vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I experienced financial fraud on my Citibank card, multiple charges. I have had extensive challenges completing this project with Citibank. They removed XXXX charge but left another that has been compiling interest and fees since XX/XX/XXXX even though it was reported. I filed this in a dispute with XXXX ( XXXX ID number XXXX ) but I haven't had the card closed in response to the report. I have attached some evidence associated wit this case. I do not have a dog and my phone number is a XXXX area code ( see attached folio for fraud charge in question ). 

The CitiBank communication portal online is not working to complete this task and I am disabled.The account was not closed and thus unauthorized charges have been made between the dates of XXXX XXXX, XXXX to present day.

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 2022-11-03 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: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account 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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Recently, I became aware that a claim for debt is listed on my credit report from XXXX XXXX. On XXXX, XX/XX/2022, I spoke with XXXX at Hunter Warfield regarding the claim. I advised XXXX that I have video and photo evidence to support my dispute against XXXX XXXX. XXXX stated that no one has ever submitted proof to resolve a dispute and requested that I email the information to XXXX for review. XXXX informed me that I would receive an answer regarding case # XXXX on Thursday, XX/XX/2022. 

On XXXX, XX/XX/2022, I contacted Hunter Warfield to confirm that the emails were received and reviewed. XXXX confirmed, and this case is being expedited based on the video and photo evidence submitted via email. 

On Thursday, XX/XX/2022, I followed up to inquire about the status of my dispute. XXXX requested that I resubmit the same videos for review. I advised XXXX that I would resubmit the information for this dispute to be closed. 

Rent included valet trash. 
On the night that I moved out, the office was closed. Therefore, keys and fobs were left in the maildrop located at the front office. 
There is also an inconsistency within the Condition & Disclosure regarding the dollar amount for a plank. 

I am seeking a resolution with a verification letter that the charges have been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: OH

Complaint narrative:
I am looking at my credit report and I have an exorbitant amount of soft inquiries by Equifax. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports- Each of those Inquiries are against the law and subject to a {$1000.00} fine for each, paid directly to me. I am including a copy of each Inquiry below. I am submitting this through the CFPB to document and record this complaint. I am a law abiding citizen and it seems that Equifax can just do as they please while breaking the law constantly and negatively affecting the person 's credit/life. I am here to assert my rights fully and to collect the {$1000.00} fine per each soft inquiry on my report. If Equifax Willfully and Knowingly decides to further deceive me or the CFPB from this point on, then that is subject to more penalties and fines. I intend to take this as far as I need to to hold Equifax accountable for breaking the law and bullying me and causing irreparable harm to my reputation. I also intend for those inquiries to be removed from my report. 

Soft Inquiries Inquiries that do not impact your credit scores. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to XXXX  years. 

DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX UPDATE Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX XXXX CARD PREQCARD XX/XX/2022 XXXX  XXXX Soft Inquiry XX/XX/2022 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: MD

Complaint narrative:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU TRANSUNION PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX  XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account 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 2022-11-03 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: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WHEN LOOKING AT MY XXXX CREDIT REPORTS ITS A WELLS FARGO ACCOUNT SHOWING INACCURATE INFORMATION, ACCOUNT, LAST VERIFIED, DATE REPORTED, DATE OPENED, CLOSED DATE, CREDITOR TYPE, PAYMENT STATUS, TERM LENGTH, ARE ALL INACCURATE AMONG ALL THREE CREDIT BUREAUS .THE ACCOUNT IS ATTACH FOR PROOF.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC, like many financial institutions, allows for transfers between accounts to pay loans and credit cards held with them. My most recent payment to my credit card with them, using this transfer feature in their mobile app, was on XX/XX/27. Today is XXXX, and while the balance on the card reflects the payment made, the transfer has still not hit my checking account with them. Taking more than XXXX business days to process a payment is excessive. 

Similarly, I have an auto loan setup with them on autopay. This does not display in the app. Rather than taking the paymeny for the loan on the due date ( again, even when the due date is a business day ), there are delays in the payment made and no way to confirm it has been done in the app. When I asked customer service about this, they confirmed this is by design. 

For people who only have access to the internet through the mobile app, these systemic delays and lack of transparency surrounding pending items undoubtedly lead to people thinking payments have already gone out and making purchases based on balances that should reflect pending payments to PNC products, but do not. I have no faith that this is anything but intentional and would like PNC to process payments made to internal loans and credit cards within XXXX business days at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: MD

Complaint narrative:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: MD

Complaint narrative:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My student loans are being reported late and XXXX has sent XXXX notifications since XXXX that youre reporting is incorrect and you have yet to fix it. 

XXXX Credit Card has also sent you a notification to remove a late payment from XX/XX/2021. 

The other credit reporting agencies have already addressed both of these issues and you have failed to update my credit report to be accurate as required by the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2022 I tried accessing my USAA mobile application ( as I do every morning ), and noticed my credentials were rejected by the system, and a message populated stating that my account was locked. I called, and after being transferred to multiple people over the course of nearly two hours, I found out that USAA decided to investigate my account for potential fraud activity. Unfortunately there wasnt a single person able to explain the reason behind the review, and my biggest fear was ( and is ) that such review was the result of some kind of account/profile takeover. Nobody would give me a straight answer, and the best they could share with me is that such reviews are taking up to 5 days! Meanwhile, I can not access my accounts, neither can I request any transactions such as ACH or wire transfers. As a result of this I have lost {$1300.00} on non refundable fees from a vendor whom I was doing business with the day prior, and had put non refundable deposits down towards a personal purchase I was trying to make. I am not sure what USAA is thinking, but it would help to gain some clarity about the root cause of their review. While I respect banking processes, both execution and communication must be done/timed rightly, neither of which USAA seems to understand. The bottom line, I need access to my account ( and my funds ) immediately and Im not in a position to wait for USAA to take their own time to complete whatever it is theyre attempting to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or 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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX Bank XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. 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 artedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-11-03 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: AL

Complaint narrative:
I recently check my credit report and found an account in collections that has severely damaged my credit score. I dont own this account nor have any knowledge of this account. According to the FCRA I have the right to dispute and account thats not accurate or that dont belong to me. I tried to dispute this account but the only thing I got back was verified. I didnt receive any paperwork stating that this was my account or any prof that this was my account. I want this matter investigated and deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
I have disputed XXXX XXXX XXXX with XXXX. XXXX did a proper investigation and deleted this account from my credit report on XX/XX/20. 

However I have been disputing this same account with Experian and submitted overwhelming exhibits/ proof that this account is inaccurate and considered operating under false pretense. Fraudulent and misleading the public as well. Company is a scam. 

This is my final attempt with Experian before a lawsuit may be filed against Experian for improperly investigating my dispute under the FCRA. XXXX XXXX XXXX has not even replied to the FCRA. This is simply because the are not conducting a legitimate business.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This is a report of illegal use of my Chase Bank issued visa credit card by a felon who lives in another state. The felon charged over {$1700.00} on a card where no other persons than myself are authorized to charge paying her bills and buying goods and services. This person also attempted to change the profile and successfully changed my email address so she could go undetected. I now have her identity because the bank replaced the cards with one bein in her name. Her name is XXXX XXXX, XXXX, lives in XXXX, PA and I have a report on her and a picture of her from a background search. This is the name on the card which I still have in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Someone opened an bank account online on XX/XX/22 with my name and also used my name for a car online also I took went and are using my name also for payday loans I have been getting emails about it. I called Bank of America and they are in the process of closing the account 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
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account 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