vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We closed our checking account on XXXX XX/XX/2023, but discovered that Fifth Third Bank continued to draw funds ( {$150.00} ) from our XXXX XXXX account when we received our XXXX XXXX statement a month later and saw the debit. I contacted Fifth Third Bank to find out why they were continuing to draw fund from our XXXX XXXX account to be deposited in a closed Fifth Third account. They denied that they had initiated the transfer or that any transfer had even taken place. I explained that it was in black and white on my bank statement. They accused XXXX XXXX of initiating the transfer. The mystery was solved a few days later when I found an automated message in my " spam '' folder from Fifth Third " informing '' me of the transfer. I contacted XXXX XXXX and was advised to place a stop on any future withdrawals from Fifth Third Bank since they were either unwilling or unable to assist. The stop was placed. 

Fifth Third Bank claims that they did NOT get the funds from XXXX XXXX. However, my XXXX XXXX statement shows a debit. I spoke to XXXX XXXX and they confirmed that the {$150.00} was transferred to Fifth Third Bank, and NOT returned to them. 

When I closed the Fifth Third account, I physically appeared at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX met with a BANKER, and CLOSED the account in XXXX. It was later discovered, unbeknownst to us, that Fifth Third Bank REOPENED the account, they later claimed, so that they could cancel the automatic transfers. The account remains OPEN as of XXXX XX/XX/2023. 

I received a statement from Fifth Third Bank on XXXX XX/XX/2023 ( dated XXXX XX/XX/2023 ) showing a NEGATIVE balance of {$150.00} ( the unauthorized transfer amount ) with a {$37.00} service change. 

I spent another 2 hours on the phone being transferred from one person to the next, and in the end was told to " research it with XXXX XXXX. '' I was also threatened that if I did not pay them, they would make a " report to the credit agency damaging my credit. '' I do not owe Fifth Third Bank any money. 

This is an UNAUTHORIZED account that Fifth Third Bank had no right to reopen after it was closed and they refuse to close the account today ( XXXX XX/XX/2023 ) and end the relationship. 

I have spent hours and hours on the phone being transferred back and forth to numerous people, been given bad information, and still this is not resolved. 

This is a continuation of a complaint that was previously closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Hello Dear Sir, I am reporting this incident that happened to me with a broken heart.I am a XXXX  by profession. I live in XXXX, XXXX. 

On XXXX XX/XX/, my wise.com account which I used to receive my remittance dollars through XXXX  was hacked and more than {$72000.00} USD was stolen from that account. 

I have reported this to Wise.com bank. They started an investigation. But, after 8 months of waiting period and investigation, they weren't able to recover any funds. Also, they refused to reimburse or refund me my stolen funds in their final response. 

Sir, I need your assistance to recover my funds. It was a big amount of remittance stolen from me through a cyber-attack. My phone was hacked somehow which I used to receive XXXX. I haven't received any OTP for making those payments. The Bank is making me liable for this and they even didn't try to track the money, where it goes. 

I have all the documents and invoices of my payments and wise account transaction histories. These are the transfers that made from my Wise account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the account completely from my credit reports. XXXX 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 non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed my bank had made duplicate credit card payments to Chase Bank for the XX/XX/2023 balance statementthe total amount of {$190.00}, which was charged twice. I contacted Chase Bank on XX/XX/XXXX to report the issue, and they assured me they would send me a check for the duplicate amount. Since then, I have often followed up regarding my {$19000.00} refund, and each time, they give me excuses like it is in the mail, once they told me it was unclaimed, etc ..... However, it's been over one month. And I have not received my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: GA

Complaint narrative:
I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is Sallie Mae and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
purchased XXXX from XXXX XXXX XXXX in XXXX, il on XX/XX/. they took out electronic and then when the check got stuck in the reader the got it out after i left and than took it to the bank and deposited it, so than it came out again on XX/XX/. we i called them the said it would be taken care of in 7 days. it was not so i went to my bank and they took care of it. now they turned the check into a collection agency, so now i can't write checks anywhere. they are thieves.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX or around that date or week, i had {$500.00} stolen from my bank account in {$19.00} increments, the moment i woke up around XXXX or XXXX XXXX  it happened and i immediately called my bank and they helped me, i got a new card and a temporary card to use. the person who took my was named XXXX XXXX and the description of the transaction said MOBILE PURCHASE XXXX FL, I am in California, i woke up to a message saying i need to change my address on ups, i believed it because i had bought something online that same week. but they got my info some how. so i called, and they told me they'd handle it, i got my money back and got a temporary card and changed cards to a new one, then on XX/XX/XXXX, I got a temporary credit reversal and the bank took back all {$500.00} back away from me, how is that fair? the proof is in front of them. im in California not Florida and why would i send away {$500.00} in {$20.00} increments. I called them again on the XXXX and 2 out of the 3 people hung up on me. then again on the XXXX because i had to wait for this department to open. and all they did was reopen the claim again and told me to wait up to 45 days, i do not wan na wait at all, i need my money back now, that is my rent money that i need. that is their fault for not protecting my money. not mine. any way you guys can help me. if i can't get my money back im going to change banks. i will be showing two pictures attached, one to show the transactions from the person and where its from, and my new card on the left that i asked for the morning of my money was stolen and my old card on the right.

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I called Wells Fargo several times before closing my account to make sure I would receive no penalties and could close my account at {$0.00}. Several months after I thought I closed the account I get an email notification saying my address has been updated. How can my address be updated when I don't have an account with this company? I tried to log in online and investigate but they won't let me log in. It says I'm not enrolled in online banking. So you're changing my billing address without letting me see the account. I want nothing to do with Wells Fargo and want a regulatory complaint that they are still up to the same old bad practices

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Did not authorize inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
My XXXX account number XXXX credit reporting on the credit reporting bureas, Transunion, XXXX and XXXX are showing a late payment for XX/XX/XXXX  and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. Payment crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is XXXX XXXX and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is XXXX XXXX and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to 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 explanation
Consumer complaint received 2023-10-10 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: NC

Complaint narrative:
I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification. 
I demand the following accounts be verified or removed immediately.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 
5 U.S. CODE 11692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, NC 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 2023-10-10 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: FL

Complaint narrative:
These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX  XXXX XXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXX XXXX  XXXX {$6900.00}

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 2023-10-10 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: FL

Complaint narrative:
These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX  XXXX XXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXX XXXX  XXXX {$6900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: NE

Complaint narrative:
I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: NE

Complaint narrative:
I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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