vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found multiples errors and violations of my rights under FCRA and these accounts must be deleted. TransUnion failed to complete a full investigation and remove inaccurate data from my credit file. 
XXXX  XXXX XXXX XXXXXXXX Account repeatedly reporting C/O every month on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. Re-aging the account is illegal. Account must be removed. 
XXXX  XXXX XXXX XXXXXXXX Account repeatedly reporting C/O every month in XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Re-aging the account is illegal. Account must be removed. 
XXXX XXXX  # XXXX Account reporting as C/O every month on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Re-aging the account is a violation under FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX Multiple inaccuracies ; report do not indicate when/if account has been sold, and not reflecting a {$0.00} after transferred/sold/paid. Account showed closed as XX/XX/XXXX but TransUnion is reporting as 120 days late on XX/XX/XXXX. Violation under 1681i. Delete Account. 
XXXX XXXX XXXX XXXX  XXXX TransUnion and Creditor was unable to provide a validation of debt Pursuant 12 CFR 1006.34. Certified Letter sent on XX/XX/XXXX and failed to respond. Delete 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Closed all my checking accounts and credit card accounts without any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Attempted to submit request for wire transfer from online CITI savings account, and was given an error online saying " unable to submit wire transfer request, please contact costumer service ''. After contacting costumer service on XX/XX/year>, I was hung up on twice by two different service representatives, and after calling for a third time, they said there was a block placed on my account, and they are unable to verify my information after correctly providing my personal information with them multiple times. CITI customer service stated that I either needed to go into a branch to resolve the issue ( nearest branch is 4+ hours away from me ), or I needed to wait for a letter from CITI that would take 7-10 business days until I am able to access the money that is in my account. 
Currently have taxes that are due on XX/XX/XXXX, and CITI will not allow for me to gain access to the funds in my account to be able to pay my taxes, and they are holding my money for 7-10 business days until I receive a verification letter in the male.

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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
This is in relation to claim XXXX against XXXX XXXX XXXX 

They have claimed that the " FiServ '' network has blocked my access to XXXX despite them removing the block on my account. They refuse to do anything to reach out to see why this has been blocked. FiServe has not reached out to me to do any sort of investigation. XXXX had not clarified what their relationship is with FiServe or XXXX. 

My belief is that someone falsely reported a mistaken transaction sending me money as fraud. I have clear documentation from all parties saying there was no fraud but have no way to reach anyone. 

Their blocking XXXX is putting me at risk for lawsuit as I have no safe way to return the money to the sender as I have been told by XXXX XXXX  that if I were to return other than send back the money they same was it was sent so there is a paper trail there is a risk the transaction could be reversed after I already returned the money. 

My number registered is XXXX and under the email 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I saw a promotion online if you apply for a Marriot XXXX credit card and spend {$3000.00} dollars within 3 months that I would receive XXXX XXXX point certificates and Marriott XXXX points per dollar spend. I applied for the credit card around XX/XX/2024. I reach the promotional spend in the first month. Along with the XXXX XXXX points certificate I was suppose to receive, I was suppose to receive an additional XXXX Bonvoy points based on the charges I made on the credit card. Based on my credit card statements, I spent {$3500.00} in XXXX, {$3900.00} in XXXX, {$1.00}, XXXX in XXXX and {$1200.00} in XXXX. It's XX/XX/2024 and I have yet to receive my XXXX XXXX point certificates or any XXXX points. My account has XXXX points and nothing has been added even though I have used the credit card and spent {$10000.00} in XXXX months. I have called XXXX Marriott three times and Chase twice. Marriott keeps saying it's an issue with Chase and Chase keeps on saying it's an issue with Marriott. First Marriott said that it takes a while to post and then I called Marriot back. They conducted an investigation and I was then told that there is an issue with Chase that the credit card was not linked to the Marriott XXXX  account number. I called Chase to let them know of the issue. They did an investigation and told that they were linked and Chase has sent the Mariott points to the correct Marriot account. I called Mariott back to let them know that Chase did an investigation and that the credit card was linked to the my Marriott XXXX account. Chase has stated that Chase has been sending the point every month. However my Marriott XXXX account does not show that I have received any points or certificates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for student loan account XXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo : 1 ) Advised me to borrow {$75000.00} and send it to their bank, and then withheld the funds for SIXTY DAYS against my explicit consent. 
2 ) They provided false information in the process of retrieving the funds, and misleading information in order for me to send more funds to their bank 3 ) Changed their policy after having already paid a material sum to lock in the rate 4 ) Increased the agreed upon rate by XXXX and explained that it was " out of their hands ''

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 2024-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On Sunday XX/XX/XXXX I created a new bank account online with Ally bank. I requested an initial deposit of {$20000.00} from my XXXX XXXX account into an Ally savings account. On XX/XX/XXXX I noticed my XXXX XXXX account had a negative balance. Ally has requested {$40000.00} instead of the {$20000.00} I had authorized. Realizing Ally had double charged me ; I immediately contacted them and spoke with a customer service rep requesting the funds be reversed. Since it was in processing Ally could not reverse the charge. The {$20000.00} in funds hit the Ally savings account on XX/XX/XXXX and the the remainder from the {$40000.00} was sent back to my XXXX XXXX account since there were insufficient funds. On XX/XX/XXXX I attempted to send the funds back to XXXX XXXX online but there was a XXXX limit for the first 90 days. I immediately contacted Ally and spoke with a rep who scheduled the {$20000.00} to be transferred back on XX/XX/XXXX. Today I received an email that my account had been frozen due to suspicious activity. I have opened a claim with XXXX XXXX for the funds to be reversed. I also contacted Allys fraud department and verified myself. The rep stated he would open a case. I have also left a voicemail with Allys loss prevention line. Bottom line this has been an awful, stressful experience and I just want my initial deposit of {$20000.00} back. This is money I need and its been frozen with no resolution yet.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for XXXX XXXX XXXX XXXXXXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for XXXX loan account XXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Kohl 's is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Kohls/Capital One account number XXXX was received from IRS. Kohl 's is inaccurate reporting income a certificate of indebtedness to my consumer report. I know it is the Trustee responsibility to discharge please make sure that it is done. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX

Company response to consumer: Closed with explanation