vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I NEVER HEARD BACK FROM EXPERIAN BUT XXXX AND XXXX BOTH DELETED THE TWO XXXX XXXX ACCOUNTS IN QUESTION. THIS BEEN SINCE XXXX THAT'S WAY TOO LONG NOW IT'S XXXX AND EXPERIAN NEEDS TO FOLLOW SUIT ALSO AND DELETE BOTH XXXX XXXX  ACCOUNTS I SHOWED MULTIPLE VIOLATION WHICH YOU CAN REFER TO IN THE PREVIOUS COMPLAINTS I THINK THEY OWE ME A FEW THOUSANDS BUT I RATER HAVE THE DELETIONS!

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: DISCOVER BANK
State: TX

Complaint narrative:
I pulled my report and noticed some fraudulent hard and soft inquires and i would like for them to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I pulled my report and noticed some fraudulent hard and soft inquires and i would like for them to be removed immediately

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 2024-09-05 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WV

Complaint narrative:
On the XXXX, i sent {$1300.00} through moneygram which was supposed to be received by recipients bank account in XXXX in XXXX. Money was never received so this prompted me to contact moneygram. 
On XXXXXXXX XXXX I contacted moneygram and they promised to have a resolution within 90 days. 
On XX/XX/ i received an email stating that an error occurred with the reference code and the amount was deposited on XXXX. But still then till now the money has not been deposited. I immediately contacted them and told them as well. 
On XXXX received an email from moneygram stating that my complaint is being reviewed by an analyst. I also sent them a copy of the recipients Bank statement to show that money had not yet been deposited. 
On XX/XX/ I received an email stating they have reached out to one of their locations to gather information related my complaints. 
On XX/XX/2024 I received an email that the investigation had been concluded and transaction was deposited to the bank account provided at the time of send, this was false. 
On XX/XX/2024 After several attempts to contact customer care, i got to the manager asking for proof of payment as evidence for that the investigation. As i have right to request to request the documents on which they relied in making their determination as Per " Remittance Transfer Rule of Regulation E,31 C.F.R.sec. 1005.33 ( d ) ''. 
On XXXX  I received an email stating i will receive the documents i requested for within 25-30 days. 
On XXXX  I received and email stating that they are unable to related to proof of payment document, i had requested. 
Even after all of this money has never been deposited. I have attached all the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Complaint Against Wells Fargo Unresolved ATM Withdrawal and Unauthorized Account Deduction Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding an unresolved issue involving an ATM withdrawal and a subsequent unauthorized deduction from my savings account. 

On XXXX XXXX XXXX while in XXXX XXXX XXXX I attempted to withdraw {$300.00} multiple times from a Wells Fargo ATM . Each attempt was declined, and I did not receive any cash. However, a few days later, my account showed that the withdrawal attempts had been processed, as if all the attempts went through. This resulted in a total deduction of {$910.00} from my account, even though I never received the funds. 

I filed a claim with Wells Fargo, and they initially refunded the amount. However, a few months later, Wells Fargo reversed the refund, stating it was not an unauthorized transaction but an ATM claim. This forced me to start the process all over again. Eventually, I received the {$910.00} credit back, but I was asked to provide a receipt for the declined ATM transactions, which I could not provide since the ATM never processed the withdrawal. When I contacted a customer service representative to follow up, I was told it was a system error and to disregard the request, so I believed the issue was resolved. 

Unfortunately, XXXX weeks ago, in XX/XX/year>, Wells Fargo deducted {$610.00} from my savings account without explanation, just as my direct deposit hit my checking account. This deduction occurred despite the issue being closed months earlier. I contacted Wells Fargo to resolve the issue, but they informed me that their back office had determined the claim was not in my favor. Despite numerous requests, they have failed to provide any evidence or explanation for their decision. I have repeatedly asked for a call back from a manager or supervisor, but no one has responded. 

This ongoing issue has been extremely frustrating, and I have had to constantly follow up with Wells Fargo to get any updates. It is unacceptable that they have taken money from my account without providing clear evidence or explanations. I believe Wells Fargos practices in handling this matter have been negligent and potentially deceptive. 

I kindly request that the CFPB investigate this matter and assist me in recovering the {$610.00} that was wrongfully taken from my account. 

Thank you for your attention to this issue. I look forward to your assistance in resolving this matter. 

Sincerely, 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 2024-09-05 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: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}

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 2024-09-05 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: IA

Complaint narrative:
Consumer Name : [ XXXX XXXX ] Consumer Social Security Number : [ XXXX ] Consumer Date of Birth : [ XXXX ] Contents of Complaint : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, as a credit reporting agency, block certain information from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question is a result of identity theft and fraud. Specifically, I am requesting the removal of the following fraudulent entries : Auto Loan With XXXX XXXX XXXX XXXXXXXX XXXX Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Telecommunications/Cellular Account With XXXX XXXX XXXX Opened On : XX/XX/XXXXXXXX  * Account Number : [ XXXX ] These fraudulent accounts have also resulted in several hard inquiries and collections entries on my credit report, which are also a result of identity theft. 
Supporting Documentation : * A copy of the FTC Identity Theft Affidavit : [ FTC Identity Theft Criminal Complaint # ( XXXXXXXX XXXX XXXX A copy of my FICO credit report showing the fraudulent entries I do not recognize these accounts, collections, or hard inquiries, and I did not open, authorize, or initiate them. They are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have Contact the credit bureau multiple times about my credit card hard inquiries and unauthorized. I sent letters to the credit bureau explaining that I have had Hard inquiries pull on my credit without my knowledge. I tried to dispute but have not been successful.decreased my score 64. I also have accounts on my credit that have been over the period of time by law ( 15 U.S C those accounts was eligible for dispute and cleared

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-09-05 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: IA

Complaint narrative:
Consumer Name : [ XXXX XXXX ] Consumer Social Security Number : [ XXXX ] Consumer Date of Birth : [ XXXX ] Contents of Complaint : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Equifax , as a credit reporting agency, block certain information from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question is a result of identity theft and fraud. Specifically, I am requesting the removal of the following fraudulent entries : Auto Loan With XXXX XXXX XXXX XXXX * Opened On : XX/XX/XXXX * Account Number : [ XXXX ] Telecommunications/Cellular Account With XXXX XXXX XXXX XXXX On : XX/XX/XXXX * Account Number : [ XXXX ] These fraudulent accounts have also resulted in several hard inquiries and collections entries on my credit report, which are also a result of identity theft. 
Supporting Documentation : * A copy of the FTC Identity Theft Affidavit : [ FTC Identity Theft Criminal Complaint # ( XXXX ) * A copy of my XXXX credit report showing the fraudulent entries I do not recognize these accounts, collections, or hard inquiries, and I did not open, authorize, or initiate them. They are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, NM, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, 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 2024-09-05 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



1. XXXX  - XXXX 2. XXXX XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX  - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation