vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
I was an XXXX XXXX customer which was taken over by Citizens Bank. 

Since the switch i have not received welcome pack or debit card at my address. I do not reside in USA anymore therefore do not have a USA number therefore unable to log in to mobile app from outside the USA. 

I have called Citizens Bank on several occasions and spoke to XXXX XXXX on XX/XX/XXXX Ref XXXX who advised me to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which i did on XX/XX/XXXX and XX/XX/XXXX but no response. 

Then i wrote to Federal Reserve Consumer Help on XX/XX/XXXX they asked me to lodge a complaint with cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX requires 40 days to post mortgage payments to consumers account. XXXX XXXX XXXX does not communicate this with the credit department within the XXXX XXXX XXXX XXXX. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of XXXX XXXX XXXX and has yet to be posted in the month of XXXX. XXXX  says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC.
State: HI

Complaint narrative:
I contacted Axos Bank on XX/XX/2023 through their secure message system that I wanted to close my account. On XX/XX/2023 they responded through the secure message system that I will have to pay a {$10.00} dollar " official check fee. '' I do not know what this fee is and I do not recall at the opening of this account that this fee was explained to me. 

I just want to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: WV

Complaint narrative:
On XX/XX/XXXX, I returned few items to XXXX store, and they refunded to my Discover debit card ending XXXX, which was closed back in XXXX. Bank has confirmed that even though the old debit card was closed, the refund should come thru to my checking account that was tied to the old debit card. 

After few weeks, I still did not see the refund on my checking account, so I contacted the XXXX XXXX XXXX XXXX, and they confirmed that the refund was made to the debit card ending XXXX and provided me with the transaction detail receipt from their system and asked me to contact the bank directly. 

I have contacted my Discover bank XXXX time to investigate the refund not depositing to my bank account, but they have not contacted me yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
Started getting e-mail notifications of missed payments to a bank in California that we have never applied for credit nor have we received credit. Try to contact the bank but they require social security number to even talk. It seems like a phishing expedition. 
Started notifying us in XX/XX/2023 via e-mail and text message only. No correspondence by physical mail, which makes this even more suspect.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX  opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
National Credit Systems sent me a letter in XX/XX/2023 stating that I owed XXXX XXXX XXXX XXXX. I contacted the agency to dispute the charges and was told that I would receive an email on instructions to provide documentation. I received the email two weeks later and the agency reported the debt to the credit bureaus although I was disputing. I have provided documentation to show that the debt is invalid and they still have not notified the credit bureaus that I am disputing the debt or removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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 kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history. Thank you for your immediate 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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX, Venmo unexpectedly suspended my personal use account. I never received an email that is supposed to correct the issue. The next day, I called staff and was told they could not resolve the issue. Additionally, I was told : - They could not explain why the suspension occurred - It would take at minimum 5-7 business days to perform a review- I could not speak to the team in charge of account reviews ( they only operate via email ) - To look for an email to correct the issue ( as of XXXX at XXXX XXXX  est, I have not received this email either ) - When I asked to speak with escalated care, the company put me on hold with no updates on the wait time. It leads me to believe the company had no intention of escalating the matter and is leaving me on hold until I get tired and hang up. 

After 45 minutes of being on hold, I opted to file claims with Consumer Finance as well as the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Dear Wells Fargo Executive, I am writing to express my disappointment with the bank 's handling of an unauthorized XXXX transaction that occurred on my account. Despite my repeated requests for a refund, the bank has refused to comply, citing federal law. However, I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, and I am willing to pursue legal action if necessary. As you may be aware, the EFTA and Regulation E provide certain protections for consumers who are victims of unauthorized electronic fund transfers, including XXXX transactions. Under these laws, consumers have the right to dispute and seek a refund for any unauthorized transactions that occur on their accounts, as long as they notify their bank within a certain timeframe. In my case, I discovered an unauthorized XXXX transaction on my account on [ date ], and immediately contacted Wells Fargo to report it. I provided the bank with all of the necessary information, including the date, time, and amount of the transaction, as well as the name of the recipient. Despite this, the bank has refused to refund the transaction, claiming that I am not entitled to one under federal law. However, I strongly believe that I am entitled to a refund under the EFTA and Regulation E. These laws require banks to investigate any disputed transactions and respond to the consumer within a certain timeframe. Banks must investigate and respond to the consumer within 10 business days. The investigator told me that my online banking account has been logged in from 1 ) Texas 2 ) XXXX XXXX 3 ) XXXX. There was clearly suspicious activity going on with my account and I have been careful with my account. Furthermore, the EFTA and Regulation E provide that a bank may only deny a refund if it can demonstrate that the consumer authorized the transaction or was grossly negligent in safeguarding their account information. In my case, there is no evidence to suggest that I authorized the transaction or was negligent in safeguarding my account information. Therefore, I must insist that Wells Fargo reconsider its position and refund the unauthorized XXXX transaction that occurred on my account. I am willing to pursue legal action if necessary to ensure that my rights are protected. However, I hope that we can resolve this matter amicably and without the need for legal action. Thank you for your attention to this matter. Sincerely, 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 2023-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo foreclosed on me after approving and accepting loan modification payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Caliber homes loans requires 40 days to post mortgage payments to consumers account. Caliber home loans does not communicate this with the credit department within the caliber home loans institution. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of caliber home loan and has yet to be posted in the month of XXXX. Caliber says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: CORELOGIC INC
State: NJ

Complaint narrative:
I CALLED CORELOGIC, CREDCO, AND SPOKE WITH XXXX, SUPERVISOR. HE KEPT INSISTING THAT THEY DO NOT PROVIDE REPORTS AND I HAVE NO PATHWAY TO OPT OUT OR FREEZE MY INFORMATION. HE WENT ON TO STATE CREDCO IS NOT A REPORTING AGENCY, HENCE, THERE IS NO WAY TO OPT OUT. HOWEVER, I READ TO HIM THE LANGUAGE CONTAINED ON THEIR WEBSITE WHICH CONVEYS THEY SHARE INFORMATION TO SPECIFIC INDUSTRIES. I HAVE THE ENTIRE CONVERSATION RECORDED AND HE WAS MADE AWARE OF THE PHONE CALL BEING RECORDED.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: IA

Complaint narrative:
Via Western Union I transferred {$800.00} to a XXXX  recipient. Upon collection of the funds, the Western Union agent in XXXX ( XXXX XXXX ), retained a fee of {$31.00}. These fees were not disclosed in advance and the resulting shortfall will cause a second transfer with additional costs needing to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I find it unacceptable that there are public records on 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Submitted dispute with CFBP regarding fraudulent inquiries, copy attached. 
Equifax responded : XXXX - XX/XX/2021 - Removed but remains on my profile. 
XXXX XXXX - XX/XX/2021 - Was not on my credit profile Please review the attached CFPB account and list of inquiries from the credit report pulled today. Please remove these inquiries as stated and/or investigate the inquiry as requested. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
settled and continued payments with the court but this company keeps sending me letters about default, harrassment and rude when I call them.

Company response to consumer: Closed with explanation