vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : Wells Fargo, XXXX, XXXX XXXX, XXXX, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NY

Complaint narrative:
On XX/XX/2023, checking my credit report I learned that someone tried to open an account using my personal information. I have a couple hard inquiries on my credit report that I did not authorize, I did not give permission for my credit being ran and I would like to be deleted off of my credit report. I am victim of identity theft.

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 2023-10-11 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: GA

Complaint narrative:
pLease see attached police report, I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: GA

Complaint narrative:
pLease see attached police report, I have been a victim of identity theft

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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX ( XXXX  ) i received my first paycheck from my new employer. I used the bank of america app to deposit the check. It says on the app confirmation that it will post next business day. But then after i got home from work, i saw the email confirmation says next business day then XX/XX/XXXX under it. Which is obviously not next business day. 

I called the next day ( XXXX  ) on their client support to get clarification about the release date, and they said XX/XX/XXXX. I asked why, and the person said it is my first transaction on the account. She said she will escalate and i will get my money XX/XX/XXXX, instead of the XXXX. 

I reviewed my account and realized i have prior transactions on the very same account including a check deposit last XX/XX/2023. Which means the last person i talked to was lying. So i called again ( XXXX  ) and the person i was talking too is now saying that they put on hold randomly. That is now a different information. Then i asked for a valid document that they can get me that says they are authorized to put a XXXX business day hold on my salary whenever they want to with no reason, but they can not provide me with any. 


I sent a complaint to XXXX, and bank of america contacted me XX/XX/XXXX ( tuesday ) asking me to wait XXXX days for a resolution. She called me today XX/XX/XXXX ( wednesday ) letting me know that she can not help me. She told me all checks needs to be signed at the back, and none of my checks were signed even on my previous transaction so they kept on putting hold on my deposits. 

First thing is they never informed me about that thing that i was missing. The first time that i did it wrong, they put a hold of my money, but they wouldnt tell me that signature affects my transactions. Then when i asked if it is the only reason why my checks are depalyex, she said there are a lot of reasons she couldnt tell. So still, they are outting hold on my money and they wouldnt tell why. 


She kept on educating me what to do but not willing to resolve my issue. 

I did the deposit with enough time for it to deposit considering i really really need the money to oay for my insurance and car. Today, my insurance policy was cancelled because they are putting hold on my money. Very inconvenient and they couldnt explain me why. 


Id like to file a formal complaint because they are not willing to help me, but just save their XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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:
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 explanation
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
I settled two debt accounts within a six month period and I waited more than 30 days for each balance to be removed from my experian credit report. After it was not removed after more than a month I disputed the accounts as inaccurate based on there being no longer a balance owed. Both accounts that were disputed led to my credit score plummeting. Due mostly in part to a poor communication with me and little to no accountability for the credit bureau who has repeatedly reported inaccurate account statuses even after I filed a dispute against the inaccuracies. I feel that most of the decreases in my credit score were in retaliation because before I disputed the inaccurate account balances they heavily emphasized how the debt negatively affected my score. After I submitted the dispute both times my score almost immediately decreased without any cause stated. And after their sham of an investigation they lowered the amount of debt and lowered my score a second time for good measure. I believe that this agency Experian is guilty of predatory reporting and are seeking to profit from my poor credit by keeping my score as low as possible and constantly marketing credit cards and memberships to help " Get my credit back on track! ''

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 2023-10-11 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I filed a dispute on a {$100.00} charge on the 60th day from the date that the transaction was made which the transaction was made on the XXXX of XXXX for {$100.00} for a rental of a tuxedo, but in XXXX the company went Bankrupt and could no longer provide a refund due to being bankrupt. I then reached out to Navy Federal on the 60th day because I know that federal regulations only protect you for 60 days, navy federal provided a {$100.00} temporary credit but now have denied my claim and are refusing to give me my money back. I tried to appeal this decision via telephone which I was told no I have to go into the branch or do it in the mobile app which I do not have time to go to branch and I am not good with technology to do it over the app. Both ladies had an attitude and are extremely unhelpful and rude. They have threatened me saying they will take the money out of the account on the XXXX  and if they take this money out of my account I will not be able to afford my bills and this could cause a negative impact on my credit and my life situation. I would now like to be made whole on the {$100.00} plus {$500.00} pail and suffering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a capital one quicksilver card, which I don't use too often. I did however have rewards credit of {$140.00}, in cash, not miles. Whenever I would try to use the card I would get an error saying it was declined. I went to the website and ensured the card was activated as I recently received a letter saying the account would be closed due to inactivity. I just today got a message the account has been closed and I am not longer able to get the {$140.00} credit as the account has been closed. I asked them to open the account again, as I have proof of trying to use it or to somehow redeem the $ I had on the card, but they declined to offer any type of help. 

Seems unfair to not offer anything for a to keep the account open so I can at least use the money I had on the card. I have text messages showing the card was declined, even though it was in good standing and a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
My student loan provider is Ed financial. I requested a payment reversal of {$2000.00} to be done back in XXXX, 2023. They did reverse the payment but they just never sent it back to me. I have called multiple times and filed complaints and have had no luck. They have said they reissued the check multiple times and I still have not received anything. Also I have been making payment to them and the last payment reflecting is from XX/XX/XXXX. I have made 4 more payment since then and they are not reflecting. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: B9, Inc.
State: CA

Complaint narrative:
I submitted requested to transfer XXXX from my own B9 account to my own XXXX XXXX account, B9 declined transaction. I tried XXXX, B9 declined. XXXX, B9 declined. When I looked at my B9 account there was a pending transaction for XXXX. I told B9 no transactiom for XXXX was requested XXXX XXXX has no tramsaction for that amount as I did not submit one. B9 insisted XXXX XXXX needed to submit a settlement to clear the transaction. I called XXXX XXXX and was told they can not submit a settlement for a transaction that they have no record of. I called B9 back and was told this is an automatic system hold and it will clear on the XXXX. I asked for a supervisor and asked what reason they were holding my money. The funds are going from me to me and they said there is nothing they can do. I did not request or authorize a transaction for XXXX. B9 initiated the transaction for XXXX plus their external wallet fees of XXXX on their own. I have XXXX months plus of bank statements that show B9 transferring my funds as requested XXXX and a separate transaction for external wallet fees XXXX. How can B9 hold my funds for no reason? How can B9 generate a transaction for an amount I did not authorize? I understand they can charge a fee but that is a separate transaction. This makes me wonder how many transactions have they changed my amount or charged without my permission. They are holding my funds and I can not feed my child. I am a single mother with a XXXX child who works XXXX XXXX. My direct deposit just hit and this was all of my money going from myself to myself what other permission is needed. I was told no management person has a direct line and I could not speak to anyone else. I was told there was nothing that could be done my funds were on hold until the XXXX. Nobody knew their fee of XXXX but B9. B9 WAS THE ONLY ONE THAT COULD GENERATE THE TRANSACTION FOR MY REQUEST PLUS THEIR FEES. AGAIN I CAN NOT FEED MY CHILD BECAUSE THEY CHANGED MY AMOUNT AND THEY ARE HOLDING WITHOUT MY PERMISSION FOR NO REASON. HOW CAN YOU JUST TAKE SOMEONES MONEY? ALL OF THEIR MONEY?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: SC

Complaint narrative:
I am purchase a car from Caravan. 

Per 15 USC 1604 15 USC 1638 ( 2 ) ( A ) 15 USC 1662 The Downpayment is suppose to be included in the financed charge. The delivery fee is the same. 

They are violating these statues deem by the US Congress and your department. 

I have attached the said contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MI

Complaint narrative:
XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX, DE XXXX. 
Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of 2022. My XXXX XXXX XXXX accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. 

I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. 

Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. 

Please investigate this matter and correct this error as soon as possible.

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 2023-10-11 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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

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 2023-10-11 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 2023-10-11 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On Wednesday, XX/XX/XXXX, I received a call from a Chase representative that someone tried to open a credit card in my name. They denied the application and called me. I checked my XXXX account to verify the accuracy of the claim. It was indeed. Working with XXXX, they removed the hard inquiry from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
There are unauthorized inquiries on my credit report that i did not consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: IL

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 2023-10-11 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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation