vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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:
These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act, I request that you promptly remove these unauthorized inquiries from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo claims Im a security risk. They stated that there are too many disputes. My disputes on charges are all legitimate. Wells Fargo should not have forced closed my account. My account is scheduled to close on XX/XX/XXXX. Until then my account is frozen. I have {$2300.00} of pending credits ; they said the credits will sit for two days before they get sent back. I am unsure when the credits will come in and they said to call everyday to ask a Wells Fargo rep to check. This is outrageous! The bank is acting outside the norm.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
I am reaching out today due to cash app and the issue that I accrued I closed my account in XXXX of 2023 due to cash app returning payments of my bills I paid since cash app is considered a cash card it was automatic and a day or two days later Id get a return id call all the places my bills were at and they said it was taken back from cash app, for no reason, leaving me with many issues of return fees adding to my bills, I said I had enough and needed a real bank and called XX/XX/year> to close my account and which I did the man said my account is closed I asked can I can an email to confirm it the agent said since we arent a bank we dont do that, I said okay trusting it then a week ago I receive an email from cash app stating I had XXXX $ or more in stocks and by XX/XX/XXXX a tax form would be ready I never ever opened up stocks I was confused and concerned I called I asked the agent why am I receiving an email from you guys I do not have account anymore and I never owned stocks the agent said he wouldnt disclose my own information to me because my account was locked nor would he unlocked to let me see what they are filing under my social security number and I was extremely shocked due to that my right of information as I didnt open stocks as well as I closed my account and the agent then hung up as I they filed a tax document of fraudulent information of me and put my credit and taxes at risk with the irs and well as not letting me to see my own personal information to see what the placed on my name without me knowing. I would like cash app to explain on why stocks were in my name as I did not open any stocks in my name anywhere nor would I. And to do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
to whom this may concern, I was never late on the paid off account listed below Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. if you can not supply this please delete this alleged late payments from my credit report. the item in question are XXXX XXXX XXXX XXXX XXXX XXXX Comenity bank/Kay Comenity Bank/Kay After doing so please provide me with an updated credit report reflecting the changes. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around the dates ofXXXX and XXXX I noticed some charges on my credit card statement from places I did not even go. Especially the area XXXX XXXX. I requested to open a dispute and the dispute was denied because I didnt submit information and then I asked for more time to submit the information, I faxed the information over which included a signed statement saying I didnt authorize the charges, and a letter from identity theft website reporting someone stealing my credit card. After sending the fax I got another letter telling me my dispute was denied again based on the fact that I used my card at those places before. Which is not true because I specifically have never gone to XXXX XXXXso its frustrating. I tried to contact the disputed team but I never get a hold of them.

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 2024-01-26 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : -

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 2024-01-26 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: AL

Complaint narrative:
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  These companies reported charge offs on my credit reported along with late payments but I never recieved the 1099C cancellation of debt form therefore these companies are reporting innacurate information. Please remove accounts in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency connot furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card occount under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act BEST BUY/CBNA USA has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
I am writing to bring to your attention the serious infractions committed by DataX, Ltd regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that DataX, Ltd is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare.

Furthermore, DataX, Ltd is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting.

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy.

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action.

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I noticed an XXXX charge of {$14.00} I did not make and requested a replacement card followed by making a claim. I also noticed checking back a few more transactions I did not make and on XXXX XXXX Chime sent an email saying there was no error and I would not be funded back. With the holidays happening I was unable to follow up on this. Then I noticed another charge on XXXX XXXX for another charge of {$10.00} from XXXX which I called the same day to report but was just told it was a pending amount and all they could do was replace my card ( that I had just had replaced from the previous transaction I made a claim on ) and wait until it posted in the account. I was now concern for this recurring transactions with XXXX when I do not have the email I have associated with Chime in my account with XXXX. I called to make a dispute and mention both transactions and was advised the claim would be investigated only to receive an email a few minutes later for the first amount mentioned to be denied once again. I called them back and they just advised me I would have to provide documentation like me showing proof I was at work the day of the transaction to show I in fact did not use an XXXX ride. I refused as I dont understand why I need to provide this information. Keep in mind I dont work because I am already retired and receive my social security check this account every month and also have my own vehicle. I asked them if there was a breach on my information on their behalf because I didnt even use the second card as my last transaction was 3 days prior to the second incident with the new card I had barely received and was advised they could not check if that was the case. It just all seems very fishy to me now and Im concerned by personal information was breached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian 's repeated rejection of valid documents is unacceptable after six months of complaints. I urge the CFPB to promptly scrutinize this case, as Experian seems to have neglected its legal duty to process my identity theft report. XXXX XXXX XXXX. Moreover, the reported bankruptcy XXXX  7-dismissed ( Ref : XXXX ) is factually inaccurate. No trial or judgment occurred, indicating a lack of validity.

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reported bankruptcy XXXX  XXXXdismissed ( Ref : XXXX ) is factually inaccurate. No trial or judgment occurred, indicating a lack of validity.

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 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of all of my credit reports. I inspected them for inaccurate information. 
When I discovered the inaccurate information, I contacted the companies in question to either update my account or provide me proof of the reported information. Statements showing the late payments. They didnt provide the information requested. 

I have never been late on any of my accounts. I have provided proof of the inaccurate reporting attached in this complaint. This account, if accurate, needs to be reported the same for every credit agency reporting the account. you can see that some show late, others on time, others with no information at all. they are all over the place. Please investigate and provide proof that these accounts were late. If these statements cant be provided, I request the account be updated to report PAID AS AGREED. I was never late of these accounts. 

DO NOT CLOSE my CURRENT/NEW XXXX  XXXX account. 

this complaint is for an old XXXX  XXXX account thats reporting inaccurately.

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 2024-01-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called about a suspicious phone number ( XXXX ) registered on my Premiere Checking account without the ability to change the number myself. It was removed that day. 

On XX/XX/XXXX, I checked my account again to only find this same number listed on my Premiere Checking Account for contact without any ability to change it myself. During a call, I was locked out of my account while logged in online and on the Chase App. After XXXX hours, a representative was able to correct the issue by registering my phone number my account. 

On XX/XX/XXXX, I opened the Chase App to learned that my account was locked due to suspicious activity again. I called and was told that only the Security Team can unlock my account.

It is my firm belief that employees of Chase, via domestic and international, are locking my account and intentionally not sending any account alerts to the phone number registered to my account as provided. This is not the first time I have had the experience of Chase employees changing information on my account and deliberately causing me inconvenience. During a period of XXXX years while litigating a matter in federal court, Chase employees closed my account which contained payment history necessary to assert my claim. Once the matter ended, my account was reopened and is the current account in controversial now.

Company response to consumer: Closed with explanation