vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XX/XX/XXXX TRANSWORLD SYSTEMS recieved my formal written notice : ( Tracking # XXXX ) In my notice I informed TRANSWORLD SYSTEMS that what they're reporting to my consumer report violates my rights as a consumer and they need to cease further reporting. I have given them more than the allotted time to rectify their mistake but they have ignored my letters and are choosing to continue to violate my rights as a federally protected consumer. TRANSWORLD SYSTEMS is clearly committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: MI

Complaint narrative:
There are inaccurate information reflecting on my consumer report such as hard inquiries as soft inquiries names and addresses that I have no recognition of and I want them deleted immediately as this is damaging to my reputation and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have had a checking account with Citi for over 40 years. In XX/XX/2022, I mailed a personal check for {$93.00} to the water company but it was stolen out of the mail. 

That check was washed and the amount was changed to {$5600.00} and the recipient was changed to the name of a lady. The check was then cashed and, despite how clearly fraudulent the check appeared, Citi mistakenly paid out that larger amount and took those funds from my checking account. 

I immediately notified Citi and have been trying for EIGHT months to get back those stolen funds. I have a copy of the washed check and it is a mystery how it could possibly have been considered authentic. How could their electronic fraud detection system not have flagged the check as questionable? 

I have spoken with their representatives innumerable times. I have filled out forms and affidavits repeatedly. I have sent copies of the washed check, information I found online about the lady who cashed the check, and whatever other information they have requested. They have filled out new case numbers again and again - and nothing has happened. 

They are claiming that they are waiting for some paperwork back from the XXXX XXXX XXXXXXXX, where the check was apparently cashed. But they have told me that repeatedly since about XX/XX/2022. 

I have asked my branch bank representative if he could help ; he says no. I have written emails to the executive offices repeatedly. They have connected me to the Citi Executive Response Team, with which I have spoken repeatedly. 

This process is stuck. It has been eight months. What can I do to resolve this situation and get back that {$5600.00}? 

It is shocking that Citi would delay that repayment. What would happen if I were someone who needed those funds to pay my rent?? 

There must be some steps I can take to resolve this issue. Thank you so much for any suggestions you might have. 

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


Please keep in mi

nd that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written
instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-11 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: TD BANK US HOLDING COMPANY

Complaint narrative:
I believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from TD bank and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with TD bank. The next unknown account is with XXXX XXXX XXXX. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called XXXX XXXX XXXX and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
This financial institution unclearly and inconspicuous disclosed non public personal information to a nonaffiliated third party without my consent this is an defamation of my character this is a violation of my consumer rights under 15USC 6802. 

On XX/XX/2020 Bank of America reported to XXXX XXXX XXXX. 
my banking history under 15USC 1681a my consumer report in which XXXX XXXX XXXX holds, should not include information solely as to transactions or experiences between me and person making the report.

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 2023-04-11 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
INQUIRIES THAT I DID NOT AUTHORIZE BELOW : - XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX - XXXX  - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX - XXXX XXXX  - Inquiry date : XX/XX/XXXX ** I have NEVER gave signed authorization to any of these companies to have access to my credit report and get an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was scammed and took a job that was not real. I was asked to purchase some computers and send them to a holding facility so they could ship them overseas to sell. I made the purchases with my credit card and was provided an account to pay off the balances each time. The credit card company took a couple days to process each payment and then cleared each payment and provided me an updated credit availability. About 2-3 weeks into the job I checked my bank account ( like I do daily ) and noticed all of the payments made from the ( what I guess was a fake bank account ) account they provided had been returned. Now I have more than double what I even had available for credit limit on two separate cards which equals just about {$40000.00}. I was expecting to get paid from this so called job not have it ruin my entire life. I dont have a job because I thought I was doing a job I signed official employment documents and everything but now all numbers are disconnected and communication has ceased and I am stuck with all this debt that I have absolutely no way of paying. I dont understand how the credit card company even allowed me to spend more than double what I even had in available credit limit and they are saying I am liable for the full amounts. They are both credit cards with chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
I received an email stating that the account I opened is sending a XXXX time statement with an account number. I called because I didn't open a cc. The company put a freeze on card and sent a letter to me in reference to fraudulent account and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 a 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

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 2023-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I was going to apply for credit and pulled a current credit report and found that a fraudulent student loan was opened not by me. I tried contacting all credit bureaus and provided them the proper documents that they requested but it has been extremely hard to speak with anybody or get any answers. i dont know how all this works and i have mailed in disputes as they suggested and to this point nothing has been done and i have not received any responses from the credit bureaus. i did receive a response back from XXXX where they accused me of not being me. they said that i hired a company to dispute this on my behalf which is not true.

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 2023-04-11 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: AZ

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: VA

Complaint narrative:
A representative names XXXX said he was going to report me to his supervisor as in default of debt, in which I would be responsible for the entire amount, he said if I do not pay them, then my license will be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint on Paypal. I am submitting this today to add to the supporting documents. 
On Monday, XX/XX/XXXX someoneby the name of " XXXX '' reached out to me from XXXX XXXX XXXX. 
XXXX stated several conflicting things to me and insisted that I download XXXX to get new tracking information. 

XXXX states that she sent me a package. 

XXXX stated that she checked thepackageand found out that she made a mistake and sent me 4 bundles when she should've sent me 6. I asked her what package did she check and what did she send to me. 

XXXX also stated that a package is still in transit to me and that if I download XXXX she will give the tracking number. I asked for a tracking number. She then stated that the package was delivered and she thought it was in transit. 

XXXX is well aware that she does not have my permission to send me anything. 

At this point I believethat XXXX stole my information and made a fake order when I chose not to start orcomplete an order with XXXX. 

XXXX is a scammer who has been supported by Paypal in her scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting * of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! 
Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2023-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX sent me a check claim refund for {$310.00}. Someone stole my check and printed their name on it. That someone deposited my check in their Wells Fargo account even though the name on the check was meant for XXXX XXXX Wells Fargo allowed the deposit of the check into a deposit account that did not match the check. 

I requested Wells Fargo to reverse the transaction and return the funds to XXXX so they can give me my money back. they said the money is already deposited and there is nothing they can do about it.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get my credit report unfrozen with Equifax for almost 3 years now. I have faxed them all my information, called them, faxed again, sent certified letters. I can not refinance my car, apply for a home loan or do anything like login to the free Equifax account. I was told to fax and send a letter to the disputes department. I was a victim of identity theft over 4 years ago and they have some type of freeze on my account. Each time I call in, I spend over 1 hour trying to explain this to the Agents as well as their supervisor. This happens each time I call which has been almost everyday for the past month, Each time, I'm told - there's no block on your account - or, there's a block on your account from identify theft. And then they tell me it's fixed. But, still, I can't login to get my free credit score, lenders can't access my score either. There's zero follow up. Yesterday, I called at XXXX pst and spoke to someone who told me theres ' nothing wrong and then made me try to login to my account over and over again. Same message - code BLNK OR NH OR call us at this number. Nothing is working and I'm ready to begin taking legal action against this company as NO ONE WILL HELP AND NO ONE DOES ANYTHING. This seems like an issue with Equifax and I've filed 2 complaints before. They don't reach out, they just close the complaint with - " we see no block on your account. '' I have names/times and screen shots plus lenders that tell me they can't get my report. THIS IS THE WORST COMPANY EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this 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