vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OK

Complaint narrative:
My social security direct deposits will not go into my bank account because LexisNexis has a death record on me in their file. When I discovered that the social security administration ( SSA ) had mistakenly declared me deceased in their death master file I immediately cleared that up with the SSA. Of course I also began the arduous process of notifying everyone else that I could think that needed to know most especially my bank. Still my SSA payments were being rejected. Neither the SSA nor the XXXX XXXX XXXX XXXX XXXX  ) could understand why. It took some time to realize the reason was LexisNexis. On XX/XX/XXXX I sent everything that LexisNexis required to launch a dispute. On XX/XX/XXXX I was told by XXXX a LexisNexis agent that the dispute was resolved on XX/XX/XXXX and that I was no longer deceased in their records. XXXX told in 7 to 10 days I would receive a letter to that effect and my consumer report. The problem is that I am still deceased on their records. I know this because the agents at XXXX tell me when they check out my social security number with LexisNexis I am deceased. At first LexisNexis argued that it just couldnt be because they had removed the death record. Finally on XXXX XXXX a supervisor admitted they did not delete everywhere. She told me that she would personally walk this issue through with her technical people. I told her I would give her XXXX business hours to correct it. Yesterday XXXX  that was up, I called to speak with her and was told she would call me back she did not. This is the evening of XXXX I think XXXX hours business hours was reasonable considering, I first gave LexisNexis all they needed on XX/XX/XXXX. I checked with XXXX late today and they tell me I am still deceased according to LexisNexis. They also tell they can not continue checking for me. This is more than I cant get my XXXX direct deposit. What chance would I have of getting credit if Im reported deceased? I have attached the part of the consumer report that LexisNexis sent to me on XX/XX/XXXX the one that was supposed to prove resolved. Clearly on page XXXX there is my death notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one credit card took XXXX points from XXXX dont know why this is discrimination as consumer. I would appreciate if this situation is investigated thank you so much for time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 12. The inquiry was not authorized AUTOMTV CRDT Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2023-05-04 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: TX

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, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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:
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, has violated my rights. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/ my ( XXXX ) WELLS FARGO debt card was stolen from my wallet and used at a various stores I lost XXXX and a lot of fraudulent unauthorized charges are on my statement, I filed claims ( # XXXX ) and ( # XXXX ) I was told by Wells Fargo the money would be returned to my account in 10 days. Wells Fargo refuse to help me get my funds back. They sent me a They sent me a new debit card. Thats the only action that was took. Wells Fargo close and denied my claim XXXX XXXX. Im writing to you again because I am crying for help. please! Help me! XXXX is a large amount of money to me! I make {$10.00} an hour and I can't afford to lose this much! 
Please refund the money that was stolen from my account. You can contact me at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 agency 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 2023-05-04 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: NJ

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Claim # XXXX Date : XX/XX/XXXX Payment amount : {$660.00} check number : XXXX To : XXXX XXXX XXXX XXXX XXXX Payment amount : {$840.00} check number : XXXX To : XXXX XXXX XXXX Total : {$1500.00} XXXX, XXXX XXXX XXXX, holder of checking account number XXXX at Chase Bank, am the owner of an XXXX  company in XXXX, and that is why I made 2 payments for invoices referring to films distributed by my company in XXXX, one was to XXXX XXXX and the other to XXXX XXXX. I made these payments through my personal account, as I don't have a business account here in USA. 

On XX/XX/XXXX I made these 2 payments by ACH at Chase online bank, and payments were sent by XXXX ACH checks. In the end of XXXX I asked if they received the amounts and both XXXX and XXXX claim they have not received. I opened this claim on XX/XX/XXXX, and since then I have sent the requested forms by fax through the Chase branch near my home, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but every time I called them to confirm, I was informed that they didn't receive it. 

Them in XX/XX/XXXX, I sent by mail all the documentation I had regarding the XXXX payments. The track number is XXXX. 

I've sent them : - Copy of both checks, which does not show the recipient of the amount, note that XXXX does not even have a XXXX XXXX account. 
- Copy of the e-mail, where the recipients claim not to have received the checks.

- Copy of the Wire Transfers, which I had to make the payment again.

- Copy of invoices. 

I followed the tracking and after seeing that the documentation arrived there, I called to confirm. Chase said it received it and would review and send a response. 

On XX/XX/XXXX I receive a letter saying that they could not recover my funds and that they were closing my claim again. 

I kindly ask you to review the case with the Chase, with all the evidence sent. If it was these companies that deposited the checks, I want proof that really proves it, so that I can recover the amount I overpaid. In the proof of payment provided on the Chase website, it is not clear and does not even mention the name of the account holder from whom these amounts were received. 

All I am asking is a clarification, and if the check takers weren't who they were meant to be, I want my money back. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
Credit reporting agencies is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They all are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I purchased a vehicle, XX/XX/. The financial lender that was selected by the dealership based on the rates was, XXXX XXXX XXXX. I was not familiar with the institution I later learned they were popular in the XXXX but didnt have any physical locations in XXXX  XXXX This was the first mistake that I made because as a result I have never been able to build a rapport with the company and have had to endure a vicious cycle of struggle. 

The global pandemic began a month after I purchased the vehicle but I could not return the vehicle. During that time, lenders were offering payment deferrals because no one was working. XXXX XXXX bank offered me a payment deferral plan, I believe in XXXX of XXXX. This was a relief because now I didnt have to worry about that expense, or so I thought. 

90 days later I received a notification from the credit bureaus, I was penalized as having a multitude of late payments XXXX days all Im regards to auto loan. When I called the institution they claimed that they hadnt filed the form, another agent told me there was no form, I asked for them to review the automated conversations because everything was recorded. But, there was never any resolution. These late payments resulted in my credit score dropping over 80 points. I have had trouble over the last several years rebounding. 

These impacts, based on a relief packaged advertised during the pandemic, have resulted in me being denied for opportunities by lenders and landlords. I have had to live on a living room couch because of the snowball effect of what they did to 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 explanation
Consumer complaint received 2023-05-04 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:
I found a number of mistakes on my credit report and I contacted EQUIFAX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX or XXXXXXXX XXXX got into my account and submitted the disputes on my account in total of XXXX company called me and told me they put funds into my account and wanted me to buy bitcoin with that money so they would give me XXXX in a personal loan for doing this for them. Also they said state of Florida seized my loan and wasn't able to get loan. I went to bank and they said I was responsible for the XXXX. I don't know how I am since loan company did the hacking

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX is not accurate and should be removed 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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023, I was informed that my Citi bank account is blocked while I was trying to withdraw money in a bank. The reason they told the tell is that my account is relatively new and it needs additional information verification. Someone will call to verify. However, nobody called me and I got an email saying the bank could not reach out to me. Therefore, I called back several times. After that, they have informed me that they think someone is taking the money from my account, that is why my account is blocked and they need to review the account, they would not unblock it. Knowing the situation, I checked back at the afternoon, and the lady picked up phone transferred me to a specialist. The specialist told me that my account is in the process of closure and if I need the money I could go to a branch and get the money as check. So, I went to a branch immediately and see the banker Im familiar with. He told me that since there is money pending on my account, he could not release the money, but I could check back the next day, everything should be alright. On XX/XX/2023, early in the morning, I went to the branch and checked with a teller. The teller called the department but they would not release the money. Therefore, I made the phone call myself to check what was going on. I made several phone calls, they informed me that I have to wait for 60 days until my account is closed, so they will send out the check to get my money. I explained the situation that I will be leaving US at the end of XXXX and not back until XXXX, I need the money urgently. However, they all said As for now, I need to disconnect this call, thanks. Nobody answer or offer any solution to me, they were all like robots. I decided to see my banker again. My banker tried to call, but everyone picked the phone just transferred the banker to different lines with the saying that Im not responsible for the problem. At the end, no one has answered any of our questions and offered any solution to us.

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 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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