vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I restarted Credit Monitoring with Trans Union. I discontinued the service about 2 months earlier because of chronic inability to sign in. I got no credit probably for months where I didn't engage the process but it would not have been available to me any way because of a problem. I called the Customer Service Line at XXXX first after what seemed to be a contact it followed with an immediate disconnection. Finally i Reached them after 54 minutes of effort. I believe I had been transferred outside the US and that is not a complaint except the background noise was such and the males accent so thick I couldn't understand him until several repetitions of the same question or ask him to repeat back his answer. Today I began trying again to resolve the problem at XXXX again the phone problems connect and immediate disconnect. Since then and perhaps coincidentally or by some other very unusual circumstance I have begun getting false invoices and orders. The person I spoke to had all my information including my Verifying questions. I can not reach any one at the company to help me. Id like to be helped or they refund an amount equal to time i was without service for their inefficiencies and my current term or better still that someone helps me solve the problem. Please help.

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 2023-06-13 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: U.S. BANCORP
State: CO

Complaint narrative:
On XXXX XXXX, I purchased a desk to be custom made. This originally was to be delivered by XXXX XXXX. Due to the pandemic and other reasons, the desk delivery was delayed until XX/XX/XXXX. Once it was delivered, it was found to not be what was specified on the work order. Immediately, I contacted the furniture provider, and in writing, he agreed to have a new desk made and delivered, and he would later arrange pickup of the incorrectly made item. Since he needed time to make the desk and arrange for freight delivery, my Revised delivery date was set to be XX/XX/XXXX, with a clause that if he could not make this date, he would issue a full refund. The orig work order and this new agreement, along with documentation setting the expected date of delivery of XX/XX/XXXX for the desk was provided to Fidelity Visa. 

I talked often to the merchant during this time, but the last time he responded was in the third week of XXXX. During the first week of XXXX, XXXX, I contacted my credit card to start a chargeback. 

My Fidelity Visa credit card declined this chargeback as being outside of the 60 day allowance. I know this is not Visa 's only rule, and Fidelity should also follow this one : If the merchandise or services were to be provided after the Transaction Processing Date, XXXX calendar days from the last date that the Cardholder expected to receive the merchandise or services or the date that the Cardholder was first made aware that the merchandise or services would not be provided, not to exceed XXXX calendar days from the Transaction Processing Date. Seeing as how my LAST date I expected to receive the desk ordered was XX/XX/XXXX, I was easily within this time. Also, going by " or the date that the Cardholder was first made aware that the merchandise or services would not be provided, '' this date would be when the merchant did not deliver on XX/XX/XXXX, and stopped responding AFTER XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am writing to dispute a charge of {$560.00} from DISCOVER BANK on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent. 

I contacted the company immediately upon seeing this balance showing up collections. Multiple times have I stressed this issue to them regarding my concern on this account balance. The company refused to try and resolve my issue, even though I provided documents to them as proof, as well as writing them a letter and mailing it in. This issue has been prolonged for too long and its affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MO

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-06-13 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: AZ

Complaint narrative:
Wrong account appeared on my credit report that belong to someone law with the same name. Fraudulent account, account I didnt authorized which result in identity theft. 

Account : 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 2023-06-13 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: AZ

Complaint narrative:
Wrong account appeared on my credit report that belong to someone law with the same name. Fraudulent account, account I didnt authorized which result in identity theft. 

Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have made multiple attempts in order to get a XXXX XXXX account off of my credit report because I have no knowledge or part in creating one. I told them that it is possible someone may have opened an account in my name because I did lose 2 of my SSN cards & they said it was me because the store is within so many miles of my home when I know I havent opened any accounts. Ive tried multiple attempts and now I am ready to report against Experian.

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 2023-06-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been disputing an account with CitiCard since the beginning of XX/XX/XXXX when they reported an account that was past due. This account was settled and paid off in XX/XX/XXXX. I have spoken to CitiCard and they sent me a letter stating there was a XXXX balance. Still unresolved. I submitted a dispute through here, and CitiCard came back and said the past due balance was correct. It is not. I am attaching the letter stating the XXXX balance, and the dispute resolution contradicting their first letter. I also spoke to the law office today who handled the pay off and they are emailing me a XXXX balance letter and stated that CitiCard in XX/XX/XXXX was notified the account was paid.

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 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$5500.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I tried to make some transfers to my other savings account and they were denied by XXXX XXXX XXXX I call several times and they said they will make the transfer and its never done. I call 2 times about closing my account and nothing has been done. I call a third time today and same process, they said it will close and nothing. I need my money, my money is being withheld for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-13 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-14 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX showing XXXX XXXXXXXX XXXX credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PR XXXX XXXX XXXX mailed me an automated letter saying the account was investigated. I request proof and mechanism of investigation this account does not belkng to me and it is no even on my XXXX repott Please have XXXX investigated withing 30 days and proceed with removal of the account. 
Account XXXX XXXX 120 days late Account never late it was paid please make it current never late XXXX XXXX XXXX  XXXX 120 days late Account never late please make it current

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 2023-06-13 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
AFFIRM INC, is showing on my creadit report as a lone being taken out with multiple accounts under my name totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had a prior CFPB complaint that was closed out unsatisfactorily. My account was been changed from a Team Member account to an Everyday Checking account while I am still receiving Wells Fargo direct deposits. My account still shows as a Team Member checking in the system. I am being accessed charges according to an Everyday Checking account but it is still a Team Member account. Please reopen this complaint. I am not satisfied with the research that Wells Fargo completed regarding the matter. It took a month for no resolution. CFPB guidelines require a response within 10 business days.

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is not allowing me to register my credit card account online. This is the service that Wells Fargo offering to other consumers and that is advertised to the public. but I am denied to access the service. 

When attempting to create an online account in order to manage my credit card I am receiving the following message : " We couldn't process your request online. Please call us at XXXX for help. '' During the last month I had called Wells Fargo at the above mentioned number at least twice. The first time I called Wells Fargo representative informed me that Wells Fargo is aware of an internal problem that it is experiencing and that it will fix the problem in 3 business days. 

I waited 4 ( FOUR ) business days before attempting to register for online access again and when I tried to register again I experienced the same problem, so I called Wells Fargo again. During the phone call I was transferred to different departments at least three times and every representative that I spoke with interrogated me with a series of questions for a long time and eventually said that the problem was not in the competence of their department. 

The last representative I spoke with failed to resolve the problem and requested that I visit a Wells Fargo office with the closest office to my address being more than XXXX miles away.

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