vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well XXXX different open/close dates XXXX. Doesnt this go against the FCRA Laws?

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 2021-03-24 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well XXXX different open/close dates XXXX. Doesnt this go against the FCRA Laws?

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 2021-03-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX XXXX XXXXXXXX in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, DXXXX XXXX XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: IL

Complaint narrative:
For the past year I have continuously made several attempts to dispute inaccurate and unverifiable information on my credit report but have been met with no resolve time after time. The continuous egregious handling of my dispute request is illegal and can no longer be tolerated. I have sent several dispute requests via postal service, some via certified mail and notarized, only to be met with the same canned and form response letter. Again, the practice is illegal and is a direct violation of my rights under the FCRA. On several different occasions, have I been with the response verified as accurate without any proof of documentation from the original alleged creditor or proof via method of verification, despite innumerable request. Due to the aberrant behavior, I can no longer allow any further opportunities to resolve this matter patiently. It has been well over 30 days to correct this issue and I am now demanding the disputed items to be DELETED from my credit file immediately upon receipt of this notice. Any future delay tactic or improper response will be handled in court to the fullest extent of the law for such continuous direct violations. While I am not surprised, I am certainly disappointed to learn that you have chosen to state that you can not verify my identity when I in fact have sent proof of address, SSN, Driver 's License, Date of Birth and etc. several times. To provide relief for the incompetency, I will attach identification verification documents again with this complaint. Remove the disputed requested items 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 explanation
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked that this information be removed from my credit report and so has the Collections Company. The information is still listed on my credit report and I inquired again and the collections company sent another letter saying they're deleting the information from my 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 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XX/XX/XXXX Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2021-03-24 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: NY

Complaint narrative:
I am writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XXXXXXXX  Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are numerous credit cards listed on my report that I have no knowledge of. This was a result of malpractice or an 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 2021-03-24 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX, XXXX, XXXX  TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 USC 1692g Validation of debts.

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 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX approximately we filed for homestead exempt on our property and have not gotten a response from our morgage company again this past year on XX/XX/XXXX i filled for a tax and property evaluation with XXXX XXXX XXXX district and was given a new home value and tax adjustments and have not gotten a response from the morgage company as well i have submitted a complain and said that they can only adjust and take action from the month of XX/XX/XXXX foward not all the back months of XXXX wich i think is unfair due to their lack of responsability and seriousness in the matter of the ir business

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 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NH

Complaint narrative:
Vendor shipped my package to another consumer. When I inquired to vendor by email I was ignored for 2 weeks ( sent 3 messages ). I contacted my bank, Chime Bank, to process a chargeback. Vendor contacted me stating that they received the claim and that it was their error ( they shipped to another customer instead of me ) and they offered to ship or to refund. I asked for a refund. A few days later they told me to contact my bank. Chime has no record of any representative of said vendor contacting them for the claim and now refuses to respond to my emails. All of their responses are copy and paste. The total refund due back is {$53.00}. My bank closed the complaint even with proof from the vendor that the error was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Merchant Services is charging my business for fraud. Hackers were able to use my website to " Fish '' credit cards. None of my customers were compromised and no money was taken from myself or the bank. All of the transactions were declined by XXXX. But, Wells Fargo Merchant Services charged my account a " per '' transaction fee and Interchange Charge fees for each of the transactions that were declined - over 50 pages and XXXX tries by the hackers. This happened on XXXX XXXX and I called to let them know and they called XXXX to be sure I had all of their Smart Authorization checks in place and XXXX said YES. I thought it was all taken care of until I received my statement from Wells Fargo Merchant Services on XX/XX/XXXX and they charged me {$52000.00} for XXXX Auth Fees. They said there was nothing they could do about it because they did not have Fraud insurance and and it is the customers responsibility to keep their accounts safe. I have never had any fraud on my account in the 14 years I have owned my business. They have decided to refund me 80 % since they said " I am a good customer. '' Today is XX/XX/XXXX and I still have not received back the money or heard from them.

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 2021-03-24 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: NJ

Complaint narrative:
Experian was notified several times about reporting of Bankruptcy. 

On XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I requested them to remove the dismissed Bankruptcy. 

On XX/XX/2020 Experian stated the company that reported the information has certified to Experian that the information is accurate. This company was XXXX XXXX. 

On XX/XX/2020 XXXX XXXX sent me a letter stating they deleted the bankruptcy after reinvestigation. 

On XX/XX/2020 I sent another letter to Experian asking how did you verify this when they sent me a letter stating it was removed two months before XX/XX/2020. I received no response and the bankruptcy remains on my 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 2021-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked that this information be removed from my credit report and so has the Collections Company. The information is still listed on my credit report and I inquired again and the collections company sent another letter saying they're deleting the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked that this information be removed from my credit report and so has the Collections Company. The information is still listed on my credit report and I inquired again and the collections company sent another letter saying they're deleting the information from my 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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made two separate transfer each was for the amount of {$1000.00}, of which {$49.00} was the fee per transfer. The total taken out of my business account was {$2000.00}. Western Union informed me that after using this existing account for two transfers, that they would not allow the transfer to take place, since the account was set up as a personal account, but with a business account details. ( Even when the account was set up under a business name XXXX As such they would NOT allow the distribution of funds to be sent. On the same day, I requested for the funds to be returned to my account. Unfortunately, as of today, XX/XX/XXXX Western Union ( WU ) has not returned the funds. Instead, it states that the funds were distributed. Unfortunately, every time I called the customer services provides numerous reference number, but no funds were ever returned to my account. I have also submitted emails at WU but this situation is not resolved. 
After several attempts, I have asked for my bank to dispute the transactions, but unfortunately, I am told that the 78 days since the transactions it does not guarantee the bank is able to recouped the funds. They will try but suggest I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
When I first got my American Express XXXX XXXX, I had no credit limit. Without informing me they imposed a credit limit of approximately {$2900.00} in XX/XX/2020, when I made {$37000.00} per year. At the time, I tried to get them to raise the credit limit on my card but they said I needed to provide them documents showing I had a change in income or assets. When I did that, they still denied me even though my annual salary grew to {$67000.00}. I then received a subsequent raises to {$78000.00} per year and then to {$80000.00} year. When I called back recently to try and get it raised again, they told me my type of card was not eligible for a credit limit increase, even though they allowed me to submit documents to try and increase it before with the same card. I was told that I qualified for a XXXX XXXX  and that card would be eligible for a credit limit increase, so I got the XXXX  XXXX  ( which has a {$250.00} annual fee ). Recently, I got the XXXX XXXX and tried to increase my spending limit today and was told that with my current card they only increase spending limits when they review accounts periodically, a direct contradiction of what I was told only a week or two ago. I feel like I'm being defrauded and want help. I have looked through my card holder agreement and can't find any mention of this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
My Home Depot store credit card, managed by Citibank, was paid in full and on time in XXXX. Citibank cashed the check but failed to update my account to show that payment was made. Consequently, they proceeded to add late fees, report my account as delinquent to the credit bureaus, significantly lower my credit balance and engage in a DAILY campaign of harassment. I receive collection calls EVERY 3 HOURS daily and 1 email per day, reminding me to pay an outstanding balance that I do not owe. I have informed Home Depot AND Citibank on multiple occasions that I paid my balance in full and do not owe them any money. Additionally, I have faxed them proof of payment TWICE, yet they REFUSE to update their 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 2021-03-24 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: FL

Complaint narrative:
There are numerous credit cards listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation