vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX XXXX i went to a Bank of America ATM located XXXX XXXX XXXX XXXX XXXX IL XXXX and deposited {$7500.00} into the ATM. ATM XXXX XXXX. I inserted my debit card out my PIN number in hit deposit cash and inserted XXXX XXXX dollar bills. The machine accepted the money and kicked back an old {$100.00} bill. I took that old XXXX dollar bill back and inserted another {$100.00} dollar bill. After inserting another {$100.00} the atm machine freezes and cut off rebooting itself once the atm powered back it said ATM temporarily out of service and my debit card was ejected from the ATM. I left my car parked at the ATM to prevent another customer from using atm while i went inside the branch to tell them about the transaction. I was told by the banker XXXX XXXX that i had to call the number on the ATM and make a claim. I return to my car and call the number where Im speaking with an automated system. I move my car the ATM is back up and working i go bank inside the branch to get help making the claim. The banker directed me to the option to speak with a live agent. I was on hold for 40 mins and made the claim. Im not sure the exact time of the transaction but it was between XXXX and XXXX. I was told when i made the claim I would receive a temporary credit after 2 business days of the XXXX while the claim gets investigated. Tues morning i did not receive any funds and my account was negative due to debits hitting my acct. i called again and was told per federal law they had 10 business day to before i get a credit. I called a could days later and each time i called i spoke with someone from a different state and with every person i spoke with and got different information regarding the claim. I have been faced with a financial hardship due to not receiving my money and all my bills being returned and unpaid. I expressed to the call takers that was the reason for the atm deposit to cover my XXXX bills. I have never paid any bills late or missed a payment and all my bills are still unpaid and i only been getting told its nothing they can do i now at a XXXX day wait with no answers in regards to my money. I was told on XX/XX/XXXX that when i initially made the claim on XX/XX/XXXX that the claim was never investigated and they would reopen the claim. As of today XXXX XXXX XXXX i have not got answers regarding the claim nor have i received money. Also my ACCT has been since closed. Please help me recover my money because Bank of America has put me in a financial bind.

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 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I requested a wire in the amount of {$350000.00} from my savings account to Citibank to a brokerage account at XXXX. I was later informed by XXXX that the recipient information was incorrect. On XX/XX/XXXX I provided Citi with the corrected recipient information and was told the wire would be processed. After 3 days of trying it became clear to me Citi was not able to send the wire, so I cancelled the transaction on XX/XX/XXXX. I was told it could take up to ten business days for the funds to be returned to my account. In spite of multiple inquires each week, it took until XX/XX/XXXX for any of the amount to be return, and only {$340000.00} has been returned to date. Multiple Citi customer service professionals have told me they do not know why the full amount has not been returned, and they don't know hold long it might take to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NJ

Complaint narrative:
Cashapp blocked my account due to suspicious activities. I was asked to contact them to have them give me access to their account. Ive contacted them numerous time and they give me an automated message that my account is being worked on. This happened on XX/XX/25 and they have not answered me or given me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
medical debt under XXXX was supposed to not be reported by the 3 cr burs as of 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 2024-01-29 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: MA

Complaint narrative:
I am writing to bring to your attention a dispute with Equifax regarding inaccuracies in my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax concerning the following issues, but to date, they have not responded. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I dispute the reported balance of {$1000.00} as I recall a lower amount. 
Request to delete the Past Due amount, as the account is closed and charged-off. 
Kindly mark this account as disputed to prevent negative credit score impact. 

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : This account does not belong to me ; please remove it from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : This account is not mine ; I request its removal from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : Dispute the reported balance of {$390.00} ; I believe it should be lower. 
Request removal of the Past Due amount, as the account is closed and charged-off. 
Mark this account as disputed while I resolve the matter with the creditor. 
Request verification of Date Opened, Date of Status, and First Reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MO

Complaint narrative:
Experian closed another complaint with this non monetary relief WHICH IS COMPLETE GARBAGE you stole payment history to steal money from people

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 2024-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was shocked to learn from a Chase Paymentech agent that my business funds had been held since XX/XX/XXXX due to the erroneous information that I had been deceased since XX/XX/XXXX. 

When I reached out to customer service, they informed me that attempts were made to contact me in XX/XX/XXXX via phone and email to verify the information about my supposed death. I want to emphasize that I never received any calls or emails from Chase Paymentech about my death. Plus Chase Paymentech was not able to forward me any emails, phone or voicemails that were done in XX/XX/XXXX. 

As a regulated financial institution, I believe they must verify critical information such as a client 's death with official documents such as a death certificate from the New York State Department of Health or other relevant authorities. 

Once I proved that I was indeed still alive and got all my business funds back into my account. I reached out to the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints to get the name of the entity or individual who gave them that information, and a copy of the death certificate used to determine their decision to hold my business funds. I need that information to correct it and prevent any future problems that could be dangerous for my business. 
Then I was told by the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints that my social security shows that I was deceased. 
I called and verified directly with them and they do not have that information. I even went to NYC Vital Records to get a death certificate ( absurd right? ) and they laughed and told me to move on. 

As a business owner, I need to protect my company and identity. 

I made several attempts with the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints and she refuses to give me that information. 

This is potentially an attempt at identity theft that I would like to correct and report to authorities. How can I be sure that any other of my business or personal information has not been compromised?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-01-29 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-01-29 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: MA

Complaint narrative:
I am writing to bring to your attention the unresolved issues I am facing with TransUnion regarding inaccuracies in my credit report. On XX/XX/XXXX, I initially contacted TransUnion to dispute the following information, but to date, I have not received a response. 

XXXX XXXX Account ( Account Number : [ Account Number ], Date Opened : XX/XX/XXXX, Balance : {$520.00} ) : The reported balance of {$520.00} is incorrect. I remember the amount to be lower. 
Kindly delete the information regarding the Past Due amount, as the account is closed and charged-off. 
I request that this account be marked as disputed to prevent any adverse effects on my credit score. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was in the process of closing a business account which caused my Wells Fargo truck payment to be declined. I received a phone call on XX/XX/XXXX and was told my account was late. I informed the supposed wells fargo employee that I would make the payment shortly after I corrected my bank account information. She pressured me to pay over the phone, however, I refused due to the number of scammers that are allowed to function in society today. She pressured and I refused. Apparently, this conversation didn't sit well with this person as i believe she sabotaged my account going forward, due to the following XXXX issues with my account : XXXX. I stopped receiving phone calls from Wells Fargo regarding my account. 
XXXX. I stopped receiving emails from Wells Fargo regarding my account. 
XXXX. The new account I set up for recurring payments ( I had to do deposit verifications for this account, so the account IS LINKED, ) however, my recurring payments that I setup apparently got cancelled somehow. I went back into my account to try to resetup the recurring payments but the website will not allow it ( attached ) which is even more indication that my account was tampered with. 

Due to the lack of notifications from Wells Fargo and the mystery cancellation of my new recurring payments, I received a 30 day late. This was the only notification that my account was past due. I have perfect credit and no lates on my credit report other than this one. 

I received the 30 late notification on XX/XX/XXXX from XXXX and I immediately called customer service but they could do nothing about it, so they opened an executive request. I received a call back from someone a week later. She was prepared to tell me something but apparently had no information regardng the problem. I informed her of the issues surrounding this account and she said they would get back with me. They never did. 

I have since paid off the {$60000.00} truck loan as I can no longer trust doing business with Wells Fargo due to this issue and their lack of concern for it. They apparently think I'm just another person who does not pay their bills which is obviously not the case here.

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 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Someone rang the doorbell at XXXX XXXX CST on XXXX XXXX My landlord answered the door and told them he was not me and I wasn't available. The person at the door just dropped the papers. Papers that were not in a sealed envelope and had all of my personal information on them. This is an attempt to release my confidential information to a third party about an alleged debt. Second, these documents are made to look like an official court summons but is not. It doesn't have a docket number on them and just has an internal number attached. This is using unfair debt collection practices to intimidate me. Third, I do not know what this debt is and have never contracted any kind of debt with the entity they are claiming I owe. This is attempting to collect on a debt that is not mine. Lastly, I have contacted this company in the past and explained to them how I am on XXXX, medical and XXXX government assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only meager amount of money that I make is from selling my personal items online. I am XXXX currently and do not take kindly to being harrassed. I asked them to stop all contact with me now and in the future which is a further violation of my rights and is harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax data breach my infrormation was affected therefore i am asking you to delete these accounts off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Sent notice to Navy Federal to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I, the consumer was not given an explanation of how I can exercise that nondisclosure option. Nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
I need to understand why i am getting charged interest AND a customary fee EVERY 2 weeks. The interest i understand but the customary fee is illegal and unfair. It's 260 % of the loan EVERY 2 weeks. Based on what i have read and discussed, MoneyKey is violating federal law and stealing money from it's customers. If i am wrong then please explain this fee to me.

Company response to consumer: Closed with explanation