vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Opened a new Checking/Savings account at Golden 1 Credit Union - and tried to submit my first ever check via mobile deposit. Was then informed that due to the nature of my account ( brand new ) that there would be a 9-DAY business hold on the full availability of my funds. I then asked CS if there was a way to expedite the process ; they answer was no. I then asked if the process could be cancelled ; they said no. Then finally, after not even having my account open for a full 30 days, I asked if I were to CLOSE my account would the funds then be available - and to no surprise, I was told no. With little to no access to my funds, Im sure the blanks can be filled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Date : XXXX Withdrawal from account : {$3800.00} Description : The Year XXXX Violated the Fair Debt Collection Practices Act ( FDCPA ) SDCC received a Bank Levy from the XXXX XXXX California XXXX XXXX XXXX  ) to withdrawal money from my checking account. XXXX did not honor the XXXX XXXX XXXX California Supreme Court about Bank Levy Limitations, which is : Enough money must be left in the bank account to meet the persons basic needs, also automatic withdrawals and/or payments that were scheduled to be withdrawal, must be met XXXX  before monies are withdrawal. XXXX withdrew {$3800.00} from my checking account which caused my account to go into the negative of {$460.00} and left me with severe, severe, severe, severe financial hardship, extreme stress. I could not meet my basic needs, I could not buy food, I could not buy gas, pay Rent, etc. etc. I had no means of financial money, I Literally had noooooooo money!!! This has caused an enormous amount of stress. The bills that were suppose to get paid did not get paid, they reported negative marks to my credit bureaus, and also reported me to check systems which prevents me to open another and any checking account. I made XXXX payments towards the {$460.00}, I should not have to do that. My XXXX  checking account was in good standing before this occurrence happened. 

XXXX would not provide my bank statement to me to show proof to you of the {$3800.00} withdrawal and my bills did not get paid. I called XXXX on XX/XX/XXXX and they said that I had to pay a {$5.00} fee and the balance owed to receive my bank statement. This is unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I was deeply disappointed to see inaccurate accounts on my credit report. Ive always made a habit of checking my report, but for some reason, this time it contained errors I couldnt explain. I even tried refreshing the page, thinking it might be a technical issue, but nothing changed. I urgently need the documents Ive submitted to be thoroughly reviewed to ensure this doesnt happen again.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
To whom it may concern : THD/CBNA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could be serious consequences, so I'm giving XXXX  days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or delete them 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This morning, I was stunned to see inaccurate accounts on my credit report, and I can't understand how this could happen. I regularly check my credit report, but this time, there were unexpected errors that Ive never encountered before. I even refreshed my browser, hoping it was a glitch, but the inaccurate accounts remained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attached below in reference to my federal consumer rights being violated by the XXXX XXXX reporting. Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, and 15 USC 1681a. My invoice for actual damages and violations will be attached also. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 U.S. Code 1681n - Civil liability and 15 USC 1681o

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a online Checking and Savings account with SoFi bank. I set up my employer 's Direct Deposit to the savings account and I also authorized the transfer of {$10000.00} from my XXXX checking account to the SoFi checking account. The $ XXXX came out of my XXXX account on XX/XX/XXXX. SoFi never posted the deposit to my Sofi account. I have called multiple times and spoken with supervisors and SoFi 's security department and all they can tell me is that the account is " restricted '' and that I need to reach out to them. When I call I am just being told that they suspect fraud and the account is under review and that someone will call me back. No one calls me back. I am frustrated with lack of communication, lack of transparency, and insulted that I am accused of doing something fraudulently. Today I called SoFi again and spoke to their Security department again trying to get resolution and just being told I have to wair and that someone will call me. I have been told this multiple times and have not received call backs. When I ask to speak with a XXXX -I am told they are in meetings and a message will be relayed. Again no one calls me back. Today on the phone, out of frustration, I told them to just close the accounts and transfer the {$10000.00} back to my XXXX account and they said this was not possible due to my account being " restricted ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I was a tourist in XXXX. I took a short cab ride from the XXXX of XXXX to the Historic Center. When the short trip was over the cab driver told me I got in a special tourist can and owed XXXX XXXX pesos ( XXXX American $ ). I gave him my Wells Fargo card which he said was declined. I then gave him my XXXX credit card, he said it was declined. I then gave him my XXXX  and he said it was declined. I started yelling with him that he was robbing me and he told me I chose a special tourist cab. Crying, I emptied my purse and gave him XXXX pesos ( XXXX {$75.00} ) -- everything in my purse. Immediately on returning to my hotel, I checked my credit cards. XXXX XXXX declined a ( XXXX ) {$500.00} attempted charge from him XXXX but Wells Fargo authorized a US {$220.00} charge. The thief charged my Well Fargo account over DOUBLE the outrageous fraudulent amount he demanded in the cab. I opened a dispute # XXXX. They asked if I had a receipt for paying XXXX XXXX pesos, I said no -- I was just scammed and hustled in a foreign country. I went to the XXXX police and filed a report, this took XXXX hours. I sent Wells Fargo the police report by email and by upload. On XX/XX/XXXX, I was told that Wells Fargo would not process my complaint because I failed to get a receipt. I told them I sent you a police report. Too bad, I failed to get a receipt from the XXXX. I am a crime victim and Wells Fargo is going ahead and charging me. I was robbed but failed to get a receipt -- Wells Fargo rejects the police report. On XX/XX/XXXX I received an email saying my dispute is denied. I am supposed to be protected from FRAUD. No tourist spends a night with XXXX Police unless they are a crime victim. 
I filed a complaint with XXXX  and have been contacted by Wells Fargo but have no updated decision

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I, XXXX XXXX, declare that I am a victim of identity theft. Unauthorized accounts and transactions have been made in my name without my knowledge or consent. I XXXX became aware of this fraudulent activity on XX/XX/XXXX. These accounts have negatively impacted my credit and financial standing. 
I affirm that I did not authorize these accounts, transactions, or activity, nor did I receive any benefit from them. I have taken steps to address this matter, including filing a police report and disputing the unauthorized accounts with the relevant institutions and credit bureaus. 
Given the significant impact of this theft on my credit, I requested removal of these fraudulent entries : XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1600.00} XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1300.00} XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX XXXX XXXX Monthly Date Opened XX/XX/XXXX balance of {$35000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Type CREDIT CARD Balance {$11000.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX balance {$18000.00} XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX  XXXX XXXX  Balance {$35000.00} Thank you for addressing this matter urgently within the XXXX-day period requested. Please feel free to contact me at XXXX or via email at XXXX should you require any additional 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 non-monetary relief
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX keeps reporting an address in my bank accounts and on my credit reports that is incorrect. I have put fraud alerts on my credit agencies twice already, but XXXX XXXX continues to report an address that I have never been associated with before, and it shows up on my bank statements and on my credit reports. I don't know how they are getting this information, but it will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account dont have the balance its supposed to have and I know my money is on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am following up with my complaint from XXXX/XXXX complaint number XXXX Which I stated before, the information on the documents I provided to Equifax is incorrect and inaccurate. Equifax repeatedly did not properly verify/investigate the files I presented. They also sent me XXXX documents in the mail on the same day, XXXX saying that they will not investigate the XXXXXXXX XXXX account because it has been verified and accurate which is false. And the other letter saying that they could not find my credit file. This is a huge red flag and a contradiction. I have attached my identification documents also all these letters and evidence to prove that these following accounts are not accurate or verified properly. This transaction started on XX/XX/year> so Im still monitoring the time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That is a CLEAR VIOLATION of law 15USC 1681e ( b ) Please correct information or remove these incorrect and inaccurate accounts from my file.

Company response to consumer: Closed with explanation