vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-19 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: IL

Complaint narrative:
I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please find the attached documents. I request the bureau to launch an investigation into these accounts, as I have never been late, yet they are inaccurately reporting me as such.

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 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I XXXX XXXX Currently have some are fraudulent accounts appearing on my credit reports.

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 2023-12-19 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-12-19 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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-19 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A purchase was made at XXXX in XXXX, Va on XXXX XXXX for {$260.00}. The purchase was made using my credit card number. I did not make this purchase. I have talk with the fraud division of Wells Fargo Visa card. The first time on XX/XX/XXXX and filed a complaint. It was rejected on XX/XX/XXXX. I made a second complaint on XX/XX/XXXX in writing. And included the information from XXXX fraud division, that they had no record of this transaction on that date by my card for that amount. Wells Fargo again rejected my claim on XXXXXXXX XXXX.I have all the necessary paper work and have given it to Wells Fargo Fraud.This card was cancelled and I was issued on new card

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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A scammer cloned a bank of america phone number on XX/XX/923 XXXX  from XXXX saying someone was trying to make a unauthorized wire transfer for {$24.00}, XXXX they walked me through it on the bank of america app saying I had to send a XXXX XXXX  the account case Manger a wire. They told me not to log into my account for XXXX hrs. 

XX/XX/XXXX I did anyway and saw that money was withdrawn. I then called bank of america on their number on the back of my card XXXX. They said it was not them that I had spoken to earlier and assured me that my money would not go to XXXX XXXX.That a wire takes XXXX hours to process amd I would get money back in a couple of days. This was a general person I spoke to them they transfered me to fraud and they told me the same thing. XXXX filed the claim XXXX at XXXX am I called boa to shut down my frozen account, I was still told the wire was frozen. 

XX/XX/XXXX called the fraud dwpt spoke to XXXX  then to XXXX  they told me the funds went to XXXX  and I may or may not get my money back. That I also jave to fill out a form, which no one else had told me this on several other previous calls.

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 2023-12-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have continuously requested American Express stop sharing my information with third-party companies and they continue to do so. They have continued to violate my rights under the FCRA. I sent American Express letters in XXXX and XXXX and they have ignored my requests. The creditor is in violation of 15 U.S. Code 6802 ( a ) ( 1 ) ( b ) which states- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Records show that on XX/XX/23 my XXXX XXXX checking account with was unexpectedly closed by Wells Fargo. I was only made aware after logging onto my online banking and saw my account had a {$0.00} balance and statement that the account was closed. I contacted the number provided on the online account, which said they could not assist me, however the account was closed because my " Principal '' address they have on file for my business can not be a XXXX XXXX XXXX This is not the case. My " Mailing '' address for this account is a XXXX XXXX XXXX however my " Principal '' address is my home residence. I did not receive any previous emails regarding this issue with my account until after I had called into the online number my online account provided, simply stating my account was closed. 

I have spoken to many online bankers regarding this and even went into the branch and spoke with the Mgr. All they were able to tell me is that they mailed my remaining balance in my account to my " Mailing '' address in the form of a certified check. They would not stop the check and simply transfer to another one of my accounts. 

Within the last 3 mths I had recently paid for new printed check on this account, I have multiple merchants tied to this account for XXXX and auto deposits into this account from my merchant services company. This has completely shut my business down.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Subject : Request for Assistance Regarding Transaction Dispute Dear Chase Bank Claims Department, I hope this message finds you well. I am writing to bring to your attention a situation that has arisen from a recent transaction involving my account. I believe your assistance is crucial in resolving this matter. 

On [ XX/XX/2023 ], I made a transaction of {$25.00} to a family member, XXXX XXXX, with the understanding that it was for the purchase of cologne and body washing products. However, upon receiving the items and assessing their quality, I was dissatisfied and decided to return the products when we met in person.

During our in-person meeting, XXXX XXXX acknowledged the misunderstanding and promptly agreed to provide a refund. She advised me to contact Chase Bank for the refund process due to misunderstandings and incorrect wording during the initial transaction.

I kindly request your guidance and assistance in facilitating the refund process for this transaction. The nature of the misunderstanding and the prompt acknowledgment by XXXX XXXX of the need for a refund lead me to believe that a resolution can be achieved with your support.

Please let me know the necessary steps and documentation required to initiate the dispute resolution process for this transaction. Your prompt attention to this matter is greatly appreciated.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2023-12-19 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: NY

Complaint narrative:
I would greatly appreciated your assistance in a matter that needs a resolution. 
Bank of America has continually denied my claim of identity theft due to their negligence. 
Back in XXXX of XXXX  my bank credentials were compromised and my account was fraudulently hacked of XXXX. My account information was changed without my authorization and Bank of America failed to inform me of the changes. My email and my phone number were changed in XXXX, XXXX. As the account holder, I didn't receive a text, an email or a letter to my mailing address. An online account was created and the perpetrator was able to order a replacement card via XXXX  XXXX that was delivered to my building lobby with no signature required. Leaving them with easy access to the replacement card. Unfortunately, the card was activated with my credentials and my account was comprised of XXXX. 

Serval attempts have been made including police report of identity theft, many phone calls, faxes and sending substantial proof to Bank of America, however this institution has decided to oversee their error in not informing me of the changes. Had I been contacted my account would have been in good standing today. 
As of today, Bank of America while under investigation has decided to close my account and refund me all the fraudulent ATM fees and a check for the XXXX  XXXX fee totaling {$50.00}. At this point I'm under a lot of stress and honestly, don't know where else to turn. 
I have attached their response to the claim and reason why they are denying it. Bank of America has simply decided to use the fraudulent withdraws as their proof as to why my claim is being denied. Bank of America is not providing substantial proof other than the illegal transactions. I'm also requesting records of the unauthorized changed personal information, in which I have not received.

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 2023-12-19 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: DE

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/, I made a student loan payment to edFinancial Services for {$2000.00} ( Payment Confirmation # XXXX ). That payment was never applied to my student loan balance but was deducted from my checking account. On XX/XX/23, I called edFinancial Services to report a missing payment. The company stated they had received the payment but lost it, so they never deducted the amount from my balance. They stated they would need 20 business days to find the payment. I expressed my concerns about making another payment until they found my previous one. They stated that since we are in a ramp-on period, there would be no penalty for late or nonpayment. On XX/XX/, I called back to follow up on the report. The representative stated they never submitted the missing payment form. They said they submitted a new one and they would get back to me within 12 days. I expressed my concerns to the representative that the full balance of my student loans would be collecting interest. She acknowledged it would be. At this point, I requested to speak to a supervisor. The representative stated the supervisor would call me back within 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: AK

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-19 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: IL

Complaint narrative:
I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-12-19 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX XX/XX/2023 EXPERIAN XXXX XXXX ASSISTANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute and Request for Deletion of Inaccurate Collection Account Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report related to an open collection account. The details of the account are as follows : - **Creditor 's Name : ** XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Number : ** XXXX - XXXX Status : ** Open XX/XX/2023 XX/XX/2023 I have thoroughly reviewed my credit report and assert that this collection account is inaccurately reported as open. It should be noted. that this account has been resolved and closed. Therefore, I am formally requesting the deletion of this inaccurate information from my credit report. I kindly request a prompt investigation into this matter and the removal of the inaccurately reported open status of the collection account. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe this discrepancy is damaging to my credit profile and should be rectified. Enclosed, please find supporting documentation [ if available, such as a letter from the collection agency stating that the account is closed. and resolved ]. I trust that this documentation will assist in your investigation. Please provide me with written confirmation of the results of your investigation and the actions taken to correct or remove this inaccurate information from my credit report. Thank you for your prompt attention to this matter. I look forward to a quick resolution. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Continuing Issues with Bill Payments- Formal Complaint Dear Wells Fargo Customer Service, I am writing to express my frustration and dissatisfaction with the handling of my bill payments by Wells Fargo. Despite multiple attempts to address and rectify the payment issues, the situation remains unresolved, and I find the management of these matters to be chaotic. 

I have made repeated efforts to contact Wells Fargo regarding the difficulties I am facing with bill payments. Unfortunately, these attempts have not yielded a satisfactory resolution, leading me to escalate the matter and file a formal complaint. 

I trust that Wells Fargo will thoroughly investigate the issues Ive raised and take appropriate actions to rectify the ongoing problems with my bill payments. Your prompt attention to this matter is crucial to maintaining a positive customer relationship. 

Sincerely, 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 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
was the victim of an XXXX breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped 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 explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-19 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: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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