vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
ctyptotopools.com is a XXXX XXXX not be fooled by this platform. You will increase your funds rapidly so it looks legit. I invested {$82000.00} and turned it into a large sum of money. When I went to cash it out, they hit me with a 5 % service fee. None of these payments will come off of the money you have earned. You have to deposit ETH to pay for it. The federal government needs to shut the site down. The site has frozen my account. Now I can not get in touch with Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NY

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 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: WI

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 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: WI

Complaint narrative:
In XXXX of this year, I received an email saying there was a change in my credit report. I logged into my account to find that Experian reported that our bank flagged our mortgage 180 days past due. I immediately contacted my bank and was told that this was not true as weve never missed a mortgage payment and that the issue is with how Experian is reporting it. As a result, my credit score decreased XXXX points. Fast forward a few weeks and Experian again flagged our account as XXXX past due, which to this date has been dinged on my credit report XXXX, all of which arent true. I was given my points back, but then later XXXX points were deducted from my credit score, that of which have not been given back and Ive actually had more subtracted since this time. I opened a dispute with Experian and they didnt resolve the issue. I opened another dispute and again nothing has been resolved, nor have I had any follow-up. My bank told me last week that everything should have been fixed, but after logging in, nothing has changed and everything still looks the same. This has been an ongoing issue for almost 2 months and mine and my husbands credit reports have been essentially ruined by inaccurate reporting and Experians unwillingness to resolve this issue in a timely manner. I want our accounts to be returned to what they were before Experian inaccurately reported this information because again, weve never missed a mortgage payment, but are being negatively impacted as a result of 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 explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I called the Wells Fargo XXXX customer sevice number this am to check on my latest debit card withdrawal because it was not showing up online or in the automated system. The customer service representative told me my checking account had been overdrawn by {$700.00} dollars. This is a lie. She said I could talk to her supervisor., but it's on record and there is nothing I can do about it.Again, This is a lie even though it is on record.

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 2023-10-11 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-10-11 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: Experian Information Solutions Inc.
State: IL

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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/2023, I bought a {$100.00} Vanilla gift card from XXXX with the intention of giving it as a gift. However, the intended recipient informed me that they couldn't activate the card. They reached out to customer service, only to be informed that the card was invalid. 

On XX/XX/XXXX, I contacted the company regarding this issue, and they instructed me to provide proof of purchase, as well as images of both the front and back of the card, along with a copy of my driver 's license. They furnished me with the incident number XXXXI promptly submitted all the requested information. I made multiple follow-up calls, but received no updates on the status of my case. 

Now, more than 30 days have passed since the initial contact, and I am seeking a refund of both the purchase amount and the activation fee. It's clear that my funds have essentially been withheld, and it appears they are unwilling to address this situation appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted complaint XXXX on XX/XX/ and still have not received a response from the company. Ive reached out to XXXX XXXX at ( XXXX ) XXXX ext XXXX and never receive an answer or a callback despite leaving several voicemails. She also never responds to the email XXXX since sending the email acknowledging my dispute on XXXX XXXX XXXX  I called prepaid services and they told me that the response was sent to the wrong address, which was the basis of my initial complaint and the reason for claims XXXX and XXXX in the amount of {$15.00}, XXXX. They were supposedly resending to my proper address, but I have yet to receive it or the requested documentation used for the denial or any of my statements. Case XXXX should be reopened because its clear fraud occurred and that the bank is still erroneously sending my information to the XXXX XXXX XXXX XXXX address. The guy living there now luckily had not thrown it away and I was able to get photos of the letter and completely disagree with the decision. Please, credit my account for the disputed funds or I will be seeking remedy through civil court. This is my final attempt to resolve this issue outside of court. And please stop sending my account and personal information to an address not associated with my account or my unemployment claim in any way!

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 2023-10-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have closed XXXX XXXX XXXX with Ally Bank ( XXXX XXXX  ) for the amount of {$98000.00} each plus interest on XX/XX/2023 with this bank which I had an external checking accounts stablished for years ( XXXX XXXX XXXX ) After closing directed the Bank to transfer the fund to my established act at XXXX they informed me that will take XXXX bossiness days that was odd because other transfer between accounts usually is couple of days but anyway I never received the funds within XXXX business days so after many calls they informed me that they sent the funds to a wrong accounts and that takes XXXX business days to get it back and another XXXX business I will get our money I need the money for my XXXX I am a senior and afraid that they are playing game is there anyway your agency can get involve and assure that we receive our retirement funds. 
Truly appreciate your efforts, Regards 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAC Financial Corp
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, I got admitted to this hospital in XXXX XXXX XXXX billed was {$16000.00}. I have provided my insurance card and my ID card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. The hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money. CAC FINANCIAL Corp. reported that I owe {$16000.00} to the credit beurea, it really took a hit in my credit report. I have contacted around XXXX XXXX and spoke to XXXX they said they transfer it over to XXXX XXXX. Called again on XX/XX/XXXX because on my credit report CAC Financial Corp is the one that reported it. Called CAC Financial, Spoke to XXXX, and explained the situation and Im willing to provide my insurance information, so they can collect the balance from my insurance. His response its more than 50 days the insurance will not pay for it. But I provided my insurance at the hospital. Its their mistake they didnt file the claim. XXXX said XXXX the XXXX will contact me shortly to discuss but never recieve a phone call from her. So my wife called following morning to speak to her. XXXX picked up and says to my wife, he cant discuss the account to my wife. My wife handed me the phone and I told XXXX, he can talk to my wife and discuss anything about my account. XXXX responds I need a written letter saying I authorized my wife to discuss about my account and he hung up the phone. I called right back, woman pick up the phone name XXXX, Asked for my name, before I even say anything she said I need a written letter before my wife can speak to them. Im calling for myself. This is Company is ridiculous. Even hospitals dont asks for written authorization to discuss health issues as long as I told them, they can discussed it with my wife and approved it, Even if its over the phone! I just wan na resolved this issues. They are making it so difficult and stressful. I have insurance, but they didnt send the claim and now expect me to pay {$16000.00}. How can I pay when I wasnt able to work and took me a year to recover. This really messed up my credit.

Company response to consumer: Closed with explanation