vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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:
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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 1681c. ( 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 seven 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.

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 2024-01-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-01-05 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: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time, yet they are being reported as late.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I tried to transfer money out of my account to an online savings account and Citibank closed my account. I need my money back ASAP

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 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Someone added themselves as an authorized user to my Chase banking account and subsequently withdrew approximately {$24000.00} on XX/XX/. 

On XX/XX/, I received an email regarding my Chase bank account that my address had been changed. I immediately contacted Chase bank ( XXXX XXXX  MST ) and spoke to a representative who told me someone had added themselves as an authorized user and opened a new savings account under my name and ordered new debit cards. I was then told this issue would be taken care of and my account would be placed on hold. I called again and spoke to another representative who gave me more information regarding the situation. He informed me that someone physically into a Chase bank branch in XXXX, Georgia ( XXXX XXXX ) and added themselves as an authorized user to my account ( I live in XXXX XXXX XXXX, UT ) even though I have no relation to them. They were using the name XXXX XXXX ( unsure of spelling ). They also changed my account address. This was all approved around XXXX XXXX  EST by the branch manager at that location, XXXX. I was again informed by this Chase bank representative that my account was on hold and that no money had been moved out of the account. They changed my username and password. I also went into my local branch in XXXX XXXX XXXX and spoke to the branch manager, XXXX XXXX. He informed me that no money had been transferred and my account was in fact on hold and no money could be moved. 

After work, I logged back into my account and noticed there were two separate withdrawals initiated from my savings account for {$9500.00} and {$15000.00}. 

I immediately reached back out to the Chase fraud department and spoke to another representative. They informed me that the person had indeed added themselves as an authorized user to my account my coming into the XXXX XXXX Chase Bank in XXXX, Georgia and this was allowed by the manager there, XXXX. They then subsequently made direct withdrawals at XXXX XXXX  EST of {$9500.00} and {$15000.00}. They then went to another Chase bank in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ) and attempted to directly withdraw {$40000.00}. This attempt was denied by the teller. 

I logged in the following morning and then pending withdrawals had subsequently been completed. Despite reporting the fraud 1 hour after it happened ( to 2 separate people over the phone and in person at my local branch ) and being informed that my account was secure and no money could be transferred, this person was able to withdraw over {$25000.00} from my account. This is a failure on the banking institution and raises suspicions of fraudulent activity within the Chase banking system, particularly at the XXXX XXXX Chase Bank ( branch manager XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: WA

Complaint narrative:
I have taken the necessary steps to address the inaccuracies on my credit report by instructing Experian, XXXX, and XXXX to reinvestigate specific accounts that have raised concerns due to their inaccuracies and errors. The accounts I've requested reinvestigation for are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these concerns, all three credit reporting agencies have asserted that everything is complete and accurate, even though clear inaccuracies persist. This response is in direct violation of the mandate outlined in 15 U.S.C. 1681i ( 5 ), which obligates these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, it is crucial to emphasize the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have not complied with this critical provision. 
I possess compelling evidence supporting my claims of credit reporting violations and, as a result, have submitted this formal complaint to the Consumer Financial Protection Bureau. My primary objective is to secure a resolution that ensures the accurate reporting of my credit information, in alignment with federal laws and guidelines, while holding the credit reporting agencies accountable for their non-compliance.

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 2024-01-05 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, my wife XXXX XXXX and I checked into XXXX XXXX XXXX  in XXXX, OK on an XXXX 3 day reservation she had booked. We paid with my Citibank credit card # XXXX for {$420.00}. 

Several hours into our stay XXXX called us to say we must leave immediately. Apparently because of my past criminal history I'm not allowed to stay at an XXXX. So we left. The hostess assured us along with the XXXX representative that our money would be refunded. 

We never received a refund. I contacted Citibank to file a dispute. XXXX then replied to Citibank sending them a copy of the contract. Citibank refused to reimburse me. I never got to stay at the XXXX XXXX XXXX so why is XXXX allowed to charge me if they kick my wife and I out. 

I will to be reimbursed my {$420.00} from XXXX that they stole from us.

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 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I had a credit card of {$300.00}. I was unable to pay due to moving. Well now somehow on there I owe over {$800.00} ... on a XXXX dollar credit limit card. Absolutely wrong. And when I try to log in or find any information it says my account has been 'suspended ' so I cant even get any information. I also never got any calls or emails or letters saying they were closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a Citizens checking account and had no issues with the account. I woke up on XX/XX/XXXX, and my online banking privileges were not working. I called in, they told me my account was under review and my account would be closed ( Gave me no reason and to this day have not given me any reason! ). 

On XX/XX/XXXX mid-day went into the XXXX, PA branch office, to request my funds. I was told anything pending would be paid and that my paycheck for XXXX would be posted and I could come back in on XX/XX/XXXX to close the account and receive the remaining funds. When I came into the branch office, I waited to over 4-5 hours spoke to numerous people both in the Branch and then on the number provided above to discuss. They informed me that they would not give me my funds ( MY FUNDS of approximately XXXX!! ) and that I would be receiving a generic letter and at a much later date I would receive a check for the remaining funds. They provided me with no information or timeline or reason. 

They are holding my funds for ransom! 

I am being told I am being sent a generic letter which will have no information in it. Once I do, I can attach to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After thoroughly checking my credit reports, I spotted some inaccurate Personal Information that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On or around XX/XX/XXXX  I received an adverse claim/ letter of denial from Chase bank denying me an extension of my credit which is a prohibited act constituting discrimination according to15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals. 

I then proceeded and mailed a Notice of Federal Violations to the CFO and to the address on the face of the denial letter. 
Application Reference # XXXX See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: SC

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.

has violated my rights. Or a list of inquiries : 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 1681c. ( 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 seven 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.

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 2024-01-05 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: MS

Complaint narrative:
I went to apply for a mortgage. Credit report came back showing that I had been sent to collections for a medical charge. This adversely affected my credit score. I contacted all medical providers which showed only a {$30.00} bill which I paid over the phone. I then contacted the collections company XXXX and they showed that the bill came from XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ). After several calls to Equifax, XXXX, and XXXX XXXX I was able to discover that the account was for another person with my same first name, AND patient had MY birth date and MY social security number attached to the account. Her address is listed differently than mine. I never received mail or bills from either the hospital or the collections dept regarding this. My only indication of an issue was when I went to apply for a loan. I contacted the Consumer dispute line at Equifax, and a report has been filed, and was instructed to file a report with CFPB. I'm frustrated because this impacted my percentage rate on a loan, and I am worried about what else is going to show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
Money was fraudulently taken from one checking account through Chase to my other Chase account then a wire transaction was done without my consent. I have case # XXXX. Chase claims it was my fault for not protecting my phone and by me using the online banking system outside my home. {$4700.00} was sent to a bank in XXXX, FL and since they couldn't retrieve the funds I'm out of luck. Please help. I've been with Chase over 30 years and have never done a wire transfer. I am attaching emails and call logs showing how I tried to stop the wite transfer which Chase claims are all fraudulent emails.

Company response to consumer: Closed with explanation