vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Reference Bank of America fraud claim : XX/XX/year> received a call from my credit union ( XXXX XXXX XXXX XXXX ) which I did verify the number on caller ID that it was from my credit union. Individual indicated he was from my credit union fraud department and possible fraud on my credit union XXXX card and possible other visa cards. He had my account number both credit union account and my visa account number for both credit union and Bank of America. As I remember, we exchanged several text messages over a couple of hours and I may have said yes to a couple of them, through my ignorance not knowing what I was saying yes to. 
He indicated he would call back Monday the XXXX XXXX after he gathered more info. I went to my credit union on the XXXX of XXXX, found out he ( XXXX XXXX ) was not a member of XXXX XXXX XXXX XXXX team and that he spoofed their number and I was scammed. I immediately closed my account with XXXX, reopened new ones. I then locked all my credit cards ( XXXX XXXX XXXX, locked the XXXX credit bureaus, notified Bank of America XXXX XXXX, they closed the cards and issued new ones. I filed a fraud report with Bank of America and the FTC. Bank of America has denied my claim of fraud for just under {$25000.00} and I have reopened asking for proof of purchases. XXXX charges to someone in XXXX XXXX called XXXX XXXXXXXX XXXX were charged to my card. I was not alerted of these charges, although I had {$500.00} max alert posted. Bank of America has refused the claim saying I authorized it, they have yet provided proof except to say I authorized via text message. I have no merchandize/material resulting from my supposedly {$25000.00} in purchases. I will seek advice of an attorney.

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 2024-11-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Chase Customer Service, I hope this message finds you well. I am writing to address an issue regarding a charge to my account on XX/XX/year>, for the amount of {$120.00}. 

On that day, I was on the phone with XXXX XXXXXXXX when the call dropped, and I noticed my card was charged. I immediately contacted Chase, and a claim was submitted. However, I recently discovered that the claim has been reversed, resulting in my account showing a negative balance. 

Today, XX/XX/year>, I spoke with XXXXXXXX XXXX XXXX XXXXXXXX, who informed me that my account is not active and advised me to reach out to Chase for assistance.

I have attached a picture of my account for your reference. I want to emphasize that I never signed any documentation in person on XX/XX/year>, regarding this charge. 

I kindly request your immediate attention to resolve this issue. Thank you for your prompt assistance. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I initiated a {$15000.00} wire transfer from my personal checking account at XXXX XXXX XXXX XXXX to a business checking account at Truist Bank, which I hold under my business entity. On XX/XX/XXXX, I instructed Truist to forward the {$15000.00} wire to a business checking account I own at XXXX Bank. However, Truist flagged this wire for fraud and placed a block on my account. Following this, I was instructed to visit a local Truist branch to verify my identity and account. Despite complying and having the block subsequently removed, Truist imposed a second block on my account the following day, after which my business account was closed without further explanation. 

On XX/XX/XXXX, the wire transfer was returned under the notation " Return of Transaction Per Fraud Recall '' and, as per my documentation, successfully transmitted back to Truist. I have the official XXXX of XXXX number. However, upon repeated inquiries, Truist representatives have alternately claimed that the wire was either sent back to my XXXX XXXX XXXX XXXX account or never received from XXXX Bank. XXXX XXXX has no record of any wire being returned to my account, and representatives from XXXX Bank confirm that the funds were indeed returned to Truist. I have also attached documentation showing that Truist has directly communicated with XXXX XXXX, stating that they will not return the {$15000.00} and that my account has been closed. 

I have made over XXXX attempts to resolve this issue with Truist Bank, even facilitating conference calls involving both Truist and XXXX Bank representatives. Each institution denies possession of the funds, and I am consistently given conflicting and unsatisfactory responses from Truist regarding the whereabouts of the {$15000.00} wire transfer. On several occasions, Truist has refused to acknowledge bank statements and evidence Ive provided, which clearly demonstrate the origin and flow of these funds from my XXXX XXXX account. 

I require immediate clarification on the status and location of these funds, as well as formal documentation confirming Truist 's receipt or final disposition of the {$15000.00} wire transfer. Please respond promptly and definitively to address this matter.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint due to unauthorized information listed on my credit report and a violation of my privacy rights. A bankruptcy record has been reported on my credit report without my consent and without valid authorization. This record is listed as a public record, which I believe is not compliant with the standards for accuracy and privacy required. Credit reporting agencies are required to ensure the accuracy and privacy of the information, and is restricted with the dissemination of personal and private information by third parties- the listing of this bankruptcy on my report appears to violate my privacy rights under the law.

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
We traveled to South Carolina in XXXX. During this trip we rented a XXXX passenger XXXX. When we showed up it was only a XXXX passenger so they messed up and had to upgrade me to a XXXX passenger as they didn't have any XXXX passenger. They were supposed to keep me at the same price at what was quoted. They ended up charing me almost XXXX dollars more and wouldn't come off of that. I have sent Citibank the files showing original quote and charged amount 4 times. They opened and closed the dispute without talking to me or asking for any other documents. They have refused to reopen it despite me asking them to do this several times by phone and email. I have told them I will close my account immediately if this doesn't get fixed. I want a real person to call me so walk through the documents I sent and them get a bona fide statement from me. They are pencil whipping this compliant and dispute without any regard for the customer. This is a common issue with Citibank. I want this escalated with the company

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 2024-11-01 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:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX, XXXX opened XX/XX/XXXX Total {$1000.00} XXXX XXXX XX/XX/XXXX Total {$0.00} Dept of EDXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : {$3800.00} Fingerhut/webbank Dept of EDXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$2400.00} Also inquiries listed below : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT I DID NOT GIVE ATHORIZATION TO THESE ACCOUNTS TO RUN MY CREDIT PLEASE DELETE PROFESSIONAL FINANCE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-01 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-11-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of 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 reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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 2024-11-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2024-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Experian for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored. As a result, Experian is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : Experian Experian reports discrepancies in payment history as well, despite repeated disputes : Two-Year Payment History : Reflects inaccurate XXXXday late payments.

Days Late - 7 Year History : Incorrectly lists two 30-day late entries.

Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Experian. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, 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 explanation