vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Someone has been using my social to open many accounts and receive government grants and loans and I dont know what else its been happening since 2020 I believe I honestly barely noticed and Ive been devistated ever since Im scared for me and my familys safety every email that I created was took from me and today I was able to get into an old email that they used and i seen a message from my daughters school saying they received inappropriate pictures and videos from my email I dont know what else to do they been making accounts receiving grants in my name and loans and credit cards they have saved pictures from my XXXX accounts that I cant access any more as well I just want help and all this over with please Im only XXXX my daughter is XXXX Im in fear of my life cause I dont know who they are and why they are doing this and no one is contacting me fast enough my whole family is scared to even answered unknown calls because of whats been going on or be on there phone because we think we are being watched from our devices just please help me I dont even know how long it will be before they take the email I created they already got into my credit protection accounts and ID me for the IRS just please help if my email gets compromised please contact my mom @ XXXX to reach me please respond asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I purchased bathroom ceiling fans and pendant lights from XXXX online store as they were running 20 % designer sales along with Free gift with qualifying {$500.00} purchase promotion. 

I completed the three orders ( XXXX, XXXX, and XXXX ) and received email confirmation with the order totals clearly indicating the discounted price and free gifts, but the merchant charged the full amount including the free gift item retail price. I've contacted XXXX for the billing errors, but they were not responsive. 

On XX/XX/XXXX, I opened the dispute cases on the 5 charges ( XXXX merchant individually charged when they shipped the items ) for the price differences as they should've not charged the full amount for the 20 % discount and free gifts. 

On XX/XX/XXXX, I received a letter from Chase indicating that merchant 's original charges were valid and closing the case because they thought the charges were valid. Please see the enclosed the letter from Chase. 

On XX/XX/XXXX, I responded with the original order confirmation emails from the Merchant clearly indicating the 20 % discounted prices along with free gifts and listed detail explanation to show there were clear billing errors. Please see the enclosed letter I submitted to Chase. 

Today XX/XX/XXXX, I received a notification from Chase that they closed my disputes because the original charges were valid and there were no billing errors. Please see the enclosed letter from Chase dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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: OH

Complaint narrative:
I have contacted the XXXX credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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 XXXX 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. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts : Acceptance Now acct # XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX Adjust 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Someone took my info and apply for credit card now I can't remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( XXXX, XXXX, and TransUnion ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX  - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX XXXX, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, 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 2023-05-11 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( XXXX, Equifax, and XXXX ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX XXXX, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was XXXX some money and the person that XXXX me the money reported the XXXX transaction as fraud. I sent the money back. Now my Wells Fargo account is closed

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 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Months before I left in XXXX XXXX, after receiving a targeted mailed promo from Citizens Bank, I opened a savings & checking account online with this bank. 

Citizens Bank accepted my bank transfers of {$5000.00} for the savings & {$50.00} for the checking and for reasons they will not disclose, reneged on the promo and closed my account. The {$50.00} for the checking was retuned -- -the {$5000.00} was not. 

As of today, A YEAR LATER that {$5000.00} has NOT been returned to me. This is my third complaint regarding this. 

Simply put, this is THEFT. There isn't any way to sugar coat it. 

Citizens response is the money couldn't be returned to the originating account -- -a LIE, the {$50.00} went back no issue. Citizens states they don't have, a third party does however the number provided only leads me down a rabbit hole of " we don't know how to help you -- -we don't lead directly with consumers, only companies ''. 

Citizens Bank took the {$5000.00} from me -- it is Citizens Bank 's responsibility to return it to me. 

Now, I am for the third time that my " grateful nation '' to do the right thing and return my money to me. My next step will me to get the assistance of the military base legal office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2023 at XXXX, I got an email saying " Welcome to XXXX! '' - Around the same time, I got another email stating a hard hit inquiry was detected on my credit by my identity theft protection " XXXXXXXX XXXX ''. On XX/XX/2023 at XXXX, I found out the contact information for " XXXX '', called to ask about the inquiry, and they directed me to their bank " Synchrony Bank ''. I was told that an application was filled out in my name I told them to cancel the application and was directed to Synchrony 's fraud department where I gave them further information. I am in the middle of filling out an investigation kit throught my identity theft protection " XXXXXXXX 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 2023-05-11 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: PR

Complaint narrative:
In XXXX, I discovered that I was a victim of Identity fraud and took all the steps to solve the issue. I had XXXX negative account on my three credit reports, and the account is from XXXX partial act # XXXX. I contacted them and told them I had no idea about this account. Also, I sent letters to all the credit report agencies. The item got deleted from my credit report from the three agencies. Still, suddenly now, after Experian deleted it from my credit report, they sent me a new credit repport, including again the negative account. I know my rights, and after 30 days, if they do not answer, they have to delete it, and they did, but they got it back again. Only Experian did this. They cant delete something and put it back again. Please help me because I Wrote letters and letters to Experian and nothing. 

Thank You

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 2023-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2023 I called XXXX after observing my credit score dropping XXXX points. The XXXX agent informed me that XXXX XXXX was showing a collection after I called XXXX XXXX, they stated that it was not true and they reported it paid and satisfied. The Agent also stated that my Mortgage Company XXXX has reported for XXXX, then she said that my student loans weren't in good standing for which none of the information is true my student loans are in good standing and repayment start in XXXX as the President stated. I have paid all my bills on time, and I feel that my credit score should have been in the XXXX hundreds due to credit that was developed over the past year. I've bought a new home and Vehicle verses many other credit items obtained and all has been paid on time and in good standing.

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 2023-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I went on a vacation stayed at at hotel. The money was taken off my card. Then on XX/XX/2023 I have a new charge for the same hotel. I contact cash app and ask what's up. They told me now that between XX/XX/XXXX thru XX/XX/XXXX ... the have been having technical difficulties .... and claimed my money was taken Put back taken put back and then taken. But yet no where on my statements does It say it was ever put back once bur taken two times.from my account. And I said you do not have permission to take any of.my money. Amd now.refuses to even give me any back. They stole my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was alerted of a charge to my Capital One credit card account made on XX/XX/XXXX. When I checked the account activity, I saw a fraudulent purchase was made on my credit card ( my account, husband 's card ) in the amount of {$510.00} at a XXXX XXXX XXXX in XXXXXXXX XXXX XXXX I live in XXXX, XXXX  ). I immediately called the fraud line at Cap One to dispute the charge and they said it was made with the chip card ( I had cut up the card when I received it in the mail so how this can occur is beyond me ) but they would investigate. Not 24 hours later, I received an email stating there was " insufficient evidence '' that I did not make the purchase and I was responsible fir the charge. I called the fraud line again and spoke with a manager on XX/XX/XXXX who called the XXXX XXXX XXXX XXXX and spoke with a staff member there ( while I was on the phone as well ) who looked up my account ( I do have a business account at XXXX 'XXXX XXXX in XXXXXXXX XXXX XXXX  and the staff member told the Cap One manager the only activity I had for XXXX was a purchase I made on XX/XX/XXXX in the amount of {$21.00}. Despite this, because the staff member was unable to look up the credit card information, the Cap One manager told me the case closed, " her hands were tied '' and " there is nothing else I can do. '' Not satisfied with this as I am not willing to pay for criminal activity and fraudulent charges I didn't make in a state I'm not even close to, I called again on XX/XX/XXXX asking for further assistance with the matter. They sent me an email to send any documents I could to provide any evidence to make my case ( basically investigate my own situation, something they should have done for me as their customer! ). I called the XXXX XXXX XXXXXXXX in XXXX ( the store here the purchase was made ) and asked if they were able to bring up footage of that date and they said they would need a police report. I called the non-emergency line at the XXXX Police Department and filed a report for fraudulent charges and explained the situation which is now under investigation. I sent these documents to the email provided by Cap One. I am awaiting reply by the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime locked my account I have funds I need to pay rent I called chime and the said were sorry but you need to email and discuss the matter so I did and they are requesting a tax form that doesn't apply to me they will not unlock my account until I turn that for in I do not feel comfortable turning in a paper with my social security number on it to someone I do not know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
My name is XXXX 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.

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 2023-05-11 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: NC

Complaint narrative:
15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation