vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I am writing to express my continued frustration to follow up regarding the presence of fraudulent items on my account, despite my previous attempts to address this issue. This letter serves as my second formal complaint regarding the matter.

Despite my previous correspondence and efforts to rectify this situation, the fraudulent items remain unresolved. I have taken all necessary steps outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation.

I urge you to escalate this issue internally and allocate the necessary resources to conduct a thorough investigation into these fraudulent activities. Additionally, I request regular updates on the progress of resolving this issue and expect transparency regarding any findings or resolutions reached.

Failure to address this matter promptly and effectively will leave me with no choice but to explore alternative courses of action, including seeking assistance from relevant consumer protection agencies and legal counsel. With this, I am asking for your assisstance to remove these fraud items in my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BalanceXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX  Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$4000.00}. 
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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I called FDIC, I was calling about my banking direct, a service of New York Community Bank, money network. They said its now XXXX owns it. I called XXXX and they said they only print out cards. I cant get my account number but its the last XXXX of the card. Its for money network. This is for a family leave. After my brother overdosed, my sister in law was stealing and overdosed. I have start to make complaints back at the end of XX/XX/2024 now the are saying XX/XX/XXXX I have to wait 45 days, they made every excuse then postponing the progress, I ask if I can speak to the fraud department or have the number so I can go to police station and have a cop help me. I have XXXX XXXX  children and now we are homeless. I have been hung up on and hours and hours to talk to someone. Which clearly shows Im not the only person this is happen too. Now all the state funding is going to this for every XXXX resident. I sign theft affidavits. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any 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 2024-04-12 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: GA

Complaint narrative:
XXXX XXXX XXXX This company above is continuously reporting XXXX  days late payment. A collection can not be late because its already past due Remove the collection listed above because you are reporting the payment status as XXXX  days late when by default collections are past due. I never entered into a contractual payment history for them to report a late payment. 

this is a violation of my consumer rights Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Tesla, Inc.
State: DE

Complaint narrative:
Violation PRICING/DISCLOSURES Consumers need to know the full costs and have clear information about the terms and conditions before they enter into transactions. XXXX advocates for price transparency and against hidden fees. XXXX also supports requirements for complete and easy-to-understand disclosures to help consumers make informed buying decisions. 

Tesla account ( XXXX & XXXX ) XXXX XXXX Car Name XXXX I had an appointment at Tesla on XX/XX/2024. { My concerns were regarding my suspension. Air continuously leaks from the suspension. And there is a squeaking noise coming from the left driver 's tire. The vehicle functions properly while in motion, but when it remains stationary for an extended period, the issue portrayed in the photo arises. } After a diagnostic assessment, the specific source of the air leak could not be determined. I was charged {$200.00} for a service that was already highlighted during my initial explanation of the problem. Furthermore, I was pressured to sign a diagnostic estimate rather than being provided with a new estimate that accurately reflected the work I had requested. This lack of price transparency made the total cost unclear.

I expressed my discomfort with signing an estimate that committed me to additional work beyond our verbal agreement, and I requested that only the services agreed upon during the visit should be carried out. I did plan to assess the possibility of repairing the airline, or if necessary, I would procure a replacement. However they proceeded to replace the airline without my consent first. They told me the airline was replaced the day I had to return to work, but that it didnt fix the problem. And asked me did I want them to replace the left and right air spring module. I told them no because the parts were overpriced, and the part # on my old part was different from the part on the invoice. I did agree to pay the bill but solely off the quote the technician told me when we went over all options of the airline. I was later billed a {$1000.00} with no resolution to the issue. We later found out the technician quoted me on the part + diagnostic fee + repair labor as the price for the replacement. Which is confusing to me because the diagnostic fee was paid during my first visit, and I wouldnt needed the part if the airline part was repairable. 
The service center declined to accept responsibility and only provided a revised estimate after the dispute, whereas I should have been presented with that new estimate to authorize right from the start highlighting our service agreement to display the total cost and ensure transparency in pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Bank froze my bank account and my {$800.00} in savings I was using towards a down payment of an apartment. They claimed their back office flagged my account for sending XXXX money transfers to my family members in the amount of {$4.00}! 

I went to the branch and spoke to management they refused to give me my money without a code that they claim is coming in the mail. Which I never received and I lost my apartment move in date. I'm out of gas and groceries and this compant refuses to let me access my funds with a CA ID and two forms of identification after the person I spoke with was the same one that opened my account two weeks ago the worst part is my direct deposit is scheduled there in a week or less and I can't stop 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 non-monetary relief
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-12 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: MA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I have been a victim of identity theft, but the credit agencies are refused to update and remove the inaccurates information and accounts from my reports.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report. I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 

ASSOC CREDIT SERVICES ( Original Creditor : XXXX XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am the owner of an XXXX  account at Citibank, and I asked for help in an investigation on an incident of theft of money from my account, and for that money to be returned. 

A few days after XX/XX/2024 ( I do not remember what day exactly ), when I logged into my Citibank online account, I discovered hat {$2500.00} had been stolen from my XXXX  account. 

I immediately contacted Citibank, and the representative explained to me that they need my personal presence at the bank for an investigation. On the evening on the same day, I received a letter in an envelope from Citibank in the mailbox, which contained the report of a withdrawal of money from my account that happened on XX/XX/2024, confirming the mount of {$2500.00}. 

The next day, I went to a Citibank location for help. Unfortunately, the Citibank that I went to did not have an employee who had access to an XXXX  account. What the bank employees could do to help me was to make a phone call to the XXXX  Helpline number ( XXXX ), for me to explain the situation about the theft of money and start a case to investigate the incident ( Case # : XXXX ). Over the phone, the XXXX  representative promised to send me additional papers that would help my case. 

After 10 days of waiting for mail from the XXXX  to arrive, I got nothing. So, I called the bank again ( on XX/XX/2024 ). A bank representative confirmed the case is open and that the papers have probably already been sent to my postal address. 

On XX/XX/XXXX, I called the XXXX  help line again, and once again, they couldn't help me On XX/XX/2024, I received a letter in mail that included a copy of the check in which my money was stolen, a check that I DID NOT write. 

I made a complaint to the XXXX  investigation through FAX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, explaining that over the many years of owning an XXXX  account in Citibank, I withdrew my money many times, and that I know that it is a difficult matter as it takes some time, and that they HAVE A COPY OF MY SIGNATURE IN THEIR DATABASE ( how it looks like ) The check that withdrew the {$2500.00} had a signature not in my handwriting, and not even close at all to my signature ; just a simple script letter with a squiggly line, when I always sign my check in my full last name. 

I have called the XXXX  again ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX to get an update on the investigation, to which they responded with that they do not see any activity with my case at all, and that the deadline for my case to close is on XX/XX/2024. 

Overall, I made multiple complaints, and gave 2 months for the investigation to occur and send me my money back, but sill to this day, nothing. No money returned, and no progress on the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX and list of Inquiries. 

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 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 to any 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 2024-04-12 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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