vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX {$2800.00} was debited from my account for online gaming. While I admitted using the site for XXXX instances, I did not authorize any other purchases from said website. Website is located in XXXX and would not refund the debits. I went through my bank Wells Fargo for a claim. A provisional credit was given and then reversed. I asked to appeal and they said once they made a decision I had no other avenues. That it was final. Claim # 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 monetary relief
Consumer complaint received 2024-04-18 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: MO

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( XXXX XXXX XXXX ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: MO

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( XXXX XXXX XXXX ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and deleted 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 non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX show me so this help the other investigation.

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 2024-04-18 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: CA

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

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 non-monetary relief
Consumer complaint received 2024-04-18 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: CA

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge.

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
An acont was remover called all three credit reporting agencies it was back on to day all XXXX  gave run around and could not tell why it was back on as XX/XX/2024 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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
On XX/XX/year>, I received a notification from XXXX informing me that TRANSWORLD SYSTEM INC/ has flagged my credit as Collections on XX/XX/year>. 

They are attempting to collect a balance of {$480.00} from an account that I have never opened and at an address where I have never resided. Last year, they did the same, and after my complaint, it was removed from my credit report. 

I have been charged this money in the past on several occasions, and they have been unable to prove that it is my account. I urgently request that this cease. I require evidence that I opened this account. I demand that the following information be provided : - Full name and social security number ; - The name of the original creditor ; - The creditors account number or reference number ; - The billing address of the account ; - Any other specific information relating to the consumer so that a full search can be completed. 

I demand that you provide the requested information, as you claim that I owe this money. 

Furthermore, I insist on proof that I opened this account. 

I warn you that I will take legal action against you. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I was using XXXX  XXXX XXXX ( BOA ) bill pay service and intended to pay American Express {$1600.00} for in-full monthly payment. In error, {$71000.00} was withdrawn and processed. XXXX did not raise an alert for auto-payment amount not in keeping with historical values. American Expressed received an excess payment of {$70000.00}. Immediately, upon recognizing the overpayment of {$70000.00}, we contacted both XXXX and American Express on XX/XX/2024. All necessary information was provided to lend wire transfer of funds ( typically a request which takes XXXX hours ) back to XXXX. Despite the reassurance of immediate refund of overpayment, no return of excess funds was rendered for nearly XXXX weeks. American Express was contacted on : - XX/XX/2024 by myself- XX/XX/2024 by my husband ( primary account holder ) - XX/XX/2024 by myself with a XXXX associate on the line and also by my husband as primary account holder - XX/XX/2024 by my husband with XXXX associate - XX/XX/2024 contact by me again as there was yet no resolution on the matter or refund of overpayment of funding in excess of $ XXXX. Made several requests to speak to a supervisor and there was reservation to escalate matter with each customer service representative try to " solve the issue '' and reassuring me that " there is a process that must be followed '' and that American Expressed 'needs to investigate the matter ''. 

Frankly, I don't understand what process to be investigated when there is clear evidence of overpayment via an auto-bill-pay mechanism and where is no third-party vendor, goods, or services having been rendered with the transaction. When payment was to be paid, I was informed that I would not receive any interest for having held excess funds for XXXX weeks despite the hardship this posed to me as a consumer. American Expressed would not have hesitated to penalize me with high late fees for non-payment of a bill, even if late by 1 day. Why is it that they can retain rights to hold on to overpayment of $ XXXX for XXXX weeks without any monetary compensation to a consumer? Wire transfers with large banking agencies can be rendered immediately if/ when errors occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be 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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2024, my Chime banking account was abruptly closed without any prior notice or explanation. This action occurred just days after I received my tax refund into my Chime account, which was over {$5000.00}, leaving me bewildered and financially stranded. 
Throughout my tenure with Chime, spanning over a year, I had encountered no issues or discrepancies with their services. However, the sudden closure of my account, coupled with the lack of communication and transparency from their representatives, has left me deeply troubled and financially distressed. 
Upon reaching out to Chime 's customer service for clarification and the retrieval of my remaining funds, which included my tax refund from the IRS, I was met with frustration and disappointment. Despite multiple attempts to resolve the issue through email correspondence, each response I received was generic and failed to address my specific concerns. 
I escalated the matter to thXXXX XXXX XXXX XXXX in hopes of finding a resolution, but to no avail. Despite assurances from Chime that I would receive a refund of my funds via mail within 30 days, as of today 's date, XX/XX/2024, I have yet to receive any such reimbursement. 
This prolonged delay in the disbursement of my funds has not only caused me significant financial hardship but has also taken a toll on my emotional well-being. I have a XXXX XXXX XXXX and also had a XXXX XXXX  during this time. I have been struggling to care for my children as well as myself due to this incident. That was all of the money that I had to my name. I find myself falling behind on essential bills and facing mounting financial obligations due to circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, my XXXX score has randomly dropped XXXX times by XXXX points across all XXXX credit reporting agencies : XXXX, Transunion, XXXX, and XXXX. The first was in XXXX and then it went back up XXXX points the following month. As of today, XXXX XXXX, XXXX, my XXXX score dropped XXXX points again. In either case, literally XXXX changed unfavorably to create these changes. 

I have : not opened any new credit lines frozen credit across all agencies since XXXX, so no new credit requests or identity theft, my credit card balances hover at or BELOW XXXX ( yes, a credit to me ) as I pay any due balances daily or bi-daily usually before the charge is even posted by my credit card company, a XXXX balance at month 's end on all credit cards ALWAYS had no late payments in XXXX years a mortgage since XXXX whose balance is paid XXXX months ahead of time and the balance continues to drop monthly the same job with no change in income during both XXXX score changes no significant purchases. My largest purchase in the past 2 months was less than {$1000.00} and the credit card balance was paid the following day long before it was due. 
total available credit on my revolving credit cards of {$130000.00} and have used less than {$1000.00} ( 0.7 % ) of it for any single purchase in XXXX I tried to report the issue to each agency, but there is not reliable way to report such matters. As I'm considering the purchase of a car, a XXXX point unexpected FICO change is disconcerting. Further, if this is happening to me, a person with a sterling credit rating, then how screwed is a consumer who is on the cusp of good-v.-bad credit if this happens to them. 

I attached XXXX files showing some details of my credit record to bolster my points above. The information is from XXXX, but all of them reflect the same changes. 

Any help you can provide to resolve this matter would be most appreciated.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, my XXXX score has randomly dropped XXXX times by XXXX points across all XXXX credit reporting agencies : Equifax, XXXX, XXXX, and XXXX. The first was in XXXX and then it went back up XXXX points the following month. As of today, XXXX XXXX, XXXX, my XXXX score dropped XXXX points again. In either case, literally XXXX changed unfavorably to create these changes. 

I have : not opened any new credit lines frozen credit across all agencies since XXXX, so no new credit requests or identity theft, my credit card balances hover at or BELOW XXXX ( yes, a credit to me ) as I pay any due balances daily or bi-daily usually before the charge is even posted by my credit card company, a XXXX balance at month 's end on all credit cards ALWAYS had no late payments in XXXX years a mortgage since XXXX whose balance is paid XXXX months ahead of time and the balance continues to drop monthly the same job with no change in income during both XXXX score changes no significant purchases. My largest purchase in the past 2 months was less than {$1000.00} and the credit card balance was paid the following day long before it was due. 
total available credit on my revolving credit cards of {$130000.00} and have used less than {$1000.00} ( 0.7 % ) of it for any single purchase in XXXX I tried to report the issue to each agency, but there is not reliable way to report such matters. As I'm considering the purchase of a car, a XXXX point unexpected FICO change is disconcerting. Further, if this is happening to me, a person with a sterling credit rating, then how screwed is a consumer who is on the cusp of good-v.-bad credit if this happens to them. 

I attached XXXX files showing some details of my credit record to bolster my points above. The information is from XXXX, but all of them reflect the same changes. 

Any help you can provide to resolve this matter would be most appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-04-18 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures 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.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I have requested to verify a late payment made in XX/XX/2020. 

I have never been late and this is affecting my ability to get approved for a mortgage loan. 

This is not okay and I do not approve of this reporting when this is highly inaccurate. 

Please get this resolved 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 2024-04-18 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: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/24, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year>, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.

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