vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am writing to you as I have had funds removed from my account without my permission or knowledge. I have met with the bank manager, XXXX XXXX, several times and he has not been able to assist in a productive manner. 

On XX/XX/2023, there was a debit to my account of {$100.00} to XXXX XXXX through XXXX XXXX. By the way this is my name? 

On XX/XX/2023, there was a debit to my account of {$200.00} to XXXX XXXX XXXX XXXX through XXXX XXXX 

I have never used XXXX XXXX. 

To use XXXX XXXX the person must move monies from their account into XXXX XXXX. 

This has never transpired from my account, as it would show up. 

Why would I pay myself {$100.00} from XXXX XXXX? It is not logical. I would go to the bank and withdraw. 

I do not know XXXX XXXX in XXXX XXXX. 

At this time, I filed with my local bank for theft. XXXX, the manager, filed this for me. 

I felt confident all would go well as this was theft from my account and I never used XXXX XXXX. 

As you look through my bank statements you will see I only use XXXX to transfer monies and it is to three people only, look at my statements. 

To my surprise your investigative team came back and said these withdrawals, thefts, from my account were valid. This is astounding ignorance as we all know thieves have programs they place on credit card machines, gas station pumps, they sit next to you and can scan your card.

I went to the bank again and asked the manager, XXXX, to intercede and get the proof from XXXX XXXX. He said he could not and that I needed to call customer service. 

I called customer service and there is absolutely no way to speak with a human person. Your bank demands approval to use my voice for identity before I speak with a customer service representative. 

Poor customer service, you should offer an option. 

I called your corporate office on XX/XX/2023 and left detailed information on the theft from my bank account. I was assured I would return a call back. Never happened. 

I work for XXXX XXXX in XXXX XXXX  and spoke with our IT Department on this issue with XXXX XXXX The Director of IT said it would be very easy to prove I never used the XXXX XXXX by accessing my phone system. 

As a result of your incompetent researchers, you are charging me the {$200.00} and insufficient charges. 

I am reaching out as I want this issue resolved and closed. 

The bank where I opened the account is BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the manager.

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 2024-01-29 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: CA

Complaint narrative:
I am a victim of the Equifax data breach. My rights were violated, my privacy was violated. I was deceived and my personal data has been mismanaged due to lack of a strong cyber security infrastructure within their systems. This has affected me emotionally and financially. Time and money has been spent recovering my identity. Time has been spent ordering and reviewing numerous consumer reports to verify and identify inaccurate information. Time has been spent traveling to and from the post office, traveling to the police department, and traveling to the library, etc. Money has been spent on postage fees, notary fees, purchasing a printer, time off work due to XXXX I've felt isolated and helpless during this whole process. Money has been spent due to denied loans and credit due to misinformation on my consumer reports. The amount of time and work conducted in restoring my identity due to the company 's irresponsibility to take cyber security more seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: KS

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.

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
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC
State: FL

Complaint narrative:
Account was discharged through Bankruptcy filing in 2018. Balance is still current and has ballooned up to XXXX from XXXX that I originally owed. I have called, emailed, and sent letters requesting this to be removed and they won't bulge. They are violating the bankrupcty laws and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( B ), and 18 USC 1028 ( A ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as Transworld Systems Inc used my information and publicized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
These items in question contain numerous discrepancies, including inconsistencies in the date opened, high credit, credit limit, last reported, comments, date last active, and date of last payment. These errors are not only unacceptable but also compromise the accuracy and integrity of my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX. XXXX XXXX - XXXX XXXX. 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 2024-01-29 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: EQUIFAX, INC.
State: CT

Complaint narrative:
These items in question contain numerous discrepancies, including inconsistencies in the date opened, high credit, credit limit, last reported, comments, date last active, and date of last payment. These errors are not only unacceptable but also compromise the accuracy and integrity of my credit report. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
THIS ALL HAPPENED AT A US BANK ON XX/XX/2023 A PERSON IN OREGON CLAIMING TO BE ME DEPOSITED A CHECK FOR {$4500.00} DOLLARS INTO MY ACCOUNT .THEN A FEW HOURS LATER WITH DREW THE {$4500.00} DOLLARS. THE BANK AFTER FINDING OUT THE CHECK WAS NO GOOD TOOK {$4500.00} OUT OF MY ACCOUNT .WE WENT TO THE BANK AND WORKED WITH THE MANAGER AND DID EVERYTHING THAT THEY ASKED WAS ASSURED WE WOULD RECEIVE OUR MONEY. WE KEPT IN TOUCH WITH THE FRAUD DEPT AT US BANK EVERY OTHER WEEK AND AGAIN WE WERE ASSURED WE WOULD RECEIVE OUR MONEY. WE WENT TO THE BANK AGAIN AND WORKED WITH THE BRANCH MANAGER AND WERE TOLD THAT THE CLAIM THAT WAS PUT IN AT THE BANK WAS DONE WRONG AND THAT THEY WOULD EMAIL US A NEW CLAIM FORM TO FILL OUT, WE WAITED 2 WEEKS AND NEVER RECEIVED ANY EMAIL SO WE CALLED AND WE WERE ASSURED SOME ONE WOULD CALL US. WE DID RECEIVE AN EMAIL SAYING IT WAS A WASH AS FAR AS THEY WERE CONCERNED BUT I HAVE PAPER WORK TO PROVE IT WAS NOT .THE SAD PART IS THE WE HAVE BEEN BANKING WITH THEM FOR OVER 20 YEARS AND IT IS SAD TO SEE HOW THEY TREAT SENIORS I AM SEVENTY SEVEN YEARS OLD AND ON A FIXED BUDGET

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 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I went to the ATM that chime provided to use on XX/XX/XXXX at XXXX. I tried to withdraw {$300.00} and the money never dispensed. I told the cashier at XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX  NC XXXX. She proceeded to tell me that the company that comes to get money out of ATM just fixed the machine because it was having problems before. She then proceeded to tell me to contact the number on the bottom of the ATM which I did which they in turn told me to call the number on the back of my bank card. When contacting chime they told me that the ATM machine would have to reset itself and see that no money was withdrawn and my money will be returned. I then received a email that stated that there was no error found and they will not be returning my money. The XXXX store has cameras facing the desk and the ATM which sees that I did not receive any money. Now I am out of my money and they still will not return my money or send me footage of who took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: 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.

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 2024-01-29 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: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade has stolen my money, admitted to stealing my money and refuses to give it back because of policies. This involves more than one account. On XX/XX/XXXX, Upgrade took a {$310.00} payment for account ( A ) from my Upgrade Checking account ( B ). The contract I signed for the Line of credit ( A ) stated the payment would be taken out of my XXXXXXXX XXXX  account ( D ), not the Upgrade account ( B ). 
Account ( A ) is in place for debt consolidation loan payments Account XXXX ). 

When the {$310.00} payment ( A ) was taken from my Upgrade account ( B ) in created a shortfall in the account and the debt consolidation payment ( C ) that was due on the XXXX was denied for insufficient funds. 

Upgrade has acknowledged that the mistake was theirs and have apologized. The {$310.00} was removed from my XXXX account ( D ) on XX/XX/XXXX but they still have not given back to {$310.00} they took from the account they stole it from ( B ). They are refusing to transfer to {$310.00} back into the proper account until XX/XX/XXXX, nearly a month after they STOLE it because, " THAT'S THEIR POLICY ''. 

They DID NOT have authorization to take the money from the account they took it from which is straight up theft and they admit to it. They REFUSE to give it back because of Policies!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am writing to bring to your attention a serious matter involving bank fraud that I have recently experienced. Good evening, last year Citizens bank got hacked for thousands of dollars from people accounts. The exposed personal information could be exploited for identity theft, leading to various fraudulent activities. One of the accounts was mine. I have a saving account that has a total amount of {$9100.00} when I went to check to remove my money a few months ago the teller than proceeded to tell me I had a account balance of {$390.00}. I than asked her to print out all statements. She advised me to contact customer service to claim fraud on my account. I provided all necessary information, including transaction details, account statements, and any other requested documentation. However, despite multiple follow-ups, the bank has not taken appropriate action to investigate and rectify the situation. 

After 45 days of waiting for my money and numerous of calls to the claims department I was told I was refunded {$5000.00} but the other {$3800.00} was not going to be refunded because it was over 60days. This is a saving account that i never use nor did i ever receive any letters regarding money was taken out. I put my money and trust in Citizens not have my hard earned money robbed from from. I called and spoke to manager last week on Tuesday XX/XX/XXXX she told me to was going to expedite my claim and have my money sent back to me in 2-3 business days. I checked with the bank of Monday XX/XX/XXXX and there was no money deposited. I am lost at all words I honestly didn't know the 60 days limit to report fraud. 

These transactions were not initiated or authorized by me, and I immediately contacted the bank to report the fraudulent activity. The unauthorized transactions have caused financial distress and inconvenience. I am concerned about the security of my account and the potential for further fraudulent activities Below is the transactions was taken out. 

I appreciate your prompt attention to this matter and request your assistance in ensuring that the necessary steps are taken to investigate and resolve the bank fraud. I trust that your intervention will lead to a fair and satisfactory resolution. 

If you require any additional information, please do not hesitate to contact me at XXXX or XXXX XXXX XXXX Thank you for your time and assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX  and Experian are reporting late payments and amounts owed on an account that they Repossessed a vehicle. A year later they are both still reporting Im late on payments, I owe money and a charge off! They have repeatedly failed to validate the debt and falsely reporting to the Credit bureaus. I have canceled any power of attorney they may of had a year ago and they have accessed and reported false info over 12 times last year and continue this year once. All of this has been done to damage my reputation and for no other reason. These adverse actions allow us to get remedy for every incident.

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 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/XXXX XXXX : XXXX ( TRUEACCORD XXXX XXXX XXXX, XXXX XXXX, XXXX KS XXXX ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Please remove collection and or update the following accounts and paid, never late.

ACCOUNT : 1555 ORIGINAL CREDITOR SPRINT Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has not cleaned up its fake account scandal. Accounts were opened with deceptive business practices and then I was notified they would be charging me a {$35.00} fee. 
These accounts were opened during the fake account time frame. The accounts were never used and were not needed. Zero balance the entire time. Now I get a notice there will be a fee. 
I never needed or wanted this account but was lead to believe it was required. 

The bank says they addressed all of these sales practice problems, this have not.

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 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: CO

Complaint narrative:
Kikoff lending is a scam company that offers to fix your credit with a nonexistent loan they report that you are paying on a loan that does not exist it sounded shady so I didn't finish the process nor did I validate my email address to show any further interest but it seems as though they had enough information to proceed without my consent I called and the number was nonexistent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. Swift correction is imperative.

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 2024-01-29 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: IL

Complaint narrative:
I am distressed and disappointed by the situation in my credit report. It is not only highly embarrassing but evident that either you or the company is at fault for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. ''

Company response to consumer: Closed with explanation