vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-15 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: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-15 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: NY

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-15 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: MI

Complaint narrative:
Subject : Urgent Assistance Needed : Unauthorized ACH Transfer Intended for Personal Use Dear Consumer Financial Protection Bureau ( CFPB ), I trust this message finds you well. I am urgently reaching out to request your assistance in addressing a critical matter concerning my business banking account, XXXX XXXX, held with JPMorgan Chase. 

Account Closure and ACH Transfer Rejection : On XX/XX/XXXX, my business account was officially closed and charged off. Regrettably, on XX/XX/XXXX, an unauthorized ACH transfer was initiated, inadvertently directed to the closed account. Upon discovering this, I promptly visited a local JPMorgan Chase branch on XX/XX/XXXX, where it was confirmed that the ACH transfer had been rejected on XX/XX/XXXX. 

Unlawful Application of Funds to Business Account : To my dismay, on XX/XX/XXXX, I learned from Supervisor XXXX ( ID number XXXX ) that JPMorgan Chase applied a partial sum of {$5200.00} to the closed account on XX/XX/XXXX. The attached documents dated XX/XX/XXXX highlight my visit to the Chase branch. This raises significant concerns, as the ACH transfer was intended exclusively for personal use and not for business affairs. 

Contravention of Business Banking Account Agreement : It is crucial to underscore that the application of the ACH transfer to my business account without explicit authorization goes against the terms outlined in our business banking account agreement with JPMorgan Chase. This unauthorized action necessitates immediate attention and corrective measures. 

Supporting Documentation : Attached are documents providing evidence of the unauthorized ACH transfer and subsequent application to the closed business account. These proofs underscore the urgency and severity of the situation. 

In light of these circumstances, I earnestly seek your prompt intervention to investigate this matter. Your support in facilitating communication with JPMorgan Chase is crucial to swiftly rectify this unauthorized application of funds and to ensure adherence to the terms stipulated in our business banking account agreement. 

Thank you for your prompt attention to this matter. I trust that, with your assistance, a swift and fair resolution can be achieved. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Business Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check on my Truist account signed over to me by a family member for {$12000.00}. The check was payed by XXXX XXXX to Truist. 

Truist decided to close my account because my name was not on check and they kept the funds given to them by XXXX XXXX. They told me to ask XXXX XXXX to recall the check. 

I asked XXXX XXXX to recall the check, they stated that they had no reason to recall the check and the matter was closed for them. 

Truist said to bring the owner of the check to bank and they would release the funds. The owner came and they were now not interested in speaking with her. That they would investigate and get back to me, this was in XXXX 2023. They never got back with me. 

I never received any correspondence from them regarding this transaction. I called and visited the bank several times and now they say that I have to provide a letter stating that the check belonged to me. That they tried to have XXXX XXXX recall the funds and XXXX XXXX would not respond to them. 

I have no way of providing the documents they are asking. They are under my familys name- not mine. As stated they signed over the check to me and I provided the funds that they needed to repair their roof ( hurricane damage ). This is an insurance check. 

I asked for a letter stating their decision so I could take it to XXXX XXXX. They said that they will not put anything in writing and that I must communicate with XXXX XXXX. That they will confiscate the {$12000.00} until I provide the letter that I can not provide, something thats impossible for me to do. 

Truist is keeping my money now for over 6 months and they said the case was close. They had decided to keep the money. 

The money belongs to me or they can return it back to XXXX XXXX so we can get the money that they already paid back. 

Truist said that thats not their problem. That they will not provide anything on writing and thats the Investigation will continue indefinitely. 

Please help with this matter. I can not get XXXX XXXX to recall the funds and Truist will not release the funds that XXXX XXXX already pay them for my account. Im in a corporate never ending circle. 

Thanks for your assistance, Kind regards, 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 2023-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, someone placed an online order using my credit card at a XXXX for {$640.00}, and then they tried to purchase roughly {$900.00} worth of merchandise at XXXX, which Bank of America denied due to suspicious activity. Within the hour, I reported this as fraud, and Bank of America opened an investigation and sent me a new card. On XX/XX/XXXX, Bank of America got back to me and denied my fraud claim saying that " I received the merchandise '', which isn't true since I didn't purchase it and wasn't in the same city where the transaction occurred. After this, they published the transaction to my credit card statement, so I'm currently on the hook for the {$640.00}.

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 2023-12-15 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: CARD Corporation
State: NJ

Complaint narrative:
I am banking with card XXXX XXXX XXXX. I had a transaction on. XX/XX/XXXX for XXXX. I then on XX/XX/XXXX4 had a transaction for XXXX from The company. I called and made a dispute which I then was told there is no error. I called multiple times to ask why my text alerts did not reflect any transactions the representatives were telling me About and had an escalation put in. I am not in overdraft protection and not eligible but not 1 representative could explain how an unauthorized charge made me Negative. Another escalation and dispute have been Put in but still no one has given me my money or the provisional credit I was gauraunteed on XX/XX/XXXX. I then was provided a merchant code and authorization code for releasing funds and the merchant has no record of my actual transaction because the bank declined it. No emails or documents were even responded to or sent from the company. Also my Text alerts and my XXXX app transaction history do not match what the representitives state nor does my account statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: NY

Complaint narrative:
I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
SOMEONE HAS BEEN TRYING TO USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT TO OPEN ACCOUNTS WITH CREDITORS. THERE ARE NUMEROUS CREDIT INQUIRIES ON MY CREDIT REPORT THAT I HAVE NOT MADE AND WERE SUBMITTED FRAUDULENTLY. 
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 explanation
Consumer complaint received 2023-12-15 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, states " there is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impaartiality and a respect for the consumer 's right to privacy. " I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. " It is policy of the Congress that each finanicial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' 15 USC 1681 604 a sec 2 " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. The financial institution and the consumer reporting agencies do not did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to all reporting agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. A financial institution may not disclose nonpublic personal infoemation to a nonaffiliated third party UNLESS the consumer is given an explaination of how the consumer can exercise that nondisclosure option option, per 15 USC 6802 ( b ) ( c ). These agencies Never informed me of my right to exercise my nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 USC Code 1681 A consumer may exercise their right to optout at any time. " I am opting out of your reporting services ''

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. THE BUREAUS and XXXX 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 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 2023-12-15 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: CA

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. THE BUREAUS and XXXX 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 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 explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-15 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wallet was stolen on XXXX. I immediately called my credit card companies, including Macys citi bank American Express. The thieves had already charged approximately {$2500.00} on my account. I told Macys Citibank American Express that I had filed a police report and the charges were not mine. Although they said they are investigating and are not making me make a payment right now the charge still shows up on my credit report. They also reported me for being over my credit limit of {$2300.00}. So I filed a report with all three credit reporting agencies. However it says the dispute has concluded and the amount reported was verified. But they show a XXXX balance. The problem is I was never over my credit limit and I never made that charge. Nor did I pay for it. So clearly it is incorrect information on 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Every single hard inquiry on my credit report were open fraudulently. I have absolutely no knowledge of any of them. I went to apply for a loan and was denied because of 16 hard inquiries that I had no clue where they came from.

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 2023-12-15 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: MO

Complaint narrative:
Every single hard inquiry on my credit report were open fraudulently. I have absolutely no knowledge of any of them. I went to apply for a loan and was denied because of 16 hard inquiries that I had no clue where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: MO

Complaint narrative:
Every single hard inquiry on my credit report were open fraudulently. I have absolutely no knowledge of any of them. I went to apply for a loan and was denied because of 16 hard inquiries that I had no clue where they came from.

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 2023-12-15 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: FL

Complaint narrative:
These XXXX  accounts are closed and to old to be reported on my credit report also these accounts are only showing payments for the last five months not the past eight years due to the fair credit report act if the information is not correct or can not be fix the accounts should be removed from 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 non-monetary relief