vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2024-03-25 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a credit card with CITIbank in XX/XX/2023, it was a premium card with {$95.00} annual fee and travel perks. I planned a trip in XXXX for 3 months and planned to use tha card since this card has XXXX reward points on XXXX spending as a welcome offer. And to make sure that card works internationally I gave them a call as well as mentioned in the app to let them know that I am travelling, so that my transactions are not blocked. 

But to my surprise even the smallest transactions of {$4.00} were blocked. And to unblock the card they could not do it over the call and required physical address verification. Which I did with the help of my friend. This went on for 3 times, same issue. So basically, my card was blocked for 3 months even after I unblocked it 3 times. 

So once I returned, I asked for compensation for the lost opportunity which I was denied and when I asked them to close my card they would not even refund my {$95.00} annual fee. 

My account has already been closed as per my request. But I believe I should be compensated for the Fee and the lost opportunity to earn XXXX reward points ~ {$600.00}. I can attach my XXXX credit statement for 3 months to support the fact that I did spend more than XXXX USD on that trip.

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 2024-03-25 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: IL

Complaint narrative:
According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted ExperianXXXX 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 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 2024-03-25 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
1. I was alerted by XXXX XXXX XXXX and XXXX XXXX on XX/XX/2024 that 2 regular donation checks and their deposits ( from XXXXXXXX XXXX XXXX  were missing from their records. XXXX donations had been received which alerted them to the missing XXXX deposits. 
2. Two checks ( bound for The XXXX XXXX and XXXX XXXX ) issued by my local credit union ( XXXX XXXX XXXX XXXX XXXX - XXXX, OH ), in the amount of {$500.00} each ( {$1000.00} total ) were never received or deposited by any XXXX entities. I was directed by my local credit union to have the receiving entity ( XXXX ) investigate. 
XXXX 's investigation was completed on XX/XX/2024, and summarized via letter from ( documentation can be provided ). XXXX does not execute business with Wells Fargo and could not locate the missing {$1000.00}. 
3. Both checks were deposited into the same Wells Fargo account ( documentation of the account numbers and check images can be provided ). To reiterate, neither XXXX XXXX XXXX XXXX XXXX XXXX have accounts or accounting business with Wells Fargo. In addition, I do not have any banking business with Wells Fargo. 
4. On XX/XX/2024, I contacted Wells Fargo via their website instructions ( using XXXX ) and was told by a representative to report fraud to XXXX. I completed this report. 
5. My email received a bounce-back automated response from XXXX stating that " If you are a customer, this email has been provided to you in error. Please contact Wells Fargo Customer Service at ( XXXX ) XXXX '' ( the same number that directed me to send the email ). 

I am submitting this complaint to seek resolution with Wells Fargo.

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 2024-03-25 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: NC

Complaint narrative:
My phone and computer started acting wonky, then I noticed my bank account missing funds that didn't add up. I checked my student loan amount, and I should only owe XXXX, not XXXX ... so I sent an inquiry about the loan due dates in XXXX XXXX XXXX was one of the companies that was supposedly sending out wrong statements so payments would be deferred automatically. I started school XXXX XXXX again, after a 2 year break, I did not end up taking these classes and instead took a spring class but my loans say they were A ) paid on time, I never made a payment since XXXX, plus COVID just ended so everyone had until XXXX to contact and update the student info and I was technically enrolled and had my loan offers already made, I am also not getting the full amount of my loans after disbursement and Im not sure where the wires get crossed between the school, and the business office and financial aid all have different amounts, but XX/XX/XXXX rolled around and they assured me I ; d receive the rest of my funding which was XXXX still owed.

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 2024-03-25 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: KY

Complaint narrative:
Both TransUnion and XXXX show my bankruptcy accounts with XXXX, XXXX, and XXXX  day delinquencies/past due accounts. This is false information. The credit companies are not reporting this, but they are reflecting in on my report as such. Status shows as never late but in my overall report it shows I have at least XXXX accounts that are currently delinquent/past due. This is inaccurate reporting and is causing me to not be able to get home owner 's insurance, a new mortgage loan, etc - even though my credit score is not poor.

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 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
To make the long story short. 

I paid {$2900.00} in order to get my vehicle and property back. I got my vehicle from the auction where they had moved it to. And discovered it had been damaged. 

I called my financing company to put them on notice that my vehicle had a damaged windshield. And missing handle. They quickly sent me a damage complaint form. I went to retrieve my belongings on XX/XX/year> at XXXX I went to retrieve my property that was in my vehicle at the time of repossession.. I went to the back gate where they closed it behind me and gave me an ultimatum sign the document and get my property back.or I leave without my belongings. 

While looking over paperwork i noticed the language of the document would leave those responsible of the damage harmless of liability. I refused to sign and because I refused they still held on to my belongings ; So I paid the total balance of {$2900.00} plus the bogus processing fee. And I still dont have my belongings. I filed the damages complaint already but am I hoping to find an attorney who will help. Get my belongings and am looking to be monetarily compensated for all the violations. 


So I have photo evidence of the unlawful paper work that was presented to me. 
As well as photo evidence of the damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: SC

Complaint narrative:
Hello good day I'm contacting you for your help I'm having problems with my resolution to my problems. I asked the credit bureaus to investigate and help with in accuracy on my report. They said they did the investigations but once I checked my report and I found more inaccurate information than every. I really need your assistance because they will not help me. I'm going this myself because I can't afford to get help because I'm XXXX and on a fixed income that's why I would like for you to please help me 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 2024-03-25 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: SC

Complaint narrative:
Hello good day I'm contacting you for your help I'm having problems with my resolution to my problems. I asked the credit bureaus to investigate and help with in accuracy on my report. They said they did the investigations but once I checked my report and I found more inaccurate information than every. I really need your assistance because they will not help me. I'm going this myself because I can't afford to get help because I'm XXXX and on a fixed income that's why I would like for you to please help me thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 Account Number:XXXX Account Name : 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 has violated my rights. Or a 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 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
company advertised a rate as low as 4.67 %. For a low XXXX and high credit score customer, I received a rate of 7 %. When digging in further and asking for more information, it appears that the advertised rate is not available. The rate remains on the site today under the lease buyout header.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions to take place in my account after I had everything put in place due to identity theft, to prevent this -- specifically accounts were deactivated and disabled. ( 86 ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. 

As Follows- In Order : -- XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX. {$98.00} Purchase- {$35.00} -- XXXX OD Account Transferred to XXXX. - {$400.00} -- XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX {$98.00}. - {$35.00} -- - XX/XX/XXXX Overdraft Fee for a Transaction Posted on XX/XX/XXXX {$98.00} Purchase. - {$35.00} -- XXXX Provisional Credit for Claims Ref- XXXX XXXX {$98.00} -- XXXX -- - ACH Claim # XXXX. - {$650.00} -- - XX/XX/XXXX -- XXXX to XXXX XXXX XXXX on XX/XX/XXXX. - {$10.00} -- XXXX -- XXXX to XXXX on XX/XX/XXXX - {$120.00} -- XXXX -- - Non-WF ATM Balance Inquiry FeXXXX on XX/XX/XXXX. - {$2.00} -- XXXX -- - Non WF ATM Withdrawal Authorized on XX/XX/XXXX. - {$200.00} -- XXXX -- - Non WF ATM Transaction Fee. - {$2.00} -- XXXX -- - Money Transfer authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} -- XXXX -- -Purchase Authorized on XX/XX/XXXX XXXX XXXX. - {$40.00} -- XXXX -- - XXXXurchase authorized on XX/XX/XXXX XXXX XXXX. - {$23.00}

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 monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Details of the accounts are as follows : XXXX XXXX XXXX XXXX Account Number : 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 2024-03-25 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2024-03-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX XXXX XXXX there was a fraudulent American Express account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year.

When I contacted American Express to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to American Express they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
i purchased a XXXX laptop from XXXX using my cash app. I was charged twice for the XXXX purchase. the first charge i paid myself.. the second time i was charged for the same purchase my cash app WAS LOCKED and money should not have been able to be moved out of the account. I have digital copies i can send of these transactions and denial of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-25 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: FL

Complaint narrative:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, Experian and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than XXXX business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.

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