vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IN

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX Unauthorized change of address submitted to my custodial account. 

I did not notice the unauthorized change of address until I moved and logged into my online banking to change to my new address on XX/XX/XXXX. 

I contacted bank on XX/XX/XXXX & XX/XX/XXXX The unauthorized address that was on my custodial account, is the address of my child 's father who I was never married to and have never shared any accounts with. The address has never been associated with my name. 

I have a active XXXX order under Indiana codes IC 34-26-5, IC 34-26-5-9 My child on the custodial bank account has a current case entry into the Department of State CPIAP program. This case entry is because father is a XXXX XXXX XXXXXXXX, which is documented in court proceedings. 

I need to know how this address got on my account. The bank has no record of address change from the time period XXXX. 
I am requesting further investigation into any and all deleted data on that account. All recorded bank phone calls for that account in that time period of address change. And any IP address that has logged into my online banking. Any data on bank locations visited, other than my local banks I frequently go to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/2020. My account was on auto bill and my payment of XXXX did not go through. I reached out to the company and they said that the saw that the payment tried to go through but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 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 non-monetary relief
Consumer complaint received 2022-08-23 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: NJ

Complaint narrative:
EXPERIAN has my private information that includes account numbers, my social security number & more with out my consent. This is aggravated identity theft. They do not have my written instructions to furnish a consumer report and/or credit report. They are continuously willfully not complying with the law and ignoring my demands to remove XXXX XXXX XXXX XXXX and XXXX from their system and off of my consumer report which they call a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hi, I don't want to wait another two years to receive my funds. 

Back in XXXX I filed a case in the XXXX XXXX XXXX Courts to have the state of my late grandmother administered. They ended up appointing some attorney name XXXX XXXX as the administrator of the estate. Doing her time, she's made a lot of errors in handling and closing this estate. However, that's not here nor there. Recently the house that was the only thing in the estate was foreclosed on in XXXX in XXXX which left some surplus funds for the heirs. The attorney didn't file to close the estate until XXXX of XXXX. The estate was finally granted a closure by the XXXX XXXX courts in XX/XX/XXXX. 

She issues us/me a check. I went to deposit the check and it got flagged by Chase Bank. Chase will not issue me the funds because they can not verify the issuer of the check which is XXXX XXXX the estate administrator. They are trying to verify her through a third-party system by the name on the check that she issued. They also ran her business phone number and it's not coming up. XXXX XXXX name is currently XXXX XXXX which was formerly name The Law Office of XXXX XXXX XXXX. She also recently moved to a new location. However, none of this with Chase Bank matter. I assume that when they run her phone number XXXX through a third party that it comes up under her old business name. 

Because of her lack of understanding and having never dealt with anything like this she is refusing to help me help Chase verify who she is. I've had her on three-way calls talking to a bank representative and she still don't understand what she needs to do. On XX/XX/XXXX we told her to cancel the check and reissues it. However, she refused to do so. She is calming that she will reissue a check once the funds are returned to her. however, she's not understanding that Chase Bank will not reissues/return the funds or check to either of us! 

Chase is calling it fraud and she's thinks I am playing game. Chase has told me that in 10 business days they will close my account and hold the fund in suspension for up to two years before it is release to the state of GA. At which point I will have to go through some unclaimed funds process to get my inheritance that I've been waiting on since XXXX. My grandmother has been deceased almost 22yrs.

Because the estate is now close under the courts authority she has no obligation to me, and I can't go to the courts for help! 

I have been fighting these issues since XX/XX/XXXX with no results. XXXX XXXX can be reached at XXXX or XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2022, I had an issue with fraud on both my online banking and also in branch withdrawal fraud. To begin someone was able to access my online banking and transfer funds from my savings to my checking account and then make two separate in branch cash withdrawals. On the morning of XX/XX/XXXX, I realized what had happened, so I immediately went and spoke to my local Wells Fargo branch. In doing so I took all precautions that I possibly could including filing fraud claims for the online transfers and also a separate one for the in-branch withdrawals. In addition, I also set up new checking and savings accounts to further prevent any additional fraud that may happen. One of the withdrawals what's for the amount of {$6000.00} and the second was for {$6500.00} for a total of {$12000.00} lost. Since the claims were filed, I have kept in almost constant communication with my local Wells Fargo branch and the online fraud help center. This communication has been reciprocated very poorly and I have learned a little on my situation.

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 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.

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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF UTILITY ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 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 602 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 non-monetary relief
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were unauthorized without consent. 
XXXX XXXX XXXX  XXXX XXXX XXXX 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 2022-08-23 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: NY

Complaint narrative:
I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bill, drivers License, and W9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$100000.00}. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W9, and current Utility bill as verification of my ONLY address.

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 2022-08-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.

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 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XXXX 

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 consent.

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 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one showing I was late on a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the follow=? ing charges on my credit report. all correct information for all XXXX credit reports are supposed to be 100 % accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed theft or incorrect information

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, XXXX and TransUnion. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, XXXX and TransUnion failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. TransUnion only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from Experian, XXXX and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus Experian, XXXX and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

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 2022-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there was several companies that were not authorized to check my credit, therefore the inquiries from these companies are considered fraudulent.

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