vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
In XXXX I had a deferment of my payments when it changed from a line of credit to an conventional loan. I also deferred my payments to the end of the loan due to covid epidemic. Through this time of deferment this company has Reported late payments to the credit bureau as being late. This needs to be change as it was in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX 's XXXX XXXX XXXX XXXX  XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX XXXX XXXXXXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.

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 2023-06-29 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: MO

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 2023-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/23, I received an e-mail stating that XXXX XXXX was charging my account for {$290.00}. I responded by email but it did not go through, so I called the number in the email to tell them that I didn't want their service. The man who answered said he was reversing the charge. 

Almost immediately after I hung up, a man calling himself XXXX XXXX called and claimed to be from XXXX XXXX XXXX  XXXX XXXX XXXX. He told me that I had been scammed by XXXX and my credit card had two fraudulent charges on it. He told me to protect my bank account from cyber fraud I needed to open an account with XXXX XXXX XXXX and wire my savings into it. He told me Citibank is being hacked so I had to hurry before fraudsters took it all. He said XXXX was a safe wallet to hold my money until I opened an account at a different bank. 

I opened an account with XXXX and XXXX XXXX sent me an email with instructions for completing the wire transfer from Citibank. I went to my Citibank branch and was assisted by XXXX XXXX. I made a wire transfer of {$50000.00} to a XXXX bank account XXXX XXXX claimed was owned by XXXX. 

Later I was concerned and looked up the phone numbers for the man calling himself XXXX XXXX. I was not able to verify they belonged to him, so I contacted XXXX to ask if he was one of their agents. I received an email verifying that he worked for cyber fraud investigations and was legit. The email had XXXX logo in it, but I didnt realize at the time that it came from a XXXX address. I was then told my XXXX account had been locked and I could not transfer money in or out of it. The scammers were somehow able to access the funds and withdrew them from the XXXX account. 

The next day, I went to Citibank and asked them to reverse the wire transfer. They did an investigation and two months later stated that XXXX wouldn't return the money, so it was my loss to bear. 

I am a XXXX XXXX and I have been banking at Citibank for about 20 years. Despite the fact that this transaction involved a very large amount of money and I had no history whatsoever of such transactions, neither XXXX XXXX nor anyone else at the Citibank branch asked me any questions during the face-to-face interaction to screen for or warn me that I might be a victim of a scam. I am informed that this type of scam is very common, and it would have taken only seconds for a Citibank employee to ask a few questions and provide me enough information to help me to realize that I was being victimized. Instead, Citibank collected the {$35.00} wire transfer fee, sent the money out of my account, and provided no assistance in recovering it.

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 2023-06-29 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-29 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: FL

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate.By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-06-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX date XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

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 2023-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX GA XXXX REFERNCE NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOWNEBANK
State: NC

Complaint narrative:
Security fraud, Ignoring the power of attorney, Identity theft is taking the promissory note that the P.O.A. gave a signature to and credited that promissory note as it belongs to them. We need to see the actual copy. Please mail it to the power of attorney because it was made pay to the order of TOWNEBANK transferring the interest on the note to TOWNEBANK. Power of Attorney XXXX, XXXX XXXX/ Agent authorizing one party to the interest of one instrument specific and clear to the point so, Identity theft the moment a signature was put on that promissory note it was XXXX XXXX XXXX promissory note and I XXXX, XXXX XXXX / Agent perfect performance of the transfer of the interest in it to the secure party creditor who must credit the face value. Identity theft is stealing the signature and putting that instrument in street name not giving XXXX XXXX XXXX the credit which is the face value of the instrument. They act like they gave consideration, that's what this is all about authorizing one party to the interest of one specific and clear to the point, the moment a signature was put on that promissory note, that was XXXX XXXX XXXX promissory note. I XXXX, XXXX XXXX / Agent did perfect the transfer of the interest in it to the secure party creditor who must credit the face value of the note. XXXX XXXX in XXXX, NC.

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 2023-06-29 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: GA

Complaint narrative:
I was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, and an XXXX XXXX XXXX XXXX # XXXX on my XXXX and trans union XXXX XXXX XXXX XXXX XXXX on my trans union.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Lexus Nexus, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I XXXX XXXX went into Wells Fargo bank located on XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX and cash my check. On XX/XX/2022 I XXXX XXXX went back to the bank to pick up the money then they said alert came up and they had to verify the check. XXXX XXXX the small business banker was on the phone with them then he came back and ask if I had a twin brother and I said no then he went back into where the phone was and was talking. After that I called the fraud department and after I kept calling they said I cant call anymore because supposedly I didnt open the account. In XXXX they said the account was closed and I still havent received my money from my check. The amount was {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
My wallet and personal info was stolen in XX/XX/2023. I had filed a police report wit the local police station. The thief was able to access my personal information and was able to verify the activation of the card with the customer service agent on XXXX occasions. There are fraudlent charges on the card in XXXX and XX/XX/2023. 

The credit card company is not removing the fraud transactions and is making me liable to pay for the amount. 

I have filed XXXX police report with report numbers 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 explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this mortgage was foreclosed on XX/XX/2019 however XXXX XXXX XXXX repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this mortgage was foreclosed on XX/XX/2019 however XXXX XXXX XXXX repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly

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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY

Complaint narrative:
Because I no longer have access to my old phone number and my email account XXXX  money won't let me change the phone number and email address so I can access the app and check out my transactions and you know everything that goes wrong with having a bank

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