vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX. on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX/XXXX  on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX on XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account US DIST CT on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a Lowes XXXX Account through Synchrony. All was fine for several years but this year they just stopped sending my statements, which is their legal obligation as a lender. So without knowing what was owed, or what the purchases, I wasn't given the ability to make payment. So then the late fees come in, and the high interest charged each month. They would call and ask for some sort of payment on the phone and i told them sure, send me the payment so i know what its for! And they never did so. Then they close my account and hit my credit score!

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
UDAP Violation Captial One claims to protect their customers against fraud but when presented with a fraudulent transaction, Capital One denied the claim and failed to follow through. Capital one uses deceptive marketing practices to gain customers and then fails to provide the service. They are discriminating against the financially challenged and don't care about their customers. This fraud incident impacted my wife and wife 's bank as well but Capital One is only one that denied the fraud claim of {$300.00}. The merchent never provided a product. We discovered it within 24 hours of the transaction and quickly filed a dispute with Captial One. 9 days later, Capital One denied this fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have filed for unathorize dispute with my account as we were overseas and have noticed charges from XXXX XXXX and XXXX without my knowledge as I had no means of checking transactions due to poor internet connection in the rural province of where we were. I have filed the follwing claims : 1. XXXX 2. XXXX Before the 10th or 30 day investigation period it was automatically closed and have asked for report but they were unable to send anything and instead just the typical note saying they did not suspect fraud due to the fact the account was being checked online and its valid. I have filed a complaint to XXXX  as well and they kept sending the same letter and all I want is for them to investigate as I never did made any transaction with XXXX XXXX or XXXX. A big amount have been stolen from my account and I have also been contacted by Police Officer in Hawaii but nothing was done to resolve it. I was told the case have been sent to them but they did not do anything as they said the charge was done online. How are they to claim fraud protection when they are letting the fraudsters get away with taking money from consumers account and the bank does not do anything to investigate and instead of helping the consumer they just assume on a basis that is not favorable for the account holder. I just want my money back and have them investigate as I have been unable to get far with XXXX XXXX and XXXX as I did not know any reference numbers and nothing in my name was showing up in there system. I was told to dispute with the card issuer but how am I suppose to do that when they are not willing to help me get my money back and do an investigation. 

When the account closed. They have sent the check to my old mailing address and have asked for it to be resent and they have refused noting I need to step in the branch when I am living overseas for work particularly in XXXX and there is no branch. I have asked to have the check sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV 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 2024-10-23 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:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6700.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-23 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: NJ

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 2024-10-23 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-23 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-23 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-10-23 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: LEXISNEXIS
State: MN

Complaint narrative:
Attached is a letter of proof I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Theres records on my Lexis Nexis Risk Solutions Consumer Report thats inaccurate, fraudulent and not my information or records. All the identification, address characteristic, online marketing, bankruptcy, insurance policy, automobile insurance claim, driver license and inquiry records from XX/XX/XXXX to XX/XX/XXXX is inaccurate and fraudulent records and information thats not my information or records. Any records Lexis Nexis currently has on my consumer report from XX/XX/XXXX to XX/XX/XXXX isnt my records and I want Lexis Nexis to immediately delete and remove those inaccurate and fraudulent records and information from my Lexis Nexis Consumer Report. Theres a public record on my XXXX, XXXX and XXXX XXXX credit report showing I have a current bankruptcy of XXXX XXXX on my XXXX, XXXX and XXXX XXXX credit report. XXXX, XXXX and XXXX XXXX received the public records information of my bankruptcy from Lexis Nexis. I want Lexis Nexis to immediately delete and remove the public records of bankruptcy from my consumer report and send notification to XXXX and XXXX to have the public records of bankruptcy immediately deleted and removed from my XXXX and XXXX credit report. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
I sent by Remitly three international transfers from XXXX to XXXX : XXXX ( XXXX XX/XX/2024 ) - XXXX XXXX ( XXXX XX/XX/2024 ) - XXXX XXXX ( XXXX XX/XX/2024 ) - XXXX Those three transfer didnt arrive on the promised date by Remitly , so I ask them to cancel it and refund the money on XXXX XX/XX/2024. 

Since then, the cancellation of the three transfer hasnt been done yet and I didnt receive my money back, and when I ask to Remitly they only give me confuse and contradictory information. Sometimes they say me the money its in the bank in XXXX, sometimes they say me the money is with their partner Transfer to and Remitly always says they are sending emails but they never receive an answer, so its like I have to resign myself and wait indefinitely until they want to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I issued a bill payment to my XXXXXXXX XXXX  saving account out of my Fifth Third business checking account. 
Fifth Third issued a check to XXXX and it posted on XX/XX/year> check # XXXX amount {$1200.00} On XX/XX/year> XXXXXXXX XXXX  sent me a letter that my check was being returned unpaid because the issuing bank was unable to locate the account. They debited the check out of my XXXX savings account and returned a legal copy of the check back to me. 
I went to Fifth Third Bank 's XXXX branch and tried to deposit the check back into my business checking account on XX/XX/year>, but instead they debited it out of my account again. 
Fifth Third instructed me to submit a fraud packet providing all the information which I did on XX/XX/year> case # XXXX. 
Fifth Third sent me a letter dated XX/XX/year> that my check dispute has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-23 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: IA

Complaint narrative:
On XX/XX/XXXX, I applied for a loan through XXXXXXXX XXXX and I was denied and Equifax had sent XXXX. My credit score saying it was at XXXX. I have credit monitoring and mine says XXXX as of XX/XX/XXXX. So Equifax got me denied credit. I would like to know which one is the correct score and if thats the case, thats ridiculous. I am being denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

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 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 2024-10-23 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I attempted to dispute credit card charges through USAA for charges made and I did not receive the service I was paying for. They chose to not believe me and still charges for this. They claimed they were valid charges even though I did not receive what I paid for. They requested documentation that doesnt exist. I can not prove whether I received what I paid for or not as it was a digital purchase. Ive been a member for a long time and this was my final straw. All Charges my account from XX/XX/year> to XX/XX/year> are essentially fraudulent charges as I received nothing and was charged for it.

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