vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a transfer for XXXX dollars to an account in XXXX. my transaction number XXXX. On XX/XX/XXXX, I contacted them through their virtual chat and they told me that they are having a problem with the transaction. They repeat this information every day I call, on XX/XX/XXXX I tell them that I need my money back since the XXXX limit according to the terms and conditions has passed. XXXX of their agents tells me that there is no problem and gives me a cancellation number ( number for cancellation : XXXX ), I contact them again on XX/XX/XXXX and they tell me that this number they gave me is false and that at the time they can not do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from XXXX and Transunion, and I noticed several credit inquiries listed that I did not authorize. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud. 

The unauthorized inquiries were made on XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XXXX I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,

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 2024-05-29 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My father died on XX/XX/year>. I quickly reported his death to XXXX for his XXXX XXXX credit card account and the account was closed. At some point, an additional charge for {$XXXX} came through and I accidentally paid it twice. 

I now have a {$XXXX} credit balance on this account as shown on the statement received at the end of XXXX. I informed XXXX of the mistake in writing on XX/XX/XXXX and received another bill at the end of XXXX still showing the credit balance of {$XXXX}. I called XXXX once I received the bill in XXXX and was informed the refund was being processed. 

I have just received another statement at the end of XXXX showing a {$XXXX} credit balance so it is clear the refund is not being processed. 

They are aware that the cardholder is deceased and the account has been closed so no further charges are possible and yet they are unwilling to process the refund to me. I can't get my attorney involved because I will lose money. I have already spent too much time trying to get this {$XXXX refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
It seems FCRA 605B obliges us to delete any incorrect accounts from my credit report. Could you check the documents? There are discrepancies in some of the listed accounts concerning the reporting, amounts, and dates.

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 2024-05-29 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Kindly delete these inquiries. I have no information about them, and the company acted without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please eliminate these inquiries. I am unaware of them, and the company did it without my permission.

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 2024-05-29 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Remove these inquiries. I do not have any knowledge of them, and the company proceeded without my consent.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Get rid of these inquiries. I don't know anything about them, and the company did this without my agreement.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account has always been paid on time, so I'm uncertain about the reasons for the late payment comments. As stated in 15 USC 1666b, billing errors need to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a fraudulent charge made to my card in XX/XX/2024 for {$3000.00}. I have called the bank multiple times with details of everything that happened, and their denial for the claim is not substantive. This is the third time now they have denied the claim, and are ignoring key pieces of information to validate the claim. I will not be paying any amount of the credit card due to their negligence in 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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
{$50000.00} Fraudulent ACH transactions over XXXX period in XXXX : I am filing this complaint on behalf of my XXXXXXXX XXXX XXXX XXXX  and I am the Financial and Health Power of Attorney ( See attached documents ). Since your System Requires filling complaint for Others '', my mother must have a phone and an email address. She is a XXXX XXXX and does not have private phone, nor has she ever had an email address. I filled out the Complaint form as " myself ''. 

My mother was paying the bills and balancing her own checking account until XX/XX/XXXX. She had XXXX hr in-home care paying for a professional service, then we moved her into a XXXX XXXX in XX/XX/XXXX. At that time, I took over her checking account and started paying her bills. 

I noticed that unauthorized ACH debits were on her XXXX statement. In XXXX I started calling these companies that made the unauthorized ACH, but did not get anywhere because I was not my mom. I went to the PNC bank in the middle of XX/XX/XXXX and told me not to shut down the account, because if I shut down the account, they would not be able to help me with the unauthorized transactions. I asked the PNC Bank branch manager to see if the fraudulent transaction would be reimbursed. He said would look into the account. Because PNC kept giving the account overdraft fees, I decided, against PNC " will '' to close my mother 's account on XX/XX/XXXX. The PNC branch manager put in a request at a higher corporate level to refund 3 months of fraudulent ACH transactions. I filled a police report in XX/XX/XXXX ( See attached documents. In XX/XX/XXXX I had another meeting with the PNC bank manager, and he said a Report was filed with corporate and he is still waiting for a response. The XXXX XXXX XXXX detective in XX/XX/XXXX, said he has many leads, a person of interest identified, and XXXX XXXX is involved because many ACH transactions accorded out of state of Illinois. I returned to the PNC bank in XX/XX/XXXX and asked if my XXXX yr old mother 's account will be covered by fraudulent activity, he said no. I contacted an attorney specializing litigation against banks, he said if it's not more than $ XXXX, then the case is too small. {$50000.00} would pay for 5 months in her XXXX XXXX, that's a lot of money. The XXXX XXXX XXXX detective confirmed we may get someone prosecuted and convicted but may never see any reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating this reporting account as unconfirmed information without producing proof within the legal time range is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX  XXXX Balance : {$XXXX} XXXX XXXXXXXX Balance : {$XXXX} CXXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX  XXXX XXXX Balance : {$XXXX} CXXXX  XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX : {$XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-29 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

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 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/year> I was in my KeyBank manager office asking for a wire transfer. The wire transfer department denied the wire transfer and then the KeyBank fraud department locked all my bank accounts. I have no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NJ

Complaint narrative:
Loan was moved from XXXX to EdFinancial weeks ago. I have not received any correspondence and can not talk to anyone because I have no account # s and social isnt in their system. I was promised customer service would be better. They are as bad as all the others. This puts undue pressure on the borrower. Things NEED to change or my loan should be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom this may concern, while checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681 ( b ) ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you main under my social security number. 

XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
I moved out of the rental property on XXXX XXXX in XXXX of XXXX. In XXXX of XXXX a bill for {$2500.00} pop up on my credit report. When I went to challenge and dispute the claim with XXXX XXXX XXXX I was told that the individual that I make my last payment no longer worked with XXXX XXXX  and new management had no longer and that they didn't have way to verify my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My account was hacked by XXXX on XX/XX/XXXX in the amount of {$990.00}. The phone number came from TD Bank this scammer hacked. The phone number spoof the phone number so it looks like TD Bank was calling me. I tried to resolve the issue with my bank, however they are not refunding the money even after doing a police report, I have all of my documentations still nothing

Company response to consumer: Closed with non-monetary relief