vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

Porsche Financial SRVC, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
I submitted a dispute in regards to inaccurate information 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Transuninon, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-05-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have wells Fargo Business checking account. I have written a check of {$1300.00} to XXXX XXXX on XXXX XX/XX/XXXX. Check was deposited on XX/XX/XXXX and reversed on XXXX XX/XX/XXXX. I called Wells Fargo last week to talk about this check... I was told that nothing like this happened. Today XXXX XXXX called me and told that check is rejected and she end up paying {$12.00} as check return charges to her bank ( XXXX XXXX XXXX XXXX. I called Wells Fargo today also at around XXXX XXXX... talked to XXXX... she told me it is rejected but why - she has no answer. 
Please refer the images... Wells Fargo is telling that it's some kind of forgery ... why Wells fargo didn't reached out to me if there was any issue? Moreover I have made the exact same payment to another person. It's embarrassing to see your business reputation ruined by such a shady bank like Wells Fargo. Can't accept this.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXXXXXX XXXX. I was XXXX at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXXXXXX XXXX. I was XXXX at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.

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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2022 I received a notification that the phone number on my chime spending account had been changed. I immediately called chime customer service number and explained it was not me who changed the number. While on the phone I requested my remaining funds be transferred to another bank account to keep them safe and I requested for my account to be closed. The associate agreed that this would be the safest option to protect my funds and he reassured my that there would be no issue. A week passes and the funds never show in my other account. I reached out to chime and they said that the account had been suspended due to unusual activity and for it to be unlocked I needed to send them verification from my other bank as well as other personal documents. I have done all of this and my account is still suspended and I do not have my funds. I would just like my money and the peace of mind knowing that the account has been closed. 

Chime reached out to me after my previous complaint and stated " On XX/XX/2022, we contacted you requesting a listed of documentation needed to have the account reenabled. The list has provided below for your reference : Your primary government-issued photo ID ( such as a Drivers License or State ID card ) OR Secondary ID ( Social Security Card or Student ID ) For security purposes, please also provide a photo of yourself holding your ID document ( selfie ) and a piece of paper with your name and today 's date written on it. Please feel free to contact Chime Member Services via email at support@chime.com if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' The next day I sent the the required documents to the email address listed and the account is still not unlocked and I still do not have my money. I want the account to be closed and money to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit inquiry made on XX/XX/2020 from XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Credit inquiry made on XX/XX/2020 from XXXX XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Verified my social security number numerous times with Transunion and they have yet to remove these inquires. 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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered that there was Unauthorized charges done on my debit card and with drawls that were done, that I had not taken out. On line XXXX purchases in the amounts of {$31.00} that were made on XXXX/XXXX and lots more that were charged on my debit card. XXXX for the amount of {$200.00}. And more from there that I did not make. ATM withdrawals from XXXX in the amount of {$400.00} at a time that I did not make, on XX/XX/XXXX. And alot more of those that I did not make. I need help getting my money back. I filed a dispute on XX/XX/XXXX. However XXXX  XXXX  refuse to help do proper investigation. They said they denied my case because of PIN number being known. XXXX pills the dispute case and they still continue to deny, my case because whoever had all my information including my pin. I asked if I can see pictures of person who Withdraw money from ATM, but they refused to give me those pictures and just deny my case. Ive also given proof of me working my schedule And ask them if they could see if the transactions were made during some of the times that I was working to prove that I can be at two places at XXXX time they still denied my case. They want me to Re-appeal the case again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: CA

Complaint narrative:
On XX/XX/XXXX I received XXXX emails in a row from my banking institution, Wells Fargo that my card declined two attempted purchases due to insufficient funds in my checking account. This checking account is linked to my debit, but my debit is still physically with me so I suspect just my card info and pin had been stolen. 

I check my Wells Fargo account the same day only to realize that there had already been two unauthorized transactions that had gone and ones I had never made myself. The unauthorized transactions allowed by Wells Fargo were : XX/XX/XXXX - Purchase XXXX  XXXX  XXXX XXXX  XXXX for {$200.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} Upon realizing this, I immediately called Wells Fargo 's customer service line to which they shut down my old debit card and are working on sending me a new one. They also froze my XXXX XXXX which was linked to my previous debit card and helped me file a claim on my behalf. I am now reaching out to the CFPB since I am concerned that Wells Fargo will not do much to return the money that was stolen from me. Additionally, since the purchases are not linked to any known companies I also was unsure of who to even reach out to. 

So far, I have checked my other debit and credit card with another banking institution to double-check those were alright ( they are ) and am considering opening an account with another banking institution to prevent this from ever happening again. This is the first time money has been stolen like this from me. Currently, I am awaiting my new debit card from Wells Fargo and any further updates on the claim I filed with them.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We have sent dispute letters beginning XXXX XXXX. We sent registered letters to XXXX and Experian credit bureaus. Within thirty days the credit bureaus are supposed to report that the account is disputed. Secondly the incorrect information, The date last active is documented on the copy of the credit report I provided.

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 2022-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute in regards to inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
I submitted a dispute in regards to inaccurate information 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 non-monetary relief
Consumer complaint received 2022-05-24 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: U.S. BANCORP
State: PA

Complaint narrative:
XXXX XXXX credit file inquiry by US Bank was not initiated by myself. 

On XX/XX/2022 received a credit alert that my credit file was disclosed. 
To : US Bank XXXX XXXX XXXX XXXX XXXX, MN 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-05-24 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: AL

Complaint narrative:
The Credit Bureau stated my account was properly investigated but how is that possible if the date opens inaccurate, the date last active is inaccurate, account type inaccurate, payment status inaccurate, and date last reported inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 a. States i have the rights to privacy 15 U.S.C 1681 Section 604 a Section 2. States a consumer report can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My father passed away in 2018. He had a XXXX  Checking account with TCF. Recently my mother received a letter addressed to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX letting them know that TCF has become Huntington. Mom was just placed in XXXX XXXX XXXX XXXX and is under hospice care. I went to the local Huntington branch with my fathers death certificate and my mothers XXXXXXXX XXXX XXXX  to close out the account which is approximately {$2100.00}. They informed me that the money would have to go through probate because they didnt show my mom on the account. I contacted Huntingtons main office and was transferred to their probate unit. Their only advice was to contact an attorney because they didnt know Minnesota law. What are my opinions at this point? I thought a husbands property transferred to his spouse without having to go through probate in Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This company continues to report inaccurate information again and again ...... I have received more headaches dealing with XXXX XXXX bank then any other bank.

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 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
According to my records there was no reason for repossession of this vehicle. The payments were up to date and the vehicle was in good standing. I have repeatedly tried to figure out why this repossession is appearing on my credit. I have tried to talk to several representatives and have information sent to me about this particular case to compare it to my records. Representatives from this company have failed to send the documentation for review of this account. I am requesting all records dealing with this account and for them to be sent within an appropriate time frame as per the fair credit reporting act. Once I receive the documents I can get back with you and get this issue resolved. I am also requesting the wet signature that was used to apply this account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Charge on statement for transaction dated XX/XX/XXXX posting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX REF # XXXX ACCT # ENDING XXXX ( {$210.00} charge ) XX/XX/XXXX - called BOA fraud department to report unknown/unauthorized charge listed above. Was told by agent that it was an online purchase, my card was cancelled, new account issued, and temporary credit issued. 

XX/XX/XXXX - received letter stating, " We're happy to let you know a credit ( s ) has been placed on your account that includes any interest charges and fees that you were charged. You don't have to do anything on your end -you 'll see the credit ( s ) on your monthly statement. We appreciate your patience and are happy we could resolve this for you. '' XX/XX/XXXX - received letter stating credit was reversed and " the merchant provided documentation confirming you received the merchandise or service. '' Upon calling BOA fraud department, I was told that after investigation, this was a physical purchase, and another request for investigation was done with the same end result. This was in no way a physical purchase as I never lost my card, the charger is not a physical merchant after conducting my own research. 

I was told the only option I had was to call this charger myself. I was given XXXX to call and after calling a total of 15 times between XXXX, each time only a voicemail stating the company was " on holiday '' was received. No voicemail option nor human interaction. 

I tried calling BOA fraud department multiple times on XX/XX/XXXX and got disconnected each time so I felt I have no choice but to file a claim with CFPB. 

In closing ; this is an unauthorized charge, and I am in need of this to be taken off of my account immedietly. 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