vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Applied for jet blue plus card. Called because checked status online and said denied. Was told that I wasn't actually denied yet, that needed to provide more information on XX/XX/XXXX. I indicated that I did not feel comfortable sending front and back of my social security card. Was given option of sending my 1040. I asked about blacking out social security number and was told it was fine. Sent it in, waited was still denied because 1040 was blacked out. I called several times and was given the option to send it in again with my husband and daughters socials blacked out and mine visible as they were not on the card. Called next day to confirm fax number and again confirmed blacking out their socials. Faxed the document with my full social visible. Requested several phone calls back, no one called me back. Spoke to one manager who said that they didn't receive fax but confirmed again that it would be ok with blackouts. Found out I'm denied AGAIN based on blackouts. Credit was approved almost instantaneous can't get through security and continuously lied too. Employees including managers give different stories and each says the last person was wrong. Filed with the XXXX XXXX XXXX, the office of the president finally calls me back. They promise to look into it. Take a few days, get back to me that they are sending me a letter regarding the XXXX  case ( still have not received it ) and were going to make it right by me. Promised to have the letter within XXXX hours as of Wednesday XX/XX/XXXX around XXXX. It is not Thursday XX/XX/XXXX, have not received said letter, have sent multiple messages, phone calls. No responses from anyone. Feel very goated into giving information that from the XXXX phone call I informed them I was not comfortable with.

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 2023-10-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquiries due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by equifax, XXXX, XXXX and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by XXXX, experian, XXXX and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
UNRECOGNIZED/UNAUTHORIZED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts.

Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-10-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts.

Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Our online account was hacked and they wiped out our checking and savings accounts- {$160000.00}. Since it was wire transfers and I had to give them a code, Wells Fargo closed the case and will not give us back anything. It started by hacking Wells Fargo and getting in our and knowing all our information. They went through transactions because they were in my account, they called from Wells Fargo numbers, they sent text like Wells Fargo. This has been a HUGE life changing loss and Im looking for anyone to help. I was in a Wells Fargo branch Worthing 45 minutes of 2 of the transfers and they couldnt figure out how to login and stop the transfers. They did not communicate during the process and basically told us tough luck. Its been a horrible experience and Im looking to see if anyone can 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 explanation
Consumer complaint received 2023-10-05 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
Executive Office of Discover Financial Services XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to me Dear XXXX XXXX XXXX , Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your inquiries have been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation.

If you have any questions or would like to provide additional information, please feel free to email XXXX Sincerely, XXXX Executive Office of Customer Advocacy I responded with XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX  days ago ) to executiveoffices XXXX When will I receive a response since you gave me no warning about my limitations? What is your position in the Executive Office? You seem evasive you haven't provided your last name. Will my disputes be resolved quicker so I can be done with DIscover ; there was no respect for me. 

XXXX I have yet to receive a response from the this very profitable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at the point of giving up. XXXX keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at the point of giving up. XXXX keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
I did not authorize these inquires XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-05 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: FL

Complaint narrative:
Despite my efforts in sending multiple letters, the reporting companies have all refused to remove the unauthorized inquiries that were reported on your credit.

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 2023-10-05 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: FL

Complaint narrative:
Despite my efforts in sending multiple letters, the reporting companies have all refused to remove the unauthorized inquiries that were reported on your credit.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
Executive Office of XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to me Dear XXXX XXXX XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your inquiries have been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to email XXXX Sincerely, XXXX Executive Office of Customer Advocacy I responded with XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to executiveoffices XXXX When will I receive a response since you gave me no warning about my limitations? What is your position in the Executive Office? You seem evasive you haven't provided your last name. Will my disputes be resolved quicker so I can be done with XXXX  ; there was no respect for me. 

XXXX I have yet to receive a response from the this very profitable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NC

Complaint narrative:
Business credit card was offered with a {$500.00} bonus if {$4500.00} was spent using the card within 150 days of account activation. Promotion included unlimited employee cards and card paid a favorable percentage back on fuel purchases, which is the obvious selling point of this business card. 

On XX/XX/2023 I activated the card, and shortly thereafter I requested and received employee cards for those employees of our business that drive our trucks and therefore spend money on fuel. 

We reached the {$4500.00} threshold within 60-90 days of account activation. US bank failed to pay the promotional {$500.00}. On XX/XX/, I received a letter stating that I did not meet the promotional requirements. When I contacted US Bank, the reason they provided was that the promotion was only for my individual card - and not the business account as a whole. That is a blatant lie. The account is in the business name, it was signed up in the business name, and it is a business card for business purposes- specifically fuel purchases. US Bank is being disingenuous at best, and at worst they have committed fraud - which in North Carolina is subject to the North Carolina XXXXnfair and Deceptive Trade Practices Act ( UDTPA ), which is found in Chapter 75 of the North Carolina General Statutes. 

I contacted US Bank but received no assistance in resolving this issue. 

US Bank owes me {$500.00} now, or I sue them and claim {$1500.00} in treble damages.

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 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I'm relatively new to onlins banking and I was trying to send my friend XXXX XXXX XXXX {$20.00} but I was having trouble trying to do the transfer myself and so I called the Chime number I got on XXXX and a person who was falsely representing Chime online banking answered and Said " Chime, how can I help you? '' I told him what I was trying to transfer {$20.00} from my account to XXXX XXXX and he told me to go to my online Chime account and He would walk me through the process and so I did what he was telling me to do step by step and he did 2 illegal transactions on my account the first attempt to XXXX XXXX XXXX denied but the second attempt through an email at XXXX was accepted and the person took {$410.00} all the money I had in my account on XXXX XXXX and I took screenshots of the illegal transaction but Chime denied my dispute. I still have all of the evidence I have 4 different screenshots I'm sending to you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have been using XXXX XXXX for years, and as soon as i switched to chime i start getting overcharged for my payments. 
I was overcharged for over 6 payments with XXXX XXXX  totaling {$470.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Card was placed on hold because of a transfer from a external account that didn't go through. But I didn't authorize the transfer at all. My account has been on hold for two weeks. Everytime I try to call to clear it up they tell me over and over the same thing and will not listen to anything I'm saying. They ask for an statement from XXXX account but I've said so many times that I can't obtain a statement because the account was closed so to begin hacked. XXXX will not send a statement on closed account

Company response to consumer: Closed with explanation