vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I filed a claim of multiple transactions I did not recognize. They shut down my card replaced it and did an investigation. Today XX/XX/XXXX they called me to tell me me reporting multiple fraudulent transactions was considered fraud and that a business decision was made to close my account and mark me as a high fraud risk. In two days Im expecting direct deposit of my paycheck and I was told they blocked any deposits so now I dont get my paycheck and lost my account all because I reported things I did not recognize and was told I was a fraud risk

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 2023-09-26 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: NY

Complaint narrative:
The Credit Bureaus Stated That my account That I sent to them was properly Investigated But That cant be possible if the open date is inaccurate, the date of last activity is inaccurate and also the date that's last reported is also inaccurate. This is extremely In Ground For removal they also Violated My Rights under 15U.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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 at the Chase XXXX XXXX XXXX branch in XXXX XXXX, CA, I was making a {$36000.00} deposit with the teller. 

A fraudster came alongside me at the teller window saying I dropped money and was handing me a {$20.00} bill. Unbeknownst to me, he approached me at the precise moment I had entered my Pin Number. Also unbeknownst to me or the teller, he also stole my Debit Card. 

Within 30 minutes at a branch in XXXX, he made 3 ATM withdrawals from Checking, his female accomplice made 1 inside branch withdrawal ( {$4800.00} ), and then 4 more ATM Checking withdrawals ( {$3600.00} total ). 

I didnt know I had been robbed until 45 minutes later when I received a Chase Fraud alert. I checked my wallet and saw my debit card was gone. 

I returned immediately to the branch and Chase opened two Fraud claims- one for the {$3600.00} in ATM withdrawals and one for the in-person {$4800.00} Savings withdrawal. 

I filed a police report. The officer subpoenaed 4 tapes. The final Police Report states that XXXX saw the two tapes Chase provided and saw the thief withdrawing my money from two ATMs in XXXX. It also mentions a woman ( the one who impersonated me inside the branch to withdraw the {$4800.00} from my Savings account ). 

NOTE : XXXX subpoenaed four tapes but Chase did not comply. Ironically, the two tapes Chase refused to supply were the exact two Fraud told me they needed in order to pay my claim : 1. Male seeing me input my pin and stealing my card at the teller window, 2. Female inside the branch withdrawing {$4800.00} in cash. 

On XX/XX/XXXX, my ATM Claim for {$3600.00} was paid in full. However, Chase Fraud denied the {$4800.00} in-person claim. ( That transaction was sandwiched in between the seven that had been deemed Fraud. ) I appealed and was denied again due to lack of care. It has been 4 months and I am still out my {$4800.00}. 

I heard from different sources that this same couple robbed other victims around that time in a grocery store, banks, etc. 

I can not believe that Chase has denied this claim, given the evidence presented. Their refusal to comply with the subpoena that would have validated my claim is unacceptable. 

Chase agreed that I was robbed and defrauded of my ATM cash at 6 transactions - but the inside branch transaction that took place at the same time was denied. 

Please note : I went to the teller to deposit {$36000.00}. I only use my debit card inside the branch where I should have been safe. ( I never use it anywhere as my bank records will attest. ) I was robbed in front of the tellers window. How can Chase deny this claim? Its criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Alleged debt was purchased by listed Collection Company or Representation  on XX/XX/2023. I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple account statements ( or two ) were sent, along with a letter ( Not certified by any entity ) explaining how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.

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 2023-09-26 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/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 2023-09-26 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: GA

Complaint narrative:
I really didnt know too much about checking my credit but when I did I found 2 fraudulent accounts on my report which is XXXX XXXX XXXX fraudulent amount is XXXX and also XXXX XXXX XXXX  is fraudulent amount XXXX I have no knowledge of either one of these accounts

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 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2023-09-26 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.

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 2023-09-26 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
I am submitting this complaint to bring to your attention a critical matter related to the reporting of child support obligations on my credit reports by TransUnion and XXXX. 

Child support obligations are not credit transactions, loans, or debts. Despite this, both TransUnion and XXXX inaccurately reported my XXXX XXXX obligations as delinquent credit accounts, violating federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have not entered into any credit agreements or loan transactions with the XXXX XXXX XXXX, yet the inaccurate reporting of these obligations has severely impacted my creditworthiness and financial well-being. This inaccurate reporting also directly contradicts TransUnions own statement that they can not report delinquent child support to credit. 

I have diligently fulfilled my XXXX XXXX obligations in accordance with the law, and it is essential that these erroneous entries are promptly removed from my credit reports to rectify this violation of my rights. 

I kindly request that the CFPB investigates this matter to ensure compliance with federal laws and takes necessary actions to correct these inaccuracies, which have adversely affected my financial standing. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds consumer rights and adheres to the law.

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 2023-09-26 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a concerning issue that I recently discovered on my credit report. Specifically, a new late open account has appeared on my credit report, which is both inaccurate and unjustified. 

Upon reviewing my most recent credit report from your agency, I observed the inclusion of a late open account that I have no knowledge of and have never authorized. This entry, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history and is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I must emphasize that I have consistently maintained a strong record of financial responsibility, ensuring that all my accounts are paid on time. It is therefore perplexing and concerning to me that a late open account has appeared on my credit report, as this adversely affects my creditworthiness and poses a serious risk to my financial standing. 

In accordance with the FCRA, I am formally disputing the accuracy of this late open account entry on my credit report. I am enclosing relevant documentation that substantiates my claim, including [ list any supporting documents, such as payment records, correspondence with the creditor, etc. ]. These documents clearly demonstrate that I do not have any outstanding or late open accounts with the creditor in question. 

I kindly request that you undertake an immediate investigation into this matter to verify the accuracy of the late open account entry on my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and the necessary corrective actions taken to rectify my credit report within the legally mandated timeframe. 

The inclusion of this inaccurate information on my credit report has the potential to harm my financial well-being and my ability to access credit on fair terms. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure the accuracy of my credit report is promptly restored. 

Failure to address this issue in a timely manner will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. Please help me remove the following inaccurate items : OAG CHILD SU XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$6800.00}.

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 explanation
Consumer complaint received 2023-09-26 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: NY

Complaint narrative:
I am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

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