vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquires are unauthorized and they are not related to any transaction by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: SC

Complaint narrative:
Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from First access to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX XXXX  several times already . I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from XXXX  XXXX  to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I had received {$350.00} into my Venmo account. I want to transfer the money into my XXXX XXXX XXXX account and received an error message saying that it could not complete it choose a different account. So I transferred it into my XXXX checking account instead. The next morning when I looked at my XXXXXXXX XXXX XXXX  Account, I saw that Venmo had withdrawn the money out of my account despite the fact that they never had deposited the money into that account. So it was like they were reversing the deposit into the account but they never made a deposit in the first place. This put that accounts in the negatives. They never should have taking any money out of that account. The transferring of the money into my XXXX account went fine, but there was no reason they shouldve ever taken the money out of my XXXX account. They were reversing a transaction they never made. I contacted Venmo, and was told that there was no way that could actually happen although I did prove to them and submit to them the transaction, then the second time I contacted them after spending almost an hour on the phone. They informed me that they were going to put this to a specialist and they would get back to me within 7 to 14 business days. I am currently missing my money that they took inappropriately, they do not provide any kind of real customer service telling me Ill have to wait weeks for them to even look at why they took my money and only then will they refund me. This is absolutely unacceptable. They have to be much more responsive to XXXX they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Inquiry for Credit card showing on credit report for XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/2023 I did not apply for a XXXX card because I already have one with the company. Please remove inquiry.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was charged {$330.00} on XX/XX/2023 for a FORM on an unofficial USCIS website called XXXX XXXX. This is a scammer. It is scamming people. The website made me to think that I was dealing with the USCIS Government to apply for visa. But turned out I paid for a FORM on their website. I started my visa application again on the USCIS official all over again and paid again. 

Detailed explanation below : I searched USCIS on XXXX  on XX/XX/2023. The XXXX guided me to XXXX XXXX which I thought it was USCIS official website. After I got the form filled and submitted payment, then I realized what I paid was not the application fee. It just paid a FORM fee filled out online on an unofficial USCIS website. 

I filed the credit card dispute and requested a new credit card right after I found out this the same date XX/XX/2023. The credit card company ( Sychrony ) returned me {$330.00} on XXXX. Now I realized today that the credit card company charged me back the dispute {$330.00} on XX/XX/2023 without any notification. 

I went back to the XXXX XXXX website today XX/XX/2023, Now they updated the website with a warning ( telling consumer they are not related to USCIS ) before click on any immigration application forms. They fixed the problem now. But it was unfair, they scammed me to do so on XXXX XXXX. And my credit card refunded me after I reported this and charged me back after TWO months.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
On XX/XX/2023, I made an online purchase of a drone from XXXX, totaling {$980.00}, using my Wells Fargo credit card. Initially, the expected delivery was about a week away, but surprisingly, XXXX expedited the order, scheduling it for delivery on XX/XX/2023. Eagerly waiting, I stayed home all day anticipating the arrival of the drone. However, upon checking my XXXX account, I was startled to find a notification stating the drone had been delivered. 
Frantically searching, I found no trace of the package at my front door. Contacting XXXX immediately, they advised waiting for potential delayed delivery or filing a police report if the package didnt arrive. Despite waiting, the package never reached me, leading me to file a police report on the same day, XX/XX/2023. 
XXXX assured an investigation upon forwarding the case to their back office. Yet, the next day, I received an email declining a refund or replacement, asserting the item had been delivered, backed by a picture. Frustrated, I reiterated that I hadn't received the package. Consequently, I disputed the charge with my credit card company, furnishing them with all correspondences with XXXX and the police report. 
Regrettably, despite my efforts, the credit card dispute was denied by Wells Fargo. I provided them with detailed evidence, including my exchanges with XXXX and the police report number. It feels unjust to bear the cost of an item that never made it to my hands.

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 2023-12-07 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: SC

Complaint narrative:
XXXX XXXX XXXX is reporting {$500.00} was not paid. Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX and Equifax to give notice that this creditor is providing false information. Unfortunately, Equifax continue to report this error. This account was paid in full by the insurance company through XXXX XXXX when I injured myself at work and was no longer able to work. This loan had insurance, that was paid for in the event I could not work, which is what happened. The creditor ( Branch Manager ) was aware that I had insurance on this account he helped me file it. I filed the claim and money was paid to XXXX XXXX to cover the balance owed. Equifax is aware this was an insurance claim that was paid in full. Equifax decline to remove this error or put notice I was disputing this debt so that creditors would see it when pulling my credit report. This is a fraud account. 


XXXX XXXX XXXX is reporting I own {$670.00}. Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This was reported as a fraud account. A police report was provided, Equifax continue to report this against my credit file. The creditor was given written notice that this was a fraud account, they decline to remove this derogatory report off my credit file after months of trying to get this error corrected. Equifax declined to remove it and declared it valid even after notice was given that this was a fraud account. I asked Equifax to provide evidence that the creditor validated this claim, no response to my request. 
XXXX XXXX XXXX {$1800.00} is owed to them. XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in an apartment. I own my own home. My identity was compromised during this time, a credit card was open as well as someone rented an apartment using my social security card. XXXX declined to request photo identification before putting a lease in my name. I contacted XXXX XXXX and was told the company was sold and no records could be found. XXXX still continue to report this with no evidence to support this claim is valid. I own my home and never lived in an apartment and do not know anyone who lived there. Equifax declined to have this removed and continue to report it after several disputes. This is a fraud account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, my car was repossessed by Westlake Financial Services and was later sent to XXXX, FL for auction. I received a letter stating that I had until XXXX to make payment to avoid it going to auction. The payment was made on XXXX in the amount of {$1700.00} which is what I was told was owed. I asked for confirmation of payment and fees owed ( never got and was told they do not send outside emails/letters ). I then go on to my online portal and have now been charged additional fees which I have been given inconsistent answers about. This company shipped my car 4 hours away from the city I live in and is causing more fees to incur due to not sending release notice to auction facility. I have contacted this company multiple times and spoke to multiple agents from XX/XX/XXXX to date of this complaint. I have tried to get this rectified but keep getting the runaround. The car has yet to be released and is causing an undue financial burden.

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cascade Capital, LLC
State: NC

Complaint narrative:
I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.

1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of XXXX, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations XXXX and what actions he or she has taken in relation to this accoun Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of XXXX  and the Administration of Justice Act XXXX  which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I got my XXXX tax refund on a serve/ American Express XXXX XXXX XXXX I lost the card and trying to get replacement card because I live in Alabama and my rebate has been added to that card. I have called multiple times could not speak to someone who could understand me and was told they had to have the last 4 digits of the old card before issuing a new card I gave them my birthday old phone number and social but was told they needed the last 4 of card and the 3 digit security code. I asked how could I give them that if I didn't have the card had to repeat myself over and over asked to speak to there manager was told they didn't have one was laughed at and hung up on! This happened 4 times today on XXXX XXXX XXXX  starting around XXXX XXXX  Alabama

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a Kia with Kia Motor Finance in 2017, the car was returned at the kia dealer XXXX years later and XXXX paid off the balance. They original said that there was a balance for wear and tear. They never sent me a final bill of the wear and tear in spite of my requests. This was all during the pandemic, I reached out to them many times and no answer. Now they are saying that it was an early lease termination which is also incorrect. I recently leased another Kia and it is finance through them and I had no problem getting approved. I have disputed this with the 3 bureaus and they are refusing to remove this negative rating which is affecting my credit and it is unfair and unethical of Kia. I have finance XXXX new cars after this and I have had no problem. I need you to please help me resolve this issue and have them correct their error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorized the followings inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
XXXX XXXX  XXXX - XXXXThis is inaccurately reporting on my report. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX - XXXXThis is inaccurately reporting on my report. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STAR ONE CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/23 my husband and I were sent wire instructions from what appeared to be our lender ( email name, signature, and specific details of our escrow payments listed ). We wired the remaining of our down payment- only to then find out- it was a scam. Years of savings, years of hard work, a future for our XXXX little children gone. Police report was filed, FBI agent on case. complaint has been sent to XXXX  XXXX XXXX ( bank the fraudulent account and wire instructions were from. Formal complaint now to our bank StarOne Credit Union. Whom branch manager asked to recall the funds but no further action or information relayed to us in this financial hardship and devastating time. It's a huge sum of money. Almost XXXX us unable to be traced?? If we can not trust our financial intuition to protect our money- who do we trust? Americans deserve more from our banks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NC

Complaint narrative:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation