vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/24 my computer came up with a notice that it had XXXX viruses, so I googled XXXX XXXX on another device and called who I thought was XXXX XXXX, but it wasn't, it was a hacker. He downloaded an app called "XX/XX/XXXX '' and was able to access my computer. I repeatedly asked if he was for sure working with XXXX XXXX and each time he replied " Yes ''. Once he had access he stated that he had to generate charges to track the hackers IP address. Between XX/XX/24 and XX/XX/24 he created {$14000.00} charges on my Chase Bank debit card from XXXX ( which XXXX concurs are fraud charges ) and on XX/XX/24 {$1600.00} worth of charges on XXXXXX/XX/XXXX ( which XXXXXX/XX/XXXX concurs are fraud charges ), but XXXX will not refund any money because they state I authorized the charges by letting them into my computer. The hacker also generated and {$83000.00} wire transfer to XXXX XXXX on XX/XX/24 that Chase Bank also will not refund. I also tried speaking with the XXXX at XXXX XXXX about the misrepresentation and he only stated he wasn't aware of any issues like that. My husband and I have filed reports with the FBI, local police,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX FTC, Identity Theft and anyone else that will listen or talk with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I noticed my PenFed account was blocked without clear communication or reasoning provided by PenFed. This blockage has caused significant inconvenience and financial hardship. On XX/XX/2024, I attempted to access my account online and found it was inaccessible. I immediately contacted PenFed customer service to inquire about the issue, but the responses were vague, and no specific reason was given for the account blockage. 

By XX/XX/2024, after several calls and emails to PenFed, there was still no resolution or adequate explanation. The lack of access to my funds during this period has been distressing and disruptive. 

Due to this unresolved issue and lack of transparency from PenFed, I am now filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek assistance and a resolution to regain access to my account.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XX/XX/XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-04-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Thank you for contacting the XXXX XXXX and removing the XX/XX/2024 delinquency from my credit report. Also thank you for crediting my account with the late fees. You did not increase my credit limit. I submitted a request online, and I received a letter denying the increase because I must establish timely, consistent payments. I would be happy to have you look at my current credit agency report to see the timely payments that I have been making. There was no wayXX/XX/XXXX do this online or in the letter that you sent. I would like you to increase my credit card limit to what it was before the unfortunate event of XX/XX/2024. Also please increase the credit limit on the XXXX other XXXX credit cards that were lowered due to this XXXX issues in XXXX, XXXX XXXX XX/XX/XXXXXXXX. My credit is Very Good, but I believe it will be restored to Excellent, if my credit limits are made whole and returned to the previous amounts. I have not received a bill from the XXXX, for XXXX or XXXX, despite receiving the information about my credit card denial from XXXX. Please look into this. thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX XXXX XXXX XXXX  if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even afterXX/XX/XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXXXX/XX/XXXX if these items are not investigated within XX/XX/XXXX days, they should be promptly removed from my credit report. Since it has been over XX/XX/XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXXXX/XX/XXXXXXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: MA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these XX/XX/XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more thanXX/XX/XXXX days since I filed a complaint with these XX/XX/XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these XX/XX/XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XX/XX/XXXX days since I filed a complaint with these XX/XX/XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXXXX/XX/XXXXXXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I live in XXXX XXXX and while on a trip to XXXX had paid for a one day pass. Later on XX/XX/year> XXXX XXXX  began charging me for a membership at the XXXX XXXX branch. Initiation and monthly charges. I googled XXXX XXXX and found out that over XXXX fraudulent charges were made by the same person I saw at the XXXX XXXX branch. I told Citibank XXXX XXXX XXXX that I never signed anything for membership. They removed all XXXX XXXX charges and told me they would investigate. Eventually Citibank reinstated all my charges and sent me a fraudulent membership document with a different signature than mine. I told Citibank and they moved my dispute to the Fraud department. Meanwhile for the second time Citibank canceled my account and reissued a new one for me. The second was because Citibank gave XXXX XXXX my new account number after telling me not to. I wrote to XXXX XXXXXXXX XXXX as well as other officers after no one from branch would respond to me. Never heard from XXXX XXXX. My fraud entries that were put on my Citibank app disappeared the day after I finally got a call from someone at XXXX XXXX accounting who told me she would correct this problem and I would have no following charges. I just called Citibank credit card fraud/security department and they told me that my case went back to the dispute department which I was told was NOT what my case was since fraudulent documents were created and not a billing dispute. None of this makes sense. Citibank is now not being helpful or offer any information. 
All charges from XXXX XXXX started XX/XX/year> including additional initiation and monthly charges in XX/XX/year> with monthly charges to present.

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 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmerican Express XXXX XXXX XXXXAmerican Express XXXX XXXX XXXXAmerican Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I was in XXXX FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXXXX/XX/XXXX SO I DID NOT OPEN NO ACCOUNT FROM ANY CREDIT Companies FROM THESE CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BHFC Financial Services INC
State: NV

Complaint narrative:
Auto loans or leases Total balance : {$6000.00} XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$6000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX  Balance {$1400.00} Balance updated XXXX XXXX, XXXX XXXX These lenders have accessed your credit file : XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX FACTUAL DATA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verification or validation. So I'm submitting through this site to get the help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? 

Please stop collections immediately

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-26 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: MA

Complaint narrative:
Hi! I got notified by my XXXX credit monitoring that a new credit inquiry was run by XXXX XXXX which I did not initiate. 

I filed fraud alert with XXXX and called XXXX XXXX to make sure they didn't issue a credit card to anyone and they wouldn't give me any information. 

Additionally, phone numbers were listed wrong ( XXXX ) XXXX ( XXXX ) XXXX is also an incorrect phone number but is my mother Additionally, XXXX is listed as an employer which is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi! I got notified by my Experian credit monitoring that a new credit inquiry was run by XXXX XXXX which I did not initiate. 

I filed fraud alert with Experian and called XXXX XXXX to make sure they didn't issue a credit card to anyone and they wouldn't give me any information. 

Additionally, phone numbers were listed wrong ( XXXX ) XXXX ( XXXX ) XXXX is also an incorrect phone number but is my mother Additionally, XXXX is listed as an employer which is also incorrect.

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