vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I, XXXX XXXX, wired XXXX $ ( FROM XXXX XXXX XXXX XXXX CHECKING XXXX ) to my friend XXXX XXXX XXXX, which has the following Checking Bank Account Number ( XXXX ) at Wells Fargo XXXX and it should have been received In her account by XX/XX/XXXX, the receiving bank never added the money to XXXX XXXX XXXX account. 

Upon further inquiry on her side, she was told nothing was sent or pending. On XX/XX/XXXX, i contacted XXXX XXXXXXXX XXXX, and was told that the wire was on hold pending a security questionnaire ( which the recipient was never notified about ), and so i immediately told my bank to recall the wire transfer on XXXX of XXXX, and since then Wells Fargo has not released the funds to the recipient, nor did they notify the recipient in any way, and on XX/XX/XXXX XXXX XXXX XXXX informed me that they have not gotten a response from Wells Fargo on the matter. 

The wire transfer confirmation number is XXXX And, this matter is highly inappropriate, not only did they not release the funds, but they did not notify the recipient.

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 2024-06-15 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: GA

Complaint narrative:
Demand for immediate action : As a victim of identity theft, I assert my rights under 15 U.S.C. 1681c-2 and 1681b. Its been 30 days ; the law requires action within 4 days.

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 2024-06-15 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my XXXX XXXX. 

XXXX XXXX # Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-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 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX Texas Police Report REPORT NUMBER : XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. A non-resident staying At XXXX XXXX XXXX XXXX by XXXX XXXX in the City of XXXX XXXX XXXX of XXXX, State of Texas, being duly sworn, do hereby depose and state as follows : ** On Thursday, XX/XX/XXXX, between the approximate hours of XXXX XXXX  and XXXX XXXX, my vehicle, a XXXX XXXX XXXX XXXX XXXX was XXXX while parked at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas. 

The vehicle was not stolen, but upon returning to it, I discovered evidence of a break-in, including : A scratch approximately one inch long on the car 's body, damaging the paint down to the base coat. Right door Evidence of tampering with the infotainment system, resulting in malfunctioning controls and Wi-Fi connectivity issues. 
Damage to the audio stereo system, suggesting an attempted theft. 
A non-functioning XXXX anti-theft system. 
The following items were stolen from the vehicle : Passport wallet with passport/card XXXX XXXX XX/XX/XXXX Retired XXXX XXXX XXXX ID Texas driver 's license Vehicle registration XXXX XXXX XXXX ATM XXXX American Express cardXXXX XXXXXXXX documents Gold and diamond pendant and chain I am aware that there are no security cameras in the hotel parking lot and that homeless people are known to trespass on the property at night. Unfortunately, there are no known witnesses to the burglary. The hotel has signs not respite for theft. 

I have attached photographs of the damage to my car as evidence. I reported the information to the hotel front desk XXXX XXXX and XXXX XXXX. Unfortunately theres no security patrol or cameras. 

Shortly after discovering the burglary, at approximately XXXX on XX/XX/XXXX I was contacted by American Express regarding XXXX unauthorized transactions on my account : a {$1.00} Cash App transaction and a separate {$200.00} XXXX XXXX transaction, both occurring at approximately XXXX XXXX. 

I have attempted to report this incident online through the XXXX Police Department portal on XXXX separate occasions, but the portal appears to be malfunctioning. 

XXXX, XXXX, XXXX XXXX XXXX request that law enforcement investigate this matter to the fullest extent possible and apprehend the person ( s ) responsible for this crime. 

I understand that the penalty for making a false statement in an affidavit is a Class A misdemeanor, punishable by a fine of up to {$4000.00} and/or confinement in jail for up to XXXX year. 

I certify this statement to be true and correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: FL

Complaint narrative:
I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, 2024 XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, 2024

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 2024-06-15 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:
remove all fraud addresses from my consumer report, immediately! 
( see attachment )

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 2024-06-15 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : Account Name : XXXX  XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX  ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-15 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: GA

Complaint narrative:
Demand for immediate action : As a victim of identity theft, I assert my rights under 15 U.S.C. 1681c-2 and 1681b. Its been 30 days ; the law requires action within 4 days.

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 2024-06-15 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: GA

Complaint narrative:
Demand for immediate action : As a victim of identity theft, I assert my rights under 15 U.S.C. 1681c-2 and 1681b. Its been 30 days ; the law requires action within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I attempted to get my free credit report and score from Equifax. The XXXX XXXX  home buyer education cerificate course told me to go to annualcreditreport.com so I did and that website told me to get my credit report from Equifax. I got a credit report but no score. I followed the directions to call to get my score but the phone number provided had a nonworking directory that did not send me to customer service despite multiple tries. At this point I have spent over an hour trying to get my own information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
THIS ACCOUNT REPORTS DIFFERENT INFORMATION IN THE AGENCIES WHERE THE ACCOUNT IS REPORTED, IT IS ALSO NOT REPORTED IN THE THREE CREDIT AGENCIES, ALSO INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, DOES NOT MATCH, PLEASE REQUEST TO DELETE IT IMMEDIATELY, FROM MY CREDIT HISTORY IN THE XXXX AGENCIES.

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 2024-06-15 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: TX

Complaint narrative:
In XXXX of XXXX ( last month ), Experian reported an incorrect late payment and or missed payment on an account that was closed and paid in full. In other words they reported a false late payment on an account that had no balance and with a closed status. 
The account was from XXXX XXXX XXXX cards. The last activity that was reported by XXXX XXXX was in XX/XX/XXXX. There should be no other activity on the account.

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 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: WI

Complaint narrative:
Given below are two examples of the charges on my US BANK VISA card bill : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were 13 charges of this type. I did not recognize these charges so I contacted US BANK over the weekend to get more information and was told that the only way I could get more information on these charges is to claim fraud, in which case I would have had to get a new card. 

I then contacted the above telephone number, XXXX, which turned out to be the telephone number of XXXX. I called that number repeatedly and they were never able to find these charges on their system. 

After calling US BANK a number of times and getting the same message that I had to claim fraud to get more info on these charges, I finally got to someone at US BANK that was willing to violate that policy. 

He told me that all the charges came from places in Connecticut. From that I figured out that a wealthy relative had accidentally charged restaurant bills on my credit card. He fixed the problem and is going to send me a check for the false charges. This resolves the immediate problem. 

-- -- -- -- -- -- -- -- -- -- - It should be much easier for me to get more info on US BANK charges without having to claim fraud. XXXX is partially at fault for not being able to find information on the above charges. 

I hope that the CFPB can persuade US BANK to make it easy for me to get more information on specific charges without having to claim fraud.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NJ

Complaint narrative:
I have relentlessly made conscious effort to resolve this matter respectfully, to no avail.Kikoff is an alleged credit repairing company that helps XXXX improve credit score.My experience has been in reverse, Kikoff 's erroneous reporting has affected my credit report drastically.I owe Kikoff financial services nothing, ABSOLUTELY NOTHING.I am being harassed monthly by delinquencies reported to my credit report XXXX points or more, I have been denied credit, I have been charged enormous interest rates, My credit score has plummeted, do to this company unfair and illegal enforcement of contract extortion .I recently received a email acknowledging that they are aware I closed this account in XXXXI would like this complaint made public to for warn the public about Kikoff unscrupulous pay to play scam .I want this harassment to stop, I want the false delinquencies removed from my credit report immediately.Kikoff claims it is FDIC insured, yet they're in use of the transmitting utility account number.Please help me rectify this matter, and restore the damages this company has caused me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Well I've been incarcerated since XXXX of 2023 and just paroled late XXXX of XXXX during that time I was not able to any payments to any company that I owe because of my incarceration.I want to ask for forgiveness and want to fix financial problems, my credit score, and debt.I believe I owe {$2300.00} to Golden 1, XXXX XXXX {$500.00}, XXXX  XXXX owe {$300.00} And XXXX  $ XXXX please consider my dispute to be valid.

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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I had a checking account with chime. I used it it to pay almost everything and also used it for direct deposit and to check deposits from my tips as I am a newspaper delivery person. It was convenient as my sleep schedule was different from normal people for delivery of papers. One day I couldn't put my checks in from my tips into my account by phone. I went crazy as I depended on this tips to provide a place to sleep at night. I was homeless at the time and living in hotel with my four children.

I tried multiple times to contact them. All I get is that they have the right to close the account and something about being a hazard or something to that effect. But I did nothing wrong. And now, I can't use any mobile cash checking because they all use the same company. It's unfair

Company response to consumer: Closed with explanation