vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a 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 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
To Whom It May Concern, Regarding the collection account opened on XXXX with SOURCE RECEIVABLES M, I have attempted to dispute the validity of this debt with the collection agency directly. Despite my efforts, the account remains on my credit reports with both XXXX and XXXX. 

I have sent a formal dispute letter to the collection agency requesting validation of the debt, as well as a cessation of all collection activities, in accordance with the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received adequate responses to my requests for validation, nor has the account been removed from my credit reports. 

I am aware of my rights and responsibilities in this matter, and I am seeking assistance in resolving this dispute promptly. I believe that the actions taken by the collection agency are in violation of the FDCPA and FCRA, and I am concerned about the negative impact this account is having on my creditworthiness. 

I would appreciate any guidance or assistance you can provide to help ensure that my rights are protected and that this matter is resolved in a fair and timely manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern I transferred my money from my XXXX XXXX XXXX account to my citi bank checking account to use my funds after I transferred i wanted to use my funds and my account got blocked on XX/XX/2023 today XX/XX/2023 they told me they closing my account and stating i will receive my funds XXXX days im depending on my savings money there was no reason to block my account and now i dont have access to my funds.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX XXXXXXXX XXXX Account number : XXXX Reported XX/XX/2021 on my Transunion consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have gave ALL parties XXXX chances to cure. I have requested info on the investigation process not just verified, proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and Credit first NA continues to repost the account without sending any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-10-20 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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-10-20 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: FL

Complaint narrative:
I applied for credit card over chase bank and got denied and regardless of the reason being denied I have the rights to credit with holding my access to my securities is security fraud. They violated the equal credit opportunity act & consumer credit protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
Equifax, Please see below and attached - there are 3 unauthorized hard credit inquiries on my account due to fraud that need to be removed. 

Per my conversation with XXXX here is what this person said to do- and I did - these are my notes of the call : Spoke to XXXX  at Equifax on XX/XX/2023 at XXXXXXXX XXXX PST He said the reason they arent removing it was for the same reason XXXX gave me on Wednesday. There is an error in the FTC report. Since you can not file a new report they are saying I have to edit the report and resubmit it in the way of a dispute on one of the inquires. 

The error : On the FTC report it says that there was an unauthorized attempt to open a credit card. They say that that part needs to be blank with no company name. It just needs to state the inquires are fraudulent and need to be removed. You can include all 3 inquires in the report. And you to upload the edited FTC report as a dispute on one of the hard inquiries we want removed. 

XXXX  submitted a complaint to the special handling team to over ride the error on the FTC report considering the FTC report still states the inquires are fraudulent and the fact that I have submitted all the necessary documents. He requested the inquires to be removed. Confirmation number for the complaint filed today is : Confirmation : XXXX He said if they arent off in 3 days to call back but he highly recommends trying to do what they ask and edit the FTC report and resubmit it as a dispute on one of the hard inquiries we want removed. 

There are notes in my file about the error in the FTC report so now everyone I talk to is quoting the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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:
in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: IL

Complaint narrative:
ok to be specific only one of the four inquirys from XXXX are correct the one from XX/XX/2022 is correct the other 3 are not one might be from when i called their customer service the one from XXXX XXXX is something i never applied for or got and should be deleted 2 XXXX XXXX i dont know abor and 1 of 2 specificly the newest one i have no knowledge of from penfed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I recieved a phone call which came up on my phone as Key Bank where I was advised that someone was trying to put through a payroll for {$2000.00} for a non employee. When I told them this was a fraudulent transaction they ststed that someone from the fraud depart ment would call later. I recieved a call which came up on my phone as Key Bank. Iwas kept on the phone for over an hour with many on hold times. at the end I was told that my online banking would be suspended til I went to the bank. I went on XX/XX/XXXX at which time we discovered my funds from Savings, personal checking, line of credit, and buisness checking were gone. Total {$44000.00}. The bank manager ask me if I could pull the phone numbers which called and I did. She said they were ligitimate numbers. While I was at the bank I received a call from " Key Bank Fraud Department. '' My bank manager asked me to ask their name and position. When I did they hung up. Immediately after all phone numbers in recent calls were wiped off my phone. The bank put the money back in my account the next day and the bank manager transfered {$30000.00} into a new account leaving enough to cover checks which had been mailed and payroll with instuctions that no other transactions could be made. On XX/XX/XXXX the bank reversed the deposit of XXXX leaving the account in negative balance. The bank paid off the negative balance on XXXX XX/XX/XXXX. This still left me with a deficit of {$18000.00}. Ihave been fighting contantly with them for four months. It has taken a toll on my business and my self and staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I purchased tickets from Box Office Sales to a concert and the seller did not provide the tickets, charged my credit card incorrectly ( more than agreed ), and did not provide a service offered ( insurance ) in the closing documents. I filed a dispute with my bank and according to my credit agreement if the seller does not respond within a timeframe the dispute gets settled in my favor. Also, the card was an XXXX and has specific rules on disputes that Wells Fargo did not follow in the resolution. Nearly 3 months later they called me and told me that the charges stand and nothing can be done. I still do not have the tickets, an adjustment to the overcharged amounts, or the insurance purchased.

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 2023-10-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint to SYNCB/PPC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof

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 2023-10-20 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: OH

Complaint narrative:
I arrived the XXXX this XXXX. This is my first time to be in the XXXX. In XX/XX/XXXX I tried to apply for my first XXXX credit card, from XXXX. They rejected my application because they said that my Experian credit report saies that there is an outsatnding bill in one of my credit cards. 

That is the first time I noticed this issue. I created a Experian account using my personal information and XXXX, which was issued to me this XXXX. But Experian automatically links me to an exsiting Experian account, which is fraudulent. That fraudulent Experian account contains personal infomation which looks similar with mine. The scammer manipulated an imaginary person, whose name and date of birth are similar with mine ( not the same ). 

Besides, that existing account contains a credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX which has a XXXXXXXX XXXX outstanding bill happened this XXXX. According to the information listed on the Experian Credit report, that fraudulent credit card was created in XXXX at which time I was not in the XXXX. The strange part is that the scammer 's credit card does not show a SSN same as mine, so why does Experian links me to that account? ( Actually, Experian cannnot even see that card 's SSN ) What information did Experian use to link me to this account? 

Becaus it is my first time that I encountered this issue, I just followed the suggestions given by Experian human service to avoid any further negative effects.The information listed on the credit report was not right, so I corrected them ( including the name, DoB, mailing address and SSN ). I am not sure if that will affect the disput process. If the credit report isn't mine, I may have just modified someone else 's credit report. 

I tried to dispute that this credit card is not mine, but all my attempts failed. Experian they give two reasons to reject my applications of removing that card. First reason that Experian gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by Experian, including my passport, State ID, Bank Statement, police report, XXXX, past two years 's mailing address, full name and DoB ( even my XXXX XXXX, and XXXX ). Second reason is that they told me that XXXX confirmed that that credit card is 'valid ' so they can not remove it from my Experian credit report.But it does not belong to me.

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 2023-10-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint to SYNCB/AMAZON for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2023-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2023 I opened an unsolicited " activate your card '' from my Citi Costco Visa. I did not request a replacement to be sent. Upon opening the letter I immediately noticed a man 's photo instead my photo on my CC. I notice many other wrong, fraudulent, misrepresentation of " Citi '' logo and phone numbers. I have a habit of saving the credit card activation page. When I activate my card I write the day and time on the page and save it until the next activation comes. I drove to the nearest Costco to show them what I had discovered. The young lady was dumb founded. She had never seen anything like it. She said it would be a Citbank issue. I went home called Citibank and asked fro the fraud department. I got a customer service representative who deals with fraud. She checked my account, as I did, to see if there were fraudulent charges and there were not. So, to her the issue was resolved. I still had a fraud issued. Discouraged, I put to rest until the next morning. I began with Citibank only to be told it had to be mistake by the person working in the Costco member photo department, not the issue. I called the Costco membership XXXX XXXX. I get XXXX. She turns out to be the most helpful and the first individual who understands what I am saying to her. She recommended I change my member number and she emails me the shopping history associated with my member number. She cancels the existing member number. She recommends I call Citibank to change my CC #. I do Citibank and speak with XXXX. I explain my situation she sort of understands. She issues me a new a card. I still have a fraud issue which remains unsolved. I call the police department. XXXX XXXX issues and evidence report # 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 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I signed up for an account with Wells Fargo that offered an interest free period. It was explained to me that the interest free period would not start until the work was completed and that as long as I made my monthly payments on time, I would not be charged interest on the account. I made all payments as requested by Wells Fargo. I was charged this month an interest fee over 100 % of the remaining balance on my account despite making all monthly payments on time. When I contacted Wells Fargo, I was told although I made the monthly payments in the amount requested, my monthly payments did not fulfill the loan within the time period and therefore I was charged a significant amount of interest. This conflicts with the information I was verbally provided and is predatory lending. Had I been told that the monthly amount requested from Wells Fargo would not fulfill the loan requirements for the interest free period, I would have either paid in full earlier or made larger monthly payments. Wells Fargo has refused to eliminate the interest charges despite my offer to pay full balance at this time. I find their lending practices predatory in nature and unacceptable, especially for an organization as large as Wells Fargo.

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