vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I will be attaching a screen shot of the unauthorized transactions that were made on my chime account to the certain merchant. There were first two transactions made that i right away disputed as i didnt recognize them as me doing them. Yet they denied my dispute claim and gave me some XXXX excuse as to why. I just gave up on appealing it so i moved on. A few days later again two other transactions to the same merchant were made on my account which i did not authorize. I again right away let chime know about it and how since they didnt handle or block the merchant since the first time i tokd them anout it now more money was stolen from me and they have the audacity to deny this second time also. Please help as this is alot of money for me to just let go like that. : ( I provided proof that someone else logged into my account from somewhere in XXXX XXXX, XXXX on both occasions when i live and was in XXXX XXXX. I have never been to XXXX XXXXXXXX XXXX  nor have any ties to that area at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violations of my Federally protected consumer rights.

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 2022-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-25 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: MS

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo 2007, Wells Fargo offered me line of credit loans and used my house as collateral. I was unable to make the payments and asked them to consolidate as it would have saved my house and my family, they denied me and I filed bankruptcy in 2007. I was raising my boys alone working at XXXX XXXXXXXX XXXX XXXX XXXX in XXXX  MI at the time. It ruined me life and to this day my credit is bad and I live with my mother. My bankruptcy lawyer XXXX XXXX in XXXX XXXX MI. I lost everything, one of my sons  went to live with his Dad at the time and I lost half my child support which made things even harder. Wells Fargo ended up getting my house.

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 2022-12-25 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: IL

Complaint narrative:
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my Federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violations of my Federally protected consumer rights.

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 2022-12-25 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent the companies many documents to tell them I was a victim of identity theft. They threw out that people can steal bank accounts and your social security number to open an account in your name. They stated that payments were made in my name. They said because payments were made through that account, that's why the information was correct. I got a paper from XXXX stating that the account that they are referencing to the account was open due to someone stealing my identity, and they closed down because due to suspicious activities. They took very long to respond to emails and stated they were investigating the XXXX  document when I gave them the document was validated. I stated that the document was strictly confidential, and they wanted to contact me to verify the document. I called a XXXX, and XXXX said they don't share confidential information about their customer. The lady XXXX took it into her own hands to say that she would review herself when I told her I wanted the company herself. XXXX stated in the document that the bank did not belong to me and someone used my account to commit fraud under my name. The company is not helpful. They want to put fingers at you, not that someone else opened this account under your name.

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 2022-12-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent the companies many documents to tell them I was a victim of identity theft. They threw out that people can steal bank accounts and your social security number to open an account in your name. They stated that payments were made in my name. They said because payments were made through that account, that's why the information was correct. I got a paper from XXXX stating that the account that they are referencing to the account was open due to someone stealing my identity, and they closed down because due to suspicious activities. They took very long to respond to emails and stated they were investigating the XXXX  document when I gave them the document was validated. I stated that the document was strictly confidential, and they wanted to contact me to verify the document. I called a XXXX, and XXXX said they don't share confidential information about their customer. The lady XXXX took it into her own hands to say that she would review herself when I told her I wanted the company herself. XXXX stated in the document that the bank did not belong to me and someone used my account to commit fraud under my name. The company is not helpful. They want to put fingers at you, not that someone else opened this account under your name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-25 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-12-25 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: FL

Complaint narrative:
I have reached out to the credit bureau Equifax for the following hard inquiries that are inaccurate on my credit file due to me being a victim of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax Mortgage Services. Even after contacting Equifax multiple times, and contacting the individual institutions that have made hard inquiries on my credit file by phone and letters several times, they keep responding that the inquiries are accurate and will remain on my report for 2 years. This is unacceptable, i am a victim of fraud and identity theft, I have attached a police report from my local law enforcement verifying my identity theft as a victim of XXXX XXXX XXXX continuously attempting to open lines of credit in my name. Please have these companies remove their hard inquiries from my Equifax credit report immediately before I take the next level of action. Thank you! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne has manipulated the XXXX XXXX  I check on a daily basis and what ever they can pull up negative in regards does not jive with my settle disputes one thing they pull a XXXX report then XXXX Report and since I have resolved and brought my scores up mysteriously they use a XXXX inaccurate XXXX  report Its Like There In Competion with XXXX XXXX attached are the XXXX there coming up now with XXXX there manipulating ways to get highrer interest rate rating me poorly as I never screwed them and paid my cards off and closed IF CLOSING MY ACCOUNTS DID NOT EFFECT MY SCORE I WOULD IN A HART BEAT these practices have to stop example I had credit limits of XXXX paid and closed as a punishment they give me a XXXX $ XXXX credit limit WHAT AM I SUPPOSED TO DO WITH THAT? I will not ask for a line increase as last time the pulled 3 hard inqiries in one day SEE INQUIRES AND PREVIOUS CFPB CASE Unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On my credit reports with XXXX and XXXX, JPMCB ( J.P. Morgan Chase Bank ) put false information on my credit report. According to JPMCB, I took a loan out with their company on XX/XX/XXXX under XXXX. Under XXXX, it notes I took a loan out with JPMCB on XX/XX/XXXX which is erroneous. 

I took out a loan for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX I never took out an original loan with JPMCB on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Back in XXXX of 2021, I bought a XXXXXXXX XXXX XXXX XXXXXXXX. I had to send it back twice within 2 months of receiving it at a cost of around {$10.00} shipping each time. Every time, XXXX told me it was my fault for one reason or another but they would repair it and send a new unit. 

After the second time, I told XXXX to keep the XXXX  and just refund my money. They did not, they sent it back broken. 

I filed a dispute with Citi and gave them the reasons. No where on their dispute site was I able to forward emails of the communications with XXXX. I did not know they asked for additional information until after the time limit had passed when I logged in to make a monthly payment. They also did not provide the merchants response or send my any kind of prior notification by US mail or email about needing more info. The only email I received was from XXXX where they showed the tracking number where XXXX had returned the amplified. 

On another instance, I had an issue with XXXX phone service. Not sure what happened but my equipment quit working and I had no dial tone. I did not know XXXX kept charging me monthly fees for service I did not have. Citi refunded all the monthly charges except one month for the same reasons but somehow needed more information about the one month. Again, I was not notified. 

This seems to be a pattern of negligence on Citi 's behalf. They are not protecting the financial interest of their customers. 

You can do whatever, but I will be suing citi and MasterCard over this. 

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 monetary relief
Consumer complaint received 2022-12-25 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XX/XX/2022 my credit card was charged 4 fraudulent charges : 1 XXXX XXXX  for - {$57.00} 2 XXXX XXXX - {$20.00} 3 XXXX XXXX for {$20.00} 4 XXXX charge for {$500.00} I reported it immediately to my Wells Fargo credit card and they investigated and decided that all the charges were fraudulent except the XXXX one. After many attempts of requesting information on their investigation to see how they came up with the conclusion that all the smaller charges were fraud and the large one was not. I have requested documents of their investigation and they refuse to provide it but yet expect me to just pay for it. It is absolutely frustrating, but then again its Wells Fargo and they feel thay can just get away with anything.

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