vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 agencies can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I mobile deposit a PNC check for {$700.00} the funds were placed on a hold. I called the hold department the check was verified and money released in the morning. In the afternoon I received a notice the check was being returned for it was fraud. I called the hold department at PNC was told its a bank error. My pay check on XXXX  now will be in the hole for {$700.00}. PNC did nothing to resolve this problem no credit to my account offered just they can refund my overdraft fees. I have bills that now will not be paid by a human error at PNC. Not happy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I got in to a auto accident and XXXX XXXX XXXX took over the fact and agreed to fix my car and get me a rental I told them I needed a sub because I have XXXX XXXX  they said no the compact car was all they would get I said OK so they rented the car from XXXX XXXX charged me a XXXX XXXX cleaning fee I agreed to. Told them not to charge anything else to my card because I did not have the funds to cover it they said OK XXXX XXXX XXXX was covering it XXXX did not pay for all of it only a portion XXXX  charged my card {$1500.00} to cover the amount after I told them do not change any thing other than the XXXX XXXX cleaning deposit that I agreed to I filled out an dispute on the charges with mastercard in XXXX they said they would send me a letter in mail of all the documents that they need the letter never showed up so I called the in XXXX to send me another paper got it XXXX sent in all the documents that I had even a email from my lawyer to XXXX were XXXX  agreed to pay but did not so I contacted mastercard again in XXXX the lady said that the dispute was over the 90 days all I could do was write a letter and email to mastercard and thay would contact me back nobody ever did I called again in XXXX the same thing happened contacted again in XXXX thay said thay could not do anything about the charges even though thay raised my credit limit to cover the charges without my permission and the charges that told XXXX do not charge to my card mastercard told me thay couldn't do anything about the change that I had to pay it and she said she couldn't help me any more she was spinning her wheels and hung up on me when I called back after type in my card number thay decided the call three times XXXX charges my card after I told them not to Mastercard raised my credit limit without my permission and did everything they could to avoid helping me with the charges thay accepted without my permission are knowledge XXXX committed credit card fraud so did Mastercard and this seems to be OK with everyone but me I'm XXXX  and a XXXX XXXX and a XXXX XXXX who is off on workman 's comp with a XXXX  XXXX XXXX don't know when i can go back to work I'm doing everything I can to pay for everything but I can not afford to pay for a charge that didn't have my permission are knowledge thank you for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am 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 2023-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: KY

Complaint narrative:
Hand chip in window, went to XXXX to repairs. According to Kentucky law chip window is covered and pay through the state? Im a resident of kentucky but didnt receive my Kentucky plates yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: FL

Complaint narrative:
My personal information was compromised and the fraudulent inquiries were incurred by someone other then myself so please remove all unverified unauthorized fraudulent inquiries : 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 2023-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I used my Citizens XXXX XXXX credit card for the first time to purchase 2 tickets to a show from a website name XXXX XXXX XXXX I tried a few time to order but kept receiving an error msg in red that my home address didnt match the credit card number After making sure I submitted the correct info I called Citizens and stated the problem I was having and to make sure they had my info correct on their end They apprised me everything was correct and advised me there must be a problem with the XXXX XXXXXXXX website I called XXXX  about the problem and they said maybe it was the internet browser I was using So I decided to try another ticket website XXXX XXXX and the purchase went thru with no problem I later realized I was charged {$220.00} from the first website that gave me trouble I never officially authorized that transaction I was told on my end it didnt go through So I am disputing the charge I attached an email that even says I had not purchased the ticket Theres more concerning the ticket I purchased from the other website XXXX XXXX XXXX for {$160.00}. but I will be responsible for that because I did authorize the transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
I received a letter in the mail saying I owed {$13000.00} to account # XXXX XXXX XXXX XXXX. This is not true. I was up to date with my rent. The landlord there gave us a 3 day put out now i am XXXX with both knees XXXX on XXXX my husband is XXXX with XXXX, we never received anything to go to court. We lost more than half our belongings because they locked the door and would not let us back in.I was unable to get any my kitchen things, had to leave our washer and driver, my husbands tools No bedroom furniture a lot was left and we were unable to get it. We were unlawfully put out and we lived there 8 years and this happened [

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Purchased a product online from a person who misrepresented themselves as a business with a product for purchase. 
Payment was sent from my bank account through Zelle service offered from my financial institution. ( XXXXXXXX XXXX ). My transaction sent but said pending in my account status, I became suspicious and immediately notified the bank and was told transaction could not be cancelled or reversed. 
Regulation E should apply in this instance and protect consumers. 
Item was never sent or received however money was fraudulently obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: NY

Complaint narrative:
I, first name & last name, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 inquiry name : XXXX XXXX Inquiry date : XX/XX/23 2 inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/23 3 inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/23 4 inquiry name : XXXX Inquiry date : XX/XX/23 - [ ] 15 U.S.C 1691 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: Credit Karma, LLC
State: TX

Complaint narrative:
Your options were not exactly what happened. Let me explain and you do what you will. Credit Karma says that you can inquire about a loan without it affecting your score. That no inquiries will show until you are approved. That is not the case. They also send you to companies in other states, and when they transfer you to another state even though it's the same company, there's an addition inquiry on your report. One more item. Currently these loan companies are asking for your banking information. Not just any information, but theywant your login name and your password. That seems nefarious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This credit card thats showing on my credit report XXXX XXXX XXXXXXXX opened on XX/XX/2014 is fraudulent and needs to be removed asap this was not authorized by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company 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 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am a co-signer on this debt. However I never received any notice of my right to dispute the debt.

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 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have scammed by online company more then XXXXXXXX XXXX, i have attached a letter for details.

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 2023-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Tuesday XX/XX/23 at approximately XXXX XXXX I received a phone call from XXXX stating there was an attempt to make a wire transfer to a XXXX XXXX XXXX in Texas. I was asked if I had my card in my possession and I said yes. I was not asked for any other information about myself or my bank. I needed to leave to go to a drs appointment so I told caller I could not deal with this now. caller hung up but kept proceeding to call and I finally stated give me the information and I will handle this. 

I was given the routing number and account number. I again hung up and put phone on silence. Apparently phone kept ringing and ringing and I did not pick up. When I finally finished at the doctor I picked up and was again asked to go online to do this wire transfer reversal. I kept stalling and hanging up and then finally I told the person XXXX on the other end to stand by as I was going into the bank. They stayed on the line and once I was in the bank and told this person I was in the bank they hung up. 

I proceeded to file a claim with Chase bank and received a case # XXXX and a claim XXXX XXXX 

Chase now restricted my account. 

Upon returning home, I went online and noticed I received various emails from Chase but the one that puzzled me was the one at XXXX that said we have sent your wire transfer as you requested. ( which I never did ) Wednesday XX/XX/23 I received another call from XXXX again at XXXX XXXX and I said ok hold on let me let you speak with the police officer as I am at the police station ( which I was not really at ) and caller hung up. 

Now later in the day Chase bank called me and stated they are DENYING my claim because I literally made the wire transfer ( which I never did )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 agencies can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 agencies can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There is a FRAUDULENT ACCOUNT reporting on my credit report with a {$250.00} balance. THIS IS NOT MINE!!!! I have NEVER had a XXXX credit card with Synchrony Bank. I DEMAND this account be closed, reported as fraud, and removed from ALL XXXX credit 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 non-monetary relief
Consumer complaint received 2023-06-08 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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