vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( TransUnion ) credit report. I recently retrieved my credit report and it showed ( 6 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX ( Inquiry Date : XX/XX/XXXX XXXX Date XX/XX/XXXX ) -XXXX  ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Remvoal Date : XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( XXXX, XXXX and TransUnion ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on 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 2023-06-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( XXXX, Experian and XXXX ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Chime Financial Inc
State: VA

Complaint narrative:
I made, a, complaint with y'all the, complaint is number XXXX they stated, to, you guys that they were still working on it but told me 2 days before this that no error occured see screenshot I have a lawyer through you guys as well I want it noted that they are lying and I want my money back now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I noticed in XX/XX/2023 that there are a ot of accounts on my credit report that I do not recognize. I was unsure of the proper way to handle this situation along with the correct steps to follow until now. I am a victim of identity theft and this needs to handled asap.

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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo barged several overdraft fees.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.

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 2023-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This complaint is in addition to complaint # XXXX Wells Fargo sent me a check for {$35.00} for most recent multi-billion dollar settlement stating the check was for 1 or more overdraft fees. I filed a complaint with CFPB reference # XXXX. 
After complaint was filed a representative from Wells Fargo called to try and arbitrarily work out a settlement as I stated that their was a much more substantial amount illegally overdrafts from accounts. The representative stated she only showed 1 account for me even though I have been a customer since XXXX The representative was harsh and unfair towards the consumer and said she would give me time to try and locate additional accounts. Well I have located additional accounts as well as proof of enrollment in overdraft protection so as to not be charged enormous fees Wells Fargo did not uphold the contract and allowed for numerous overdraft fees as well as closing of both savings and deposit accounts in which the IRS as well as XXXX checks were being deposited. Wells Fargo Never transferred the funds from closed accounts as well as opened line of credits on my behalf without extending credits to the consumer. This is unjust discrimination against Native Americans and should be required to reimburse all funds plus interest dating back to XXXX for mishandling of consumer funds and fraudulent activity. 

Accounts are as follows : # XXXX # XXXX # XXXX Account ending in # 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 2023-06-25 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: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, cXXXX 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 also inquiry on my credit summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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 2023-06-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have called the credit bureau and MAILED them My identity theft report and identification and they STILL hav e or removed the fraudulent accounts and address from my credit report as well as inquiries. So now I am filing an official complaint against them as they keep telling me they dont have the documents which I had expressed mailed to them TWICE. So now I will put them through here as by FCRA laws they are to removed and block these items. 
I will attach all letters as well as list the accounts. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: AR

Complaint narrative:
I have called the credit bureau and MAILED them My identity theft report and identification and they STILL hav e or removed the fraudulent accounts and address from my credit report as well as inquiries. So now I am filing an official complaint against them as they keep telling me they dont have the documents which I had expressed mailed to them TWICE. So now I will put them through here as by FCRA laws they are to removed and block these items. 
I will attach all letters as well as list the accounts. 
XXXX 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 2023-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
There are multiple unauthorized wire transactions from both my savings account and checkings account early XXXX. I got to know this on XX/XX/XXXX calling the customer service line because my online banking stopped working. There was one transaction went through that with an amount over XXXX thousands dollars. I immediately asked the bank to file a claim but the bank asked me to be in a local branch to deal with it. I am overseas and could not make it so I write a XXXX of Attorney with detailed information asking my relative to represent me to file the claim. I got the POA notarized at the local United States XXXX. However, the bank reject the POA just saying insufficient verbage. There is no other appointment available at the XXXX XXXX in near term and I can not return to the states soon. I made multiple calls already and none of the bankers helped.

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 2023-06-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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.

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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America closed my account for no reason at all out of the blue in 2021 with money in there I got no explanation or money back same thing happened with XXXX.and XXXX that account was fine until it struck negative while I wasnt working due to personal injury ( hit and injured in a XXXX car I was passenger in at the timeXXXX coles my account in less than 30 days .and also with the XXXX XXXX XXXX I followed the co law of habitability and it failed me.got me tossed aside I submitted a complaint with code enforcement they came did nothing even though they seen n documented it being there and the fact it had no windows and is on a second floor .none on second or third floor of that complex has windows

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 2023-06-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and there is an Aka that Ive never used on my report a child support charge off that Im confused about.

Also a few other incorrect information about me on there.

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 2023-06-25 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear Sir/Madam : I am a XXXX XXXX XXXX XXXX On XX/XX/, I purchased a roundtrip XXXX XXXX XXXX plane tickets for {$1400.00} from XXXX XXXX  to XXXX, XXXX and back via search engine called XXXX at XXXX : XXXX. I received the attached email confirmation from XXXX on the same day showing the {$1400.00} that I paid. However, later I saw a credit card charge in the amount of {$1400.00} on XX/XX/. I submitted a dispute online to my citibank costco visa credit card on the same date for the amount of {$40.00}, which is the difference between the amount I actually paid and was charged for. With the dispute, I submitted copy of the confirmation email I received on XX/XX/2023 from XXXX showing the {$1400.00}. However, on XX/XX/2023, I received a letter from the Citibank asking me to sign a letter confirming the disputed amount and mailing it to them. Citibank did not offer any faxing or emailing options. See the attached letter for details. I called Citibank on XX/XX/XXXX or XXXX explaining that I submitted digital copies of the confirmation letter and that I do not understand why I need to sign another letter and send it via mail. A customer service representative understood my issue and tried to be helpful by submitting additional information such as that I called confirming the amount and flagging the copy of the confirmation email with charged amount during the initial submission of the dispute. However, on XX/XX/2023, I received the attached letter from the Citibank stating that they were not able to resolve my issue and the charges will stay valid. I do not understand why Citibank continues to spend so much time to resolve a {$40.00} dispute which is costing it way more than that in labor hours and supply. It is also wasting my time. I am a great customer who brings a lot of business to the Citibank. I kindly request to refund {$40.00} in difference because I did not authorize the charge.

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 2023-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased 2 tickets for a XXXX XXXX concert for the amount of {$380.00}. The transaction took place on XX/XX/2023. When I didn't receive an email confirmation or any information on my tickets, I became suspicious. I looked up reviews on the company, XXXX XXXX XXXX XXXX, and saw review after review saying it's a scam and that PayPal is in on it. I wasn't worried about a scam because I had used PayPal to purchase the tickets and believed them to be trustworthy. I opened a dispute with PayPal and was denied because they said I received the tickets. I did not. When XXXX XXXXXXXX XXXX XXXX finally responded to me, they denied me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
This medical debt is from Charter Communications XXXX XXXX XXXX XXXX, CBE Group is the collections unit. I had to move during the recession of 2022 XXXX a couple days fast when I had covid back to my hometown and return their equipment. I did that, but they did not take their XXXX XXXX back. They said it had been rented and now it was mine to have to pay. They also said that they do not cover coverage as a Mobile Wireless carrier for XXXX  for the Phone I had from them to the area where I moved to in XXXX. I had no job, no income other than XXXX Social Security XXXX, and was highly upset they could not work with me via XXXX  side of things and repeatedly harassed and called me to pay them when I have asked them to remove me from contact. They have no right while I am not working to collect on any bill just by trying to use my only low income source of Social Security XXXX.

Company response to consumer: Closed with non-monetary relief