vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX AV XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After recently pulling my credit report from your Bureau XXXX I, in accompany with my XXXX, instantly pointed out that I have been reported as XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). I also see that according to the reports I was late XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( XXXX ) # : ( XXXX ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! AT THIS TIME I AM SEEKING LEGAL ACTION AGAINST THE BUREAUS.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is inaccurately reporting my XXXX, 2022 mortgage payment to XXXX XXXX as 30 days late. Neither XXXX XXXX nor either of the other credit agencies show 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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: MD

Complaint narrative:
Procollect Inc has been reporting inaccurate information on my consumer report. They have an account listed as an open but in collections. How is this account open but also marked as a collections? 
Please clarify as this appears to be inaccurate and against FCRA.

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have Spoken to XXXX, XXXX, XXXX all at bank of America about my account being closed was never notified and they will not release my money. I let them know i needed either a letter to provide to my landlord about them holding my money or i need it to be released so my children and i are not evicted. They were very rude and unable to assist me with my matters. I let them know i was going to report them to banking commission and that didn't matter to them. I desperately need some assistance on getting my money from the account they closed. {$1300.00} is what is in my account. I can be contacted via email. 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 monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account in my report that is causing my scores to drop. It is reported inaccurately and I want it removed for violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accscient, LLC
State: FL

Complaint narrative:
on Wednesday, XX/XX/XXXX I started receiving phone calls from nationwide recovery systems from various spoofed numbers in an attempt I believe to conceal their identity and prevent me from knowing who they were. after getting multiple calls from the same number I decided to call them back XXXX XXXXXXXX XXXX during our 4 min call I asked that they send any info they had to the address on file and that they stop calling me and anyone associated with me via any means. I was transferred to a supervisor who stated that he would note my file and send a notice to the address on file ( which I have yet to receive ) I refused to verify anything as I did not want to have my words twisted and miss construed. in spite of my request on XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX the company called me from another spoofed number. I informed the rep that I had asked them to stop calling, that she was in violation of the FCRA and that I would be filing a complaint and requesting damages that I am allowed to the fullest extent of the law.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
My servicer has failed to pay my taxes to my municipality. 

I called and emailed prior to my taxes being due which was XX/XX/22 and confirmed that they would be paying my taxes. This included emailing their escrow department on XX/XX/22 with my escrow bill, so they had the correct amount. I also confirmed that there is enough money in my escrow account to cover the taxes. 

On XX/XX/22, I called to notify them that my taxes still showed as not paid - I received an email back from my call, the email stated that they would pay my taxes and that they would cover any late charges. 

However, as of XX/XX/22, I still do not show my taxes paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Thursday XX/XX/XXXX, I was contacted by text checking to see if I had made a {$350.00} charge to a XXXX, I responded No and called to follow up. 

The person that answered indicated that there was also a {$20000.00} wire transfer posted to our account and asked if it was mine. It was unusual for us to have this large amount in our checking account because we had just received a tax refund the afternoon before. I told this person No and he proceeded to help me cancel it. He fraudulently presented himself as a Chase employee named XXXX with a Chase employee ID of XXXX and said he was calling from the XXXX office XXXX He sent fraudulent texts from the Chase App and I followed his instructions and instead of cancelling the wire, I enabled him to transfer {$10000.00} to his account. During these events, as I began to become suspicious, he called me back on the Chase Customer Service Line using the Chase Line fraudulently. 

Meanwhile, I called Chase Fraud on another phone and asked if the transaction/ situation was valid. They told me no and to hang up immediately. I did, and also asked the Chase Fraud representative what I could do to stop this wire to the recipient at XXXX  XXXX XXXX, XXXX XXXX since they had the account and transaction information in front of the. They told me there was nothing they could do. Not taking that as a final answer, I drove to the the nearest XXXX  XXXX XXXX branch and asked them for help- with their customers information- and they too, said there was nothing they could do. Still not content to take no, I drove to the nearest Chase branch and asked them for help. Eventually I was able to close the impacted checking account, open a new one, and file a complaint with Chase Fraud. There was an additional direct deposit to my account claiming to be from the Internal Revenue Service. I confirmed with the IRS that this was not sent by them and I asked Chase to reject it. It seems too coincidental that a direct deposit came in from the IRS within XXXX hours of having the initial one actually sent by the IRS for the correct amount of the refund we expected. I realize that I made critical mistakes but also want to stress that I was misled by someone who knew they were stealing money. I also would think the IRS would want to know more about this person since they were impersonating a federal agency. I am working with Chase to file the report regarding the fraudulent deposit with the IRS. 

I ( and Chase ) have the name and information of the recipient of the wire transfer : There is an address and phone number on the Internet for this person too. The information of the individual receiving this fraudulent wire iis below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX- XXXX. 

Address per Internet : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I had filed complaints to TransUnion on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/XXXX I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had a XXXX  card that was serviced by XXXX XXXX XXXX XXXXXXXX. Then my account was sold to some scam bank called Comenity. Right when the takeover was happening I made a {$5300.00} charge for auto repair. This XXXX XXXX is charging me TWICE for {$5300.00}, charging me interest also. I have tried calling multiple times and after about a half hour holding, the call disconnects saying that the number doesn't exist??? I have tried to write them to no avail. I can not believe what is happening and I hope I have some recourse. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 According to FCRA Section 605B ( a ) , the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for k purpose.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau , I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). I also see that according to the reports I was late XXXX days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! AT THIS TIME I AM SEEKING LEGAL ACTION AGAINST THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NORTHWEST BANCSHARES INC
State: IN

Complaint narrative:
I created an account in Northwest Bank XXXX XXXX XXXX XXXX, XXXX, Indiana ( XXXX ) XXXX on XX/XX/XXXX and deposited {$2000.00} through cash advance from XXXX bank which has my direct deposit setup. I did XXXX XXXX payments to my my friends and family and every time I executed a transfer, the bank put my account on hold. I called and verified my identity as shown on the pop up message, they asked me to visit branch. I visited the branch and they verified my identity again, activated my account. During the next zelle payment, it went on hold again. Frustrated with the multiple bank visits to XXXX hold my account, I asked the cashier to withdraw my remaining balance. The bank put a hold on my account stating fraud because " I am trying to withdraw my own money ''. 
The questions asked by the analyst on the call : I would like to know the nature of your zelle transactions? 
Why did you create an account here? 
I wonder where the cash advance came from? 

In spite of providing bank statements and proof to the XXXX XXXX, my account is still on hold by fraud team and is being looked into. They are questioning my cash advance which was done after verifying my identity and debit card of XXXX bank. I am unable to withdraw my personal funds even after sufficient evidence is submitted and missed important payments due to this. The bank has been least helpful in resolving this and I am appalled by the unfair treatment and indicates discrimination. Kindly look into this and help me resolve 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 explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account in my report that is causing my scores to drop. It is reported inaccurately and I want it removed for violation of FCRA.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account in my report that is causing my scores to drop. It is reported inaccurately and I want it removed for violation of FCRA.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX AV XXXX, AL XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation