vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: NV

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: NE

Complaint narrative:
Hi on XX/XX/2023 my chime account was hacked, I left the the gas station and left my card there, on the way back I looked up the number to chime and got a rep on the phone, I asked them to lock my card because I left it at a gas station, the man said he would, a few minutes later I found my card and asked him to unlock it, he then told me that I had to follow his directions and he would put my money back onto my card, he then had Mr put an app on my phone called XXXX, then before you know it I could physically see that he was entering an email address and moving my money from my account, I could see him remotely doing it and I did not know what he was doing, when I asked what was happening he assured me that he was moving my money from checking into my savings, at this point I started to get nervous and hung up the phone and tried calling chime back then the guy I was talking to called me back, I felt like something was wrong so I hung up again and called chime again, when I got somebody new on the phone I told them what was going on and they said that I wasn't talking to them qt all, at this point I knew that I was just scammed, so I asked them to stop the payment and told them what had just happened minutes prior, they told me they couldn't, I it was to late, I explained that I didn't authorize it and that it wasn't me, I opened a dispute and sent them phone numbers that were used and screenshots of the app that was on my phone, I made a police report and contacted the ftc and made a report I the denied my dispute and have denied all XXXX of my rebuttals, I have spent countless hours talking to chime and sending emails and reaching out to get my money back. They keep telling me that they found no error, chime will not send me any info on why or they won't let me talk to the investigation team nor will they let me talk to these fraud department, they just won't give me any info. I also reached out the the bbb, but I don't know what else to do. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I WAS NOTIFIED OF A DATA BREACH FROM MY LIFE INSURANCE COMPANY AND I WANTED TO FREEZE MY CREDIT. I ATTEMPTED TO CALL EXPERIAN XX/XX/23 AT 3 DIFFERENT NUMBERS ALL THAT TOOK YOU TO THE SAME AUTOMATED MESSAGE THAT WOULD CUT IN AND OUT REPEATADLY BUT WOULD NEVER TRANSFER YOU TO AN AGENT. SO I GAVE UP ON TRYING TO GET THROUGH BY PHONE AND WENT TO THEIR WEBSITE ENTERED ALL MY INFORMATION AND THE LAST STEP TO COMPLETION WAS TO ESTABLISH A USER NAME, AFTER SUBMITTING ABOUT 10 USER NAMES, EVERY TIME I TRIED THEY WOULD BE REJECTED AS BEING USED BY ANOTHER PERSON ( HARD TO BELEIVE ) SO I COULD NEVER GET MY REQUEST SUBMITTED. SO I WENT BACK TO THE PHONE, SAME RUSULT. I ALSO CALLED XXXX XXXX AND XXXX THAT WERE FLAWLESS AN HAD MY REQUEST COMPLETED IN ABOUT 10 MINUTES. ALL I WANT IS PHONE NUMBER ANSWERED BY A PERSON ( NOT AN AUTOMATED SYSTEM ) SO I CAN GET MY CREDIT FROZEN. ANY ASSISTANCE WOULD BE GREATLY APPRECIATED. THANKS,

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 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XX/XX/XXXX Bank of America without notifying me placed a DEBIT/HOLD ( their description ) of XXXX for XXXX  from the State of Massachusetts. The XXXX from the State of Massachusetts was for XXXX and as of XX/XX/XXXX Payment in full has been made to the State of Massachusetts.

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 2023-08-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

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 2023-08-23 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 notified by Transunion that there were some suspicious activity on my credit report. After reviewing my credit report and multiple Identity Theft reports filed in the past and Transunion information breaches I was again a victim of Fraud. On XX/XX/XXXX someone gained access to my online transunion account and accessed my personal information again and removed my Credit Freeze. On XX/XX/XXXX someone without my consent applied for a loan through XXXX XXXX. I contacted Transunion and informed them of the issue and submitted a Notarized Identity Theft report and sent it Certified mail. I called on XX/XX/XXXX to have the Fraud Inquiry removed " XXXX XXXX INQUIRY XX/XX/XXXX '' and the representative refused to help me!

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 2023-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: CT

Complaint narrative:
Their payment system was down from XXXX On the morning of XX/XX/2023 we paid the mortgage payment that was due for XXXX. 

As of XX/XX/2023 their platform states the payment is still pending and we're receiving late payment notices in the mail from them. 

However, this is not the most frustrating part ( though it is concerning. ) We've attempted to contact them at least XXXX times ; once via email, and multiple times via their numerous " customer care '' numbers. These numbers all lead to an infinite loop in which you are asked whether you want to wait on the line or receive a call back. 

If you select wait on the line it routes past to a survey then hangs up on you. If you select a call back the call never comes. I've tried to get ahold of someone through every extension offered ; it is intentionally designed so that anything that can not be handled automatically is routed to the dead end ( XXXX ) We have never missed a payment or made a late payment and now we fear due to this company 's unscrupulous/non-existent customer care ; it will create trouble for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson capital garnished my wages and state income taxes, they received more than the garnishment was for, so the extra {$79.00} was applied to a zombie debt from 2013, now they are refusing to close the accounts I paid off via garnishment because they reopened that old account from 2013, this is wrong and it's past the statue of limitations on that debt. The garnishment was for the debt for {$470.00} and {$790.00}, those were paid, those are what I have disputed several times to have removed from my report, I have signed judgement paperwork stating I paid that in full, It wouldn't let me submit it with the dispute or I would have. Now Jefferson capital is sending me settlement letters for the 2013 debt since they reopened that account!! Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
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.

has violated my rights. Or list of inquiries 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 2023-08-23 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: MS

Complaint narrative:
I am a vicitm of identity theft. I have been trying to fix my credit and sending the correct information in per the FCRA. The reporting agencies continue to not process my disputes correctly. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputes are not being handled per the FCRA and I am not getting copies of the verification process

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXXXXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A 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 2023-08-23 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXXI- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I make a purchase at Beyond the Soap Beauty Ba at XXXX XXXX for the amount of {$64.00} and another for {$160.00} after the second purchase me and my wife was advise the because our purchase was over {$200.00} dollar we where allow to participate in a program the store offer call before and after in this program you get six ( 6 ) facial treatments with a facial machine at the store and they gift you {$350.00} in facial products by only authorize the store to take photos of your face fir advertising as we accept during my facial procedure with the machine I start feeling dizzy do to the effect of the machine that triggers XXXX in persons that suffer light sensitivity to lights as I suffer from XXXX diagnosis by a XXXX I was in a pre XXXX attack at that moment the sales person ask me for my credit card to make a refund in the purchase of the two product I buy because they will give me the gifts of the products for accept the before and after promotion as I give him the card for the refund I was almost out do to the XXXX at that time he came back with the bag of gifts and tell me the receipt for the refund was on the bags as I go out the store find my wife at the XXXX XXXX and she ask me how I look in the middle of the XXXX attack I find out that the machine they used on my trigger the XXXX, my wife find the receipt for a charge of {$1900.00} not the refund, we go back to the store to return the products but the employees can do the refund because the manager wasnt at the store to call the next day as we call and take us two days later to get in contact to talk me no return policy the credit card company denied my claim for no evidence but pay the merchant three ( 3 ) days later when ask me to wait five ( 5 ) days for the charges to show up I call the XXXX XX/XX/2023 and they pay on the XXXX XXXX XXXX never authorize the purchase of this products I have them on my possession waiting to be returned to the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A check was stolen from me and cashed by the thief, a police report was file and bank refused to refund me claiming it may take up to 120 days.

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 2023-08-23 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: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX my Bank ( Truist ) emailed me a notice of Suspicious activity on my debit card ending in XXXX. I called them to confirm it was XXXX. They killed the card and sent another card to me by mail. I never received the replacement card. 

On XXXX my Bank send me another notice of Suspicious activity on debit card ending in XXXX. This card is the replacement card for the other card ending in XXXX. 

I called the fraud department XXXX and there were 14 fraudulent transactions on my account with the XXXX-card totaling {$4200.00} that were done on XXXX. 
They told me that they killed my card, and they will reissue another card. They told me all of the 14 transactions were pending, and I would have to call back when the charges cleared my bank to start a claim. I called back when the charges cleared to start the claim. They told me that they would do an investigation. 

I got a response from the bank saying that the claim was denied. 
Come to find out whoever set up my initial claim # XXXX put in the claim that I was in possession of the card, which is false. I never did receive the card. So, when I received this information, I called the fraud department again to have them change the claim paperwork. I have called several times in the following weeks, many times not getting through to them at all. Finally, I got in touch with them, and they said the claim was denied. How can they deny the claim if they are the ones telling me about the suspicious activity? 
I never received this card! There were several transactions at merchants who have surveillance systems. They never once reached out to these merchants to look for any proof, so they did no investigation at all. 

I filed a Police report with the XXXX XXXX  Police Report # XXXX Financial Crimes Unit XXXX sent email to XXXX Have not gotten an response back from them at all. 
I would like for them to check the surveillance activity on this day at these merchants to prove It was not me making these purchases. 

I want to be reimbursed for all of the fraudulent charges. {$4200.00}

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 2023-08-23 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: NC

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief