vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: PNC Bank N.A.
State: PA

Complaint narrative:
Hello Everyone, I am an international student at XXXX XXXX, XXXX. I want to bring up an incident that happened to me last month. On XXXX XX/XX/2022, a fraudulent money withdrawal transaction was done from my PNC Bank Account. The cash withdrawal slip made the withdrawal. At that time, I wasn't in XXXX ; I was in XXXX, Minnesota. There are no PNC Banks in Minnesota. The debit card was with me all the time when I was there. The day before the fraud, {$900.00} was deposited into my bank account. 

When I got the notification of the withdrawal, I immediately called customer support ; The representative told me that the signature on the withdrawal slip didn't match the signature associated with the account. And she also said that there is a policy in PNC that before taking out withdrawal, at least two ID verification proof is needed. The customer support asked me to wait for at least 1.5 months to 3 months. 

After returning to XXXX, I visited the bank for help ; the manager said that she couldn't do anything and asked me to wait for the period that customer support told me. 

Right now, I am only left with {$260.00} in my account, and my loan amount will not come to me until XX/XX/2022. 

I did a police complaint today, i.e., XXXX XX/XX/2022, about the same, and reported to the bank ; the manager again asked me to wait for the time frame and said we couldn't do anything for the complaint.

Also, she told me that the affidavit was sent to my mailbox, and I didn't respond, so they closed the incident. However, I have never received any testimony. The incident number for my case is XXXX. 

And today on XXXX XX/XX/2022, again a fraud transaction was done by someone to pay a discover card payment of {$1700.00}. I also reported a police complaint about the same today i.e. XXXX XX/XX/2022. I don't know what is happening with my account. 

I am a student and this is my loan amount. Right now the current balance of my account is- {$1400.00}. 

I am really very stressed by this. I am not able to concentrate on my studies also as almost {$2700.00} is not a small amount for me. I have to pay my bills and I have to get groceries to eat food. 

Please help me with the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX SERVICES XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXank ) XXXX XXXX XXXX & amp ; XXXX Bank XXXX XXXX XXXX ( Bank ) CXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX CAPITAL XXXX AUTO FINANCE ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from Oportun on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: NY

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/10 I noticed 3 unauthorized transactions in my Chime checking account, I filed a dispute with chime for these 3 charges totaling {$1200.00}. With in 3 hours of my filing the dispute Chime close the dispute and found against me saying no error occurred. They did not even give me time to submit my proof before closing the dispute. 

I want Chime to actually dispute the charges and do their job as a financial institution. I want the {$1200.00} credited to my account while they investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-11 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: DC

Complaint narrative:
I submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report # XXXX. Equifax did not remove all inquires requested in the report. The left the following inquires ( 1 ). XXXX XXXX XXXX and ( 2 ) XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NY

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2022-02-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
so i overdrfted my citizens bank of {$45.00} too my XXXX  ..few hours later i refunded the money to the bank... the bank account got closed for fradulent activity band i havent been able to open another bank ever since..whenever i try to open i get the message saying : due to the consumer report information provided your account cant be opened..so ireally dont know what to don..im just hoping you guys can resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: DC

Complaint narrative:
On XX/XX/XXXX I submitted a CFBP complaint # XXXX stating the following I did not consent to authorize nor benefit from any of the following inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. And requested Experian removed the inquiries listed in the FTC Report. Experian did not comply to my request and is currently in violation and I will seek litigation if this matter is not rectify. I submitted proof of my identification and provided Experian authorization to remove the requested 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 non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital LLC at XXXX # XXXX XXXX XXXX XXXX XXXX, AL has been sending me collection notices in the amount of {$1800.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am not XXXX XXXX XXXX I am not affiliated with her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX  to check my credit score. I also noticed another highly impactful Revolving credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job Target/Td on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: USCB, Inc.
State: CA

Complaint narrative:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful Revolving credit card that was NOT taken out by me from citicards Cbna for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

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 2022-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with Bright Lending. I have never ever done business with Bright Lending or XXXX for that matter. 

I have emailed XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am not XXXX XXXX XXXX I am not affiliated with XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: MI

Complaint narrative:
They are still reporting this negative item to my credit report. I am the consumer and natural person. i did not give them permission to furnish my consumer report ( permissible purpose ). these negative items are negatively affecting my reputation.

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 2022-02-11 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: MI

Complaint narrative:
They are still reporting this negative item to my credit report. I am the consumer and natural person. i did not give them permission to furnish my consumer report ( permissible purpose ). these negative items are negatively affecting my reputation.

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 2022-02-11 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: Penn Credit Corporation
State: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: IL

Complaint narrative:
Just recently I sent you a letter to reinvestigate the inaccurate and incorrect items from my file, but your reinvestigation doesn't resolve my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: IL

Complaint narrative:
Just recently I sent you a letter to reinvestigate the inaccurate and incorrect items from my file, but your reinvestigation doesn't resolve my concern.

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 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My account was credited XXXX $ and that got sent to 2 different people I was scammed into being a money mule and Ive tried to contact chase and work out what I could do and they just say they dont see anything but I get letters from J.P. Morgan and on my app saying that they are requesting the XXXX $ back I dont have and Im in the military and joined account with my dad I have all the information of the other person that I need

Company response to consumer: Closed with explanation