vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a savings account with capital one. I received a letter from capital one stating that because of a court case involving me in the state of Utah they had been instructed to garnish my account over {$1200.00}. After contacting the courthouse in Utah it took me 30 seconds to discover the problem Capital one Negligently removed the money from my account rather than from someone else with the same name. The courthouse was able to verify for me that the Social Security numbers did not match, the birthdates did not match, nor did the state of residency. I have reached out to capital one and tried to fix this issue, but they still have not yet returned my money to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: DE

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, my husband and I had deposit our IRS check to his Citibank account at a branch atm where my name wasnt on the account. Citibank sent us the check back and told us they couldnt deposit the check because my name wasnt on the account. We go to the branch and speak with an associate. She helps us open a new account under both of our names and tell us that Citibank will send us the check back and we can re-deposit the check to our account but to use a teller and not the atm. We received the check and I go to a Citibank branch closer to our home. During this time we also had transfer the funds from his individual account to our share account there at the bank in person. We had also deposit our paychecks. Citibank then closes our account due to fraud because we deposit the check they sent us back. Now all of our money ( {$15000.00} ) is frozen in the account for the last 30 days. They say the investigation takes 30-60 days but they have not communicated with us. We have banked with them for 10 years and now theyre doing this to our family putting us is a very difficult position.

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 2024-04-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate such as addresses which I have never lived. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the or the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately : Address : 1. ) XXXX XXXX XXXX XXXX, XXXX XXXX  2. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 3. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-19 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: CA

Complaint narrative:
My credit report shows the balance as over the limit but my balance is XXXX I had an issue with a merchant charging me a bunch and this is negatively effecting my credit.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
The three main credit bureaus, namely XXXX, XXXX, and TRANSUNION, have reported a negative account from XXXX XXXX  on my credit file. However, this account and balance do not belong to me. I have already attached a letter from XXXX XXXX  stating that after their thorough investigation, they have confirmed that this account is not mine and that it will be removed. Despite sending this letter multiple times, the negative fraudulent account remains on my credit file. Additionally, I have also submitted and attached the FTC report. XXXX XXXX  has been violating rules under the Fair Credit Act and Disability Rights, continuously refusing to properly resolve and correct this matter. I have been patient and waited for their response, but they have not taken any action yet. n patient and waited for their response, but they have not taken any action yet.

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 2024-04-19 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: CA

Complaint narrative:
The three main credit bureaus, namely XXXX, EQUIFAX, and XXXX, have reported a negative account from XXXX XXXX on my credit file. However, this account and balance do not belong to me. I have already attached a letter from XXXX XXXX  stating that after their thorough investigation, they have confirmed that this account is not mine and that it will be removed. Despite sending this letter multiple times, the negative fraudulent account remains on my credit file. Additionally, I have also submitted and attached the FTC report. XXXX XXXX  has been violating rules under the Fair Credit Act and Disability Rights, continuously refusing to properly resolve and correct this matter. I have been patient and waited for their response, but they have not taken any action yet. n patient and waited for their response, but they have not taken any action yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated and angry that despite multiple attempts to rectify the inaccurate information on my credit report, it has not been corrected. This blatant disregard for accuracy is unacceptable. I demand immediate action to fix these errors and ensure that my credit report reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FIRST HORIZON BANK
State: SC

Complaint narrative:
As a beneficiary of XXXX XXXX XXXX XXXX checking account at First Horizon Bank they were to disburse funds just under {$7000.00} to me. First Horizon chose to issue a Cashier 's check and transmit it through XXXX. Subsequently, XXXX lost the package and has admitted fault in writing. First Horizon is illegally holding my funds in violation of 12 USC, Chapter 14. Please see the email chain below which is self explanatory : XXXX, The stop payment or hold on the cashier 's check has nothing to do with First Horizon 's responsibility to provide my funds in a timely manner and on demand. First Horizon chose to disburse the funds by cashier 's check and to transmit it via XXXX, when the fastest and most secure method would have been electronic transfer. XXXX has admitted fault, in writing, for the loss of the cashier 's check. Therefore, should the check be cashed illegally the appropriate action for First Horizon to recover it's funds would be through a claim against XXXX. 
I hereby demand immediate transfer of my funds by electronic transfer. Please elevate this matter to the most senior management person employed by First Horizon as lower level personnel may confuse internal First Horizon policies, rules or regulations with Federal Banking Law. 

On Thu, XXXX XXXX, XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX wrote : XX/XX/XXXX will be when the check will be reissued. 



XXXX XXXX XXXX. Relationship Banker XXXX office | XXXX fax XXXX XXXX XXXX XXXX NC XXXX NMLS # XXXX From : XXXX, XXXX XXXX. 
Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Reason for 90 waiting period XXXX, this is the stated policy & law per my department. I asked them yesterday that stop payment will not be completed till 90 days from the date we filed the form due to compliance and state law. 





The Uniform Commercial Code, which has been adopted in one form or another by all states, generally governs rights to cashier checks. It states that a bank may dishonor a cashier check if the claimant, which may be the client that ordered the cashier check or the payee of the check, provides a sworn, written statement ( known as a declaration of loss ) that the check was lost, stolen, or destroyed. The claim goes into effect 90-days after the cashier check is issued. In nearly all other circumstances, the bank is not permitted to dishonor a cashier check and could be held liable for expense, loss of interest, and consequential damages resulting from the nonpayment of the check. See U.C.C. 3-411 ( a ). Generally speaking, though, other than the lost, stolen, or destroyed situation, a bank should not stop payment or dishonor cashier checks. 



XXXX XXXX XXXX. XXXX XXXX XXXX office | XXXX fax XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have deposited a total of {$1300.00} into Bank of America ATM # XXXX - XXXX XXXX, XXXX. The ATM only credited {$1000.00} and refused to accept {$6.00}. I am missing {$340.00}. Bank of America keeps sending from department to department with no resolution.

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 2024-04-19 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: CA

Complaint narrative:
The three main credit bureaus, namely EXPERIAN, XXXX, and XXXX, have reported a negative account from XXXXXXXX XXXX on my credit file. However, this account and balance do not belong to me. I have already attached a letter from XXXXXXXX XXXX stating that after their thorough investigation, they have confirmed that this account is not mine and that it will be removed. Despite sending this letter multiple times, the negative fraudulent account remains on my credit file. Additionally, I have also submitted and attached the FTC report. XXXXXXXX XXXX has been violating rules under the Fair Credit Act and Disability Rights, continuously refusing to properly resolve and correct this matter. I have been patient and waited for their response, but they have not taken any action yet. n patient and waited for their response, but they have not taken any action yet.

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 2024-04-19 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/2023

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 2024-04-19 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/2023

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 2024-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX  # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Our business checking account with MNT Bank was compromised and a series of unauthorized ACH debits were taken. Once realizing these debits were occurring, we contacted MT Bank and were advised to close all accounts and to reopen new accounts. We were able to recover a small portion of the ACH is debited, but still have a large portion that is outstanding. MNT Bank denied an initial investigation uncovering the remaining funds and claiming not having support from XXXX XXXX to conclude the investigation. We are currently fighting to retrieve over {$35000.00} and missing unauthorized debited funds spoke with XXXX XXXX, and they are not able to launch any investigation as we are not the account owners that the credits went into, the financial institutions to try to get a resolution

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 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP
State: AK

Complaint narrative:
Clear recon Corp which is part of AldridgePite law firm out of XXXX XXXX California is operating illegally doing non-judicial trustee sales in Alaska without the required business license to operate as a trustee in Alaska and without the required Bond under Alaska Statute AS 34.20.125. 
Clear Recon Corp is using XXXX XXXX XXXXXXXX name as fictitious beneficiary and actually evicting illegally elderly homeowners in Alaska in violation of their civil rights, especially violation of article 3 which clearly prohibits the use of any state process to deprive people from life liberty and property which has to take place only in a competent court, which is a federal court, with total disregard and violation of the fourth amendment to enjoy your property protected from trespassing by XXXX, the non-judicial foreclosure sales take place without any evidence by abusing the Alaska court system buildings and then they illegally record without any legal oversight fictitious trustee deeds and then somehow convince Alaska judges to send law enforcement to evict elderly people from the homes without due process and total disregard to civil rights under the fifth, fourth and 14 amendments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation