vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: ID

Complaint narrative:
This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : 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 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 any information any other adverse item of information, other than records of convictions of crime 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 reason to believe that the information is inaccurate. 

Account : XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX XXXX Account # : 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
As I looked on my consumer report I noticed some inquires that werent authorized. I have mailed out this letter attached with all the inquires that werent authorized. By 15 U.S.C 1681b ( c ) permissible purpose. Immediately remove these inquires as they have cause damage to my consumer file and has delayed in my family and I to obtain goods.

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to complain about two checks that I deposited in person with Bank of the West in XXXX XXXX, CA on XX/XX/22 and XX/XX/22. It has been almost 6 months since my first deposit and the funds have not been credited into my account. I have made numerous visits, phone calls and sent emails in an attempt to understand where the funds are or to have the checks returned to me to no avail. No one has been able to provide me with the status of my check deposits. I have included below my XX/XX/22 email to the relationship banker who opened my account and her response and also attached copies of the Bank 's internal form " Outgoing Collection Receipt '' showing my deposits. I am hoping that you can assist me in the collection of the XXXX euros  ( {$3800.00} ) deposits. 


For additional background, on XX/XX/22 I opened a checking account with the Bank of the West and deposited {$1.00} cash and a check made out to me for XXXX euros  with instructions that the monies were to be converted into USD and then deposited into my checking account. Even though the deposits were in euros, I was assured that this was ok since the bank 's was owned by the XXXX bank XXXX XXXX and that they would handle the currency conversion. I made another check deposit to this account from the same vendor on XX/XX/22 in the amount of XXXX euros for a total deposit sum of XXXX euros ( see attached " outgoing collection receipts '' ). The Bank has recently been sold to BMO Harris Bank N.A. Member FDIC. 


Other than these two deposits, there has been no activity with the account and no record of these deposits being made into my account. Additionally, I was recently notified that my account was overdrawn ( see attachment ) and the Bank is requesting a deposit to cover the overdraft amount due to a {$9.00} service charge. This matter further concerns me as it states that unless I make a deposit, my account will be in default and notice of the default will be sent to a collection agency which will negatively impact my current excellent credit rating. When i log into my checking account, there is no record of my deposits totaling XXXX euros ( XXXX USD ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. 

I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. Citigroup representatives verified this account is under my name. 

Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.

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 2023-05-03 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: FL

Complaint narrative:
XXXX is currently affecting my ability in being able to be approved for a mortgage due to reporting inaccurate payment history on all 3 bureaus. Showing me with late payment on XXXX, XXXX And XXXX in Experian, and different reporting on XXXX and XXXX XXXX. Im currently under contract and will possibly lose my escrow due to this. PLEASE HELP 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 2023-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NY

Complaint narrative:
Viking Client Services , LLC contacted me stating that a XXXX XXXX  was miscalculated and that I owe XXXX {$57.00} and it has been escalated to Viking to collect it. I have never rented from XXXX. I asked them to send all the documentation to my work email, which has a strong phishing and spam filter. After I hung up, I called XXXX and they could not find my name nor my license in their systems. I received the document from Viking shortly after. It stated that I rented a XXXX  XXXX  in XXXX XXXX, CA on XX/XX/17. I was in New York. It shows my name and an unknown credit card from XXXX XXXX. I called XXXX XXXX to verify the charges and they could not find a matching card and charge and stated that this was spam or a scam. I called XXXX back with the information on the document and they said it was filed falsely. The case number from XXXX is XXXX. I will only attach a screenshot of the document as the file may be infected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I do not owe cavalry portfolio any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. 

Delete this off my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX reported as of today what portfolio recovery has said in my dispute which counteracts against what they responded to XXXX XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information XXXX have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment NA Original balance {$3500.00} Highest balance NA Terms 1 Months On record until XX/XX/XXXX Payment history Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information XXXX have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment NA Original balance {$4200.00} Highest balance NA Terms 1 Months On record until XX/XX/XXXX Payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, has violated my rights.

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 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 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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX United States. 

Regarding my Chime Account : # XXXX On XX/XX/2023, I used an ATM that must have had a skimmer device in it. I was a victim of Identity Theft and Grand Theft from my Chime Checking account. After the thieves obtained my debit card PIN number, they went to a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  and took out increments of {$1000.00} out via XXXX XXXX XXXX {$5200.00} to their XXXX XXXX account name " XXXX '' and sent the money to themselves to phone number XXXX. Then they went to the ATM at the same XXXX XXXX XXXX XXXX XXXX XXXX and took out increments of {$400.00} out of the ATM totaling {$3100.00}. 

I noticed that my account was getting low and I locked my card and called Chime and reported the unauthorized charges on my account. Chime assured me that the unauthorized charges on my account would be reversed and I would receive provisional credit within 24-48 hours. 

Later that day XX/XX/2023 I went to the XXXX Police Department and filed a police and reported the unauthorized charges on my account. 

Chime was well aware of where the unauthorized charges on my account took place. 

The XXXX Police Department said they would send a police officer out to gather the surveillance video from the graveyard shift and trace the phone number that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next Chime closed my checking and credit accounts, saying that they needed to be closed for security reasons and that I would get a check mailed out to me in 10 days for the provisional credit. 

Meanwhile, I call every day to get the status of my dispute and my provisional credit. I am now starting to move into financial hardship due to the fact that Chime will not reverse the unauthorized charges to my account. Now Chime is telling me XXXX ; y 2023 is when I can have my provisional money back. 

Meanwhile, Chime has closed all access to my accounts through online and the app. 

The situation has gone from bad to worse. So I called the detective that is working on my case and he told me to report Chime for not returning my money from fraud. I am now out {$8300.00} due to fraud and unauthorized charges on my closed Chime account. Someone help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called Wells Fargo, of which I have been a customer for 17 years, to ask about two charges. Not " dispute '' but ask for any pertinent info I could use to either call the originator of the charge or, lacking a contact phone number -- which, by the way, all retail/commercial outlets should provide regarding the routing charges on the c.c.billing statement, i.m.o. -- would file a dispute. The C.S. rep cleared up the first charge 's origination but not the second one ; she suggested that I XXXX the dubious name of place that issued a charge on my card... to try to get a number to call myself. 

W. F., apparently, has no gray areas but prefers to process these types of inquiries as all " fraud ''. Last time this happened, after I gave permission for them to do an inquiry -- although I objected about categorizing it as " Fraud Detection '' -- about a charge on my account. I received, two letters, mailed five days apart, however not in a timely manner, to let me know that they were closing my account and issuing a new credit card, ( if my memory serves. ) I don't even remember if I was issued a refund for the dispute ; I should go retrieve my records but I have a desk full of other pressing and worthy paperwork, at the moment. My apology! 

Today, the customer service person automatically cancelled my card without my permission, while I was on the line. When she announced this and I objected, she said she couldn't reverse her actions but put me on hold for her ~superior, of which I never got connected. ( A subsequent call resulted in the new credit card ordered by the first C.S. person, ( with seven-day delivery, by the XXXX, ) being cancelled... in order for ANOTHER new card to be issued and delivered, XXXX  XXXX! 

I pointed out the disparities and waste in this process, particularly with the lack of nuances, in that not every C.S. inquiry should be interacted and processed, only, for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnnel up for a new type of quota system. It seems like such a waste of time and resources, me having to change, eg., auto charges for service contracts on my c.c. account, nonetheless. 

Thank you for any help you can give for this complaint

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Auto, Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: MoneyLion Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 furish an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
HSBC sends various promotional and survey emails stating they are important account information when they are not. There is no unsubscribe link to unsubscribe from these messages that are clearly survey or marketing emails under the guise of important account information and hence dont contain the unsubscribe link.

Company response to consumer: Closed with explanation