vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts : XXXX XXXX XXXX {$1500.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} Also Experian keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.

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 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding a case of identity theft and unauthorized financial transactions that occurred between XX/XX/XXXX and XXXX XXXXThe details of the incident are as follows : On XX/XX/XXXX late afternoon my phone ( the number is XXXX ) showed SOS no signal, I went to the phone store they told me my phone number had been unauthorized port out, I lost my phone number. 
On XX/XX/XXXX, me and my family had flight to outside the country before the airplane departing my wife login to our Chase bank account saw the unauthorized wire transfer, resulting in a loss of {$9900.00}. 
During XXXX, the thief use my phone number and my personal information to open 4 credit card. 
Also from XXXX XXXX XXXX the thief try to use my Chase credit card to make purchase. 
- On XX/XX/XXXX, when I get off first stop by airplane, I immediately contacted Chase Bank to report the unauthorized transactions and froze all my credit accounts. 
XXXX XX/XX/XXXX when I come back to U.S - I contacted local law enforcement and filed a police report at Police Station XXXX 
- I also filed an Identity Theft report online. 
- I provided a letter from XXXX XXXX XXXX certifying that my mobile phone number was stolen. 
- I contacted the major credit bureaus notify about the identity theft. 
- I called to dispute the credit cards by thief opened. 
Unauthorized Accounts and Transactions : -Wire transfer by Chase , Account number : XXXX Amount : {$9900.00} - Credit card opened by thief - [ ] XXXX XXXX - XXXX ] XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Chase credit card they try to purchase from XX/XX/XXXX XXXX XXXX, the credit card number is : XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX. XXXX XXXX XXXX. {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX. {$1300.00} XXXX. {$3000.00} XX/XX/XXXX. XXXX XXXX {$500.00} XX/XX/XXXX. XXXX XXXX. {$2600.00} I kindly request that the FTC investigate this incident thoroughly and take appropriate actions to help resolve this case. I believe that the circumstances surrounding this identity theft indicate a clear breach of security and negligence on the part of Chase Bank. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please do not hesitate to contact me if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX Chase had alerted me and said that they thought fraud was taking place on my account for {$150.00}. I agreed that that charge was fraudulent and locked my card. Chase authorized a new card to the account. After my card was locked and they reissued a new card my account they allowed for a total of 27 charges. 
{$150.00} charge nine times {$63.00} is charged once {$40.00} was charged once {$2.00} is charged eight times {$2.00} charge once I had a meeting with one of the bank specialist to figure out how this happened. They said they're able to access my digital wallet they would return the funds charged by XXXX XXXX. And that it would take two days. However the only reversal that was made was {$2.00}. and then they found that the other charges were not able to be refunded because the scammers had my card information... 

For Chase to alert me that there is from my account but still don't allow 26 more fraudulent transactions is a failure on their to part to protect my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
I did not initiate these Accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: AL

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: CA

Complaint narrative:
Im currently in litigation with XXXX XXXX XXXXXXXX and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these XXXX  You can see that prior to the false reporting I have mentioned below - I have never had a late payment to XXXX XXXX XXXX!!! Ever XXXX XXXXXXXX XXXX XXXX XXXX and XX/XX/XXXX. Shame on this financial Institution for doing this to 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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
According to the federal credit bureau This creditor XXXX and Citi bank visa credit card have violated my right. 

In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to

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 2023-10-03 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: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Tally Technologies
State: NE

Complaint narrative:
An account from TALLY TECHNOLOGIES INC is appearing on my XXXX credit report with a balance of {$3100.00} opened in May. I do not recall this account ever being applied for or agreed to.

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 2023-10-03 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: 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 2023-10-03 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: FL

Complaint narrative:
I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} Also XXXX keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.

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 2023-10-03 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: FL

Complaint narrative:
I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} Also XXXX keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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:
My credit was pulled for a loan with a credit union for a land loan. The next day I received over XXXX calls ( and its only XXXX ) and multiple texts from mortgage companies. My wife received just as many calls and texts as I. One of the credit bureaus is providing my inquiry with all of these companies, I assume for profit and it is wrong. I have been harassed all day long with all of these interruptions. This is nuts and unacceptable!

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A business card that I had with American Express from a previous business was used fraudulently for a hotel stay. I disputed the charge with American Express and they accepted and applied the dispute amount to someone elses credit card and kept this card open. The fraudulent charge remained on this card without my knowledge. American Express closed by active business card without my knowledge leading to a bad credit filing. Ive been a card holding member of American Express since 1991. American Express acted negligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to bring to your attention a pressing matter concerning a recent transaction on my credit card account, which I firmly believe necessitates an immediate chargeback. The details of the issue are as follows : Transaction Details : Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant Name : XXXX  Description of Goods/Services : Unauthorized charge for services not agreed upon The heart of this matter lies in the unauthorized charge of {$790.00}, which was processed on XX/XX/XXXX by XXXX. I wish to underscore that I did not authorize or consent to this transaction in any form or manner. 

CitiBank has responded with the following : ( I have attached the letter as well ) We respectfully decline your request to issue credit for the disputed {$790.00} XXXX charge that billed to your account on XX/XX/2023. We previously requested that you provide us proof that you cancelled in accordance with the merchants terms and conditions. An example of this proof would have been a cancellation confirmation email from the merchant. Because valid proof of cancellation was not received and due to the length of time that has elapsed since the charge first billed to your account, we are unable to assist you further through the dispute process. You will need to seek alternate means to obtain a credit. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond.

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 2023-10-03 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: AL

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 2023-10-03 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.

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 2023-10-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-10-03 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
My credit was pulled for a loan with a credit union for a land loan. The next day I received over XXXX calls ( and its only XXXX ) and multiple texts from mortgage companies. My wife received just as many calls and texts as I. One of the credit bureaus is providing my inquiry with all of these companies, I assume for profit and it is wrong. I have been harassed all day long with all of these interruptions. This is nuts and unacceptable!

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 2023-10-03 00:00:00
Product: Credit reporting 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:
My credit was pulled for a loan with a credit union for a land loan. The next day I received over XXXX calls ( and its only XXXX ) and multiple texts from mortgage companies. My wife received just as many calls and texts as I. One of the credit bureaus is providing my inquiry with all of these companies, I assume for profit and it is wrong. I have been harassed all day long with all of these interruptions. This is nuts and unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2023-10-03 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
1. Incorrect personal information on Equifax Credit Report. My first name has been fraudulently changed without my permission and now I'm receiving credit card offers under the fraudulent name. This is the third time Equifax has allowed someone other than me to change my name. 

2. Also, ( under contact information ) My move in date on credit report says move in date XX/XX/XXXX. I moved in XX/XX/XXXX. ( This building wasn't built until XXXX. 
It's impossible for me to have moved here XXXX. The five addresses that were removed, which some are over 20 years old are added back onto my credit report. This is an ongoing problem. the only address should be my current address with a move in date of XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a WSFS checking account for my taxes when I opened it. But the person doing my taxes did something else with my information my account was frozen money was put in & took out of my account they said they put it in as a compromised account. But now its on my credit as a closed account

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 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Trust Management LLC
State: FL

Complaint narrative:
I made a loan with XXXX XXXX and it was collected in 2019 by GLOBAL TRUSTS And they are still fighting to delete my negative account and you do not TAKE ACTION IN THE CASE, what is happening???

Company response to consumer: Closed with explanation