vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: PA

Complaint narrative:
TransUnion & XXXX, is in violation of code ( 15 USC 1681B Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that TransUnion & XXXX, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted it to you earlier but forgot to attach my bill and my drivers licensee and Social security card attaching all the information again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : 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 non-monetary relief
Consumer complaint received 2023-11-30 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:
To whom it may concern. these inquiries are not mine, requests have been made without my consent and fraudulently, please removed these requests from my credit 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 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A letter was sent to me by Wells Fargo on XX/XX/XXXX in regards to an incorrect social security number that was entered nine years ago by the banker for my son 's information on our Safe Deposit Box. The letter stated " We recently sent you communications requesting that you provide us with a completed Form W 9. As we did not receive a completed Form W 9 we will be closing your above referenced accounts ''. I called the number on the letter and the agent told me to make an appointment at the branch to correct the error. When I went to the branch the Personal Banker did every thing she could to correct the error. I had already made payment for the box and the bank cashed my check XX/XX/XXXX for the rent due on XX/XX/XXXX for the year XXXX. 
Wells Fargo would not work with my banker in resolving my account. We had no choice but to clean my box and close my account. I was told that it was final and they were going to cancel my lease agreement and access to the box XX/XX/XXXX Since then I received a call from a Escalation Representative at Wells Fargo in XXXX Or. He was to get back to me with a copy of the original letter by XX/XX/XXXX. Today XX/XX/XXXX I contacted him again to be told that an email was sent to me by another Senior Escalation Representative at Wells Fargo. I did not receive any emails from that Rep. I asked to have the email sent again. The answer was that person had to give permission to resend the email. Case # 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 2023-11-30 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: FL

Complaint narrative:
I RECEIVED MY XXXX STATEMENT FROM XXXX XXXXXXXX ON MY XXXX XXXX IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH XXXX XXXXXXXX REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A XXXX BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH TRANSUNION AND XXXX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. MY TRANSUNION SCORE DECREASED BY XXXX POINTS AND XXXX DECREASED BY XXXX POINTS

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: WA

Complaint narrative:
first of all, I was never informed from XXXX subserviced by LoanCare that they have a data breech where they shut down their phones and online accounts. so, when trying to make a payment for my mortgage on XX/XX/23 I could not. I called customer service and got nothing. Called again XX/XX/23 for a rep to answer the phone and was not helpful all she told me was I don't have any information. when I asked her about late fees, she said she didn't know. Finally got an email from LoanCare saying that their back online so I tried making a payment online inputted my checking account number and hit submit for it to say unable to process payment so I hit exit and called and made a payment over the phone got my conformation number. an hour later I get an email saying thank you for your payment of {$2000.00} which I was like good it went through but only to get a second email saying thank you for your payment {$2000.00} now I'm freaking out because if they try to take-out two-house payment my account will be overdrawn. my first payment will go through but no the second one and I hate for that to happen because I'm NEVER overdrawn or late for a payment. So, I called My bank which the funds come out of XXXX XXXX they said they don't see anything yet but takes about 24-48 hours to process they said to contact LoanCare let them know of the situation they should be able to reverse or stop payment. She said if I don't hear from them to call back XXXX XXXX, they will try to submit a disclaimer. I called LoanCare today XX/XX/23 at XXXX was on hold for XXXX min for the rep to tell me that she'd need to transfer me to a supervisor so in that process she hung up on me this is VERY frustrating!!!!!! I've been trying to call and get a live person but all I get is, if you're calling during normal business hours sorry for the inconvenience if you're calling after business hours, please call back tomorrow during normal business hours and hangs up not option for waiting just hangs up. I'm stuck I don't know what else to do this is just not right how they can run a worldwide business like this and get away with this?? Please just some call me back I need answers.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX In the amount of {$3500.00} a unauthorized charge was made to my card that I wasnt aware of until I got the statement, discovered said they would look into it be never got back to me and its been a fraudulent act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
I RECEIVED MY XXXX STATEMENT FROM XXXX XXXXXXXX ON MY XXXX XXXX IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH XXXX XXXXXXXX REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A XXXX BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH XXXX AND EQUAFAX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. MY XXXX SCORE DECREASED BY XXXX POINTS AND EQUIFAX DECREASED BY XXXX POINTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
I RECEIVED MY XXXX STATEMENT FROM XXXX  XXXX ON MY XXXX XXXX, IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH XXXX XXXXXXXX REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A XXXX BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH XXXX AND XXXX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. MY XXXX SCORE DECREASED BY XXXX POINTS AND XXXX DECREASED BY XXXX POINTS

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 2023-11-30 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: NJ

Complaint narrative:
Greetings CFPB, my name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my consumer report and compensation for actual damages, I was denied a loan due to this account appearing on my consumer report and time in disputing this account. The account in question is from XXXX XXXX XXXX, account # : XXXX in the amount of XXXX showing on my consumer report without my consent. I have no contract with XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up to date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 USC 1681 et seq, particularly 15 USC 1681i and 15 USC 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practice Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practice Act ( RFDCPA ), which prohibited the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 USC 1341 ( Mail Fraud ) and 18 USC 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my consumer report and also compensate me for my damages and time for disputing this account. I have attached my Affidavit of XXXX and the denial letter of the loan I applied for. Thank You for your prompt attention to 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 2023-11-30 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: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
On XX/XX/2023, I received a letter indicating I had opened an account with Robinhood. I had not opened an account with the company, and since they require XXXX to verify, it was clear that someone got my identity information and opened a fraudulent account with the company. Robinhood is the subject of this complaint. I began notifying Robinhood immediately on XX/XX/2023 that someone had opened an account in my name. I received no response to that email for several days, and the responses were not substantive. Following their requests, I filed an identity theft report with the FTC and I filed a local police report. I sent both documents to them immediately after filing. They appear to have done nothing with this information after requesting it, as I got no substantive response to this information. Getting more concerned, I tried to find a way to talk to someone on the phone. However, in order to talk to someone on the phone, you have to have an account with Robinhood. So I downloaded the app so I could speak to someone over the phone. But after multiple repeated email and phone contacts, including several times verifying my identity with all requested forms of doing so, I have been unable to get Robinhood to understand that whoeever is using my identity is doing so with criminal intent, and close down the fraudulent account. I have not been able to get substantive responses over email despite repeated attempts. Over the phone representatives have consistently directed me to take the call offline to resolve it over email, but then do not respond to my emails. Since they are not responding to my emails, and seem to be unwilling to discuss the matter with me over the phone, I appear to be stuck.

Meanwhile, more than a week later, I am still waiting for a resolution to this, while someone who has stolen my identity is using my information to run an account in my identity on the Robinhood app. Robinhood has all the necessary information to confirm that this is indeed criminal activity on their app and I have repeatedly told them this. Nonetheless, Robinhood has refused to hear me out or help me close down this account even though I have complied with all the various requests that they have made about filing reports and verifying my identity. I would like the company to assist a law-abiding person in protecting their identity from criminal misuse, close down the fraudulent account, and provide confirmation that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: GA

Complaint narrative:
I am writing to submit a comprehensive formal complaint against XXXX, Experian, and XXXX, collectively for multiple violations of the Fair Credit Reporting Act ( FCRA ) and financial privacy laws. As a consumer, I have identified instances where each of these consumer reporting agencies has failed to uphold their responsibilities under the law, resulting in unauthorized and inaccurate reporting of my credit information and as a consumer, I have never given these credit reporting agencies any authorization or permission to report anything on my report ; they never even asked me to report anything on there in the first place. 

1. Unauthorized Furnishing of Information ( 15 USC 1681 section 604 a section 2 and 15 USC 6801 ) : XXXX, Experian, and XXXX have consistently furnished my private information without my explicit written consent, a direct violation of 15 USC 1681 section 604 a section 2. According to 15 USC 6801, financial institutions, including consumer reporting agencies, must respect the privacy of their customers. The actions of these agencies have failed to meet these statutory obligations.

2. Inaccurate Reporting ( 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e ) : XXXX, Experian, and XXXX 's reporting has been inaccurate, contravening 15 U.S. Code 1681s2 ( A ) ( 1 ) A, which prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, consumer reporting agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA, a duty they have not fulfilled.

3. Adverse Item Reporting Without Consent ( 15 USC 1681C ( a ) ( 5 ) ) : XXXX, Experian, and XXXX have reported adverse items without my explicit consent, violating 15 USC 1681C ( a ) ( 5 ), which restricts the inclusion of adverse information without the consumer 's permission.

4. Civil liability for willful noncompliance ( 15 U.S. Code 1681 ( n ) ) : I have submitted a complaint before to each credit reporting agency listed in this complaint so willful noncompliance can easily be proven as they had a full understanding of the violations after I complained the first time.

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 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Comerica
State: MI

Complaint narrative:
I have been a premium customer of Comerica Bank for XXXX  years. On the morning of XX/XX/XXXX, I received an email from Comerica stating that an amount of {$2600.00} was transferred via XXXX to somebody that I did not know. I immediately contacted Comerica and notified them that this was a completely fraudulent transaction as I had no idea who this person was. I insisted that Comerica should immediately suspend the transaction and refund the amount that was fraudulently taken out of my account. Despite my repeated requests Comerica refused to do so. All they said was that they would have to conduct an investigation that would take 10 days are more and after that investigation they would let me know IF the money could be refunded to my account. They said they were not liable for XXXX fraud and implied that I may be at fault. This is extremely stressful and scary that a big bank would just let this happen with no concern for customer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a credit balance of {$14000.00} on my US Bank credit card account due to an unintentional balance transfer to XXXX XXXXXXXX XXXX. I requested US bank to reverse the balance transfer payment sent by XXXX XXXXXXXX XXXX. US Bank issued a reimbursement of {$14000.00} back to XXXX XXXX XXXX and sent on XXXX and charged against my credit card, but instead of the entire amount of {$14000.00}, US Bank only paid XXXX  XXXX XXXX {$5900.00} on XXXX, yet US Bank still charged my credit card the entire amount of {$14000.00}. Which meant they still owed {$8200.00}. I have called US Bank several times to no avail. They did open a case XXXX on XX/XX/XXXX and asked to give them 10 to 14 days for resolution. On XX/XX/XXXX, they charged my US Bank credit card another {$8200.00} which was supposed to be the difference owed back to XXXX XXXXXXXX XXXX, not be charged against my US Bank credit card again. It was the difference they owned from the original {$14000.00}, but only sent {$5900.00} to XXXX XXXX XXXXXXXX. They seem to be so confused with such a simple transaction, they keep charging me over and over again. They need to remove the charges of {$8200.00} from my US Bank credit card as this was the difference they still owed from the credit balance of {$14000.00} they didn't pay XXXX  XXXX XXXX in full.

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