vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: OH

Complaint narrative:
XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX under account # XXXX, An collection Account under XXXX XXXX XXXX : Account # XXXX, Another collection account under XXXX XXXX XXXX  : Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-02 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: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-11-02 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: TX

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Request for Reconsideration of Application Denial ( No. XXXX ) I am writing to request that you reconsider the denial of my application ( No. XXXX ). During the process, I provided my Social Security number, which allowed access to my trust and related data. However, laws protect individuals from being required to disclose their Social Security number unless legally necessary. 

If the denial was based on information accessed through my Social Security number, this may not comply with those protections. I ask that you review this matter and reconsider my application for approval. 

Thank you for your prompt attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: CA

Complaint narrative:
On my credit report Equifax has the collection notice and the address of the person who stole my information. I filed a dispute with Equifax and they said they removed it. They did not. I called them ( a nearly impossible task! ) and since they did not see it on my information they said it was removed from my credit report. It is still there. I need to have that collection notice removed as well as her address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX removed. I live in California, NOT Mississippi. They also list my current residence address as former, but I guess that has to be filed as a separate complaint? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had an unauthorized purchase on the credit card for Amazon Audible. I contacted the bank and they reversed the charge and sent me a new card. However, they did not block the old card and I kept getting charges from Amazon Audible. I again contacted the bank. They again sent me a new card with a new number. However, they not only reversed the Amazon Audible charge but reversed a whole bunch of authorized transactions. I contacted the bank again and went through all of the transactions to re-authorize them. However the bank refused to re-authorize the transactions. My Amazon account was frozen, I received nonpayment and past due notices from XXXX XXXX XXXX and other vendors. 

I can not understand why the bank reversed authorized transactions and them refused to fix the problem after I re-authorized the transactions. They offered me no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
This is what I sent their legal department XX/XX/year> PNC Bank Fax Number : XXXX Demand Notice Final Demand Before Legal Action PNC XXXX DEPARTMENT This letter serves as a demand notice in an attempt to settle the dispute between us. If no settlement is reached, further legal actions may be taken against you in court. You may consider consulting with an attorney before taking any further action in this matter. PNC Bank has put my account on hold after I informed you that I am a victim of Identity Theft. Your customer service, fraud and dispute departments ensured me I would have access to my money. My account has at least XXXX  and I am unable to access it for 30-60days while you conduct an investigation. I was advised to go into a branch to withdraw cash. I was displaced after hurricane XXXX and came to XXXX where my entire family lives. There are no branches in a XXXX mile radius of my address above. I can't take a flight to XXXX to close my account because all my funds are being held in limbo. I have no home, no food and absolutely no money other than what you're holding. I had a wire transfer from my job come in XX/XX/year> for {$10000.00} and shortly after had unrecognized charges. I began disputing them. As I said I am a victim of identity theft. You record all calls but when I told the agents I was recording them they hung up on me. Much to my dismay, I am in a situation that is emergent. The only time a bank can freeze your account is if a creditor has successfully sue you for unpaid debt first. When they win the right to a " levy '' or " garnishment, '' the bank has to freeze all the funds in the account. Neither you nor anyone on a joint bank account will have access during that time. You may not put a freeze without giving me reason. I have no court cases, levy or garnishment. To punish a victim is unethical banking practices. To resolve this matter out of court, Please mail all funds in a certified check to the address above within five business days. You can then cancel and close my accounts. My checking account number is XXXX This letter serves as evidence that I, XXXX XXXX XXXX have attempted to resolve this matter out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On XX/XX/year> I became a victim for being scammed. My son and I have joint bank accounts, since he is only XXXX XXXX XXXX. I went and applied for a loan online, and the website to looked real. It was through XXXX XXXX. When I went to the website it looked real. I was not aware that the scammers where going to mobile deposit checks into my son 's saving account. They ran four checks back to back through his account, in the amount of {$400.00} each. This was not authorized by myself nor my son. I did not sign the back of these checks. The scammers signed the back of the checks as XXXX XXXX, I feel the bank should of caught this immediately and shut down the accounts. They did not catch is until 24 hours later. By then it was to late the funds where no longer in the account. That's when the bank put a hold on both my son 's and mine accounts. I did turn this into the fraud department. All they really did was clear up the over draft charges on my son 's savings account. Prior to this happening my son had {$900.00} in savings. 
When I went in to talk to my personal banker " XXXX XXXX '', he told me since it was a mobile deposit, the bank released the funds out of good faith. I told him I did not authorized any mobile checks, even though my name was on the front of them. I am not XXXX XXXX, that is not my signature on the back of it. 
Since someone got hold of my credentials there is not anything the bank can do to help, nor make it right. My son now owes the bank {$1100.00} in his savings account, over 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 explanation
Consumer complaint received 2024-11-02 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:
am writing to request that the following fraudulent account be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed. I have provided the details of the account below. 
Account to Be Blocked and Deleted XXXX - XXXX - XX/XX/year> - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
am writing to request that the following fraudulent account be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed. I have provided the details of the account below. 
Account to Be Blocked and Deleted XXXX - XXXX - XX/XX/year> - {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity off my report as it is hurting ability to credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity off my report as it is hurting ability to credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: I.C. System, Inc.
State: GA

Complaint narrative:
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Complaint Details : Issue : Failure to provide provisional credit within the required timeframe following a chargeback dispute Date of Original Transactions : XX/XX/XXXX and XX/XX/year> Merchant : XXXX XXXX ( outdoor apparel ) Date of Dispute Initiation : XX/XX/year> Background and Facts : I filed a dispute with SoFi on XX/XX/year>, after two purchases made with a new retailer, XXXX XXXX, on XX/XX/XXXX and XX/XX/year>, for outdoor apparel. Despite repeated attempts to contact the merchant, I received no response and never received the goods I ordered. I provided SoFi with copies of my transaction details and copies of my unanswered emails and documented phone calls to the merchant. 

The SoFi chat agent confirmed the submission of my written chargeback request on XX/XX/year>. However, as of XX/XX/year>, I have yet to receive either a provisional credit or a final resolution. 

Relevant Regulation : Under Regulation E, 1005.11 ( c ) ( 2 ) ( i ) of the Electronic Fund Transfer Act, financial institutions are required to issue a provisional credit to a consumers account within 10 business days of receiving a dispute if the investigation can not be completed within that timeframe. In my case, the 10-business-day window has elapsed, yet SoFi has failed to provide this provisional credit.

Failure to Adhere to Federal Regulations and Poor Customer Service : On XX/XX/year>, I contacted SoFi to inquire about the status of my dispute and spoke with an agent named XXXX. He informed me that my case was " still under investigation '' and implied that I would only receive a provisional credit if I " asked nicely '' and directed my request to " the right people. '' XXXX statement directly contradicts federal regulations, which mandate provisional credit after 10 business days in unresolved cases. No additional contacts, timing updates, or assistance were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
The site mentioned I was preapproved to make changes to my original loan. I preceded to apply to takeout an additional {$10000.00} ( consolidation ) to payoff larger interest accounts. The process online was very confusing and as soon as I realized it was to pay off the balance of my original account. I notified the company immediately by chat to correct the issue. I also sent an email and was told there's nothing I can do. Charging me for processing the loan and all, raised my payments on the loan I was paying on and increased my balance and interest rate immensely. With paying off my other credit card debt I would have no problem with the increase but with the increase and still having the other debts it's going to be hard to make the higher payments. The information was very deceptive and not being able to correct it less than an hour after I applied is ruthless. 

Please look into this and let me know what options I have. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have Finance a car thru one main financial services I bought a extended warranty on the a truck that i purchased from a local dealership and the engine is need of replacement i am still making payments on something that i ca n't drive my problem is not with one main it the a problem with the warranty company the name of the company is endurance Warranty auto services and this warranty is attached to the carloan. i really want avoid reposession of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: IA

Complaint narrative:
Repeatedly have revoked authorization to withdraw from account. Dave inc continues to make withdrawals. The most recent was XXXX, even after multiple times revoking authorization and filing a prior complaint. It has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year>, XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1666b ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1666b.

In accordance to the fair credit act this creditor has validated my rights under 15 USC 1666b. It states the consumer reporting agency can not furnish any account without my written consent. A creditor may not treat a payment under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



. Please remove and delete the above accounts in this statement.

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