vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I linked my personal bank ( XXXX XXXX ) to my Union Bank  XXXX account and transferred {$10000.00} before going on vacation on XX/XX/XXXX. 

XX/XX/XXXX - While in vacation, someone accessed my Union Bank of California account, and initiated a link with " XXXX  XXXX XXXX ''. 

XXXX someone withdrew as a XXXX  XXXX XXXX XXXX an amount of {$30000.00}. 

XXXX I received on my phone a suspicious call from XXXX asking if I was XXXX XXXX from XXXX XXXX ( the account holder ), and if I did government work ( which I do ). The person said we could have some grounds to work together. I apologized and asked if he could call me the next day. I never received any calls from him again, and after learning of the fraud, I called his number-it just rang and rang. This week I called again and received a voice recorded message from XXXX stating that the number was disconnected. 
When we came back stateside, I checked my account at the end of the day on XX/XX/XXXX, and found the transaction which I did not authorize, and immediately called the bank, spoke to an operator and was told that I needed to go to a branch during the week and report the problem. 
Went to the bank on XX/XX/XXXX and the representative ( XXXX XXXX ) called the bank IT department and was told that even though the transaction were labeled XXXX  XXXX XXXX the routing number where the money was transferred to was XXXX XXXX XXXX  into a company called XXXX XXXX XXXX in Florida. This, by itself, should have raised a red flag on their system. 
My wife called the fraud department of the bank 3 days after the claim was initiated and was told that they did not have any record of the claim and that the fault was ours for not protecting our information. Next day she went to the bank and was given a claim number. This week she went back to the bank and finally spoke to the business banking representative boss ( branch manager ) and was told that the bank would have to receive the money back from XXXX XXXX ( she was looking at the bank database ) and this could take 1 year. My wife showed her the transaction log showing money going to a XXXX  XXXX XXXX account and the manager corrected herself saying that it was XXXX  XXXX XXXX. 
I completely lost faith in Union Bank ; they have a poor online system to protect customers interest. Union Bank is in the process of selling the bank to XXXX XXXX  as of XX/XX/XXXX which has a more secure system. I am concerned with what will happen to this claim once it becomes another bank. 
I have XXXX XXXX XXXX on my XXXX  and XXXX, nothing was detected.

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 2022-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an alleged debt of a child support reporting on EQUIFAX and they have failed to substantiate the claim and EQUIFAX has failed to provide me with the promissory note contract EQUIFAX is in violation of credit reporting privacy laws and EQUIFAX has failed to mail me such contract if no contract exist supporting the child support debt EQUIFAX by law have to delete the negative child support report from the credit file immediately EQUIFAX has failed to accurately investigate the child support debt therefore they are in dishonored and have dishonored me and the child support debt have to to be deleted immediately and I demand EQUIFAX to send me the deleted child support remark from the credit report.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, 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 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 2022-11-19 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: WI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The company is reporting late payments on my account that was not late. 

XXXX Bank XXXX Credit Card

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 2022-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The company is reporting late payments on my account that was not late. 

XXXX XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
- On XX/XX/2022, someone impersonated us and went to Citizens bank located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is a XXXX XXXXy from our home made a transferred of {$140000.00} from our home equity account to checking account at the counter. Then, he advanced the money in mostly bank checks at the counter -In order to do this, the suspect needs to pass the facial identification, proper photo identification and security checks ; we did not get a call or text nor any notification from the bank for this unusual transfer and withdraw -Secondly, the withdraw is advanced from our HELOC account performed at the counter, this requires additional security verification, the reason suspect did not make the transfer through phone or online because he is missing a lot of our personal information -I have reported the unauthorized transfer and withdraw on the same day, reported the fraud but the bank refuse to stop payment on the checks. We have not lose our driver license nor any identity cards. Bank never issue a debit card for me on this account. It turns out that the suspect got a replacement debit card in one of the branch. we did not get a call or text or alert for this either- I have made multiple complaints and disputes. when i visited the branch, they tell me to call customer care ; when i call the customer care they tell me to visit the bank because its fraud in the bank - After XXXX Weeks of waiting, all of my disputes are denied, and someone them are erased from the system. They did not give me a single call nor send me any neither affidavit nor proof of evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
A third party check was deposited in my account by my wife. The bank elected to illegally seize all assets and close my account. Now all the funds are in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 Technologies, Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX  I received an email from a loan XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wondering if I was still looking to purchase a home., later that day approximately XXXX XXXX. I started receiving various text messages and emails from XXXX XXXX and current credit cards that monitor my credit profile stating that my credit had been pulled by Credit Technologies , Inc in MI. I immediately thought I was a victim of identity theft as I had no knowledge of this company and I had not applied for any loans. I immediately phoned Credit Technologies , Inc to alert them that this was fraud as I had not applied or purchased anything and nor had I authorized anyone to pull my credit profile. The representative then asked me if I knew a company by the name of XXXX XXXX which was the company that requested them to pull my credit profile. I advised them that I would be disputing this inquiry with XXXX, XXXX, and XXXX as I had not authorized anyone at XXXX XXXX  to obtain my credit report. I hung up and called the loan XXXX which emailed me and left him a message, since I did not hear from him, I texted him at XXXX XXXX. he answered at XXXX XXXX. that he would look into it. Later that evening once I arrived at home, I disputed the hard inquiry with all the credit bureaus. I have emails and text messages that state they ran my credit in error and that they would remove the inquiry, but nothing has been done. My last email from the loan XXXX was on XX/XX/22 said he was asked to write a letter which he stated he wrote and would be submitting it later that day and the inquiry would be removed shortly thereafter. I have called all three credit bureaus as well as Credit Technologies who ran my credit and no one has received any letter stating from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 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 2022-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
i previously disputed Kohls/capital one on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX  account : XXXX 2. XXXX XXXX XXXX account : 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 non-monetary relief
Consumer complaint received 2022-11-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I deposited a check issued from XXXX XXXX XXXX  XXXX Ally Bank. The check was declined stating not enough funds in the issuing account. Ally Bank states XXXX XXXX XXXX  needs to fix it. XXXX XXXX XXXX  states they payed out the check. Neither of them will fix it.

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 2022-11-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: CA

Complaint narrative:
I have attached a PDF file Addressing my issue please Read it carefully the permissible purpose has not been provided to the consumer This is unlawful the consumer has addressed the issue Directly by phone With the Credit Agencies. Credit agency mentioned to the consumer. That they are allowed to pull information without my consent. or my permission.

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 2022-11-19 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: GA

Complaint narrative:
EQUIFAX is currently reporting that I have : 1. A revolving utilization of 125 %. The is wrong because I currently have no revolving accounts. 
2. 30 Accounts with balances, when I only have 25. 
3. Total ending balance on revolving and open-ended accounts of {$11000.00}, when I have no valid accounts. 

This information is wrong and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc
State: MA

Complaint narrative:
I have a investor wallet with Blockfi, which is supposed to be in cold storage. The wallets are in my name and not to be used to satisfy secured creditors in case if bankruptcy comes. Also, I can not widraw my funds at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
IIn XXXX of XXXX someone had used my persona information fraudulently to obtain an Auto Load Through Wells Fargo Auto. The address used was not my address, The signature is not my signature. And, at the time of the fraud I was not residing in the United States, I was residing in XXXX XXXX, more than XXXX time zones away on the other sides of the world. I currently live in XXXX and have resided in XXXX since XXXX. I rarely come back to the US. However, this account appears on my Credit History and as I have explained to Wells Fargo several times, the account is NOT mine, I didn't apply for or Open this account, I reside on the other side of the world, and I am unable to obtain a Police Report from a US Law Enforcement agency because I the account was applied for then charged off several years ago and no law enforcement agency will accept a Police Report. Complicating the problem, I do not have a perinate US address, Wells Fargo will not send documents via email or overseas, and they will not accept a Police Report from a XXXX XXXXXXXX XXXX XXXX. I never applied for, opened, or benefited from the fraudulent Auto Loan Account, the account is nearly 7 years old and charged off almost 6 years ago and needs to be removed from my credit report immediately. The account is NOT mine, I never applied for it and I have done everything possible to resolve this matter. I am unable to obtain a police report since I do not reside in the US, and no one will take the information for a police report due to the age of the account and the fact I do not reside in the US> I just want this account removed NOW!!

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