vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX - opened checking and money market accounts- deposited {$50.00} in cash, check for {$200.00}, and check for {$25000.00}. 

XX/XX/XXXX - received debit cards and temporary checks in the mail. 

XX/XX/XXXX - received lettered ( dated XX/XX/XXXX ) stating account was closed. Letter provided information regarding ways to receive funds. 

XX/XX/XXXX - called insurance company to request new claim check, told Truist cashed the check, it was cleared, and they have the funds. 

XX/XX/XXXX - waited 10 days, XXXXXXXX XXXX  called customer services to determine how to receive our funds back from our now closed account. " XXXX '' stated the account was in review process and she could not determine how long that would take. 

XXXX - called customer service, again, to determine how to receive our funds. Was told we needed to return to the branch and they would be able to help us. 

XXXX - arrived at XXXX XXXX branch at XXXX - waited for specialist to help us- worked with " XXXX '' who called Truist customer service on our behalf. Verified Truist is choosing not to do business with us. We asked how to get our money. We were provided the Early Warning System number and told to call Monday morning. We already know why our account was closed. 

XXXX - XXXXXXXX XXXX - called customer service, transferred to Fraud dept. and spoke with " XXXX ''. After over an hour talking ( 1 : ) 01:37 ) and being placed on hold, was told this department did not have any answer on how to retrieve our funds. Was told " XXXX '' would submit a claim ( which was already done, as we were told on XX/XX/XXXX ). " XXXX '' suggested we visit the bank again. 

Why are we being given the run-around? Truist cashed our NON-fraudulent check provided by a legitimate business and endorsed properly by all 4 parties. We understand fully that Truist does not want to do business with us, as we do not want to do business with them. Therefore, they should not keep our 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
Consumer complaint received 2023-08-07 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-08-07 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-07 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a email from Chase at XXXX XXXX XXXX stating that Thanks for requesting a new credit card, Soon after I received a email from XXXX XXXX that a hard pull was added to my credit. I did not apply for a new card. I called Chase bank and spoke to fraud division but was told they would mail info to me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am writing to respectfully request the removal of a late payment entry from my credit report, which I believe has been inaccurately reported and negatively affecting my credit history. The account in question is XXXX ( JPMCB - HOME LENDING ), and I am seeking this correction based on the existence of forbearance protections during the relevant period. The late payment was posted on XX/XX/2023. 

The forbearance agreement, effective XX/XX/2023, allowed me to temporarily suspend payments without incurring any late fees or penalties. As a result, the late payment entry on my credit report should not have been registered, as the account was under the protection of a forbearance program. Consequently, this negative mark on my credit report does not accurately reflect my payment history. 

I request that you please investigate this matter thoroughly and remove the erroneous late payment notation from my credit report. Ive attached documentation supporting my claim, including the forbearance letter provided by JP Morgan Chase. 

As a consumer, I understand the importance of maintaining accurate credit information, and I trust that you will prioritize fairness and accuracy in handling this request. A corrected credit report would greatly improve my financial standing and open up opportunities that have been impacted by this misreporting. 

Please respond in writing within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ) and inform me of the action taken to address this matter. If necessary, I am willing to provide any additional information or documentation to support my case. 

Thank you and I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: LA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Army and Air Force Exchange Service
State: KS

Complaint narrative:
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: LA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-08-07 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: LA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: IN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: NC

Complaint narrative:
Please see documents Attached

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 2023-08-07 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: MO

Complaint narrative:
Back in XXXX I requested for XXXX XXXX account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023 ; I received an email from Wells fargo about Payment Card Fraud Alert about 2 transactions that was approved that was unauthorized for : XX/XX/2023 XXXX XXXX XXXX for {$18.00} XX/XX/2023 XXXX for {$27.00} Immediately after that email I call my bank Wellsfargo and report the charges unauthorized. Stated that those transactions are not mine and that I have no clue what XXXX XXXX  was. 


Then received a resolution letter dated XX/XX/2023 received on XX/XX/2023 that my claim was denied due to the findings that the charges were authorized. 

To which I called my bank to know why it was denied and got no help or resolution.

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 2023-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had XXXX system for almost 10 years. XXXX XXXX recently took over from the old solar company. never been late with my payment since I had auto payment set up. recently due to their system change, they were unable to take the payment. this change of system issue been going on for than a year and every couple of months I would get call from different agent, stating they need to update billing information. with fraud and everything i been hesitant to provide payment details by phone. received another email and call beginning of XXXX and it's the same issue. this time I was waiting for a refund since they charged me late fee because of their failure to pull funds for system change yet again. instead to waiting a period so i can see refund, they reported to agency for late payment. called them right away and agreed to make the payment for XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was suggested to fail a dispute with Experian. However, even though account is paid in full and filed dispute 3 times, they are refusing to report to Experian that account is paid in full. my credit took a hit because incompetence from XXXX power company since they could not successfully merge to a new system. every time you call their collection department, they suggest disputing it and if you try to contact directly to person in charge of providing the updated credit information, they are not available. Very frustrating to deal with a company who does not value their client and ruining client 's credit because they are not competent to successfully take over a company and update to new system. For their error and incompetency my credit is taking a hit and very frustrating to try dealing with them for correction that was not caused by the client. Company needs to do better.

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 2023-08-07 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: CA

Complaint narrative:
I recently received a notification from XXXX XXXX  that my personal information was exposed during a data breach taking place earler this year. 
I also received a notification that a creditor on my credit report ( XXXX  XXXX XXXX XXXX had a data breach where my personal information was exposed. 

I have an inquiry on my credit report that I did not authorize or solict their products. 
XXXX. XX/XX/2023. Equifax I contacted Equifax on 5 different occassions : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. On all these occassions I was told that the item would be removed and was giving a conformation number. But whenever I called sharing the conformation number I was told it would take up to 30 days to be removed. During the last call I was told " it was not removed because we could not read your driver 's license '' I asked to speak to a supervisor and was put on hold for 27 minutes and once someone answered the call was disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: UT

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND EQUIFAX AS WELL AS XXXX TO RESOLVE THESE MATTERS SO NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: LEXISNEXIS
State: UT

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND XXXX AS WELL AS NEXISLEXIS TO RESOLVE THESE MATTERS SO NO RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: IN

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-08-07 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: IN

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good afternoon! I opened an account at Citi Bank using my personal phone number, which I still own to this day. The account with the phone was opened for me at AT & T. On XX/XX/XXXX my account was restricted due to two XXXX transfers. On XX/XX/XXXX, I called Citi Bank in the fraud department, according to the letter I received. I called more than 30 times, they tried to verify me using my phone number ( which I used when opening my account ). They could not verify me because they said that this number does not belong to me. Although I have confirmation from AT & T that the number and account belong to me. When I called again on XX/XX/XXXX, a bank employee told me that they sent me a letter with a verification code by mail, although I myself am outside the US, on treatment. My mom checks my mail. They assured me that the letter would arrive in 5-7 days. After 10 days there was no letter. I called again, already another employee told me that I had to wait 10-12 days. When asked how to verify in another way, the employee hung up. I called many times with a request to verify in a different way, since there is still no letter, I was refused. All my money is in my blocked Citi bank account, I can't pay bills and other payments because they hold my money. Please help me. What i need to do now?

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-07 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: IN

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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 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