vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: TX

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.

The letters are stated with items and issues.

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 2023-06-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  Balance Owed : {$56.00} ; XXXX XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.

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 2023-06-24 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: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX XXXX ( Via their ACH " Telecheck from Fiserve '' ) issued a {$20.00} " Return Fee '' to my bank account without any transactions taking part by myself and without consent. 

This return fee, according to online searches, is issued by Telecheck when there are insufficient funds in an account they are attempting to withdraw from. There were no transactions made by myself between my checking account associated with XXXX XXXX and XXXX XXXX in the month of XXXX. 

As XXXX XXXX is a sportsbook, they seem to have separate " wallets '' for individual states for tax accounting purposes. This means that when you cross state lines ( XXXX  to XXXX  in this case ) XXXX  issues an automatic account transfer from one states wallet ( XXXX  ) to the other states wallet ( XXXX ) using their ACH Telecheck. I was not asked if I wanted to transfer funds and did not consent to any transfers to or from my checking account. I was not notified the funds would be transferred. I have never attempted to make a deposit, withdraw, or transfer to or from XXXX XXXX with insufficient funds. 

When crossing state lines ( XXXX  to XXXX  ), the balance of the sportsbook account was XXXX. XXXX XXXX, via Telecheck  as ACH, seemingly issued an automatic funds transfer from XXXX  wallet ( managed by XXXX ) to XXXX  Wallet ( managed by XXXX ). XXXX initiated an automatic transfer of XXXX and Telecheck issued a {$20.00} " return fee '' to my checking account associated with the XXXX account. 

The statement by XXXX XXXX support when attempting to rectify this is as follows : " Thank you for contacting XXXX Customer Support. I apologize for the inconvenience. 

Return or retry fees are charged by our ACH processor. This would be associated with a previous deposit attempt where the user did not have funds available, so when our ACH processor tried to collect funds and couldn't they go back later to collect funds + charge fee. 

Telecheck ACH Processor Contact info : https : //getassistance.telecheck.com/consumer-contact.html " There were no transactions between my bank account and XXXX XXXX without sufficient funds and/or in the month of XXXX. I next asked XXXX support to confirm my account transactions in the month of XXXX and XXXX XXXX confirmed : " Thank you for contacting XXXX Customer Support. My apologies. I can confirm there is a wallet transfer of {$0.00}. '' Over the period of two phone calls, one currently as this is typed, I was on hold with Telecheck to dispute the charge and receive a transaction history. The first phone call I was on hold for over an hour until I had to hangup. I have cancelled my evenings plans today because I have been on hold for over an hour again and I want this issue explained and rectified.

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 2023-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a text message at XXXX XXXX from the phone number ( XXXX ) XXXX : " Chase Alerts : Did you attempt to send a wire transfer for the amount of {$4500.00} Reply XXXX or XXXX. STOP to end. '' I received a phone call that my caller ID labeled as Chase ( XXXX ) XXXX. The caller identified himself as a member of JP Morgan Chase 's wire fraud team. He asked me if I authorized any wire transfers or if I knew anyone by the name of XXXX XXXX. I replied I did not. I was then guided through my online account to submit what he referred to as wire transfer reversals. My husband verified that they were calling from actual chase bank numbers. We trusted them. I submitted two wire transfers one for {$12000.00} to XXXX XXXX and the second for {$9100.00} to XXXX XXXX. They had me enter my name into the return account so I assumed it would be returned to me. 

When I realized this wasn't right it was to late. The wire transfers were completed. My banking institution told me I was likely not going to get these funds returned. They filed a claim but told me that they were going to deny it since I was the one that made the transactions. Even though I was fraudulently led to believe it was my bank and their information was indeed compromised as well. 

So I am filing this with hopes that corrections can be made and I can get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/2021 is when this MOUNTAIN AMERICA CREDIT UNION SECURED CARD was officially closed. I do not recall opening a Mountain America Credit Union account. When I was a teenager, my identity was stolen to try to open credit accounts. I believe this is a result from the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Constantly Check My Credit Report And Noticed That Errors And False Misleading Information For Individual Accounts Didn't Quite Meet The Credit Reporting Standards Of Being 100 % Correct This Has Changed Me And Held Me Back For Some Time Im Demanding The CFPB To Enforce The Corrects And/Or The Deletions Of These Items I Deposited Two Checks Into My Chase Checking Account On XXXX  Chase Made The Funds Available But Refused To Release The Funds To Me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX/ XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX/ XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX / XXXX , XXXX XXXX/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX XXXX i received a letter from chase credit card services stating a delinquint account under my name was found not my responsibility to which i tried to apply for a credit card through chase card services XX/XX/2023 and was denied with the reason stating i have a charge off on my record from aforementioned account. They are still holding me responsible for that account even though the card was reported as stolen and you guys were contacted back in feburary about that account. Case card services marked it as a normal charge off when it should have been marked as a fraud charge off. I should not be affected by this and should still be able to be approved for a credit card. They also stated that even though i have almost XXXX  years history with the aforementioned card that i dont have enough credit history to be approved. Due to them marking it a regular charge off the XXXX  years were removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My car was in a total loss XX/XX/2023. I starters insurance claims right away. XXXX made my insurance payment XX/XX/XXXX. The account showed current and no pmts due. The next day it showed past due. Several times I called and checked the site/company and was instructed I was in good standing. 

1. When asking for a supervisor I was told they had no way to get in touch with one in total loss dept. 
2. I confirmed with XXXX  XX/XX/XXXX that the payment had arrived. 
3. Ally told me to allow XXXX business days to post it? If they had it why was there a delay in posting? 
4. I asked for a deferment to help during this time. The rep told me they can not do anything during a claim. 

I am concerned my perfect pay history may have been inaccurately reported. I also believe that the payment was posted non advance the. Re posted normal. That left me past due.

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 2023-06-24 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: FL

Complaint narrative:
I am interested in disputing all inaccurate information on my credit report with experian to help clear my file. this has been an issue that needs to be resolved asap. ive listed all negative items. review an remove all listed items 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 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My checking account was wrongfully closed. After XXXX XXXX falsely accused me of harassment to them. I even have a letter from them stating that my checking account was due to XXXX XXXX. People think in XXXX XXXX age group that they are so mart but their not. They don't have a right to close my account based on defamation of my character. They are full of it as usual. This incident occurred at their bank. She brought the neighbor 's problem to the bank. So wells fargo is responsible for thier employees actions. They can deny they wrongfully closed my account all they like. I was stalked by XXXX XXXX and this was why. I was made to come to the local branch. This is a clear violation of my civil rights, for them to ban me from wells fargo. AFTER XXXX XXXX falsely accused me and called the police on me. While I was at the branch. I had no problems prior to XXXX XXXX wrongfully interfering with my banking business. This is a clear violation of my civil rights telling me not to visit any wells fargo. They are the ones who continue to cover up for XXXX XXXX. This is why I am due compensation from XXXX XXXX for falsely calling the police. This will add to my lawsuit their continue denial of them siding with their employee XXXX XXXX. I was WRONGED here by the entire wells fargo bank. Only after XXXX XXXX knew she would get away with it. Because XXXX XXXX is one of their friends covering up for them. This was down right CRUEL what was done to me and my son. XXXX XXXX acted like she was going to settle. But she is just as evil and criminal like XXXX and XXXX XXXX. These young people think they can outsmart everyone else who is older than them. 

I am banned from doing any business with wells fargo. Because of XXXX XXXX. 

The problem is they weren't exercising their right to close my account. The first year that I had my account until XXXX XXXX falsely accused me of them. Is when they exercised their right to close my account. They keep missing that part. I was wronged by wells fargo and continue being wronged. With them saying they terminated the business relationship. All due to XXXX XXXX falsely accusing me to XXXX XXXX. 

I haven't done anything to deserve this type of treatment. It was unfair for my account to be closed. Based on a LIE. This is where I am owed compensation and how XXXX XXXX falsely accused me of harassing her XXXX XXXX was on their property. When she messed with me. She just kept messing with me. XXXX XXXX keeps ignoring the face like they all have. That my account wasn't closed until XXXX XXXX falsely accused me. 

Wells fargo is responsible for my pain and suffering and emotional distress. 

My new checking account only had been open not even a month. When it was 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 2023-06-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C. 1681 section 602 A. Which 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 an 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 or any other adverse item of information, other than records of conviction more than seven years. 
Also, the Credit Bureaus took more than 30 days to complete my investigation here are my certified mail tracking # 's XXXX ; XXXX ; XXXX. 
I've also submitted a complaint with the Attorney General 's Office. These collection agencies have violated my 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
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Acct # XXXX shows incorrect XXXX day late payment for XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX 's that they had sent a correction to consumer reporting agencies. I have contacted Experian several times as well ( XX/XX/XXXX & XX/XX/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 2023-06-23 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: WA

Complaint narrative:
The following accounts were opened without my consent or knowledge and are a case of identity theft. 

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

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 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The letters are stated with items and issues.

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 2023-06-24 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: EQUIFAX, INC.
State: TX

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.

The letters are stated with items and issues.

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 response to consumer: Closed with explanation