vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
About a year ago I went to a car dealership named XXXXXXXX XXXX XXXX or XXXX XXXX XXXX- one of the two- and decided to purchase a decent vehicle. no longer after 4 days of using the car, it had flaws and by my mistake regretted purchasing the car and decided to return it. 

they were refusing to take back the car, but we were honest about the quality and that it was not how we expected it to be and said we kindly want to return it and it did not matter to me if my credit would be at risk. 

They said through the phone time and time again that they were going to fix it and cancel my contract with XXXX XXXX. The dealership kept the car promising that they were cancelling all contract with that particular bank. 

Fast-foward, I come to find out that they are using my social and credit to keep the money and the car while they are confidently running my social. 
They permanently close shop and it wouldn't be a surpise if they did this to other clients.. 
Please Help

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/23 we sent a check to XXXX XXXX for payment of cars for {$74000.00}. That check was fraudulently cashed by a company and I do not have that $ $ back in my account. I sent a replacement check to XXXX XXXX on or about XX/XX/23 and that check was also fraudulently changed to a different payee and cashed by a XXXX XXXX. We realized this check was fraud and contacted our bank representative XXXX and customer service immediately. We were told they would issue a stop payment on this check and assured us this check would not be cashed and there was nothing additional we needed to do on our side. The next day this check cleared our account as Bank of America issued a stop payment on the wrong check. We were told by Bank of America that now we need to file a fraud claim on this check and it wound take up to 90 business days to get our $ back in our account.

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 2023-07-18 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: FL

Complaint narrative:
This issue has been going on since XX/XX/2023. All of the credit bureaus and XXXX are doing illegal things. Per 15 usc 1681 b as a consumer, If i did not give any company or bureau permission to furnish any of my information then it must be removed. The information thats reporting is false as well. I will give you all 30 more days to reinvestigate these matters correctly so that the issue can be resolved once and for all or else I would have to seek legal action pronto!

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 2023-07-18 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: FL

Complaint narrative:
This issue has been going on since XX/XX/2023. All of the credit bureaus and XXXX are doing illegal things. Per 15 usc 1681 b as a consumer, If i did not give any company or bureau permission to furnish any of my information then it must be removed. The information thats reporting is false as well. I will give you all 30 more days to reinvestigate these matters correctly so that the issue can be resolved once and for all or else I would have to seek legal action pronto!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX i made a mobile deposit to Capital One Bank and received an email saying the deposit would be placed on hold until XX/XX/2023. I understand the process of letting the funds clear to ensure the check was good. I did not receive any other notifications. On XXXX XXXX I call customer service and ask when the deposit would be available and was told the check now looks suspicious and would not be released until XX/XX/2023 at XXXX XXXX. They then tried to call to person who wrote the check and did not get an answer. This person should not have to justify themself to my bank for any reason. I am now without my money for 60 days because of some person at the bank. I tried to cancel the deposite and they would not let me. I did not ask them to trust anyone, they had enough time to clear the check thru the other bank. Other than some XXXX handling the account i can think of no reason to withhold this check if it has cleared. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
This issue has been going on since XX/XX/2023. All of the credit bureaus and XXXX are doing illegal things. Per 15 usc 1681 b as a consumer, If i did not give any company or bureau permission to furnish any of my information then it must be removed. The information thats reporting is false as well. I will give you all 30 more days to reinvestigate these matters correctly so that the issue can be resolved once and for all or else I would have to seek legal action pronto!

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 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional  distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XXXX I asked Chime to mail a check to XXXX for XXXX to cover health insurance. On XXXX I received an email from. Chime advising the check was cashed by XXXX. 

The following week XXXX advised that payment was not received. I began contacting Chime then asking then to provide a copy of draft or whatever information I needed to give XXXX so they could locate my payment. 

I have a request open with Chime since XXXX. If they can't prove check was cashed I think they should refund my money. I'm XXXX XXXX XXXX and on a fixed income so this is a lot of money to me. Thank you in advance for your assistance. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called Bank of America back in XXXX 2023, to report I received a bank card that was issued to me the problem was it wasnt my address and I didnt open the account. I explained this to them and their fraud department, they claimed the account was open online and based on the transactions it was definitely opened fraudulently. Today XX/XX/2023, I was given another piece of mail containing a bank statement from Bank of America again my name but wrong address. I called again. I was told there is a case open and its under investigation but they REFUSE to close the account until I provide them with a copy of my ID as well as other personal information such as my social security number, address, etc All the transactions were made out of state and most through an app called XXXX. I dont know how they could open an account online without an ID but wont close it unless I provide them with my personal information ( which if it was an actual account they would already have it ). When I asked to speak to a supervisor at Bank of America I was denied! I have spoke to BOA and there fraud department and I cant seem to get anywhere without giving them personal info. I have no credit cards, loans with them or bank accounts. I just want the account closed its affecting my life!

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is not updating since XXXX 2023, just trying to get them to update my balance/ credit limit. 

XXXX sent new cycle and information to TransUnion but still no update.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I got XXXX XXXX XXXX, and unfortunately I had to enter an emergency due to my level of pain, they treated me as it should have been, but the XXXX was postponed, after that I only received a XXXX instead of XXXX XXXX XXXX. They left me for observation for XXXX days despite the fact that my state of health was controlled and the surgeon did not show up to explain the current situation or why they left me an extra day. This whole situation arose when I did not have health insurance. My medical expenses insurance was discharged XXXX week after my XXXX, I received an account statement of XXXX XXXX dollars and no one approached me to review payment options, I have tried many times to dial them, and I even went to look for financing but without any response, this week I realized that they sent my balance to collection even though no one answered me and that they have not been able to call me back to fix or solve the situation, I want to see if there is any way to find a foundation that Help me pay my current debt or, failing that, look for the option for the hospital to give me a discount on the services applied, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi, I noticed there were several inquiries on my credit report. I have made the bureaus aware of this and informed them these inquiries were made without my consent, knowledge, or authorization. I have sent out letters recently and have tried on several occasions to resolve this issue with the companies and banks. I have also sent out letters to the credit bureaus. 

I am hoping you are able to help rectify this issue, as it's frustrating and challenging to be a victim of any company 's fradulent and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a promotional email on XX/XX/XXXX for a Citi Accelerate Savings Account. The bonus amount was {$450.00} for a new account opened online, if {$50000.00} was deposited within the 20 day deposit period and held for 60 days. I opened the account on XX/XX/XXXX and funded that same day with {$200000.00} and held it the required time. I was told the bonus would be paid on XX/XX/XXXX, after the 60 days plus 20 days had expired. I did not receive my bonus as I should have. I have called Citibank on multiple occasions to resolve this and was told it would be resolved multiple times, and it has not. The latest attempt was a chat on XX/XX/XXXX where they opened a dispute case for the onus, XXXX. A week later, it is unresolved. I called again and they said them mailed me a letter ( I did not receive it ). They said I was not eligible because the bonus is for targeted customers only and I needed to have an email. I explained I was sent the email invitation on XX/XX/XXXX with invitation code # XXXX. Upon opening the account the promotion code listed was XXXX. Many agents agreed I was entitled to the bonus. Subsequent agents I spoke with don't read the notes and give false information. 

Citibank has committed fraud. I have requested they correct the bonus and credit {$450.00} to my account ending in XXXX. I also requested an ADDITIONAL {$450.00} due to spending several hours trying to resolve their mistake. I had three separate accounts that would have been eligible but understand the promotion was only valid for the account ending in XXXX. 

I called on XX/XX/XXXX and they opened a new dispute case on XXXX. They are stating I need to mail them the email letter. This is absurd.

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: OH

Complaint narrative:
Between XX/XX/XXXX and XXXX XXXX took XXXX out of my account this was unauthorized they autorenewd already cancelled subscriptions and refused to give me my money back so I contacted my bank Money Lion to dispute the charges and today XX/XX/XXXX is the XXXX day since I filed my disputes and under regulation E they have XXXX days to resolve dispute or issue a provisional credit while they continue to investigate and they havent issued updated and keeps saying I may not be eligible for the credit when I sent the written confirmation in on the same day I filed the dispute and the unauthorized transaction meet the requirements under regulation E and they refuse to connect me with the dispute department or giving me a update furthermore more the deposits that were posted into my account by mistake were XXXX payments made out to me for my daughters and these checks are to be used for their expenses only they have no obligation with anyone to owe any money

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