vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-08-17 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Repeated fraudulent withdrawal to my account and they are making me wait to dispute them. Did not flag as fraud until it was $ 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 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX, Caller ( XXXX ) XXXX called XXXX XXXX XXXX XXXX ( XXXX ) XXXX stating they were from XXXX XXXX and were in the process of disconnecting my service. I was panicked and directed them to call my sister, XXXX XXXX ( XXXX ) XXXX, who takes care of my financials. The immediately called her at XXXX and explained that service was being disconnected and payment was needed. She offered to pay via credit card but they explained that in this situation where disconnect was in process they could only take XXXX. They then proceeded to walk her through the process of paying via XXXX in the amount of {$290.00}, removing the late payment. They then proceeded to explain that they payment was not accepted because the system was not taking in to account the removal of the late payment, she she processed another payment for the {$310.00}. They walked her through how to request credit through XXXX for the refund of the first amount and said just to round it up to {$290.00}. They then stated service would be restored and put her on hold to confirm with supervisor. A few days later, after refund did not process through as a refund, she reached out to XXXX XXXX to learn that they never accept payments through XXXX. So unfortunately this was fraud and they took a total of {$910.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
i am victim from a scam... i spoke to Coinbase and XXXX XXXX about it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CarMax, Inc.
State: GA

Complaint narrative:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good day, I noticed back in XXXX  timeframe that my equifax fico score went down XXXX pts. It was odd because I had not applied for anything to my knowledge. I have been paying my bills on time and trying to rebuild my profile. I monitor my Fico scores on several platforms and thankfully I do. 

I called Equifax on 2 occassions, 1 was to document my issue and ask for my score to be restored. While I was on the phone with Equifax personnel my reports from XXXX till XXXX was deleted. They downloaded my new XXXX report to check and see if they deleted the evidence i guess. I say that because I did not request an update to my report. 

When I called the 2nd time, it was to let them know that I noticed the deletions but I still have the reports. I aslo told them how disrespectful I thought that was. I am asking for my points to be restored to my profile immediately. 

phone number called XXXX First call ; XX/XX/XXXX XXXX XXXX lasted 9 min 11 secs Second call ; XX/XX/XXXX XXXXXXXX XXXX  lasted 7 mins 37 secs I also monitor my reports via XXXX so I still have evidence. 

This is unacceptable business practice and such aggregious actions should not be taken lightly. I have been depressed about my profile since my discovery. I have been working diligently to improve my Equifax profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a notification from Transunion, XXXX, XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, Transunion and XXXX to delete collection immediately or I will be suing within 30 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 non-monetary relief
Consumer complaint received 2022-08-17 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: EQUIFAX, INC.
State: GA

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

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal 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 2022-08-17 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: MI

Complaint narrative:
I have tried disputing these inquiries from my credit report. I spoke. The credit bureaus reps did not help me at all and told me to XXXX my answers. Please update and remove inquiries. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX Inquiry Date XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : 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 2022-08-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX my deceased husband and I opened a joint checking account. That account came with a lock box. In XXXX when my husband XXXX XXXX died I went into the branch and closed that account. I established my own account in XXXX. On XX/XX/XXXX, 7 years later Chase bank took money out of my individual account. 
They stated that it was past due fees for the lock box that was closed in XXXX. There was never one correspondence in the past 7 years that would indicate that lock box was open, and was not closed at the time the account was closed. Chase gave no warning and took money from my individual account at another branch, without following laws regarding debt collection. The bank has the debt listed in my deceased husband 's name. They have been unable to present any documentation that would allow them to debit my account for for this money.. They sent a letter after they debited that completely omitted my deceased husband 's name from the debt when they took the money from my account. 

I have uploaded the only correspondence, that has been sent to me regarding this box, they have omitted my deceased husband 's name from this document. They literally just attached this lockbox to my current account after 7 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: PACIFIC WESTERN BANK
State: VA

Complaint narrative:
I opened an account with a bank ( XXXX  XXXX ) in XXXX XXXX, CA in XXXX. Since it has become two different banks, and is now Pacific Western Bank. I keep this account as a " rainy day fund '' to cover expenses in the event of an emergency. Due to the age of the account, I have never had access to online banking, and since I do not live in the area to go into the branch, can not set this up. It is not possible to set up remotely, and I now live out of California. I only have my monthly statements and checks. Two years ago I received a statement which indicated that my funds were about {$2500.00} lower than they should have been, and below their " free account '' setting, so that I was now accruing monthly charges. When I called the bank, they said their system had erroneously mistaken my account with one that was one digit away from mine, and withdrawn the funds from mine instead. While it automatically caught it on the part of the check writer, it did not automatically correct on my end. It was a total hassle, and they did not ever refund the fees assessed to my account for the months of a low balance. They told me it happens all the time, and it was my job to monitor my account. 

In XXXX of XXXX, this happened again. I moved, and while my mail was updated, somehow these statements were not forwarded and I went months without receiving a statement. When I finally got one, I was shocked and called the bank. They said that once again my account had been erroneously charged instead of the one that was one digit off due to a check. When I finally reached a person I was told there were no notes and in fact they do not record individual notes on accounts. I was told this was my fault for not checking my account, that this happens all the time, and that it was not their fault. They now tell me that the other account is closed, and they have to reach this other account holder to retrieve the funds prior to putting back in my account. I have spoken to XXXX and XXXX, branch managers. 

Every time I speak with them, they remind me of how this was my responsibility and not their error. They remind me how they are " making an exception '' to even work on this account. They are not sure when the missing funds will be returned, and have no other option than to file this complaint. The check was written for {$2500.00}, and I am assessed monthly fees of {$6.00} for my account being under their critical free account determination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 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: WA

Complaint narrative:
XXXX XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have had my identity taken 2 years ago. At that time, only XXXX and XXXX offered credit freezes. Now Experian does. ( although, I had at least 2 credit cards taken out in my name through Experian between the time when they didn't offer it, until I had the 2nd card taken out last month ). 
I then froze my account with Experian last month. 
I am an owner of a small business and we applied for a XXXX XXXX Our bank needed to pull my credit. 
On XX/XX/XXXX I thawed my account through Experian. 
On XX/XX/XXXX and again on XX/XX/XXXX, my bank tried to pull my credit and could not due to it being frozen with Experian. 
On XX/XX/XXXX, I unfroze my account for another 2 days in hopes that would provide enough time. 
On XX/XX/XXXX and again on XX/XX/XXXX my bank tried to pull my credit and could not due to it being frozen with Experian. 
Today I tried to talk with someone at Experian. There were no " agents available '' to chat with. This occurred first thing this morning and has not gone away. 
I then called and got the automated system. There was no way to get to an agent, and I tried all of the options. I suspect that since I'm not a paying customer, I can not get through. 
I had the automated system CANCEL my freeze. This was confirmed on the website and in an email receipt. 
My bank tried again to pull my credit and can not. 
I filled out multiple complaints on the Experian Contact Form.

There is no one to talk with ; the contact form does not illicit any phone number, there is no one to chat with ; and there is no way for me to do anything about the freeze that has supposedly been removed, but the bank says otherwise. 
This is delaying our company getting a XXXX XXXX and will cause financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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