecting Social Security. It's the only way XXXX can budget in this economy. 
The credit union put a dispute on the account and put the money back in for now but this is just temporary pending Ally 's investigation. I also uploaded a document to the Ally website stating that I did not authorize such a large payment. 
I can't get a response to this and it's been several days. 
I have never been late with my credit card and have always paid more than the balance due each month. There was no reason for the company to take that much from my account.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-07 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: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NM

Complaint narrative:
This is about the XXXX XXXX charge card issued from XXXX, in which my owed amount went up quickly. I noticed double charges and an unidentified person had requested that a duplicate card be sent to my address. I kept receiving emails indicating someone else was in my account which made it look like it was me. It was not. Additionally, a payment exceeding {$2000.00} was not credited to my account even though I have the receipts in my email. I tried to bring this up with customer service through XXXX 's chat feature and was only told to email the hardship debt resolution center. I called and got put on hold for over four hours causing me to give up and I decided they would contact me when I didn't pay the bill. My credit limit also got reduced significantly enough to lower my credit score excluding me from being accepted to a consolidating loan I was considering. This created a snowball effect and my credit suffered immensely. My charge account was referred to Calvalry SPV XXXX without notice and I was summoned to court. Before I was summoned to court, Calvary called me and I informed them of the fraudulent actions on my account. They ignored it and took me to court anyway. Because I was representing myself, I never got a hearing and my case was pushed into a default judgment. I never received anything from the court about my case even though I answered the complaint timely. About a month after the default judgment, Calvary sent me a form to fill out about the fraud, they required a convicted person for proof. I filed an identity theft report and affidavit with the FTC and mailed it to them plus the three credit reporting agencies. At this point, I am at a loss because neither the credit agencies, the debt collector, the bank, or the store has taken me seriously. I know I owe some of the debt, but the amount I owe is significantly less than I am being accused of. This is a complaint against XXXX XXXX for the security of their system whether its employees or outside the store, XXXX for not investigating, Calvary for not stopping collection actions until investigated, and the civil court in my district for ignoring my side of the case and not providing me with the answers I needed to defend myself properly, including where and how to file motions.

Company response to consumer: Closed with explanation