vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" Dear XXXX XXXX : Thank you for requesting your XXXX credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you XXXX Initiate an investigation request via the Internet XXXX hours a day, 7 days a week at : https : //www.equifax.com/personal/credit-report-services/credit-dispute/ Please mail the dispute information to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Call us at XXXX Please note, when you provide documents, including a letter, to XXXX as XXXX of your dispute, the documents may be submitted to one or more companies whose information are the subject of your dispute.

You have the right to request and obtain a copy of your credit score. To obtain a copy of your credit score, please call our automated ordering system at : 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 2024-04-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-04-19 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: EQUIFAX, INC.
State: CA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request that these inquiries be removed. I am not informed about them, and the company acted without my permission.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I never had an account with the company on my credit report, but they are reporting that they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: MO

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Somebody tried to open a credit card in my name that I did not authorize for JPMCB. This is the second time in almost two years that Ive had this happen with the same company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX we encountered wire fraud with our bank account. We contacted Wells Fargo on XX/XX/XXXX informing them fraud was occurring with our account. Wells Fargo acknowledged the fraud and recalled two wires that were initiated on our account on XX/XX/XXXX in addition to 'freezing ' our account. Wells Fargo had knowledge on this date that fraud was occurring on our account. 

On XX/XX/XXXX we went into the Wells Fargo branch in XXXX, XXXX  and completed the visual verification as requested from a previous conversation with a Wells Fargo employee. The branch manager confirmed for us wires had been stopped and that our account had been 'frozen ' to ensure no further fraud would occur. On XX/XX/XXXX Wells Fargo allowed another wire to occur with our account after we had been told our account was 'frozen ' and it was confirmed by the branch manager in XXXX that no pending wires were present on our account. 

Documentation has been requested on numerous occasions from Wells Fargo in regards to the following : 1 ) Call dates/times for the period of XX/XX/XXXX - XX/XX/XXXX in which we communicated with Wells Fargo on the fraud occurring. 

2 ) Text dates/times in which Wells Fargo communicated with us showing when wires were initiated. We were provided information on the wires for XX/XX/XXXX but Wells Fargo has withheld information on the XX/XX/XXXX wire. 

XXXX ) Account documentation reflecting the account being frozen and the date & time in which this occurred. 

This information has been requested previously on the following dates : 1 ) XX/XX/XXXX in the XXXX branch requested with the branch manager. 

2 ) XX/XX/XXXX in the XXXX branch requested in a phone conversation with XXXX & also with the Regional Executive. 

3 ) XX/XX/XXXX - with the Executive Complaints Office employee XXXX, some documentation was provided by XXXX to us but only for the XX/XX/XXXX text dates. 

No further documentation has been shared with us to support Wells Fargo allowing a wire to occur from a 'frozen " bank account. Additional documentation is available from us to support our calls, branch visits and emails with staff at Wells Fargo. 

We have requested in person review of the documents to help us in understanding why Wells Fargo acted in a manner of flagrant disregard, lacking in consumer protection and privacy processes by allowing fraud to continue on our account.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

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 2024-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After going through my credit profile I realized there were some inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-19 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Sigue Corp.
State: TN

Complaint narrative:
I bought a money order in the last year & gave it to my friend. She deposited & its bounced due to the Sigue money transfer closed their account. We emailed & called many times. But theres no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Date of the incident : XX/XX/2024 Charges on my Debit card : XXXX. {$4000.00} on XX/XX/2024 at XXXX ( did NOT authorized transaction ) XXXX. {$4000.00} on XX/XX/2024 at XXXX ( did NOT authorized transaction ) XXXX. {$220.00} on XX/XX/2024- which Wells Fargo claims that was authorized XXXX - This transaction I do recognized but I do not for that date that wells Fargo XXXX saying the debit card was inserted chip approval because I was not there at this place on a XXXX XXXX XXXX 

on XXXX XXXX XXXX I was at a bar in the XXXX XXXX XXXX witch appeared in my statement as XXXX corporation out of the XXXX transactions I do recognized number XXXX for {$220.00}. 

Wells Fargo XXXX # XXXX I had my wallet in my position at the time the {$220.00} happened but as I stated to the wells Fargo representative I lost my wallet that night and I checked my account the next morning I saw those XXXX charges for XXXX each. 

Well Fargo is trying to denied the claim by saying that I authorize those transaction when I sent proof from XXXX the manufacture of my phone that there was no text to me phone or email asking me to acknowledge these transactions for XXXX. 

A XXXX representative access phone to look for Well Fargo notification on my phone as you see on the documents that were uploaded. 

I need help PLEASE

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 2024-04-19 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:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in regards to the reporting, inaccurate amount and dates are being reported.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
FCRA 605B might be the one that says we should take out any wrong accounts from my credit report. Could you check the papers, please? Some accounts listed have wrong reporting, including amounts and dates.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
Trying to use this company I have been representing this company for years as a USD currency processor. When I first started my business, I entrusted this company to handle the payments and sensitive account information of my customers. I am too XXXX to keep up with that licensing requirements. I had a XXXX  and was unable to run my business for some time. As soon as I am well again and able, I get a deal that would make my past decades and now my suppliers can not get paid, my big order is going unfulfilled for days now and my customer upset. Square are now holding my company 's money hostage. They refuse to release the funds as promised. The are not in agreement with me or our contractual obligations I signed off years ago. Whatever new laws or new systems I am not privy to and they have discriminated against me and my company for my XXXX. I was promised over 4 days ago the release of my funds from there holdings. I was already verified days ago and only partial release was accepted. After I called the company to complain about this going against their policy of their daily transfer limit the foreign representative flagged my account and zeroed it out. I was in complete and under shock. Now in order to gain access to my now frozen account to continue my business as usual I have to opt into the program of another company that I do not know, don't trust or have a contract with. Then I have to give this new company access to my phone, personal identity and other information or Square will refuse me further my customer their money and my business complete shambles and ruin. This is beyond agism and discrimination for learning and sight XXXX on this companies behalf to a customer for a few years now. 

Not to mention this company has been holding over {$60.00} of my funds hostage for years now and I just found out. I have set up this automatic transfer for account with them years ago. I created my business online bank account for Square years ago and they even years ago withheld funds from me. It took me years to gain access back to this account to realize all of this for a big order I just got. Square really tries to rob you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, Citi located XXXX XXXX XXXX, XXXX XXXX, SD XXXX denied my application for a XXXX XXXX XXXX XXXX XXXX XXXX. The reasons stated : " Too many recent credit inquiries were recorded on your credit bureau 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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$7100.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$200.00}. 
XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$9000.00}. 
XXXX XXXX, stated account 30 days late this account paid in full XXXX of XXXX. balance is {$0.00}. 
XXXX, stated last reported XX/XX/XXXX, status is derogatory this account doesn't belong to me balance is {$12000.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX, status is open this account doesn't belong to me balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: CA

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